The Sun.
London, England, 1855-11-20 00:00:00

THE SUN, LONDON, TUESDAY EVENING
_NOVEMBER 20, 1855.

POLICE INTELLIGENCE—Nov. 19- ! exterior ar)d good ad,lreei, wAs br,ur!ht up in the felon„,'
dock, before Mi. Yardley, oo tilt b,g

charge .
Mr. J. P. Mumford, superintendent of the St. Kathe-
rine Dock Company's own police, stated that he met the
prisoner on one of the dock quays on Saturday after-
noon, with a wharfinger named Keene, and whom the
prisoner was abusing. He asked what was the matter,
and the prisoner, who was in a great passion, talked
loudly at Mr. Keene, who said the prisoner had been
very insolent to him and threatened him. He tsld Mr.
Keene that the prisoner was not so drunk that he could
take official notice of him, and advi-ed him to pay him
off and discharge him. He also directed a watchman
named Kerr to see the prisoner out of the dock, but
knowing that Kerr was a weak and elderly man as corn-
pared with the prisoner, he accompanied them to the
dock gte, and saw the prisoner go out. Directly after-
wards the prisoner said that Keene had interfered with
him, and prevented him getting a job on board ship,
and he would be revenged on him. Mr. Mumf -rd
added his official duties then compelled him to leave the
prisoner, who had nearly killed James Kerr, the watch-
man, and attempted to stab several other persons.
Thomas Tribe, gatekeeper of St. Katherine Dock,
said that after the prisoner was put out of the dock, he
said " I will go in again," and made a good deal of
noise. Witness desired him to go away, and he raid
he would not, and that he would have his re-
venge on Mr. Wharfinger, as he termed Mr. Keene,
and that he would do for him. A. police-constable
was called, who prevented the prisoner entering the
dock again. The prisoner then asked a carman to
lend him a knife. The carman said he -had not got
one, and the prisoner then went away and proceeded to
tne Marquis of Granby Tavern, adjoining St. Katherine
Dock stairs, and procured a knife.
Mr. Yardley—Well, what did he do with it ?
Witness—He ran at me with the knife, and Kerr,
the watchman, prevented him stabbing me. He took
the truncheon from Kerr's band, and struck him a
dreadful blow on the head with it, and Kerr fell back-
wards as if be was dead.
Police-constable 65 H said that when the prisoner re-
turned with the knife he made a dash at witness, and he
narrowly escaped being murdered. The knife caught
his uniform coat, and got entangled with it. The pri-
soner then knocked him down with the truncheon he had
taken from Kerr, and disabled him.
Mr. Mumford here stated that he had witnesses to prove
that the prisoner not only borrowed the knife at the Mar-
quis of Granby Tavern, but sharpened it and used threats
signifying that be intended to murder the wharfiuger.
The watchman Kerr had received two cuts, and was not
expected to live.
The prisoner, in defence, said he borrowed the knife
for the purpose of cutting some bread and meat, and not
with the intention of doing any harm to any one.
Mr. Mumford—l can assure your worship the watch-
man, Kerr, is likely to die of the wounds he has re-

ceived.
Mr. Yardley remanded the priwoner for a week.

Colchester
Harwich 317
Leigh
naldou 12329

152;.

+-

•
26?,

805) -
'1.267 52
25

KIRKCALDY—Nov. 17.

1-080

We had a fair supply of grain, and sales quick for every
kind. Wheat and barley la per qr. dearer, and oats nearly
2s higher.

Wheat. Barley. I Oats. I Beans.
I First 92s Od 47s 01 36s Od I Os Od
Second 9os Od I 45s Od 33. Od Os Od
Third B6s Od I 38s Od p 29s Od I Os Od

COAL MA RKE
Nioes of Coal per ton at t'

d.
Bate's West Hartley 17 6
Byass's West Hartley 18 SI
Cain's Hartley lB 3

West Hartlepool l7 6,1

Aolywell

_l9 U

Howard's West Hartley

Netherton

.7.13 3'

Longridge's Wet Hartley 18 3
North Percy Hartley _l7
Tanfield Moor l7 9'

'.—Nov. 19.
Le close of the market.

