davidaulloa/AmericanStories huggingface dataset:
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
GUIDE TO CUBA.
Havana Post Issues Tourists Ed.
ton of Journal.

The Havana Post. the only American
newspaper in Cuba, published its tourist
edition for the season of 191O-1911, No
vember 16. Copies have been received in
Washington.
The special tourists section is regarded
as a model of the printers and engravers'
art. containing large number of pict res
of various places and buildings of interest
in Cuba, printed in four colors. The Sec
ton is guide to visitors to the island,
and contains much information in regard
to the history and present conditions Of
Cuba.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Dental Society Elects Officers.

The Robert T. Freeman Dental So
ciety Of the District Of Columbia has
elected the following officers: c. A.
Gray, president; C. C. Fry, vice presi-
dent; George II. Butcher, recording Sec
rotary; S. A. Fraser, corresponding Sec
rotary: A. ]. Gwathney. treasurer: w.
E. Hamilton. librarian: D. A. Ferguson
of Richmond, Va, honorary vice presi-
dent.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
DIED AT HOSPITAL.
Canadian En- Route to Florida Wa,
Stricken on the Street.

Emil Dumas. seventy years old, who
became i'll while In front Of No en-
CINE company's quarters, Massachusetts
avenue between 4th and 9TH streets, Oc-
tober Is. died at the Emergency Hospital
this morning about o'clock The de-
ceased was from Lazara, Manitoba, and
was on his way to Florida when he was
stricken.
Mr.. Dumas had about $50 in his possess
sicn and he has been treated in a pri-
vate ward at the hospital. Mrs. D. Char
tiers, his sister, has wired from Lazara
several times to inquire about his condi-
ton. Today she was notified Of his death.
The body VIII probably be sent to Lazara
for interment.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Barber Shop on Fire.

An overheated pipe caused IRE yester-
day afternoon in the barber shop Of ].
s. Gerhold, 7Os 9th street northwest.
FTremen extinguished it. There was
about 500 damage
Dry goods In contact with an overhead
ed pipe In the store Of Harry Cohen,
Maryland avenue and 9th street north
east, caused fire last night about $40
o'clock. The fire was extinguished by
No. 10 engine company. after about $3.50
damage had been caused.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Research Workers Meet.

DR.. Willis Salient presided at meeting
of the Society of Research Workers in
Experimental Biology held last evening
at the University Club. DIR. G. s. Hud-
.son Of the Department of Agriculture
q EnZym Actions
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Address on Transportation of Elk
plosives.

1.-The Safe Transportation of Explosives
and Other Dangerous Articles was the
subject of an illustrated lecture delivered
by ]. l.. Taylor at the Terminal Y. NJ.
c. A last night. Mr. Taylor is a special
agent of the interstate commerce COM
assigned to the Investigations of
transporting explosives. The lecture was
attended by several hundred railroad
men,.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
IN HONOR OF ST. ANDREW,
Scottish Society Listens to Addresses
and Songs.

In commemoration Of the feast of st.
Andrew. the Scottish st. Andrews So
ciety met at the Ebbitt House last night
and celebrated the occasion with song
and story. An address by Charles A.
Douglas, in which the deeds of Scots
in this and their own country were ex-
tolled. was repeatedly applauded.
Macfarlane Brockett Of the University
of Glasgow sang several Scotch songs,
and tmpromptu talks were made by
members of the society.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

John r. Crowley, s3l 18th st. NV.
headquarters for Christmas liquors. wines,
brandies and cigars. imported and do
nestle. Old Criterion Whiskey, 81 full
quart. Prompt attention to mail or phone
orders. Phone NJ :s644
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

The Star has branch Office at Sulli-
vans New Pharmacy, corner 7th and D
streets southwest, where advertisements
are received at regular rates and sent d.
rect to The Star office.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Our Work II Better, Our Prices Lower
in most instances than you pay other car.
pet-cleaning concerns. Strictly modern
CONGER, 23d & NJ Y ave. Phone w. loI.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Concert at Soldiers Home,

Stanley Hall.
Tomorrow afternoon. at $3.50 o'clock.
Soldiers Home Band,
John s. Nj. zimmerman, Director.
Grand March. Coronation"
Kretschmer
Overture, "Stabat Mater"
Mercadante
Moroccan, 'Berceuse" .. .Gottschalk
Grand Scene and Benediction (from
The Huguenots'D.. .Meyerbeer
An Arabian Intermezzo, "Aboo
Tabah'' ...... Kohinor
Waltz Suite. THE Flower Of
Italy" Observation-Disclosures. .Stefano
THE Star Spangled Banner
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Returns From Panama

Col. Edward A. Keller. OF 1869 Newton
street has returned from the Isthmus of
Panama, where for the last three weeks
he was visiting his children. He returned
with his health greatly improved.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
MAY Be CONTROVERSY
OVER LIGHTING PLANT
Canal Company Said to Be
: Claiming Use of Too Much
Water Near Great Fails.

