The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1904-02-23

cine to his parishoners anu 1rienus, INV
thousands were made vel ana 3 !, tr ,1
fhev ALWAYS called for Father Johns
Medicinc,"7! so II was named by tho
banking methods yin the course o.
live years raise business man from one
WHO iins been bringing II thousand dollars
a wear to the bank to ono VINO DIN rin ~
n n II d. million BY banking on lhe
right kind OF men, therefore, by STUDY
ing tl,elr ability rs a part of5their sse vs.,
lbailk is madof grcut ana inc i5p 'illA 81
a idoctor or renowi1 lin finance. - 4,
Ar The successful banker, naturally the
conservative one, will only care 10 oe Gu ;
with men who are somewhat conserve 'rN'.,
tive. Loans made to- men who are b3 az.
@dictcd to speculation or other IT s. 81
gambling are dangerous. i ne a$ goo utl
banker will never make mem, o. sur
wrecked The pilot Of a great ocean
liner feels his way cautiously. fte has
s n costly ship a valuable cargo ~ a anu
hundreds Of lives intrnsted to his care are,
FIG cannot axe amy chances. excepI ~ ~
moments OF terrible stress, when ~ :, - y
only by desperate move. per Or Nv
he can secure a prospect OF uitl - ..l
sa fcty #s# He Is deliberate, slow nd care
ful. 4 A new passing may appear 70 OIL ~,
n better way, a saving OF time ana uls-
tance but he avoids it, II LOOKS a. ur,ns,
but lilo knows that IN. the path nc mas
always olowcd Is safety, ana ne s..e no
to- AZ M lie knows not what hidden roc roc
may exist In the other channel, ana ne
will not risk the ship and passengers Oh
iIts waters however. & mucl H. OF adIantuee
It may appear to offer, SO LIZ Is VIII WIZ
q banker, a good banker, who IS Away always
the successful 4onc. He has the ino mons,
Of thousands Of people Entrusted 70 ms
care. a A man who INDUCES in spec
ton may come TO him for a loan. inc
nrospects he holds out to- the bank may
be of the most tempting character. the
bank might profit Handsomely py tne
loan, but tho mans speculative tendency
Is a hidden rock In the channel OF inc
ho III, promise If 1t hcccdes to his pro pc.
sition. He may win on his venture, ana
tho banl, will Il be n large gamer. Dut
he is more apt to lose. or, NJ q monten =
when the bank must have thnt. IN oney Nv, - .
Is unable to pay. What are the results .l.
| 5Thc bank may survive the shock, put =! ~
ia moro liable to go down, and hundreds
Of depositolss Will lose their mone'.;5zi
3sfI.oAN1NGsoF, MONEY AZ " = ,.. Is
If V poon,a, ia not want to intrust their
mnonev to d bank that will take any
gcha noes Of this sort, and the success o!
! The banking institution and the man al
Elts head, the two really are synonymous;
| depends upon the correct ana care ,
| methods OF lonning money. II the pank .,
/ l. conservative II ne makes only goou
Loo Is, : = ri void. financial shoals, he In
| aniras q confidence in his bank that De-
| Gets success i The tlepositors increase as
| his reutation for conservatism becomes
/ wider known, and 1t does not take lo n,e
in any community for the banker instn-
i DDS to be matter OF vupllc kno"ieuse g
| No matter now successful nus ,ipi,, An :,
| tive clients may he. the banker WIZ INV
! that he loses money, loses patronage. lose '
I prestige and Is finally wrecked by ms
i course. People In a rational state Oh nlHo INC
4 do not care much for speculation, ,lh ~
i If they do wish to indulge In It they
prefer to make their own ventures any ~
Il nor have another man do 1t for them. Il ! /.
g. i,,st t1lka netting on a horse race a
"A man NAV visit the track and place 9
coI,nle Of etsSin the course OF an alte1-
( noon hut he wouldn't deposit his money
A for e-keeping with man Whoili y
: knew was prone to betting on the races a,s
/, 1t would be too much like thro~1ns -. ~
money in the fire, ana TINS IS 1us1 ~, eH r,sn
Il tho view the public takes Of the pti1lh1Le
Z business when the bank rs known 9
Il rostcr gsneculators or loan out Its none.
q Ia back "wlld- cat" business schemes
People & are conservative about about tn nv,
alEmoncy If they arc conservatiVe a aI'l y
4 nothing else and the banker, - t,,a =
y conservative If he wants 70 retain t ~.
y confidence and their depositors, ~ ~
u sneoulatIve road may pay for Q "hile
4 inf failure is the goal at Its END.
x " These, then, are the things which con
trIbute to the success Of the bank an
. tho man who is at the head Of ~. " "
what about the course o. ne 10, 1 ~ an,
I nance Ia tho bnnk2 That Is very IN !,
J nortnnt. but much OF what + have nlreaa
said will apply to tho semployc-ho. mus u's
\ have the two important luailtless, o. co,
\ seryatism and good judgment y ~ ~. = /,
: 10 rise for ifl!they are so necessary
: ~ h,rh offlcial. naturally tho employ
who does not manifest the possession
! them in some way viii hardly rise ln 20
/; mediocrlty. Flo must have these thills
in his nature and show that he has the y
: in ordor to be eligible ultimately tor -
= executive places In the bank
! HONESTY is FIRST,
!, or the other qualifications Of the. en- 2
. ploye who wishes TO rise, qu'te natural,
4 viii place honesty tlrst, but ! s 81.
8 tribute OF every one connected Win
|. hank. from the porter up, whether the
r wish 10 attain higher PLACES or not u
bank above all other places must ! nay
3 n personnel that is Trustworthy ~ ~, sevu =,
part the empo S;a o. o. tb pat core 1
!, tn tbev 9 Vii hot last in the Institute
= twenty-four hours after their deb c|ene
in this respect is found out The !, he e
I for such a sterling duality N !, me soo 1A .
q ,5a to need any discussion Or to ma ahl
any further statement necessary ny IN, IN
whas aa ao and Thai lis IS ali there is
! IT. 5si6 III ii'E e G 7.
81 Energy, ambition and patience e are g, ! Z
It other traits Of character that 1nusa s..a
~ the man who wishes to 5rlse, Success
= SLOW SLOW coming In the banking business, ! 7
. that mean the success nat carries ,vnr
i man to the higher places, Tor ne ~, W.
= Of an Individual must be proven pet !,
: he can can be advanced. In giylng an g,
position Of s srpu the ea aars nj
y 49, sSaf ,ot only7 he satisfied that the G!
~ ~ 1 noye Understands the work, al =, rig &
kneM ~ taK p9 ye es foass sss
=, a ~, a,,ch things as completely as !
:. Banking ban nsG house demands, man M, Y
81 rsht Ct present e PVT RT0pafe' y
ne g1.,,u4 az dayelop IN the future and pro