Taufield Moor Butes 17 9
West Riding Hartley _l7 3
Grey's West Hartley l7
Wood's Hartley 17 0
Wallseud,
Acorn Close
Gosforth

„.20 6
„.19

Heaton
Hedley
Hotspur
Lawson ..
Morrison

Wallsend, ko.

•
Bell's Primrose 16 0

Belmont 20 9 Ous
.iraddyll 2l 6
Eden Main 21 3
Bell 20 3
Framwellgate
Haswell 23 3

..19
.1g
~,19
~.19 61

Northumberland lB

Riddell

_l9 9

Trinidon Hartlepool 22 CI
Ships at market... 19'.

111 etton 22 3
Kepler 21 6
K.epier Grange 21 6
Lambton 21 9
Plummer 2O 0
Russell's Hetton 21 0
South Hetton, 22 0
Stewart's 22 3
Caradoc
Cassop 2l 6
Hartlepool 22
Hough Hall 29 6
Kelloe 21 6
South Kelloe 21 $
Tees 22 3
Whitworth l9 0
Derwentwater Hartley 17 9
3 I Sold

SEABORNE MAILS.

(IT signifies that the mails are sent from the General Post °Moo
By the night—and M by the morning—despatch.)

Day wh.rtmart,,i rsete wt„
in General P.m. Port due ,u
Office, London.' Dispe.tchoil. England
A merica(byltrit.pack)N Every Friday -. • • Liverpool
&metier,. (by United St?.
packet) .
N ..• • • • Liverpool ... NOV.
America (by U. State.
*packet) N .. • • ~,••• • • Southamptoi
&astral= (via South-
ampton) M —• • • • • • • Southampto,
Ditto (via Marseilles) N ...... • •• • Dover •.
Ditto (via Cape of Good'
Hope) N ..• Traced
Africa (West Coast) N 23d of the month Plymouth . Dec. 45
A.;exandria...• • N I, 9, 94, & 30 of Tn. Dever
Alexandria_ „ M 4th & 20th of moo.
Southampto:.
Bahamas m 17th of the moot! Southamptor
Belgium ......... •••••• • • •• • • Dover
Brazil 9th ooff thethe m
mouth..onth.. Ssoonuththeammplittool. Dec. 1b
115,
Buenos Ayres M 9th
Cape of Good Hope ..N Various port jUncertain
Cape of Good Hope .. N !
(-Jape de Verde 9th of the month Southampto: Dec. 15
Ceylon (see India)
Ceylon ............ ..N
Channel 151e5.... ~..N MOll..Wed.,&F riA. Southamp`o* Tat.Th.F 4;.
Nt 2d Sc 17th of mont- sjouthampt.)l ,
China . Once a =oath.... Deo. 4
Constantinople ......N ;8,13,16,23A:1s am Dover
Constantinople 4th & 20th of mon. Southampto:,
Cont. of Europe M & N Twice daily ...... Dover ...... Twic.4ll4/1.1
Egypt (see India)
France ........ M & NlTwiee dai1y...... Dover • Twicede,:-
Gibraltar ..........M,4, 7, 17,20, 27 ef m Southampton
Greece (see India)
Greytown & 17th of mon.;Southampton
Hamburgh ..........N Tuesday & Friday London
Havrumah ..........Ml2nd of the month Southampton Dee. 1.
Flolland •• .• . • ••• • • • 51; DallY• • •• • • . • • . • • Dover ..• •• .• Daily
Honduras ..........M,l7th of the month. Southampton 16thohnOn
India (viaSouthampt.)Ml4lll k 20th of mon. Plymouth .. Nov. 20
India (via Marseilles)sl,9thk 25th of month Dover ......
lonian Isles (see India)l7, 17, &27 of mon Dover.... ;
Ireland ........M & N Twice daily ... ... Holyhead ...ITwieedalL
Lisbon ...... _34 7, 9. 17, & 27 of m. Southaraptoracov. 25
Madeira 9th of the month Southampton
Madeira ~N 23d of month •• Liverpool
Malta (see India)
Malta B, is, &28 of mon. Dover . - No% 50
Mauritius (see India)
Mauritius N 14th of the monti.
Mexico ,2nd of the month..lsouthlumpthl Dm 1
Naples.. , „ N Isthllsth2sthofrnon.lDover
New Granada A. 2:lk 17th of monthlSouthamptolil
New Zealand.. ; IBy private al 1p ..IVarious port. Unemn
Papal states it-• ,15thl5th25thofmon.;Dover
Peninsula '7thl7th27thotlnon.lBouthampton
Peru . & 27th of mon.! Southampton
Port Natal BY private ship... Various ports Uneertat
Sicily ,„ „...........ysthisth2sthofmon,lDever
Tuscany .„.........Nlsthl6th2stholinon. Dover ......
Venezuela al 2d t 17th of month Southampton ;
l 1 k 16 men
Van Diemen's Land (se, I
Australia) ..
West Indies 2d ,t 17th c.. mont•ittouthamptoo'l k 16 mOll