! Intinlation Of a probable controversy
between the District of Columbia and the
Chesapeake and Ohio Canal Company is
shown in letter to the Commissioners
from NJ. O. Leighton. chief photographer
of the geological survey.
The survey is working out the first
steps necessary for the installation of the
municipal lighting plant at Great Falls
| proposed by Commissioner Judson, and
suggests that the United States Army En-
gineer Corps be asked to do some OF the
| figuring necessary in the preliminary
/ computations.
1.-The canal COMPANY says Mr.. Leigh
| ton, claims the right to use of all the
water in the Potomac for power purposes
of its charter it is permitted to use only
the wastage of the canal. This claim
seems to have encouraged the company to
entertain liberal views concerning the
amount necessary for operation Of the
canal. 1t will be advisable to have an
| minimum actually needed for lockage and
| leakage under maximum operation.
Wants Engineer Corps Consulted.
1.-The United States Engineer Corps is
| accustomed to make estimates of this
kind. AS this particular matter promises
tual adjustment Of water rights. it is be-
lieved that the opinion Of the corps
should be secured"
The geological survey Is preparing a re-
port of the actual water power available
for use. 1t is regarded as important to
find out just how much will be diverted
for the use of the canal
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Address by Rabbi Simon.

Rabbi Abram Simon has arranged to
deliver a special address tomorrow at the
Eighth Street Temple during the Friday
evening services. His subject is why
We Remain jews" The public Is cor
daily invited.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Were Quoting an Attractive Price
on YELLOW PINE LATTiS Half mil.
lion in stock. Eisinger Bros, 2lO0 eth n. v.
no30-deSu.3
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Decorative Art Ladies' Exchange, so7vt. av.
Arnold's Oedensburx Al,

especially helpful to those who lack ap,
petite. 1t gives zest to all edibles, ana IN
addition improves digestive processes. Gro,
GERS or phone Arlington Bottling Co., w. 81.
de1-5d
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Every Bottle Of Heurich,s Beers
lis distinguished by the same uniforrnft u
OF quality. purity. flavor. Pasteurfzing I'M,
sures that. The beverages for health. Z
doz. Lager. $50: 2 dog. Maerzen or SEN
ate, $l.7o; bot. rebate. SOC. Phone W. 1900
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Make sure of having good, wholesome
bread for every meal by having Holmes
Genuine Homemade Milk Bread deliv-
cred fresh and clean from oven to table.
Always sweet, always nutritious. always
well baked. &c loaf. Delicious Home
made Pies Zoe each. Holmes Bakery,
lO1 r st. Tel. NJ. 4a31.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Flowers for Friends Going Abroad.
New York steamer orders filled at Wash.
ington prices. ]. II. Small & Sons, 14th &
G. Waldorf-Astoria & 1853 Broadway, N. Y
-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Members of Burnside Post, No. s, G. A.
r, will act as pallbearers at the funeral
of DR.. F. NJ. Charles, to be held tomor-
row morning at 10 O'Clock from 1887 10th
street. Those selected are Col. George
c Ross, DIR. A. J. Huntoon, Ambrose
Barber, Capt. William Emerson. Capt.
Jerome F. Johnson and Col. A. p. Tasker.
A delegation from the civil service
commission. in the ONCE Of which Dr.
Charles was employed for a number of
years, will attend the obsequies.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

To Reach Any Place Quickly
and comforta bly, phone North 1912 for 6
TTCO taxicab. Always ready. s. hour
-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
ran Beauties

Famous American Beauties.
GUIDES homegrown American beauty
roses merit much admiration. 1914 f.
Advt
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

1911 Model Davis Sewing Machines Now
on exhibition. Expert repairs. SIS 9th.
Oc27-th,tf
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

J.. w. Hunt 4 Co., 1915 n 1t. NV.
Glass put In, any kind. anywhere, any
time. Phone NJ. 1867. or postal.
no29-eo-7t
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Wants Engineer Corps Consulted.

