USA > Rhode Island > Providence County > History of Providence County, Rhode Island, Volume I > Part 68
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HISTORY OF PROVIDENCE COUNTY.
Potter. He was succeeded by C. A. Tompkins, 1856 to 1862; W. P. Moulton, 1862 to 1865; William C. Townsend, 1865 to 1868; Joshua WVilbour, 1868 to 1874; H. A. Hunt, 1874 to 1881; C. E. Lapham, 1881 to the present time. The capital has varied, having at times been $300,000 and then double that amount, but is now $500,000. The directors are H. H. Thomas, George H. Dart, G. L. Littlefield, B. B. Knight, S. A. Jenks, Edwin Barrows and William B. Waterman.
The Jackson Bank was incorporated in May, 1854. It was located at 25 Broad street, and had a capital of $170,000. About 1868 it was removed to 29 Weybosset street, its present location. Its capital steadily increased until 1876, when it reached $344.450, which figures have since been maintained. The first directors were Eli Aylsworth. Benjamin M. Jackson, John A. Darling, Amos M. Warner, Benjamin R. Arnold, Henry R. Congdon and Seth W. Baker. The first presi- dent was Eli Aylsworth, but he was soon succeeded by Alfred An- thony, who served to 1883, being then followed by Cornelius S. Sweetland, who is now in the office. J. A. Bosworth, the first cashier, was succeeded by Theodore B. Talbot in 1862. The latter continued until 1885, when he was succeeded by George E. Leonard, the pres- ent cashier. Mr. Leonard was teller from 1867 to 1885, and was then succeeded in that office by Edwin T. Herrick. The present directors are Cornelius S. Sweetland, Hugh B. Bain, George W. Bradford, Gil- bert F. Robbins and George E. Leonard.
The Marine Bank, at first located at 27 South Main street, was in- corporated in May. 1856, with a capital of $250,000. Its first directors were William S. French, Benjamin B. Adams, Addison Q. Fisher, William H. Bowen and (). A. Washburn, Jr. The bank was reorgan- ized as the Third National Bank, under an incorporation dated De- cember 20th, 1864. Its location was changed to 13 Market Square in 1859, and again to 137 Westminster street in 1884. On its reorgani- zation the capital stock was made $400,000, which in 1866 was in- creased to $500,000. the present amount. William S. French, the first president, was succeeded in 1858 by Oliver A. Washburn, Jr., who con- tinues to the present time. The first cashier was George R. Drowne, who was succeeded in 1858 by C. H. Childs, Jr. The latter served until 1886, when he was followed by Frank W. Gale. The present directors are Oliver A. Washburn, Jr., William F. Sayles, William P. Chapin, A. L. Sayles, George W. Snow and John Eddy.
The Northern Bank was incorporated in May. 1856, with a capital of $220,000. It was located at 36 Weybosset street. In 1875 it was removed to 56 Weybosset, its present location. Its capital gradually increased until 1867, when it reached the highest point, at $369,700, after which it diminished to $225,700, at which it has now stood for several years. The first directors were Stephen T. Olney, John B. Palmer, Vincent Carr, Williams Metcalf, David Ballou, William G. Pierce, George L. Claflin, William Whitcomb and John T. Mauran.
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HISTORY OF PROVIDENCE COUNTY.
The first president was Stephen T. Olney. He was succeeded in 1860 by William G. Pierce, who served till 1866, and was succeeded by John B. Palmer, 1866 to 1869; David Ballou, 1869 to 1877; Henry J. Steere, 1877 to 1882. The cashiers have succeeded as follows: Peter H. Brown, 1856 to 1866; Sullivan Fenner, 1866 to 1882. The direc- tors in that year were Henry J. Steere, William Whitcomb, Allen Greene, Josiah W. Crooker, George L. Claflin, Ebenezer Allen, Ed- win G. Angell, George A. Seagrave and F. H. Peckham, Jr.
