The Newark journal., 1915-08-05
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SOUL MATERIAL HAS ENTERED THE BANK VAULTS OF
 THE NATION.
The Bank a Financial Power Houee
 to the Community.
By Peter Radford.

One of the greatest opportunities fin the business life of the EatiGn lies in practical cooperation oI the coun- try banks with the farmer in building agriculture and the adventure Is laden with greater possibilities than any forward movement now before the American public.
 A feW bankers have loaned money to farmers at a low rate of interest, and ofttimes without compensation. to buy blooded livestock, build silos, fertilize the land, secure better seed hold their produces for betetr mar ket price, etc. The banker in cen tribuung toward improving the grade of livestock, the quality of the seed and the fertility of Che soil plants in the agricultural life of the community a fountain of profit. that like Teuny- sons brook, runs on and on forever. Community Progress a Bank Asset.
 The time was when money loaned on such a basis would severely test the sanity of the banker; such trans actions would pain the directors like a blow in the face. A cashier who would dare to cast bread upon waters that did not return bQttered side ID in time for annual dividends would have to give way to a more easabie man This does not necessarily mean that the bankers are getting any better or that the milk of human tindnesss is being imbibed more freely b. our finan- eiers It indicates that the bankers are getting wiser, becoming more able fin anciers and the banking industry more competent The vision Of the builder is eroWding out the spirit of the pawn broker. A light has been turned on new world of investment and no usurer ever received as large returns on the investment as these progress sive bankers, who made loans to uplift industry. The bankers have always been liberal city builders. but they are now building agriculture.
 A Dollar With a Soul
 Ii is refreshing in this strenuous commercial life to find so many dol lars with souls. When a dollar is ap
 
 not directly yield the highest rate of interest, we usually hear the rustic of the eagles wings as it scars up- ward when dollar is requested to return at the option of the borrower t usually appeals to the Goddess of Liberty for it's contractural rights; when a dollar is asked to expand in volume to suit the requirements of industry, it usually talks solemnly of its redeemer. but soul material has entered into the vaults of our banks and rate, time and volume have new basis of reckoning in so far as the ability of some of the bankers permit them to cooperate in promot- ing the business of farming.
 God Almighty's NobIemen.
 These bankers are God Almightys nobemen. Heaven lent earth the will help them roll in place the cornerstones of empires. They are not philanthropists; they are wise bankers. The spirit of the builder has given them a new vision, and wisdom has visited upon them busi- ness foresight
 The eaekle of the hen, the low of kine and the rustic of growing crops echo in every bank vault in the nation and the shrewd banker knows that he can more effectively increase his deposits by putting blue blood in the veins of livestock; quality in the yield of the soil and value into agricultural products, than by busi ness handshakes, overdralts aud gaudy calendars.
 Taking the community into part nership with the bank, opening up a ledger account with progress, making thrift and enterprise stockholders and the prosperity of the country an asset to the bank, put behind it stability far more desirable than a letterhead bearing the names of all the distinguished citizens of the com munity The bank is the financial power house of the community and blessed is the locality that has an up-to-date banker