USA > Nebraska > York County > York County, Nebraska and its people : together with a condensed history of the state, Vol. II > Part 12
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Mrs. W. D. Fisher
Mrs. B. F. Myers
Mrs. H. R. Van Decar
Mrs. W. G. Liggett
Mrs. E. B. Nelson
Mrs. George Jerome
Mrs. P. J. Haas
Mrs. Clarence Myers
Mrs. L. S. Loomer
Mrs. S. S. Varney
Mrs. A. A. Metz
Mrs. L. Shoemaker
Mrs. J. A. Diffenbacher
Mrs. John Lloyd
Mrs. George Neill
Mrs. L. A. White
Mrs. L. Provost
Mrs. Lyda Chambers
Mrs. W. A. Miller
Mrs. II. L. Vradenburg
Mrs. S. C. Cheney
Mrs. Charles Gilbert
Mrs. George Chileote
Mrs. E. A. Warner
Mrs. C. B. Crone
Mrs. Dan Graves
Mrs. George Spurlock
Mrs. Tom Barber
Mrs. S. E. Mansfield
Mrs. Anna Foster
Mrs. J. II. Cowell
Mrs. Sarah Mullihan
Mrs. E. A. Wells
Mrs. G. W. Post
Mrs. J. F. Grosshans
HISTORY OF YORK COUNTY
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Mrs. L. M. Lincoln Mrs. W. Thorne Mrs. M. E. Richardson
Mrs. E. Y. Lawrence
Mrs. S. V. Johnson
Mrs. J. W. Davidson
Mrs. Russell Starkey Mrs. Joe Pick
Mrs. Peter Reimer
Mrs. J. A. Ludwig
Mrs. Charles Moyer
Mrs. J. II. Chain
Mrs. Earl Yost
Mrs. Alex Bennett
Mrs. J. C. Mckinley
Mrs. R. S. Lindsey
Mrs. J. M. Lloyd
Mrs. R. A. White
Mrs. George De Bord
Mrs. H. B. Hiller
Mrs. L. B. Adams
Mrs. T. F. B. Smith
Mrs. Julius Blum
Mrs. T. W. Bonekemper
Mrs. Alice Ewer
Miss Grace Moore
Mrs. A. A. Failing
Miss M. A. Edwards
Mrs. A. J. Ryan
Miss Nell Sovereign
CHAPTER XVI
BANKING AND FINANCIAL INSTITUTIONS
EARLY BANKING IN YORK COUNTY- COMMERCIAL STATE BANK-YORK COUNTY BANK -FIRST NATIONAL BANK, YORK-YORK NATIONAL BANK-CITIZENS STATE BANK- MEAD STATE BANK-FIRST NATIONAL POST REGIME- EXTENSION OF ACTIVITIES INTO OTHER TOWNS-MERGER WITH FARMERS NATIONAL BANK-MC CLOUD REGIME, FIRST NATIONAL-CITY NATIONAL BANK-GERMAN-AMERICAN BANK- FARMERS STATE BANK-OTHER BANKS IN THE COUNTY-CONDITION OF YORK COUNTY BANKS, 1917-1920.
EARLY BANKING IN YORK COUNTY
The first bank in York County, a scalping concern, was established in York in 1845 by William MeWhirter. The laws governing banks were very lax in those days, and no one ever knew what the capital stock of the bank was, but it is thought by II. C. Kleinschmidt, who was employed as clerk in the bank, that Mr. MeWhir- ter had about $1,500 invested in the banking business. There were no bank exam- iners in those days, and no law against usury, and one of the rules of the bank was not to buy any paper unless it was gilt-edged, and not to pay more than fifty cents on the dollar for good notes, and to pay forty-five cents on the dollar for county warrants, and charge three to five per cent a month for the choicest loans.
The first bank ledger in York County was opened by William MeWhirter Jan- mary 1, 1877. The book was six by seven inches and one-fourth of an inch thick.
The original book can now be seen at the First National Bank.
It seems from reliable information that Mr. MeWhirter had been doing a private brokerage business for some time, but in 1877 he procured a little room on the west side of the square and started York County's first bank.
