The advocate., 1897-06-30
OFFICIAL CALL.
STATE OF KANSAS,
OFFICE OF BANK COMMISSIONER.
TnpmuA Kho lima nl 1Qf


To the cashier, manager or receiver Of all
State and private banks doing business In
the State OF Kansas, including banks In the
hands OF q receiver
DEAR SIR-In accordance with the proVi-
siOns OF the Kansas banking law, you are re-
quired to make and forward TO this Office, not
later than 10 days from me date Of this cdLi an
official statement OF the financial condition
OF your bank at the close OF business on che
2lst day OF June, 1897.
hand you herewith blank statements 10 be
used forward the iour.page blank TO this
office and use tho other for printers copy.
also enclose blank affidavit OF publication,
which please forward 10 this Office az soon Rs
your statement has been published. Do not
fail to have the printer attach a copy OF your
statement, as published, TO the affidavit.
Only one publication is required.
Please observe the following instructions
Itemize, on official statement amount due
from other banks, showing amount due from
each bank, giving name and location OF bank
Do not show your cash all under one head
ing, but show each item, currency, gold,
silver, etc. IL you do not keep counter cash
record which will enable you TO show the
several Items OF cash on any day that has
passed, procure a book for this purpose at
once and hereafter keep proper record OF
your cash, including a record Of "cash Items"
Glemize overdrafts, and other resources;
also, give full information "a TO borrowed
money, including In your borrowed money,
CoTtLUCbEbh Oh uopOhltb buhb nave D60n Ah1u0O
primarily for the purpose OF borrowing.
II you have borrowed money ON your Ger.
tihcates OF deposit, show same under head Of
"bills payable" and not as deposits.
Give complete list OF excess loans, remem.
bering that loans TO the several members Of
a firm or company are classed no one loan
Do not show your oYerdrafts on other banks
as blanks and bankers deposits" but show
them as overdrafts, giving She name OF bank
Do not show your balance due from closed
banks as sight exchange" but show same as
"due from closed banks"
This blank form OF statement is In accord
ance with law, and every portion thereof must
be properly Tiled out or your statement VIII
be returned for correction. II you have moth
Ing to report under any particular heading
write the word none" then viii know than
you have not overlooked the item.
mail you under separate cover blanks upon
which to report proceedings OF the quarterly
meetings OF your board Of directors. Enough
Of these blanks are sent you to cover four
meetings. Preserve them for this purpose
AS the time for declaring dividends Is Rt
hand, would respectfully call your attention
to the provisions OF sections 81, 88 and "a OF
our banking law. Directors are personally
liable for any dividend declared or paid IN
violation OF the provisions OF our law, and
this department viii, upon discovering that
any dividend has been so paid, order same Te"
funded
would again urge all bank officers and d.
rectors TO study carefully our new banking
law and to adjust the affairs OK their bank TO
Its provisions. Hereafter, where l discover
that the provisions Of law are not being COM
piled with, | will be compelled TO serve the
notice required by law.
The attention OF private bankers Is called TO
the provisions Of sections ~ and 40.
Our banks at this time hold very large re-
serve, and at such times there Is great danger
ofmaking unsafe loans The desire 10 earn div.
idends often causes bank offlcials TO overlook
the very important precaution OF not permit
ting dollar OF the funds entrusted to their
care to pass over their counter In the form OF
O loan without first procuring proper security
therefor. There is q class Of property being
offered as security for loans at this time whore
the future has been discounted In estimating
It's value Bankers should exercise great care
In making this class OF loans.
Read this communication carefully just be-
fore making your statement. Make and for
ward your statement promptly after receiving
the call, thus avoiding the liability TO penalty
provided 10y section 10 OF our law.
Very truly yours,
JOHN w. BREIDENTHAL,
Bank Commissioner.