Lies Worth Living
In a "Wardman" home.-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Roses, Violets, Sweet Peas and Other
popular flowers at their best. Shaffer, 14th&I
-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

3 First-run Pictures. Virginia, 9th, F & q.
no29-6t
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Money to lend at 5 and So on real estate.
Frank I. Rawlings Co., 1905 Pa ave-
Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Sewing Machines Repaired for d.
Oppenheimer's 514 9th st. NV.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Hoods Sarsaparilla

which ncutralises the acid in the blood on which
the disease depends. and expels It.
In usual liquid form or In chocolated tablet.
known a. SARSATADS,
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Elk Grove-pure. wholesome butter
Advt. -.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Rheurnna tiSrD1

Innames the joints, stiaens the muscles, and ia
some cases causes suferinss that are almost uu-
endurable.
Thousands Of grateful people have testified
that they have been radically and permanently
cured Of this painful disease BY the constitu-
tional remedy
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Ask for Elk Grove butter.-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
DR.. Charles to Be Buried Tomorrow.

Elk Grove art subjects free.-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

90 Per Cent
of buyers and renters apply to Stone &.
Fairfax, 1912 New York aye.-Advt
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Mems evening clothes. Owen, 1904 H.
Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Tho fur traders are sore on Desmond Tor
spoiling their decoy and they won't do
thing to him II they catch him. They are
desperate characters and cot very low
value on human life, unless The life belongs
TO man who wants to buy some Of their
furs. In q case like that they are . little
more CAREFUL.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
LOCAL MENTION.
TONIGHT.

Nationai-"The Arcadians," S:15 pm.
3elasco-"Alias Jimmy Valentine" S:15
I'm.
Columbia-"He Fell in Love With His
Wife," Sis pm.
Chase's-Polite vaudeville. Sis pm.
New Academy-"Tne Montana Limited"
SIS PM.
Gayety-Harry Hastings Big Show. S:15
I'm.
New Lyceum--"The Tiger Lilies" S:15
I'm.
Howard Theater, street near It'll
lara Turner in Anita" 8 pm.
casino-Vaudeville and moving pic
.Eres, 12:45 to $50 and 6:45 to IL pm.
Majestic--Vaudeville and moving pic
lures. 2 to and to IL pm.
Cosmos-Vaudeville and moving pic
.ures. ! pm. to IL pm.
The Misunderstanding and roller skat-
ing.
f;lks' building, 919 III street northwest
The Elks' Fall Festival.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Elk Grove butter supreme in quality
Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Desmond knows that " no falls into the
hands Of the BoreaIis Fur Company. he's a
aoner 90 he 10 not tab. No any chances; that
10, unless you would call jumping of an Ice
berg Into the freezing waters Of the Arctic
Ocean taking chance. To 10, Il looks like
"out Of the frying pan Into the fire." only
colder.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01
Ideal Method of Saving.

IueHI MetnOu OI SaVInS.
You can accomplish much by adopting
the saving plan of the Prudential Build
ing Assn, 1910 + st. Glad to explain it.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

let an Elk Grove art subject.-Advt.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

The bear 10 dead all right. In fact, no
passed away some time ago, long before the
opening Of our little drama. You sec, he 10
. stuffed bear placed there by the eorealls
Fur Company to lure others Of his kind 70
their doom. The best thing he ever did
was to make Desmond waste all his cart
ridges.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1910-12-01

Electric Reading Lights
and Gas Drop Lights; full stock.
10 18th st. c. A. Muddiman & Co. 1904 G.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02

Cientos de Medicos muy conocidos Ger
tifican la yerdad de que la Pam-ala eurs
cl PaludismO.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02
nOticias

Ell Hon. Gobernador, por c0nducto
del senior director del departamento,
remite copia del cable dirigido, a soil
citud del director de Sanidad, la cas
sa H. X Mulford, pidiendo ell envio Gle
5000 tubos de linfa vacuna.
Sc encuentra muy grave en- su resi-
dencia de Catano, la apreciable sonora
dona Antonia Balasquide.
Frio ahora Gator despu6s-este es Ell
Paudismo, la cura es Pam-ala.
Sc han se1alado los examenes de macs
tros graduados para La segunda ounce"
Ma del corriente mes.
El senior Rafael Sancho ha sido NOM
brado inspector de Aduanas, tomara
possession de su puesto en- la segunda
quincena del corriente mes.
La Pen,-ala cura los casOs mas fuertes
de tiebre palNdica. va seacronica aguda'
Don Jose Lopez Vazquez, de Ponce
denuncia las malas condolences en- Que
Sc encuentra una cuadra propiedad del
seIlor Ramon Ortiz Diaz, situada en- la
calle Mayor, esquina 4 Tricoche.
Don Carlos Martinez, de Ponce, So
icita Sc le aut0rice para exhumar los
restos de su senor padre que Sc encuen-
tran sepultado ensel barrio. de Co
rraI Viejo desde ell alo 1905, con
obieto de ser inhumados nuevanrente
en- cl cementerio de Ponce.
Las aquas estencadas causan ell Palu'
dismo, la Pam-ala 10 cura. No contiene
Quinina.
Es I'm hecho la construction de un
tcatro en- GuaYama. FL senor Antonio
Grau ha rcunido ocho mil dollars para
las obras, que en- breve empezaran.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02