The first month's business shows the following list of depositors: L. J. Gandy, county treasurer ; F. M. Ross, L. J. Gandy, F. O. Bell, C. S. IIesser, Brahmstead & Kleinschmidt, F. J. Greer, D. T. Moore, Sayre & Thompson, Aultman & Co., John Bittinger, Halstead & Multner, M. Sovereign. E. H. Bly, Mrs. John Fero, A. C. Montgomery, F. II. Gerard, David Erb, G. W. Wirt, and William F. Morrison.
The total of the deposits at the end of the first month was $3,186.38. The first balance sheet showed up clear and plain. It never was footed np.
It is unnecessary to say he made seads of money, and when he died in 1879 he was counted a rich man.
The banking business commenced by Mr. MeWhirter was continued after his death by D. E. Sayre, who held the agency for Union Pacific lands, and F. K. Atkins, who had prepared a set of abstract records for York County. This business
734
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CITY NATIONAL BANK, YORK
FIRST NATIONAL BANK, YORK
THE N. PUBLI.
ASTOR TILDEN HUL
737
HISTORY OF YORK COUNTY
was continued under the name of Sayre & Atkins until 1880, when it was incor- porated as the Commercial State Bank.
THE COMMERCIAL STATE BANK
This bank was incorporated under the state laws October 4, 1881, to continue twenty years. It succeeded to the general banking business of Sayre & Atkins. Its officers during the first part of its few years of existence were: D. E. Sayre, presi- dent ; F. Baldwin, vice president ; F. K. Atkins, cashier; F. B. Daggy, and F. O. Bell also directors with the aforenamed officers. It was capitalized for $50,000, and by 1882 had a paid-up capital of $33,500. A fine brick building was built for its home. In February, 1886, the Commercial State Bank purchased the stock, charter, good will and real estate of the old First National Bank and moved the books and papers of that institution into its own location. But while the location of the old Commercial State was retained, the amalgamated institution took the name of First National, and the separate identity of the Commercial State disappeared. Shortly preceding its amalgamation with the First National, the officers of this bank had been : F. O. Bell, president ; D. E. Sayre, vice president ; W. J. Wildman, cashier ; H. C. Kleinschmidt, assistant cashier, who it will be noticed were the corps of officers who took the helm after the merger.
YORK COUNTY BANK
Following the pioneer banking venture of William McWhirter, and competing with the Sayre & Atkins banking firm, came the private banking business of C. Lang- worthy, started in 1877. Mr. Langworthy became cashier, along with N. C. Rogers as president of the York County Bank. This bank operated through 1880 and 1881 as the competitor of the Sayre & Atkins banking firm, and its successor, the Com- mercial State Bank, and of the Farmers and Merchants Bank. with E. W. Mosher as cashier and W. A. Mosher assistant cashier. In 1882 Mr. Langworthy was presi- dent and A. C. Ward was cashier. Mr. Langworthy conducted the York County Bank in connection with the Seward County Bank at Seward. In 1881 he erected a two story banking building. 21x50, on Lincoln Avenue and Sixth Street. Before coming to York Mr. Langworthy had been cashier of the Monticello National Bank at Monticello. Iowa, and was equipped with fourteen years of experience in banking work.
THE FIRST NATIONAL BANK
As already mentioned, W. A. Sharrar came from Lincoln, Neb., in 1879, and opened a private bank known as the Farmers Bank, which for some time bore the official title of Farmers and Merchants Bank. The business grew to proportions that led Mr. Sharrar and business associates to seek a larger field than that of the private or small state bank, and resulted in the organization of the First National Bank, which was chartered on April 23, 1882. It was started out with a capital stock of $50,000, and the following complement of officers: R. C. Outealt, president : W. A. Sharrar, vice president ; R. C. Outcalt. C. W. Mosher, E. W. Mosher, W. A. Sharrar, directors: and E. W. Mosher, cashier. This centered the banking activities of the community into two channels-the Commercial State,
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HISTORY OF YORK COUNTY
succeeding Sayre & Atkins, and the First National. conducted by the men who had promoted and built up the old York County Bank and the Farmers and Mer- chants Bank, which now disappeared from the boards. No one in York County in 1882 would have dared to prophesy that thirty-five years later there would be a bank in York with a capital and surplus of more than $100,000, and in less than forty years a bank possessing a fine four story brick office building, one of the most palatial in the state. Yet that is the record accomplished by the First National Bank of York.
