The Washington herald., 1907-05-12
NEUTRALITY-SUSPICIOUS.
Services for Banker to Be Held at
Trinity Church.
Widely known FinaRcier Survived
by Large FamiIy-one Af Old
school Business Men.

Funeral services for Clement ". How
ard. vice president Of the National Bank
of Washington. secretary of the Firemen's 5
Insurance Company, and treasurer Of the
United States Realty Company, who died
yesterday. viii be held tomorrow after
noon at O'Clock at Trinity Protestant
Episcopal Church. Rev. Richard p. Will
Jams. rector OF Trinity Parish, viii con-
duct the services Intermeut viii be in
Oak Hin Cemetery.
Mr. Howard died at his home, ls4s Wyo-
ming avenue. after an illness Of a week.
Kidney trouble is given as the direct
cause OF his death.
He leaves a wife. seven children, and a
brother, Henry p. Howard. Mrs. Howard
was Miss Addie NJ. Lutz, of Leesburg
Va The children are AIRS. q. Sherman
James, Mrs. G. T.. Smith Miss Belle How
ard. Miss Elizabeth Howard, and Hugh,
Albert. and Samuel Howard.
Mr Howard was born In Washington
sixty-two years ago. In 1876 he was mar
ried TO Miss Lutz. For the last thirty
FIVE years he had been secretary of the
Firemens Insurance Company. When the
Central National Bank was merged with
the Nationai Bank of Washington Mr..
Howard was one OF the directors OF the
latter who became af1liated with the new
National Bank Of Washington.
Mr. Howard belonged 10 the conserva-
tive school of inanciers. Safety and
sanity in all operations where the money
Of others was involved appeared TO be
his motto. He was always popular with
the patrons Of the Bank Of Washington,
and was willing 10 extend financial as
sistauce to business men where il Was
needed. and when il was safe To do so.
Mr. Howard took a flial interest in the
institution which he served so long and
faithfully. Il is said that he deprecated
the passing away of the old bank, and
that II was a real shock 10 him when
the old institution passed into the hands
of new financiers and entered upon new
existence.
Mr.. Howard's abilities as a banker and
his long service in the old Bank of Wash
ington inspired the new management VITA
the greatest confidence, and it IS with
sincere regret that the directors viii now
seek another 10 occupy his place.
Among bankers it is said that Mr. How
ard had a natural instinct in estimating
the value Of securities offered as collateral
for loans. and his associates Of the old
bank as well as the new, bear witness to
the fact that his judgment was rarely at
fault. Mr. Howard dreaded undue risk in
financial matters, and never took them.
He believed that banks money was TO
the bank official more valuable than his
own. and bad loans were the thing against
which he was ever on the alert.
Personally. Mr.. Howard was man OF
kindly nature. His interest went out spe-
Cially to young men who entered the
banking business, and many is the young
bank clerk who has profited by his friend
ship, helpfulness, and timely advice. 1t is
said that his chief anxiety for young men
was that they should cultivate the virtue
of economy and begin their savings with
their earliest efforts at a livelihood.
He believed that money was a great
power for good. and that it was a poor
sort Of a man who could not accumulate
some Of il by taking advantage Of the
many opportunities offered for investment
Mr. Howard also sought TO instill in the
minds of young men attention 20 the
details of banking. He used 10 tell them
that mistakes in bookkeeping, forgetful
ness in duties assigned. and slips of any
kind were inexcusable, and marked q
weak man.
Mr. Howard was a member of Lebanon
Lodge. No. Z. A T. and A. NJ; Washing
ton Chapter. No ?, Royal Arch Masons
Washington Commandery, No. ], knights
Templars, and Almas Temple of the
Mystic Shrine