:1&16mon

When any of these late, fall ou a Sanda,i, chc mails dc.
patched on the following day, with the exception of the • (T's
Southampton),and the %falta, both of which will be desnA.,,, • e
prncecling da

SHARE MARKETS.

LIVERPOOL, Noy. 19.

STOCK EXCHANGE.—The tone of the market has been
quiet to-day, at a slight improvement in the value of the
leading stocks over the prices of Saturday. Edinburgh
and Glasgow, NA—Manchester, Sheffield, sad Lincoln, 214
Caledonians, 28-:-Lancashire and Yorkshire, 74i—South
Eastern, 16.18.9., I—Midland, 624—Great Western, 494
9—Manchester, Shef., and Lincoln, 6 per cent., 12;.

--=-r.=
: "-: • - • .
•... ;-, .. - • ,
As.
. , .
•
UNITY JOINT-STOCK-- MUTUAL BANK-
ING ASSOCIATION.
PRINCIPAL OFFICES.
Unity Buildings, a and 10, Cannon-street, City.
LEICESTER-84U4aX BRANCH.
1, New Coventry-street, Leicester:square.
4 CLOSING OF THE- SHARE LIST.
. tThe directors are happy to minimum that, in consequence
the large number of shares that have been - allotted and
13aid upon, the share list will be closed on Friday, the 30th
November, after which date no applications will-be received.
Arrangements have been made which will enable the bank
to commence business early in January next.
This bank, to be incorporated by royal charter, is estab-
isked for the pm-pose of founding the principle of MUTUAL
13ANKING, whereby customers, who create the profits, be-
come entitled to a participation in them, by way of interest
On their cash balances. The principle of mutuality has been
for many years 'acted on by insurance companies, and their
.4,°11c3,-holclers have paiticipated to a very great extent in
To bonuses, with much advantage to the institutions and the
luoreholders, By banks; however, to this period, MOTU-
;A.LITNr. has been neglected. The whole of the profits result-
:2le from successful operations have been given to the share-
'4o ere only.
ADVANTAGES OFFERED BY THE UNITY BANK.
- I. To shareholders, 5 per cent., from the date of payment,
On all paid-up capital, as well as 50 per cent. of the profits.
11, To customers; in addition to the ordinary amount paid
01l deposit and current accounts, interest on their cash 'ba-
lances, equivalent to 50 per cent. of the profits.
..... This is the plan on which the UNITY JOINT STOCK MUTUAL
2AXXINCI ASSOCIATION is established. By it is created, for the
"I'st time, an identification of interest between the customers
'and shareholders of the bank, who thus become mutually con-
'corned in the extension of its business. It will be the means
of
fo,opening up nsw business, preserving a connection once
, ' ed, and prOductive of practical benefits to the public
aerAerally.
CONDITION OF LONDON JOINT STOCK BANKS.
The success ofjoint stock banks in London is readily ad-
mitted, as well as proved by the statements periodically
'"tted by those great commercial institutions. In support
of this, the following table is submitted, showing the condi-
,tion of each of the six metropolitan joint stock banks which
1 the
published accounts, the. original cost of the shares,
tue
I
,ei
re r Present market value, and the dividends payable
on ; • ~.,
, .........
, ...: •
0 , v
...-• -,.- Z .5. 6 -a
lisms (1 BANS. .=. 4 .1--.' ".4 =47 .- 0.- v: cv L 445 .5'
J " 73 t,?s. a°- e, ° - ..
... ~ g -,. e T., al
ik
• a 1" g Ei
tondo,
L,,.... and Iv estminsl er 1834 1,000,000 20 47 161 5:
, ,(7:1 /Joint Stock ...... • • 1836 600,000 10 32% 25 1 Z
s r;;;;Vßank of London 1839 422,900 10 30 20
..I,L),
co„._oun3erclal Bk and County ...
1839 394,135 20 393 12 . ...t.
it. of London 1840 300,000 20 31 10 I ~Q.
visa British Bank lB4O 100,000 50 • • 6J I.'
..._