The banking situation in York was widened from two to three competing banks in a very short time by the entrance of a private banking business, which became the York Exchange Bank.
On February 11, 1886, the stock, good will, charter and real estate of the First National Bank was purchased by the Commercial State Bank, which moved it into the building of the Commercial State, but retained the name and identity of the First National for the new concern.
The officers and directors of the new bank became: F. O. Bell. D. E. Sayre, H. C. Kleinschmidt, F. B. Daggy, B. Lombard, Jr., Nelson C. Brock, W. J. Wild- man and E. M. Cheney, directors. The officers were: F. O. Bell, president : D. E. Sayre, vice president ; W. J. Wildman, cashier: II. C. Kleinschmidt, assistant cashier.
In February, 1886, articles of incorporation were filed for the York Savings Bank, designed to carry on a general banking business and also the business of a safe deposit and trust company. The capital stock was placed at $100,000 and was very largely taken before starting business. This concern occupied the building vacated by the First National when the merger with the Commercial State was made, and its incorporators were D. E. Sayre, F. O. Bell, E. M. Cheney, F. L. Mayhew and Mrs. Kate Harrison, these names presenting a somewhat interlocking interest with the new First National Bank holdings. Mr. H. C. Kleinschmidt assumed the duties of cashier of the York County Savings Bank until the resigna- tion of Cashier W. J. Wildman of the First National in December, 1886. Ile then took the post in the First National vacated by Mr. Wildman, and E. M. Cheney took his place with the York County Savings Bank for a time. Mr. Wildman retired to remove to Marquette, to be associated with F. K. Atkins in real estate and cattle interests.
The steady growth of the First National during this period is evidenced by its statements. Its resources on March 7, 1884, under the Outcalt-Mosher-Sharrar management, were $151,705.49. In 1892 its statement showed resources of $223.477.55.
In 1893 another radical change occurred in the management and ownership of the First National Bank when George Wallace Post, president of the York National Bank, and his associates bought the First National and consolidated the two banks.
THIE YORK NATIONAL BANK
This bank was an ontgrowth of the York Exchange Bank, which was started in September, 1882, as a private bank. In April. 1884. it was organized under the national laws as the York National Bank, with a capital of $50,000. It soon accumulated an undivided surplus of $6,000 on the credit side of the ledger.
739
HISTORY OF YORK COUNTY
Its officers and board of directors during the next few years were: President, Geo. W. Post : vice president. J. C. Kingsley : cashier, Lee Love ; assistant cashier, E. J. Wightman. Directors: G. W. Post, Lee Love. Jesse Love, J. C. Kingsley, E. M. Cheney and W. L. White. The personnel of this board needs no fulsome comment. G. W. Post, familiarly known as "Judge" Post, was eight years district judge : was connected with the internal revenue department four years as collector. and was identified with the growth of York from its infancy. Messrs. Kingsley and Cheney were prominent real estate men, while Messrs. Lee Love. Jesse Love and W. L. White were capitalists and bankers, having interests in several financial institutions throughout the state. The York National Bank grew rapidly, and in 1891 had resources of over $311,000, and before its merger with the First National Bank had outgrown its competitor. The personnel of the directorate and otticers had changed slightly before its merger in 1893. when it stood: G. W. Post, presi- dent : W. K. Williams, vice president ; E. J. Wightman, cashier; E. M. Cheney. Lee Love. G. P. Chessman and Jesse Love as the other directors.
E. J. Wightman, known commonly as "Jud." was promoted by the York National to cashier in March. 1891, after four years of faithful service as assistant cashier. Mr. Wightman, of course, went to the First National after the merger in 1893.