The Second National Bank was incorporated in June, 1864, with a capital of $500,000. Its location was at 37 Weybosset street. Its first president was Lyman B. Frieze and its first cashier was T. Salisbury. The first directors were Lyman B. Frieze, William Sprague, William Viall, James B. Ames, Albert T. Elliott, T. Salisbury and Amasa Sprague. Succeeding presidents were: Thomas A. Doyle, 1871 to 1874, and James M. Kimball, 1874 to the present time. The cashiers have been: T. Salisbury, 1865; John Wilbour, 1866; Joshua Wilbour, 1867; William W. Paine, 1868 to the present time. The bank was located at 41 Weybosset about 1867, and two years later removed to 56 Westminster, where it has remained to the present time. About 1875 the bank had a surplus of $200,000. Its capital at the present time is $300,000. Its directors are James M. Kimball, William W. Paine. John P. Campbell, James H. Chace, Edward P. Taft. John C. Wyman and William S. Granger.
A few other banks have had an existence in Providence during short periods of time. These may be briefly mentioned as follows. The Mount Vernon Bank, incorporated in 1823, moved to Providence about 1855, and was located four or five years at 87 Westminster street. Its capital at that time was $100,000. During the four or five years Henry Whitman and Joseph Belcher were successive presi- dents, and R. G. Place and Stephen C. Arnold were cashiers. The Bank of the Republic was incorporated in June, 1855, located at 56 Broad street, and had a capital of $100,000. Its president was Na- thaniel A. Eddy, and its cashier Charles M. Howlet. Its record did not extend beyond two years. The Mechanics' Mutual Loan and Savings Fund Association existed from 1856 to 1859, having a loca- tion at 47 North Main street. Its successive presidents were A. W. Godding, Parley M. Mathewson and John N. Francis, its secretary meantime being George F. Hathaway. The Rhode Island Loan Fund Association, a similar institution, and located at the same place, had a brief existence about 1856. Edward P. Knowles was its president.
The Providence Institution for Savings was chartered in October, 1819. This was the first savings bank established in this city. It opened for business in November, on the west side of South Main street, nearly opposite the Providence Bank. The institution may be called an outgrowth of the old Providence Bank, and during its existence has been closely associated with it. For some time it was
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HISTORY OF PROVIDENCE COUNTY.
located at 48 South Main, then at 50, then at 76 of the same street. As early as 1842 it had 2.150 depositors, whose total deposits amounted to $297.547. The total number of depositors at the pres- ent time is about 28,000, and their aggregate deposits are nearly twelve million dollars. It occupies a dignified and substanial granite building on South Main street, at No. 76, which was erected for its use, and is a conspicuous object among the buildings of that locality. The presidents since 1847 have been: Benjamin Hoppin. Robert H. Ives, 1869 to 1876, and William Goddard, 1876 to the present time. Successive treasurers have been: Henry Cushing, to 1861; Samuel C. Blodget, 1861 to 1886; William A. Hoppin, 1886 to the present time. Since 1847 the following have held the office of vice-president: Robert H. Ives, Isaac Brown, Alexander Duncan, Joseph Balch, Moses B. Lockwood, William Goddard. Royal C. Taft, Rufus Water- man, Thomas P. I. Goddard, Samuel M. Noyes, Amos L. Lockwood, George W. R. Matteson and Lucian Sharpe. The present directors are William W. Hoppin, William Gammell, Samuel R. Dorrance. Robert Ives Gammell, R. H. I. Goddard, Rufus Waterman, William B. Weeden, Horatio N. Campbell, Jr., Edward D. Pearce, John W. Danielson, Howard O. Sturges and Thomas P. I. Goddard.
