The Cairo bulletin., 1910-10-27

Foaus, ana YOU mixer Know o
money is tied up and all business at
fected, when bad roads win not per
NIT grain to be moved. % the farm
Iers to go trading Or visiting.
The roads of any comm unity are an
Index of its character, determine its
value and assist or limit IFS I'D
| vance.
When the farmers began buying au-
tomobiies some bankers and many
newspapers commented adversely.
Who has a better right TO an as to-
mobile? who as a rule, Is better able
TO pay the cash for 1t than the farm
Iere II is the automobile in the
hands Of the farmer ami Ms sons, that
is going to work wonders in the
back to the soil" movement, the bet
ter roads moveu ent, and give T. em
and their families more OF the pteas
ures and comforts and help them TO
annililate the long hitherto instr
mountable distances, between ne gh-
bors and towns. The automobile, In
connection with all the other lat;er
day conyeniences and advances will
make farm life the Ideal life, AM
with the new methods of agriculture,
lift t out of the old druIgery and
routine. The trouble is, as a farm
er's magazine has said, not that 50
many farmers are getting auton,o-
bi,es, hut that many more who can
afford them, don't.
| car only throw u these sugges-
ticas as | pass, ASKING your careful
consideration that you may, if YOU
see fit, through proper resolutions
and comm tees help on this great
work, of the new agriculture, in ali
its phases.
And now, back to our " narticu.
lar profession; The third and last
that | have to suggest.
The business of banking Is not
merely the business of the banker. 1t
is very much more; Il is the bus ness
OF the public.
The right Of the banker to 40 such
business comes. or shorld come, eith-
er from the federal government or TIE
state. Nj turn for this right, to do
this public business, the cove pment
or the state, as the case may be, has
the right ami should requ re, a faith
ful administration Of tiiat privilege
AS has been said, the entire brsl-
ness is founded on the confidence of
the public and there the Whole struc.
ture rests, Faith In the confidence of
mis- ~Gepositors is the only thing that
n axes a bank official willing to loan
ont on time. deposits that are actually
payable on demand. II follows loei-
calIy then that any method, or proee4
.dufe, or system which lis instrument
tai ia gaining and holding this conf
dence Is Of the greatest importance
to The Business. The most generally
accepted theory aloag this line Is
that all hanks should be periodically
exaH1ined by competent men, under
state or national supervision, a3d
that statements of their con,I ton
shopli he accessible to tire public at
least several times during tire yea
The bank examiner used to be con
sfdeced an interloper AMI a NUISANCE.
In the matter OF state banks soite
serg stringent laws. that at y time
would have been cons. de ed an i'm
warranted interference, have leen
Dassel during the last few yeara that
. asst Of necessity raise the quality
of a banks management AMI the con
sequent safety of the institution and
the public.
Even now, state banking deiarhr
ments and the comptroller, are refus'
ing charters to new banks where the
personnel is not OF the highest order,
Or where the locality is already amply
su2ple ed with banking facilities,
We don't term laws lifat are int q
ed 10 regulate our bTsfness alons
safe lires. anti-bank leyfe'l don ,Wf.
Should be ready to conform to- any
legislative enactment that Will make
the business in any degree safer, even
al the sacrifice Of some opportunities
for profit.
Our Mr.. David W. Kafraker said
III an address recently, ysankers