The Northern Daily Times.
Liverpool, Merseyside, England, 1857-02-12 00:00:00

ADELPHI HOUSE, 2 1 , BOLD STREET, LIVERPOOL.

IRON AND NAIL WAREHOUSE,
B E C K WITH S TREE T, PARK LANE.
JOHN
,GIF.A3ONS and CO. have ON SALE a well assorted STOCK of BAR, HOOP,
SHEET., and ROD IRON, STEEL, Wrought and Out NAILS, &c., Wholesale and Retail.

C 0 A L S.-BEST TIO•USE COALS.
(GOOD ...ells to 12s PER TON. I SUPERIOR.... 13s PER TON. I BEST__ )5s PER TON.
Discount for Ready Morey, is in 20s.
BY S. B. JACKSON.
32, DALE STREET, AND 21, MOSS STREET.

THE FORTY-FIRST ANNUAL REPORT OF THE •
LIVERPOOL PROVIDENT INSTITUTION. on BANK FOR SAVINGS (Established 1815),
AND GOVERNMENT ANNUITY SOCIETY (ESTABLISHED 1834),
TO THE 20Th NOVEMBER, 1856.
The Bank is Open for Receipts and• Payments on MONDAYS, TUE4DAYS, WEDNESDAY-1, FRIDAYS, and
- - SATURDAYS,,from pai a.m., to 21 p.m.: and on SATURDAY EVENINGS, from 6to 8 o'clock.

PATR
The Right Honourable the EARL of DERBY,
The Right Honourable the EARL of SEFTON,

0 N S.

The Worshipful the MAYOR of LIVERPOOL.

TRUSTEES.
The Rev. AUGUST US CAMPBELL, M.A., Rector,
GEORGE HALL LAWRENCE, Esq,, EDWARD GIBBON, Esq ,
ALFRED NORTH, Esq , JAMES ASPINALL TOBIN, Esq.
•
MANAGERS.
H.
W. BANISTER. J. DRINK WATER, Esq., Rev. J. B. MONK,
BANNER, Esq E. GIBBON, E q., A. NORTH, Esq.,
Rev.„ r. B. BANNER,S Rev. T. HORNBY, !'.! Rev. J. NORTH,
Vin°
BOURNE, Esq., T. D. HORNBY, Esq., J. A. TINNE, Esq.,
rY.: A. CAMPBELL, W. LANGT ON, Esq., J. A. TOBIN, Esq.,
"• 1-. CAMPBELL, Esq.. G. Ti. LAWRENCE, Esq., Rev. G. W. WARR,
A UD I T OR S:—ALFRED NORTH, Esq., and the Rev. J. B. MONK.
iTREASURERS:—Messrs. A. EEYWOOD, SONS, 8.-. CO.
R. LAWTON, ACTUARY.

REPORT.
In presenting the Forty-First Annualßeport to the Depositors, the Trustees and Managers would wish to observe, that at a Meeting held at the Savings' Bank, on the sth November, 1855, they considered it expedient to make new
arr
the angements for the management, in order to extend the usefulness of the Savings' Bank in giving larger facilities to
Depositors ; they, therefore, determined to Open the Bank every day (except Thursday), from 1(4 to 2/t o'clock,
on Saturday Evening from 6to 8 o'clock. A new system of book-keeping, and an improved mode of management,
~.,ested by experience in other places, was adopted, and the Bank commenced under the new arrangement on the Ist
anuary, 1856.
4, The following is the result of its operations during the past year, exclusive of the Branch Banks connected with
the Institution :

7 665 New Accounts have been opened during the year, and cash received on 35,707
Deposits amounting to £205,221 18s 2d.
5,168 Accounts have been closed during the year, and the money paid out, including
- 16,627 Repayments on Accounts remaining Open, amounting to £190,014 9s 3d.
2,497 Increase of Accounts for the year ending 20th November, 1856.
lisp,. In Comparing the above with the operations of the Bank for the year 1855, during which the number of New
th was 4,031, it appears that there has been an increase in number of New Accounts opened and renewed for
in ',Thar eliding 20th November, 1856, of 3,614 ; increase in number of Deposits 20,321, and in Amount £23,800 98 10d;
or .;tc:Plyments an increase of Closed Accounts of 1,129; and an increase of Repayments on Accounts remaining Open
ad:'°3o- It is most gratifying to the Trustees and Managers to observe that the Depositors have appreciated the
A._antages thus extended to them, and that they avail themselves of its benefits, Ly the large increase of New
',counts in the last year.
shijhe Savings' Bank now affords to the working Classes the most ample facilities. It receives sums as low as One
o,_':ng:at a time, and is Open Daily (except Thursday), from to 21- o'clock, and on Saturday Evening from 6to
cioek for receiving and paying money.