The People's Savings Bank was incorporated in May, 1851. It was for a number of years located in the What Cheer Building, on Market Square. Since 1881 it has been located at No. 1 Market Square. Its office at first was at the rooms of the Bank of Commerce. The first directors were: Earl Carpenter, George W. Hallett, Heze- kiah Anthony, Jabez C. Knight, James T. Rhodes, Resolved Water- man, William Foster, William Comstock, Matthew Watson, Ezra Bourn, Shubael Hutchins and Edward A. Greene. Successive presi- dents have been: William Sprague, 1851 to 1857: Orray Taft, 1857 to 1866; Amos D. Smith, 1866 to 1877; Edward A. Greene, 1877 to 1884: Robert Knight, 1884 to the present time. The office of secretary and treasurer was held by Jesse Howard from the beginning to 1876. He was then followed by Albert C. Howard, who was succeeded in 1886 by John G. Massie, the present official. The following have held the office of vice-president in this bank: Orray Taft. Amasa Manton. Amos D. Smith, Hezekiah Anthony, Truman Beckwith, Resolved Waterman, Seth Padelford, Edward A. Greene, Cyrus Harris, Robert Knight, Francis W. Carpenter, Charles Morris Smith, Eugene W. Mason, G. C. Nightingale and E. P. Taft. The present directors are: Charles E. Carpenter, Francis W. Carpenter, Daniel Day. John B. Anthony, Daniel E. Day, Andrew Comstock. Horatio N. Campbell. Webster Knight. James H. Chace. Harvey E. Wellman, Henry F. Lippitt and Frederick Grinnell. This bank has always maintained a leading position among the financial institutions of the city, and has passed through all the panics since its organization without waver- ing, or any loss to its credit or reputation. The total amount of its
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HISTORY OF PROVIDENCE COUNTY.
deposits at the present time is more than $5,000,000, and the number of depositors above 8,000. The confidence which is placed in this bank is shown by the fact that a single depositor has placed more than $40,000 in its keeping at one time.
The Mechanics' Savings Bank was incorporated in June, 1854. The first officers were: Zelotes W. Holden, president: Alfred An- thony, E. P. Knowles and A. C. Barstow, vice-presidents; and W. H. Harrison, secretary and treasurer. The directors were: Eli Ayls- worth, George W. Butts, Preston Bennett, Apollos Richmond, Samuel James, William Andrews, Charles Anthony, Amos W. Snow, Asa Pearce and Lucius Weaver. This bank takes a leading place among the kindred establishments of the city. Among its officers may be found some of the most substantial business men and financiers of the city. The deposits amount to more than $6.000.000, and are made by upwards of 10,000 depositors. The bank is associated with the City National Bank. Successive presidents have been: Zelotes W. Holden, from the beginning to 1861; Alfred Anthony. 1861 to 1877; Amos C. Barstow, 1877 to the present time. The office of sec- retary and treasurer has been held successively by William H. Har- rison, to 1868, and William Knight, 1868 to the present time. The following have been vice-presidents: Edward P. Knowles, Alfred Anthony, Amos C. Barstow, Eli Aylsworth, Samuel James, Rowland Hazard, Charles Anthony, Zechariah Chafee and Henry F. Richards. The bank was first located at 41 Westminster street, but about 1867 it was moved to the bank building at 98 Weybosset street, where it still remains. The following are dircetors: Thomas A. Richardson, Oliver Johnson, Charles Dudley, William B. Greene, Charles H. Sprague, John McAuslan, Edward P. Chapin, Louis H. Comstock, Edwin A. Smith, Charles C. Harrington, Henry T. Root and Joseph Davol.
The City Savings Bank may be regarded as the outgrowth of the Old National Bank. It was opened for business in the same building occupied by that bank, about the year 1859. Its directors then were: Robert Manton, William M. Bailey, George B. Holmes, Henry C. Cranston, Edwin J. Nightingale, James Humphreys. Ezra W. How- ard, Amos N. Beckwith, Charles H. Childs and Richard J. Arnold. James Y. Smith, the first president, was succeeded in 1877 by Henry J. Steere, who has held the office until the present time. The first secretary and treasurer was Barzillai Cranston, who was succeeded in 1868 by James E. Cranston. The latter was followed in 1878 by George K. Cranston, who remains in the position at the present time. The vice-presidents have been: George W. Hallet, Thomas J. Hill. Francis E. Hoppin, Henry C. Cranston, Franklin A. Steere, John S. Palmer and James E. Cranston. About 1867 the location of the bank was changed to 21 Weybosset street, where it still remains. The directors are: Christopher Lippitt, Dutee Wilcox, Amos N. Beck-
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HISTORY OF PROVIDENCE COUNTY.
with, Charles J. Wheeler, J. W. Crooker, Jeffrey Davis, D. Russel Brown, George W. B. Bourn, J. U. Starkweather and John H. Cady.