THE CITIZENS STATE BANK
In February, 1886. still another candidate for public favor in the banking field showed up in York, with the organization of the Citizens State Bank. It started with a eapital stock of $50,000. and built a new brick building during the first two years of its existence. Its officers were: J. W. Barnes, president, interested in buying and selling western land ; vice president. D. E. Sedgwick, one of the pioneer physicians of York; cashier, W. A. Sharrar, who had been instrumental in the founding and development of the Farmers and Merchants Bank and the First National Bank, for its first few years of existenee. C. A. McCloud, destined to play a very important part in later years of York County banking activities, was assistant cashier, and the other directors were E. P. Warner, later assistant cashier, an old resident of York and experienced operator in real estate and loans, and J. F. McConaughy, a prominent dry goods merchant, and later David Fisher, a grain buyer.
THE MEAD STATE BANK
Another banking venture started in York in April, 1888, when articles of incorporation were filed for the Mead State Bank. An account of the organization of this bank detailed it as follows: The capital stock is placed at $100,000 with an authorized capital of $500,000. The articles are signed by F. F. Mead, W. D. Mead, Geo. H. Jerome, S. HI. Sedgwick, D. T. Moore, L. L. McIlvain, J. V. Gardner and S. C. Grippen. At a meeting of the stockholders held on Tuesday evening the following officers were elected: W. D. Mead, president; F. F. Mead, vice president : S. II. Sedgwick, assistant vice president ; S. C. Grippen, cashier ; L. L. MeIlvain, assistant cashier. The new concern starts out with flattering prospects, and gives promise of becoming one of the strongest institutions in the city. Their elegant new building will be commenced on the northeast corner of the square in a few days, and will be an ornament to the city. The many friends of Mr. Grippen
-
740
HISTORY OF YORK COUNTY
will be glad to learn that he has identified himself with the new bank, as it insures that he will remain one of the pushing, enterprising men who are making York a great city.
Another account of the status of this bank, in 1888, narrated its growth as follows:
The Mead State Bank succeeded or rather is an outgrowth of the Nebraska Land and Loan Company that had operated for five years previous to May 1, 1888, when the present bank was organized under the state laws of Nebraska, with a paid up capital of $100,000 and an authorized capital of $500,000, caeh subscriber being directly obligated to twice the amount of stock held by him. The bank is vested with full power to act as trustees, administrators or guardian ; also to issue debenture bonds, which are seenred by real estate mortgages, upon improved real estate representing in no case over forty per cent of the appraised value of the property. and deposited with the Title Guarantee and Trust Company, Chicago, Ill., whose capital is $1,600,000 and who hold said mortgages in trust for the lawful holder or holders of the company's debentures. The debenture bonds are issued in series of $100,000, divided into $300, $500 and $1,000 each, and drawing six per cent interest annually, which is paid semi-annually at the Title Guarantee and Trust Company of Chicago. The Mead State Bank, on the day it opened its doors. had no deposits assured, and at the end of thirty days issued the following statement :
Resources
Liabilities
Loans and discounts .... . $108,353.29
Capital stock
$100,000.00
Real estate. furniture, etc.
5.064.98
Individed profits 1,449.91
Current expenses paid . . .
219.30
Insurance 32.36
Due from other banks. 17.442.25
Deposits
36,648.00
Cash on hand
7,050.48
Total
$138.130.30
Total $138,130.30
And still thirty days later, and sixty days from date of its organization, the totals are swelled to $150.839.96. To practical financiers those statements duly attested speak volumes on the manner in which the management is handled. The elegant new structure of Warrensburg blue sandstone that is being built for the bank's quarters on the northeast corner of the square will, when finished, be the costliest and best equipped bank in this section of the country. The furnishings will be of antique oak, plate glass and brass finishings; it will be heated by steam and lighted by incandescent lights: one of the latest improved Herring double burglar proof safes will be used for cash and paper valuables. The officers and directors of the bank are as follows: W. D. Mead, president: F. F. Mead, first vice president : S. U. Sedgwick. second vice president; S. C. Grippen, cashier ; L. L. Mellvain, assistant cashier ; directors, F. F. Mead, S. C. Grippen, W. II. Brevoort, L. L. Mellvain and I. H. Sheeks.