favorecedores Ell haber alberto
departameno especial estabecm@no de Joe
ria Relojer1a.
Deparamno h & ado la atura de los mos del e1tran
jero y les seryicios de Cptico 5raduado.
dad de auelo cista epece que hasta
obigados los Eaos Undo hemos nsaado
con6n sta contando Ia vez con un
personal
pros que de los Eados Undos d ira
del garantzado.
Despaamos de los ocas comrcada esta
termno de "a horas
p Boure Hustle Successor Principal San Juan
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02

Fam ala cura ell PaludismO. Sc ven
en- todas las drOguerias.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02
IA Z. sic -
BERMUDEZ IERMANOS & Co.

Estado
dall de ruedas
bns Eeiladoas de ech fncesas Amas de
Y durezas de dolor
FORTAIEZA Nc.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02
Para OfCinas

En- Ia magnifca casa, San Francisco
s., Sc alquila I'm piso para oficinas.
Informaran Ell Ell BOLETIN MER~
CANTIL
Cientos de Medicos muy conocidos Ger
tilican la yerdad dc que la Pamala eurs
c PaludiSmO.
Nos comunican de Tallaboa que 81
IA tributado un ruidoso recibimiento a
Obispo Monsenor Jones. Uno de este
has rcgrcsarl 1 esta ciudad el reveren
lo Prclado.
Aver Sc verified el sepelio en- est;
;&1r1 III ualo@rado joven Berito Mar
lnez. quion sc dispar6 un tiro de revol
Yer h.ritndOoe grayemente hace alguno
las. Martinez era conductor de los ca
rros eitctrIcOs
Pam ala cura ell Paludismo. Sc vend
en- todas las droguerlas.
Por eI departamento de Obras pi,
blicas, Sc han c0ncedido los permiso
siguientes.
Eladio Perez, para construlr una {;
sa Ell el kil0metro 26, 6, carretera nj 4
nero
Rafael Torres, para construir una e;
5a en- cl kil6metro -, 8, carretera M
nero ,.
Sc ha 0rdenado la inspector Lu
Mendez Cardona. que informe respe
10 la fuga del cOnfnado .Jovito K
nan. escapado mientras trabajaba &
una carretera de Mayaguez
Pam ala eS una cura pOsitiva para ell +.
ludsmO. Tn ensayo 10 dejara convened
De venta en- todas las drOguertas
EEL BOLETIN MERCANTIL dePR.
Sc halla de venta en- ell
SALON NATIVO E"
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02
EEL BOLETIN MERCANTIL dePR.
Sc halla de venta en- ell
S LON NATIVO
Plaza de Raldoriot
IntereS:

Sc vende una hermosa quinta en-
parada Is en- Santurce, propia para r
sldencia de familia Q para un Colegio
Tiene tOda clase de comodidas :
gran jardfn, arboles frutales. paseb,
cOchera y garage para autom6vil.
Informara en- La casa de al lado. Il,
Jose Cerra.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02

Els I'm hecho la construction de un
tcatro en- Guayana III senor Antonio
Grau ha rcunido ocho mil dollars para
las obras, que en- breve empezaran.
BoletiÌn mercantil de Puerto Rico. (San Juan, P.R.) 18??-1918, 1910-03-02

Las aeuas estancadas causan ell Palu
dismO, la Pam-ala 10 cura. No contiene
Quinina
Pine Bluff daily graphic., 1910-10-30
THERE WILL BE NO PARADE.
When Buffalo Bill's Wild West ant Pawnee BNPs Far East Comes
 to Town.