THE YEAR ENDING THE 20TH NOVEMBER, 1856.
forte of the General Statement of the Funds of the Savings' Bank to be filled up, pursuant to the 9th Geo. IV., and
cap. 92, sec. 46, and returned to the National Debt Ofticc., within nine weeks after the 20th Nov., 1856,
pursuant to 7th and Bth Victoria, cap e 3, sec. 13.


The TRUSTEES of the SAVINGS BANK, Established at LIVKIEPOIL, in the County of LANCASTER. Crs

DISCHARGE. X s. d.
By sums actual'y pa .d to Depositors In Money,
inciuding Interest within the the year ending 190,014 9 a
20th November, 1856 ..JJJ
B' Sums actually paid for Management within the
said year, viz.:—
Salaries
Donations to Officers
Taxes and Insurance .. 24 11 4
Printing and Stationery
Local Bankers' Commission, c 170 15 9
Law Expensis
Sun6rifs, in detal
Repairs, Coals, Gas, Postages. &c., &c..... 116 15 3
Additions and Alterations to Premises, tke.
Allowed towards the Management of Branch Bants
72 11 10
connected with this Institution ...
Pubic Accountant's Charges for Inspection of 1
Accounts, "Two Years' Stipend," and Extra 176 16 0
Au It. caused by change of system
Balance on the General Account £ a. d.
in-e,ted with the Commission-
ers for the Reduction of the 737,083 11 I
National Deht,includirg
est, on the 20th Nov., 1856.
Ditto on Account of the Separate)
Surplus Fund invested with the 14,725_10 2
said Commissioners
Ditto in the hands of Arthur
Heywood, :tens, and Co.,
Treasurers, which fact is 4,179 6 8
hereby certifiel
-- I ARTHUR HEYWOOD, SONS, St

TO to CHARGE. £ s. d.
. ',alone. due on the 2,/th November, 18551
lee, A. -
i 719,432 16 7 'l'o ~'"lng Interest as per last Return .....
~.rns received from Deposi' ors within the year}
2(5,221 18 2
I,oldhig 201 November, 1856.......
nterest on Monies invested with the Commis-
AZ;cr,ers for the Reduction of th:. National Debt, viz :
it:`,:e!Pt B, dated 21st May, 1856 .... ......
rr.,:' `Dt B. dated 21st November, If 58 11,681 6 5
- Interest CO Sums drawn for by the Trustees} !_.„... , T:pon the Commissioners within the Laid year.. I - 94 2 2
• 41tereat aILAVLd by Local Bankers .. .. 4O 2 4

.t'947,649 1 7

754.989 7 11

JE917,843 1 7

IRE
• The ~,, AFOREGOING ACCOUNT IS TO BE ACCOMPANIED BY THE FOLLOWING STATEMENT.
I,72bialance on the 20th November, 1856, brought forward ., £754,988 7 11
• rje'lu• of
Total Amount
48esitors. CLASSIFICATION OF ACCOUNTS. of each Class.
T.,2, Whose respective Balances on the 20th November, 1e.56, including Interest, did •
—°‘ exceed .t 1 each 835,£624 5 9
23..4:3,,...2
Ditto,
were above £l, and did not exceed £5
'O4 Ditto, £5, ~ £lO
91
JO £lO, , 9 £l 5
*7 Ditto, £l5, £2O
91, t 2 '
'446 Ditto, tf £2O, £3O
‘;‘,27 Ditto £3O, £4O
1t97V4 Ditto,' ft f t
-u £4O, £SO
Ditto, ft
tt £5O, f f
' £75
1,
bi £7s, tf f 4'loo 77,332 17 9
5t43 Ditto, f P
ut° £lOO, £125 64,755 6 6
' 373 1):tt ' .1' £l5O 50,532 16 2
£125, f f 492 Ditto°' • " £2OO b3,906 18 2
44 b. , ~ £l5O, ~
-....,...... at o 4 exceeding £2OO
2920 ---
101 Total. Number of Depositors .................................................................... 684r,F01 17 10
261 Charitable Societies
"--,----„,: Friendly Societies ............................ ........
2,
ilituit2 Total number of Accounts. Total Balances 739,484 13 3
' 'lee Invested with the Commissioners on the Separate Surplus Fund Account, on the
20th November, 1856 • 14,725 10 2
~

--:---- 754,210 3 5

778 4 6

boR •
-"net th Surplus.
„ap e 9 portion thereof reserved to meet current Expenses, as directed per 23rd, sec. 9th, Geo. IV,
v,
778E4 6
.11(!eoimee.do hereby certify to the ".. " Commissioners....... the Reduction of the National Debt, that the foregoing is a true
~f aboveaffix Institution, is Publiclyed in the office or place where the Deposits of the above Savings' Banks are
w'iZceive, for the intormation of all persons making:deposits therein.
Witltss cur hands, this 14th day of January, 1857 (Signed) Trustee.
ALFRED NORTH,
mess—R. LAW ' TON, ACTUARY. J. B. MONK, Manager.