The Rhode Island Hospital Trust Company was incorporated in May, 1867, with a capital of $500.000. It is empowered by its charter to receive money in trust or on deposit, and to act as administrator, assignee, or receiver, whether by appointment of court or of indi- viduals. It is also a chartered safe deposit company. It was at first located at 37 South Main street, but about the year 1874 was removed to its present location at 60 South Main. Its first board of directors was composed of such men as: John Carter Brown, Amos D. Smith, Robert H. Ives, Earl P. Mason, Amos C. Barstow, Truman Beckwith, Moses B. Lockwood, William S. Slater, Thomas P. I. Goddard. Am- brose E. Burnside, Edward King. Rowse Babcock. Alfred Anthony, Zechariah Chafee, Stephen Harris, Samuel M. Noyes, Thomas P. Shepard, Edward D. Pearce, Rufus Waterman and Christopher Lip- pitt. Its first president was William Binney, who was followed in 1882 by Alexander Farnum, and he in turn by Herbert J. Wells in 1885. The secretaries have been: Henry Jacobs, 1867 to 1872; Charles H. Sheldon, Jr., 1872 to 1881; Herbert J. Wells, 1881 to 1885; Ed- ward S. Clark, 1885 to the present time. The capital was increased about 1881 to $800.000, and this again in 1888 to $1,000,000. The present vice-president is Samuel R. Dorrance; and the directors are: Amos C. Barstow, Christopher Lippitt, Royal C. Taft, R. H. I. God- dard, G. W. R. Matteson, S. S. Sprague, William D. Ely, Robert I. Gammell. William Binney, William B. Weeden, Rowland Hazard, Edward D. Pearce, Henry J. Steere. Horatio N. Campbell. Robert Knight. John W. Danielson, Herbert J. Wells, John C. Pegram and Lyman B. Goff.
The Jackson Institution for Savings was opened about 1872, as the National Institution for Savings. It was associated with the Jackson Bank, and had its quarters in the banking room of that in- stitution, at 29 Weybosset street. The directors then were John B. Hennessey, Amos M. Warner, Rev. P. G. Delany, Alfred Anthony, William Boyd, Thomas Furlong. Rev. John Quinn, John Bligh, and John P. Cooney. Its president was Charles A. Boyd; vice-presidents were Right Reverend Francis P. MeFarland. Lyman B. Frieze and Thomas Cosgrove; treasurer and secretary, Theodore B. Talbot. The present name was adopted about 1874. The first president is still in office. George E. Leonard succeeded the first secretary and treasurer in that office about 1885. This bank has been a popular depository for women and children under legal age, as by its charter it allows such depositors to control their own deposits the same as citizen depositors. The number of depositors is about 700, and the amount of deposits nearly a half million dollars. Other vice-presi- dents, since the first, have been George F. Wilson, Henry B. Glad- ding, Albert H. Manchester, Amos M. Warner and Gilbert F. Robbins.
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HISTORY OF PROVIDENCE COUNTY.
The Citizens' Savings Bank was first located at 346 High street, now at 344 High street, and is associated with the High Street Bank, in whose banking rooms it transacts business. It began business about 1872, its first board of directors being George W. Hayward, Stephen C. Arnold, Stillman Perkins, Henry T. Root, William S. Hayward, Joseph F. Gilmore. Archibald B. Rice, David Cady, John D. Cranston, Fitz James Rice, William H. Washburn and Jeremiah G. Pearce. Its presidents have been: Caleb Harris, 1871; Henry T. Grant, 1872 to 1877; John D. Cranston, 1877 to 1879; John Austin, 1879 to the present time. The offices of secretary and treasurer have been held by C. H. Bassett, 1871 to 1874, and Elijah Allen, 1874 to the present time. The amount of deposits at the present time is about two and a quarter million dollars and the number of depositors something over 3,000. The directors are William S. Hayward, Henry Fiske, Fitz James Rice, Silas A. Sweet, Lester S. Hill, John W. Briggs, Charles Law and Ed- win Lowe.
