Mountain advocate. (Barbourville, Ky.) 1904-1935, 1916-12-29
WHAT ARE THE STRONG
POINTS OF A BANK !?
By ]. M. RoBsIoNs President
First National Bank of Barbourville, Kentucky.


strong SAFE bank Thsqueston often occurred to before
we were connected with the banking business
Every whether rich poor who makes deposit in
bank wants to feel sure that he putting his
and safe institution and in place where he his money
any time he desire He feels that safe keep his
his about his house and into the bank
for protection and safety Now how he know that the bank
of his selection is a safe place for his money?
Every citizen of the community interested in the banks Of
the community being perfectly SAFE While the stock of bank
is held and owned by private individuals banking institution
the nature of public institution bank fail without do
ing ncalcuable injury only it's stockholders and depostor
but the whole community 1t therefore every citizen of
q community in hand to help make the banks SAFE
Nearly all nations that have fallen in the centuries past and
have been destroyed by internal foes and by enemy
TONS This is of banks. The failure Of most banks due
their inside workings and and not to outside influences
would therefore that the first and strongest points
the safety bank is to have SOBER experienced and careful
the head of it. and who have made of their
private affairs Men who living within their income and get
ting ahead in the world.
SecondOne of the most fruitful for the failure of
banks from observation the past has been the overa
What call overraf for bank pay check drawn
lit by person who has money bank meet it.
stance Mr. Brown has the bank he gives checks
the bank and the bank these checks There money
bank and fund bank with which pay over
draft When bank overdraft it pay of
other depostors Anyone that is not fair If Mr.
Brown has money in the bank the first place should
give checks the bank, and if he does give checks
and he does give checks not fair to Mr. Jones and other
who do have the bank for the bank pay Mr.
Browns checks out of Mr. JONES' and other deposition If
have thousand dollars the bank it your money and
the bank should be managed that money
time and that other part your
You readily how bank fail by paying money
people they do money in the bank The overra
has caused banks fail that the largest we'll
smallest we'll managed banks of the United States have entirely
supervision of all National Banks recognize the great danger
the overdra and about ago the Treasury Depart
ent all National Banks of the United States out
the overdrat and National Bank that pays
does direct violation of the orders of the Treasury
and the laws of the United States The United States
Courts have held that the payment of overaft by bank
misapplcation of the funds of bank.
You readily this You know that fellow who has
money the bank has right have his checks paid
money which have deposited in the bank The First National
Bank of Barbouve will do all it possibly accommodate its
friends and Customers aid the legitimate business and in
terpes of the community but has eliminated the overr
Its desires operate the First National Bank within
and element danger depostors
perfectly saf that every who dollar
the Bank his dollar dollars time he hem
that the fellow who has the bank get
the of the other fellows Any careful banker will
wise you overa danger the bank and
for bank eliminate the overra argues strongly for
safety and of the strongest points by which you
determine that bank safe We have eliminated the
draft desire be harsh any customers or
friends Often good overcheck by mistake BY the
posting machine installed by this bank any any time
the amount the balance that he has in the bank
other banks have adopted the system were for the
best interest of the community and the bank pay overra
would do co. but know that it violation of not
best interest of the community the bank do this
have in the past managed the First National Bank that every
who has had dollar in the bank whether good
hard times could get his time he wanted it, and
maintain this policy the future You
person other than yourself check draw the
money you have intrusted with
There several other points he considered in
tsmnng the safety Of banking institution and these will
up and discuss in next weeks issue of the Mountain Avo