W. D. Mead. the president, came to York ten years ago and opened a broker's otlice. In 1882 he took in as a partner his son, F. F. Mead, who is now first vice president. In 1885 they organized the Nebraska Land and Loan Company, which was succeeded by the present organization.
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HISTORY OF YORK COUNTY
Mr. Sedgwick, second vice president, is an attorney of York, and from his standing in his profession and reputation throughout the state needs no fulsome conunent.
Mr. Grippen, the cashier, was for years identified with the hardware business, and has a very extensive acquaintance with the farmer and agriculturalist throughout this section.
Mr. Mellvain was formerly a bookkeeper in the land and loan office, and later assistant cashier of the Tamora State Bank, until this bank was organized, when he accepted the present position.
The new building, a cut of which appears on the opposite page, is 21x60, three stories, and will cost when furnished and completed $15,000. Mendelsohn, Fisher and Lowrie of Omaha are the architects: the floor will be tile and windows of plate glass with cathedral transoms.
While this bank is organized under the state laws of Nebraska to do a general banking business, it also deals in municipal, county and school bonds and makes first mortgage real estate loans a specialty.
Another bank which flourished in the late nineties was the Nebraska National of York. Earnest Davis was president for a time, and he was succeeded by T. B. Clawson, then cashier of the State Bank of Lushton. This bank met difficulties in the summer of 1897 and disappeared from the banking roster of the county.
THE FIRST NATIONAL BANK-POST REGIME
During the period between October, 1893, when George W. Post and his asso- ciates took the management of the First National Bank, until August. 1912, when Judge Post retired, the First National Bank showed a remarkable growth. During this period Judge George W. Post served as president and E. J. Wightman as cashier of this bank. Cashier Wightman was vice president a portion of this time. August Zimmerer was assistant cashier during most of this period. By 1902 this bank had reached a point where its statement of resources showed $815,478.97; in May, 1905, this had reached $981,488,01, and in December, 1907, had passed the million mark, being $1,021.227.32, and the deposits were over $700.000. Before 1916 the deposits had passed the million dollar mark. The directors who served with the above named officers through most of this period were G. P. Chessman, N. A. Dean, George W. Neill, T. W. Smith and George M. Spurlock.
Extension of Activities
During the regime of Judge Post and his associates at the helm of the First National Bank, they became associated with a number of other banks in York County. This tended to build up a cohesive system and made both the banks in these other towns and the bank at York that much stronger. During the régime of Judge Post he and his associates formed the First Trust Company in 1911. Before he came to the First National and during his connection with the old York National, Judge Post had organized and became president of the Bank of Benedict, November 27. 1889, and continued as its president until February 8, 1906, when that bank was converted into the First National Bank of Benedict. In 1910 G. W. Post was president, E. J. Wightman, vice president, and B. B. Crownover was cashier of that bank.
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HISTORY OF YORK COUNTY
On May 14, 1897, Judge Post and his associates organized the State Bank of Bradshaw. He served as president until in 1906, when this bank was converted into the First National Bank of Bradshaw, of which new bank he served as president until August, 1912.
In 1910 the other officers of this bank were: E. A. Wells, vice president ; J. F. Hlouseman, cashier; and C. B. Palmer, Jr., assistant cashier. In 1921 Mr. Wells is still vice president and C. B. Palmer. Jr., has succeeded to the cashiership. But since the change of ownership in the First National Bank at York, Charles A. MeCloud has become president of this bank.
In June. 1889. Judge Post became president of the Blue River Bank of McCool and served as such until August, 1912. In 1910 T. W. Smith was vice president and Arthur 1. Moore was cashier.
In April, 1902, Judge Post bought a controlling interest in the Bank of Lushton and served as its vice president until 1912. In 1910 E. J. Wightman was presi- dent and J. L. Ashmore cashier of this bank. Judge Post was also president of the Bank of Thayer. organized in 1890. of which E. J. Wightman was vice presi- lent. Otto Wutke cashier, and Ambrose Retzlaff assistant cashier.
In May, 1885. Judge Post had become president of the Farmers and Traders Bank of Waeo and served continuously as its president until August, 1912.