peen
the
rgh
214
puth
494

nut
ing.
itto
and

day.
2t

Y.-

9 2
9 10
2 3
8 7

S re.
1 $
7 11

4 5

a re-
-8 6
5 2

3 4

don.

k B.

wnt'r•

fe of

Ere-
hugh-
ranty

seals,
loond

t, W.
city,

John

l this
gun-
s Re-
tuffs),
Han-

garet,
M.G.
Hard,

The above banks publish the followinT facts with regard
to their positions :—•
The entire ltnonnt of subscribed capital in the six joint-
banks in London is 12,704,2001.
The amount thereof paid up is 2,817,0351.
o.". 1-1. The amount of deposits, or customers' balances, is
LVv, The total number of shareholders is 4,097.
. The number of shares issued, 187,084.
CThus is presented proof of known security, extent of bus:-
' and general• fit ancial resources. These establishments
f -4( half-Yearly meetings and lay beforo their connections
coil accounta of their proo:ress and general operations. This
cannot fail in inspiringa with confidence all who have
khZa_u;e,lings with thorn; while it gives to the public the
IlsTrU 4 of forming an opinion as to their responsibility.
411;eRrisEpprAorSED VALUE OF JOINT-STOCK BANK SHARES.
poveredautpoordveismiuonn,stargirodns., that joint-stock baanndkiunng:
a most legitimate
ks 11
Y profitable. field for the investment of capital. The
De,..'"encis paid by the banks above quoted vary from 6 to 25
11:-;,,cent- and the latest quotations of their shares show an
,-;°4" o'f 55 to 225 per cent. on their paid-up capital The
b.r"a, increase, however, in the value of the shares may be bet-
gir by the fact that the paid-up capital of these
"anks is 2,817,0351., and that its present market value is
.012,116 i.
It has thus increased two-and-a-half fold, so that
of I& has now become 21. 10s., and there is every prospect
this amount continuing to increase in value.
COURT OF DIRECTORS OF THE UNITY BANK,
J. GOVERNOR.
WIT,r,. • GOVERNOR.
Esq., Tiptree Hall, Kelvedon, Essex.
A. 31 JOSEPH BRUCE, Esq., 16, Duke-street, West-
q.--?ister, and 4a, Hyde-park-place, Cumberland-gate.
r'•
Bedford-row.
3treet, EYRE, Esq. (Messrs. Trinder and Eyre), 1, John-
0M
-`4AS CARLYLE HAYWARD, Esq. (Messrs. Hayward
Ittran,t,B°ns), 93, Minories ; and 3, Highbury-park North.
ItoiiielltH,sEpNarßlY. STONES, LL.B., 33, Nottingham-place,
~r+RT
MAS GARLAND, Esq., Thames-chamber, York-build-
Adelphi, and Belfiore-lodge, Highbury. BAYLIS, Esq., Cannon-street, City; and 4,
1)- ottinghamerraco, York-gate, Regent's-park.
~,LLOYD, 4, Suffolk-place, Pall-mall. 'IiERT
Elj°l4'" JAMES SNAPE, Esq,, 2, Stone-buildings, -Lin-
ion.
iIWARD GOULD BRADLEY, Esq., Heathland-lodge,
14Jatalastead.
te,.._°ll' MARTIN MULKERN, Ightfield-house, Alsop-
"'ace, Regent's-park.
BANKERS.
LONDON AND WESTMINSTER BANK.
/110 u. SOLICITOR.
TAYLOE, Esq., 27a., Bucklersbury, London.
BROKERS.
--rik R. and J. SUTTON, 22, Royal Exchange, London.
GENERAL MANAGER.
• GEORGE CHAMBERS, Esq.
(from Messrs. Barnett, Hoare, and Co.)
SECRETARY.
Each
HENRY LAKE, Ese,
f
for two of
the directors is duly qualified, having subscribed
as. "enty shares, and paid the deposit of 1,00 N., in accord-
-14 With the deed of settlement.
NEW PRINCIPLE INTRODUCED BY THE UNITY
ga.ding the distinctive n B ApriKciple of the Unity Bank, it
t‘roe '3" suggested that there must be a detraction from the
81,e to of the shareholders, by reason of 50 per cent. being