The Merchants' Savings Bank commenced business about the year 1872, in the banking rooms of the Liberty Bank. at No. 9 Ex- change Place. It had the following board of directors: Henry B. Met- calf, George L. Claflin. Alfred W. Fisk, John Eddy, Charles F. Samp- son, George A. Seagrave, George W. Payton, Elisha W. Pierce, Henry B. Drowne and Frederick M. Ballou. The president from that time to the present has been James S. Phetteplace. The secretary and treas- urer, from the first to 1883, was Christopher R. Drowne, and since the latter date that office has been filled by John W. Angell. About 1882 the bank was moved from the rooms of the Liberty Bank to those of the Lime Rock National Bank, at 41 Westminster street, where it has since remained. The following have held the office of vice- president: Duty Evans, Dexter B. Lewis, Lyman B. Frieze, George A. Seagrave, Frederick M. Ballou, George W. Whitford, Edwin G. Angell and Fred. B. Evans. The number of depositors is about 800, and its aggregate deposits amount to nearly half a million dollars.
The Franklin Five Cents Savings Bank was started about 1861. at 56 Westminster street. In 1864 its name was changed to the Frank- lin Institution for Savings, and soon after the location was changed to 62 Westminster street. Its president was William Sprague, up to 1874, when Cyrus Harris succeeded. The bank soon after that date closed its business and settled its affairs. It had some 5,000 deposi- tors, aggregating over $600,000. Its secretary and treasurer up to 1874 was Winthrop De Wolf, and after that date, T. Salisbury.
Two or three other savings banks have had a brief existence and closed up their business. The Rhode Island Institution for Savings was started about 1867, and continued some ten years or more. It carried on business in the banking rooms of the Rhode Island Na- tional Bank, at 70 Weybosset street. Earl P. Mason was its presi- dent, and Robert A. Pearson, secretary and treasurer until 1872,
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HISTORY OF PROVIDENCE COUNTY.
when he was followed by S. H. Tabor. The number of depositors reached 1,253, their deposits amounting to $132,764. The Union Savings Bank began business about 1867, occupying a place in the banking rooms of the Union Bank at 10 Westminster street. James Y. Smith was its president until followed by Charles A. Nichols, about 1877, soon after which date the bank closed business. Its treasurer was James B. Hoskins until 1870. and Joseph C. Johnson from that date. he having been secretary from the first, and contin- ued to hold that office. The last report of the bank showed 1,561 depositors, with an aggregate deposit of $362.938. The Cranston Savings Bank did business for a few years in the rooms of the First National Bank, at 41 Westminster street, beginning about 1871. Amasa Sprague was its president; Arba B. Dike, vice-president; Joshua Wilbour, secretary and treasurer. It had over 4,000 deposi- tors and more than $500,000 deposits.
The insurance business, in some form or another. has been car- ried on in Providence from quite an early period. At first it was carried on by private individuals, and was perhaps applied to forms of marine insurance more than to the insurance of buildings and property on land. In certain documents known to antiquarians reference is made to insurance claims which would indicate that underwriters had done business here previous to the year 1756. In the decade previous to 1740 there was considerable activity in com- meree, and a large number of vessels were engaged, and a writer at the time declared that the methods of underwriting which were in vogue by men of England had been learned and were being prac- ticed here, though no definite instances are quoted or referred to. Policies of insurance bearing date as early as 1772 are preserved. After the revolution the business became more active, this individual underwriting having reached its most active period during the last decade of the last century. The following advertisement of an " In- surance Office " which appeared in 1794, tells the story in outline as to the methods then in use:
" John Mason takes this method to inform the publie in general that he has opened an insurance office in a room in the Coffee House. upon such principles and under such regulations as were established by the principal merchants of this Town, at a regular meeting, which are nearly similar to those established in Boston. He flatters him- self that all who may apply for Insurance, will experience such At- tention and Punctuality as will afford entire satisfaction. The office will be open from Nine o'clock A.M. to One P.M., and from Four to Six P.M., every day in the week, Sundays excepted."