Thus it will be seen that when Judge Post and his associates sold the First National Bank of York and their holdings in banks at Benediet, Bradshaw, MeCool, Lushton, Thayer and Waco, they had formed practically a county-wide banking system.
Merger with Farmers National Bank
In Angust, 1905, another bank had been organized in York, named the Farmers National Bank, with a capital stock of $50,000. Charles A. MeCloud was president of this bank, C. A. Schrandt, vice president, A. B. Christian, cashier, and in October, 1906, William E. MeCloud came from the cashiership of the Bank of Lushton and took the assistant cashiership until his election to the county treasurer- ship of the county in 1909.
But the purchase of the First National Bank in 1912 by the officers and stock- holders of the Farmers National and the consolidation into the First National ended the separate career of this bank.
Upon the occasion of the sale of interests of Judge Post and his associates to the new owners. the management of the First National issued the following letter of farewell, explanation and greeting :
York. Neb .. August 6, 1912.
To Our Customers and Friends:
By the time this letter reaches you, you will no doubt have learned of the change in the presidency of this bank. On account of health conditions in his family, Judge Post has sold his interest in the bank to Charles A. McCloud. George II. IIoldeman, Robert R. Copsey. J. R. MeClond, Mrs. Hattie E. Conway and others. Mr. Charles A. McCloud has been elected as director and president of the bank.
Plans are under way looking to the consolidation of the Farmers National Bank with this bank, with an increased capital and surplus sufficient to meet fully the needs of the community.
743
HISTORY OF YORK COUNTY
It is a source of deep regret to me, as it is to all of the other officers and directors of the bank, to be compelled to sever the elose business relations of many years of service with our retiring president. To Judge Post a large measure of credit is due for the success of the business in the past.
It is hardly necessary for me to introduce our new president. Mr. McCloud has been known to yon as one of the successful business men and bankers of York for the past thirty years or more, and is well known throughout the state as one of our leading citizens.
I bespeak for him your hearty support and confidence. The other new stock- holders are also well known to you as successful and responsible business men closely associated with the business affairs of our city and county. It is gratifying to know that none of the stock of the bank goes outside of York County. The bank will continue to be as in the past, a strictly home institution. All the stockholders of the bank live in York County except three, who own forty-five shares out of a total of 1,000 shares.
At the earnest request of the new stockholders I am retaining my interest in the bank and will remain in the same capacity as heretofore. The same familiar line of faces will greet you at the counter, and the business of the bank will be conducted on the same liberal yet conservative lines as in the past. I sincerely hope that everyone of you will remain loyal to the First National Bank and that you will help us in building up an even better and stronger institution.
Thanking you very sincerely for many favors shown, I am.
Yours very respectfully,
E. J. WIGHTMAN, Vice President and Cashier.
First National Under McCloud Régime
The period since 1912 has brought but a few changes in the official directory of the First National Bank. Prior to the last sale, E. J. Wightman was vice president and cashier, and Angust Zimmerer and A. C. Hubbell were assistant cashiers. In 1916 the officers were: C. A. MeCloud, president : R. R. Copsey. vice presi- dent; J. R. McCloud, cashier; Angust Zimmerer, assistant cashier; Mamie Wood, assistant cashier ; and II. E. Nordlund, assistant cashier. The officers in 1917 were : C. A. MeCloud, president ; T. W. Smith, George M. Spurlock and R. R. Copsey, vice presidents ; J. R. McCloud, cashier : August Zimmerer, Allan (. Hubbell and Mamie Wood, assistant cashiers ; and Ilarry Nordlund, auditor. In 1918 the officers were: C. A. McCloud, president ; R. R. Copsey, vice president : G. M. Spurlock, vice president; T. W. Smith, vice president : J. R. McCloud, cashier; August. Zimmerer, assistant cashier; Mamie Wood, assistant cashier : I. E. Nordlund, assistant cashier. Directors: George M. Spurlock. E. A. Wells, O. M. Moore, R. R. Copsey, Geo. W. Shreck. C. M. Moyer, H. D. Hall, L. S. Loomer, J. R. McCloud, T. W. Smith, A. W. Thompson, Dennis Meehan, C. A. McCloud.
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