to the customers of the bank. This idea can only have
however, from the want of a careful consideration of
rue_ subject. In the first place, it are derive
to
le krealb r from whom the profits of a bank are derive : Ti 7
eat Ept Made from the sharp capital. The very first ingredi-
Or ur the formation of profits is a customer. Tho amounti
kaati.oat must, therefore be governed by the amount of
it
-
Prohnsacted ; and the larger the business. provided it be
ocir,`,s-ril conducted, the larger will be the profits.. It must be
tly,'° in mind, also, thatthe real extent of the dividends must
!tehvtezld on the number of cents. of profits, and that 50 per
be f; of the profits, extending over large transactions, may
ecr.‘r greater than 100 per cent. derived from more circum-
ttite
business. If, then, the customers of a bank consti-
thel "8 Profits, the customers should be induced to transact
are business with the bank, and thereby the profits of the
l'tbe !holder, instead of being reduced, will bo augmented.
stieblll„chl,ceraent held out to the customer, however, should be
ag, It uloes not involve or complicate the business of bank-
triodmi saOnld not be by the promise of some peculiar accom-
tlr 2)-1, or some particular.and increased rate of interest,
bak‘ol departure from that sound system of joint-stock
Itrocui4t which has stood the test of years of experience, and
tke so great prosperity. But it should be, as it is in
'With 411 Y Bank an advantage which interferes in no degree
that 68,tahlished principles, but merely allocates a portion of
Itave.T;lich has already been' declared to be profit to those who
eostoe"
,„ the makers of it. Assurance companies have been
Zed to apportion certain of their profits, by way of
their assurers • and so general has become the
thi
aeaa,.-' of the right oethe assurer to this participation, that
se, -.44c0 association would now bo established without
`4 the ' ential to success. The justice of the principle consists
the, —that as the assurers make the profits of the company,
kir,"ght to be participators in its prosperity. What is
ku,4041 assurance will be found just also in banking. The
tigh)erB ef a bank make the profits of the bank, and they
It basso to be participators in its prosperity.
i)" been asserted, also, that the 50 per cent. of the pro-
troota°Dosed to be divided, while it would detract from the
tiN „„ ?f its shareholders would be but a trifling benefit to
b-e'lls'orners. It might, in the first place, be replied that
rtutte i*f is considerkl " trifling" by those who rightly esti-
on tr,P6coniary affairs ; that the benefit, if trifling, is in addi-
Joint " sal the other benefits usually derived by banking at a
the atock bank ; and that no correct data can be formed of
bet. °4s which will be made, On the other hand, it must
lig "nlenabered that hitherto ersons have taken their bank-
Nl:2count where personal feeling, accommodation, or con-
AtlBal3. i.,le,e of locality might lead them. Now, fora the first time,
.7_14 introduction of the principle of mutuality, self-interest
Vealed to. And when, to the large number of the public
or etedby this all-powerful stimulus, is added the number
tsconnections of the Unity Insurance Associations in all
,e 4 of the country, who have a peculiar identification with