In many towns the merchants ob- ject to the congested crowds and the stoppagS of business during uhe hours when travelling exhao tions pa. rade the streets, and so strong is this objection that the authorities sometimes will not issue permit for parade. But those who will be disappointed in this part cular VII find an abundance to interest them in transferring the Wind West and Far East paraphernalia from the trains to the show grounds. In thei. native garb the camels and elaphanta used in the Oriental Spectacle and the strange people from across the sea Will present an early. morn'n 'ne spectacle which in uniQueness and .n- rterest will make ample amends for the eaok of :. regulation parade o1 empty animal cages, gaudily paintei chario.s and the tsasel and t'appings o. 2 c:-cus. pagenat. When tht weather is propitious Col. Wm. F Cody. the 0r.g'nsl aad cn.y Bussal
Pine Bluff daily graphic., 1910-10-30
WORK OF NATIONAL BANK EXAMINERS .Valuale Information Is Ob- tained by Comptroller
 of Currency. .~l
HOW TO GET THE DATA
Loans and Discounts Are Important In Investigating Affairs of Uni-
 ted States Banks.
(By Sidney Espey.)

Washington, Oct. 29.-Rrom recent inquiry as to the methods employed by National bank examines in mak- ing examination of banks, Comp toller of the Currency Murray has been able to obtain some very valu- able information which he intends to use in administering his office li the future. Expressions from these imp rovement in the methods of bank examination.
 The best way to obtain informa- ton concerning the values and cred it's in country national bank has been the source of particular trouble to the Comptroller of the Currency. In this relation, MT. Murray says:
 In making a first examination or a rational bank in small town, It is often helpful to the examiner to note the principal business places and men, as seen by walking through thp business section of the town on the evening preceding the eXam.na- lion. 1t is of use in determining whether man is one thousand man. or "a five thousand man II
Pine Bluff daily graphic., 1910-10-30
bank is sure to lose.

bank is sure to lose.
 To sum it all up, the most im- portant dling, After totaling the notes to see if they agree with the general ledger, is to get a line on the officers and directors. to see If they are careful and capable men and know the business.
 The Credit Office. In speaking of banks generally, MT Murray came to the conclusion that there is no more important bank official than the officer who is in charge of the credits. Let the other departments be ever so efficient he says, in collecting deposits, they cannot offset the failure of those who loan the funds to secure their safe return. Vital as is the credit man, be he president, vice president, Q: cashier, the bank examiner holds similar position towards the loans of every bank he visits. He is sup posed to be the credit man not for 
 one bank or for one town. but for an entire district.
 "Sme of the considerations which affect the judgment of commercial risks,' the Comptroller continued, creditors have greater risk Do creditors have a greater risk in the business than the owners; do the quick assets exceed the quick lia- blities; have the owners other property; or they making or losing money; have they the reputation et
 paying their bills promptly or of taking long time ill merchandise ac- counts: is the loan warranted by the amount of bank balance carried; is
 tne paper met at maturity or extend
 ed. and if the latter, does it cont.n
 ually grow in amount?
 To the Question: Is a judlelouf
 inquiry outside the bank, concerning
 the credit of business man, essen
 tial in keeping tabs on the bank
 paper?" MT. Murray has his doubts
 Te says, my opinion is that such al
 inquiry is fraught with danger. The
 credit of a business firm or indlvld
 ual is a sacred thing, and by mos
Pine Bluff daily graphic., 1910-10-30

you wish to gain an idea of the size of his store and the scope of his business.
 "In determining the value of the assets of the country bank it is necessary to take into consideration: cash items, loans and discounts, real estate and mortgages, stocks and bonds and the balances in the bank Bonds and stocks, as rule are quot ed in financial journals. In this kind of bank, the items are usual ly a few checks, coupons, protest fees, small items of discount or in- terest awaiting adjustment and oc- casionally small expense items. If there is found overdue paper and larger personal cheeks of officers or employees then careful consideration must be given and careful inquiry made.
 Building Has Two Values.
 As to real estate, the bank build- ing has two values, one if it is to be kept as the home of going bank and another if it is to be sold. When building is to be sold so many dif7s ferent things affect it's value that 1t is idle to discuss t, as each may be scattered from Maine to California and a large part of the information necessary to make an estimate must be gathered from the bank records.
 The loans and discounts, MT. Murray states, ''are usually the heart of every examination. Some banks have large home demand, and at times, are large borrowers themselves to meet home needs. In a bank of this nature it is well to have one of the directors go over she notes with an examiner, especially al the first examination.
 "A great deal of information, MT. Murray says. 'can be obtained om the tellers, bookkeepers and clerks, without them knowing that they are giving it. Ut has been surprise, ne continued, to find on what small ln- formation a loan is made on some hanks. If the officers and directors are careless about such matters, the