The Northern Daily Times.
Liverpool, Merseyside, England, 1857-02-16 00:00:00

ADELPHI HOUSE, 21, BOLD STREET, LIVERPOOL.

IRON AND NAIL WAREHOUSE,
BECK WITH S TREE T, PARK LANE.
JOHN GIBBONS and CO. have ON SALE a well assorted STOCK of BAR, HOOP,
SHEET and ROD IRON, STEEL, Wrought and Cut NAILS, &c., Wholesale and Retail.

0 A L S.--BEST HOUSE COALS.
C, G00D....11s to 12s PER TON. I SUPERIOR .... 13s PER TON. I BEST .... I tis PER TON.
Discount for Ready Money, is in 20s.
B Y S. B. JACK SON.
32, DALE STREET, AND 21, MOSS STIPEET.

THE FORTY-FIRST ANNUAL REPORT OF THE
14l • 'iTD
-t-RPOOL PROVIDENT INSTITUTION, OR BANK FOR SAVINGS (Established 1815),
AND GOVERNMENT ANNUITY SOCIETY (ESTABLISHED 1834),
The Ba u• TO THE 20TH NOVEMBER, 1856.
11'. IS Open for Receipts and Payments on MONDAYS, TUESDAYS. WEDNESDAYS FRIDAYS, and
SATURDAYS, from 114 a.m., to 21, p.m.: and on SATURDAY EVENINGS, from 6 to 8, o'clock.

The •R; PATRONS.
„ght Honourable the EARL of DERBY, I The Worshipful the MAYOR of LIVERPOOL.
`"0 Right Honourable the EARL of SEFTON,

TRUSTEES.
The Rev. AUGUSTUS CAMPBELL, M.A., Rector.
GEORGE HALL LAWRENCE, Esq.,
• I
EDWARD GIBBON, Esq ,
ALFRED NORTH, Esq, JAMES ASPINALL TOBIN, Esq.
MANAGERS.
Ito.
IL r),:„BANISTER, J. DRINKWATER, Esq., Rev. J. B. MONK,
It '''-'II)INER, Esc! E. GIBBON, Eq., A. NORTH, Esq.,
.ev,.: r. B. BANNER,
1., IJOURNE, Esq., Rev. T. HORNBY, ! Rev. J. NORTH,
T. D. HORNBY, Esq., J. A. TINNE, E‘q.,
:eV. A. CAMPBELL, W. LANGTON, Esq. • J. A. TOBIN, Esq.,
I'. P. CAMPBELL, Esq., G. 11. LAWRENCE, 'Esq., Rev. G. W. WARR,
A U D I TOR S:—ALFRED NORTH, Esq., and the Rev. J. B. MONK.
(TREASURERS:—Messrs. A. HEYWOOD, SONS, & CO.
R. LAWTON, Acitranr.

REPORT.
la
Plat
4, Presenting the Forty-First Annual Report to the Depositors, the Trustees and Managers would wish to observe,
Zrran' a Aleeting held at the Savings' Bank, on the sth November, 1855, they considered it expedient to make new
tte Dements for the management, in order to extend the usefulness of the Savings' Bank in giving larger facilities to
4La'"()Positors ; they, therefore, determined to Open the Bank every day (except Thursday), from 101 to 2.6 o'clock,
l(„,t
el On Saturday Evening from 6to 8 o'clock. A new system of book-keeping, and an improved mode of management,
aintilr b
Y experience in other places, was adopted, and the Bank commenced under the new arrangement on the let
3', 1856.
tlle 4he ltowing is the result of its operations during the past year, exclusive of the Branch Banks connected with
Zustit

7 665 New Accounts have been opened during the year, and cash received on 35,707
Deposits amounting to £205,221 188 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.
A In ,
Increase of Accounts for the year ending 20th November, 1856.
ceou -.Enparing the above with the operations of the Bank for the year 1855, during which the number of New
tb° etlats4,oo'l, it appears that there has been an increase in number of Now Accounts opened and renewed for
is tie ending 20th November 1856, of 3,614 ; increase in number of Deposits 20,321, and in Amount £23,800 9s 10d ;
7,6.lZnients an increase of dosed Accounts of 1,129 ; and an increase of Repayments on Accounts remaining Open
44:hatita,,,,_It is most gratifying to the Trustees and Managers to observe that the Depositors have appreciated the
ceatint4.nt'.B thus extended to them, and that they avail themselves of its benefits, by the large increase of New
o'- ptrh In the last year.
The Savings' Bank now affords to the working Classes the most ample facilities. It receives sums as low as One
eloat a time, and is Open Daily (except Thursday), from 101 to 21 o'clock, and on Saturday Evening from 6 to
___•eneiving and paying money.

'4lB f r„, THE YEAR ENDING THE 20TH NOVEMBER, 1856.
j'ap!f9t,hesc?cen4e6raalnSilarteetrnurennetdotfothteheFNunat onfatihi3eSbatvoinitsc'eßwltUno banfiellwedeeukps,!Dresrutairliet
20th Nov.,
,G1e805.61,V., and
Lr pursuant to 7th and Bth Victoria, cap 83, sec. 13.