interest in its success, it may fairly be stated, that ante-
Naztet data are not sufficient to form an estimate of the a*
,;tges which both the shareholders and customers will
en7l'e from the Unity Bank.
bre-dr:4f difficulty exists in estimating the effects likely to be
katbr-ee'l bY the establishment of this new and most desirable
Ist „„-r? in banking. It is' one that must become highly popu-
every commercial interest, and with every class of
tbetthlic, because its simplicity and advantages are at once
Tr, sec,
and appreciated.
4140,;:daose great commercial bodies which are compelled to
Aro, t4tge cash balances constantly at their bankers', it will
1%1,0 to be a serious consideration, and a most important
tie of profit. The railway, dock, gas, water, steam navi-
teet,,tl, insurance, and other companies, professional men,
Irl4,..enants, brokers, gentlemen of fortune, and traders of all
Area, will duly estimate the difference in the system now
kteited, from that heretofore existing. In finemill prove into banks became a public necessity, as is now , s
nit IP° Princi le of mutuality—whereby these admirable in-
inay Plie rendered still more serviceable to the public,
vllatte-°, way less safe—demand the best consideration of the
ay at large.
411 the usual
TO BEU UNDERTAKEN.
bTe undertaken ;
and.
krat, c usual business of banking will the ,genaents will be made for extending the transactions of
4.4,m, •
m every desirable quarter.
the 3ftnftelvr ACCOUNTS will be made up half-yearly, namely—to
be silo Juno and the 31st of December, and interest will
"uut at the rate of 21. per cent. on them.
ktest Acc,ouyrs.—With respect to these, the rate of in-
Moteranii"ved on money placed at seven days' notice will
.be
t,,,-,-e,nt. under the rate of discount on first class bills
babit the Bank of England, regulated thereby. The
tool, '","I give receipts for the sums so deposited, or, for the
'sr bZience of depositors leaving England, promissory notes,
t„ including interest as well as principal, at not less
Enz The months' date.
bag bank will undertake the agency of country and foreign
qeeou, whether joint stock or private, and will afford every
lar tllinodation to travellers and others with respect to circu.
14e_notes and letters of credit. It will receive all kinds of
fko•-:4ll.lafroarLits customers, including annuities, dividends, mili-
and civil officers' pay. It will undertake the sale
1.: transfer of stock in the public funds, dtc. ; and will be
EipollBiblo for the safe custody of title deeds and other seen-
ticis belonging to its customers, to which they will at all
41,08 have convenience of access.
thAPplication for prospectuses and forms of application for
at: remaining shares, to be made to Messrs. Sutton,
th ek brokers, 22, Royal Exchange er to the secretary at
• Principal offices, 10, Cannon-street, City,
HENRY LAKE, Secreta

FOR' OF APPLICATION FOR SHARES.
748 DIRECTORS OF THE UNITY JOINT-STOCK MUTUAL BANKING
Gentle ASSOCIATION.
joo,.raen,_ I request that you will allot me shares of
ae_•'_tch in the above association, and in consideration of
Viellotment, or any less number you may appropriate to
10e I hereby undertake to pa tho deosit, or first call of
Per Per tillarto thereon, and 40/.y at the time Qi_inoollVrati9ll,

ielon,