But there were objections to the individual method of conducting insurance, which suggested the formation of stock companies, and so, probably out of the office of this same John Mason, grew the Providence Insurance Company, incorporated in 1799, which at first
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HISTORY OF PROVIDENCE COUNTY.
transacted a purely marine business, but afterward added the regti- lar fire insurance. John Mason was elected its president. In the following year the Washington Insurance Company was organized. and about 20 years later these pioneer companies united, and the Providence Washington Insurance Company continues their history.
The Providence Washington Insurance Company is claimed to be the oldest joint stock fire and marine insurance company in the United States, dating its existence from the incorporation of the Providence Insurance Company above referred to. in 1799. It is probably the largest, and is doing the most business of any company in the state. It has a paid up capital of $400,000, and its gross assets amount to $1,144,316. Its total liabilities, except capital, are only $658,208. Its total income for the year ending in 1889 amounted to $995,170. This company conducts a general fire and marine insurance business. Its has about 600 agents in different parts of the country. Its offices are in the What Cheer Building, at 20 Market Square. The company has had only four presidents during its long term of exist- ence, since its consolidation. The first was Richard Jackson, father of Governor Jackson; the second was Sullivan Dorr, whose long term of service ended about 1858; the third was John Kingsbury, who be- gan about 1859 and continued till his death in 1874; and the fourth. J. H. De Wolf, who has served from 1874 to the present time. Warren S. Greene was secretary for a long term, beginning previous to 1838 and continuing until 1880, when he was followed by J. B. Branch, the present secretary. Assistant secretaries since 1860 have been: J. Halsey De Wolf, Charles Foster, Lemuel Hayward. J. B. Branch and George E. Bixby. The present directors are: Rowland Hazard, J. H. De Wolf, William Grosvenor. William Ames. Henry J. Steere, F. W. Carpenter, R. I. Gammell. E. Philip Mason, Royal C. Taft. Eugene W. Mason and John S. Palmer.
The Providence Mutual Fire Insurance Company has had a long and prosperous career, having been founded and commenced busi- ness in the year 1800. As its name implies, it is conducted on the mutual plan, and it has always shown a consideration for the best in- terests of its patrons. It was organized to carry on the business of fire insurance only. William Wilkinson and George Baker have been treasurers. George Larned and Joseph T. Snow were succes- sive secretaries. The present officers are Henry R. Barker, presi- dent, and Hardin C. Waters, secretary. The principal office of the- company is at 45 Westminster street, where it has been since 1870 .. For several years preceding that date it was at 20 North Main street,. in Aborn's Block. Previous to moving to that building it had been at Whipple's Building on College street. Still earlier it had its head- quarters in the Market House chambers. At last report its total as- sets were $191,074; liabilities, $83,810; income for the year. $45,121; outstanding risks, $18,700,296.
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HISTORY OF PROVIDENCE COUNTY.
The American Insurance Company was incorporated in 1831. It had a capital of $100,000, which, about 1869, was increased to $200,- 000. It has had the following presidents: William Olney, William Rhodes, Allen O. Peck, J. Halsey De Wolf. Successive secretaries have been: Allen O. Peck, Walker Humphrey, J. W. Davenport. W. U. Arnold, W. Humphrey, Resolved Waterman. The great Chicago fire, in 1871, involved this company in a loss of over $500,000, which was so great that the company settled up its affairs and retired from business.
The Manufacturers' Mutual Fire Insurance Company was incor- porated in 1835, and commenced business on the first of December of that year. Samuel Nightingale was its first president. He was sticceeded by John H. Ormsbee, about 1853, and the latter was fol- lowed in 1861 by Horatio Rogers, for two or three years. Henry H. Ormsbee, the present president, has held the office since 1863. Suc- cessive secretaries have been: John H. Ormsbee, to 1853; Horatio Rogers, 1853 to 1861: Henry H. Ormsbee, for two or three years; Leon Chappotin, 1863 for several years. William B. Burrington is the present secretary. The office of the company is in the Board of Trade building on Market Square. The gross assets of the company are $174,460.39. Its liabilities are $67,349.23; gross yearly income, $136.808.82.
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