- - To ii
.4, a. d.
i alaoce 1"' CHARGE.
Tuteludin dne on the 2,lth November, 18551 719 432 16 7
t Siloi, re Interest as per last Retarn • • • • • i 71J,
.1, ndi.,g
,ncived from Dcposi ors within the year} 2f5,221 18 2
'rest9sili'v h November. 1856 ... ...
p, ther„to On Sionies invested with the Commis-
li,`elDt 13 !,the Reduction of the National Debt, vii ,t_teiot „: nated 21st May, 1856 .... •
... 11.378 15 11
`, lnt,r4taated 21st Nivembsr, 1&56 .... 11,681 6 5
Toil%
erne
,en Sums drawn for by the Trustees 1 , 94 2 2
Inter - 'nrrunissioners within the Laid year.. J r:---.^
"t 411°vv'•d by Local Bankers ..

DISCHARGE. 4' s. d.
By sums actuary pa'd to Depositors In Money,
including Interest within the the year ending 199,014 9 3
20th November, 1856 ..
By Sums actually paid for Management within the
said year, viz.:—
Salaries
Donations to Officers
Taxes and Insurance
Printing and Stationery
Local Bankers' Commission, &c ....
Law Expenses
SunArics, in detal:—
Repairs, Coals, Gas, Postage,. &c., &c............. 116 15 3
Additions ar d Alterations to Premises, &c.
Allowed towards the Management of Branch Batas 1 X 72 11 10
connected with this Institution • • •••• • 3
Public Accountant's Charges for Inspection of 1
Accounts, "Two Years' Stipend," and Extra 176 16 0
Audit. caused by change of system
Balance on the General Account X a. d.
invented with the Commission-
ers for the Reduction of the 737,083 11 1
National Dehr,includir a. Inter-
est, on the 20th Nov.. 1856.... 1
Ditto on Account of the Separate
Surplus Fund invested with the 1 14.725:10 2
Said ~ onimissioners
Ditto in the hands of Arthur
Heywood, :•:ens, and Co., . .
3,179 6 8
Treasurers, which fact is
hereby certified ....

754,988 711
ARTHUR HEYWOOD, SONS, & CO.
X 947,849 1 7

45'947,649 1 7

•Ii 1 lii------- 1
'le APOI
itll alai, tEGOING ACCOUNT IS TO BE. ACCOMPANIED BY THE FOLLOWING STATEMENT.
0-°. or -'" on the 20th November, 1856, brought forward , £754,988 7 11
;Po it
' ..%s2 ors. Total Amount
CLASSIFICATION OF ACCOUNTS. of each Class.
not Whose respective Balances on the 20th November, 1856, including interest, did
' tat,,2 Ipeed 41 each
'5
,1:1.1 /4tto3 were above £l, and did not exceed
£l04-.
1f,4 .I)itto°' „ £5 ff
NG bittn: /I £ !bp ” £l 5
£2O
”
''2
I)itt°- ',', 11:'2150, 1017 bitty' ft £3O
' 1891 l)'t , £3O, £4O
1 to f p Of
$67 llirr £SO
ni „ £4O, ”
sthb,itt°-' „ £5O, .
,o, £75
p, 47, Ili to' IP £75, 1,, 4-'lOO 77,332 17 9
` 49‘' Ditty, 1, £100,... £125 64,755 6 6
_ bit,_ ,„ . kl2a, ~ £l5O 50,532 16 2
m Litt''', £l5O, £2OO 63,906 18 2
i:,,cee, ”
ding £2OO 8,944 14 6
420
pr.
---
.
,101 e°, tai Number of Depositors 684,201 17 10
.5...„.'..!.1, prlteritable Societies
8 tidlY Societies . 50,048 13 9
1,41. 2 TGt
__________
'nee al number of Accounts. Total Balances 739,484 3
20th I'N,Bted with the Commissioners on the Separate Surplus Fund Account, on the
14,725 10 2
oVeMber, 1856 ,

------ 7.54,210 3 5

L.,,
7 e•,the portion Surplus.
:77874 6
u ,
A 11, 9). 9, on thereof reserved to meet current Expenses, as directed per 23rd, sec. 9th, Geo. IV,
tti titi:4t.:;4riereby
qi.e ie 0, ,4 ..........
certify to the 'Commissioners for the Reduction of the National Debf,.that.t he foregoing is a true
s'll4lllaevn),,d We further certify that a Duplicate of this Statement, accompanied by a List of Trustees. and Managers
:-, ably reee-iv4e9titution, is publicly affixed in the office or Place whero the Deposits of the abevo Savings' Banks are
.Wittless ?,,fOr the information of all persens mi.king.deposits. therein.
4esE,..X. uands, this 14th day of January, 185$ (Signed) ALFRED NORTH, 1 Trustee.
4t LAWTON, ACTUARY. ... J. B. MONK, i Manager.
..., -

776 4 6