davidaulloa/AmericanStories huggingface dataset:
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28

(Note:-A few weeks ago Mrs. j. E
Burroughs of Dundee, received a ship
ment of merchandise from her son In
Mason City, and in the waste paper
used to pack the goods was a letter
written by soldier in the armies OF
the Civil war. The unusual neatness
once attracted Mrs. Burroughs at.
tention. The letter tells Of Thanks.
giving as experienced in hospital
and is an interesting word picture OF
how Thanksgiving must have been
spent in many home in the United
States during the days of the Civil
war. The scenes pictured by the
writer of this letter are being enacted
in thousands of homes in France and
Belgium at this time. Following is the
letter:
Judiciary Square Hospital. Nov
26, 1868.
To my friends at home:-I trans
nit this to you as some of my
thoughts on this day
Today is Thanksgiving. But a
dreary lonesome one to me. I have
been in my quarters all day reading
and writing and passing off the time
as quickly as I could but it has
been a long day the best I could dc
with it.
could set with my salt junk
bread and coffee, and moralize on
the waste Of the people in Michigan
who will kill and prepare for a
whole week that they may set down
and feast for an hour, never realiz-
ing the fact that the graceful turkey
or the stately shanghai that was the
center of all eyes on the day of the
feast would have been exceedingly
rejoiced to have been let to live to
once more opened their eyes on an
other Thanksgiving morning, but it
wasn't to be. Then after the meats
comes the dessert, and the cakes,
pies, buildings and other numberless
delecacies disappear behind smiling
countenances with a rapidly and
precision that would seem to be the
work Of some famous magician and
In the short space Of half an hour
the table that was the pride Of the
smiling hostess is covered with a
disorderly pile of ruins-that is their
Thanksgiving dinner.
take another bite of junk and
sip my coffee and another scene is
mirrored before my vision: A regi-
ment Of soldiers is marching along
"a muddy road; it is noon-a halt is
ordered, the command is passed
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28

along the lines Build fires and boil
coffee" The tired soldier collects a
few sticks, starts a fire and while
the tin cup of coffee is heating takes
piece of pork from his haversack
puts it on the end of a stick and
holds it up to the fire to broil; when
the coffee boils he seats himself by
the fire, takes out his hard tack and
eats his meal and sips his coffee as
contentedly as if there was no such
thing in the world as roast pigs or
turkeys the drum beats, they put
up their cups, fall into line and move
on-and that is their Thanksgiving
dinner.
take another bite of junk, sip my
coffee, and still another vision rises
before my eyes. 1t is down on the
picket lines; the enemy is near and
the exchange of shots is frequent.
The sentinel from his place of con-
cealment sees an enemy approach
ing, cautiously advancing step by
step; he drops back to make his
concealment more perfect and as the
enemy comes within range places
his cap upon stick and making a
noise to attract the attention Of the
approaching rebel, raises it into view
naturally supposing that there is a
head in the cap. The rebel fires and
the cap falls to the ground pierced
with a rifle ball. supposing the shot
to be fatal the picket-murderer starts
forward with a bound, but before he
has taken a dozen steps another rifle
shot rings out on the air, and he
falls to the earth, having lost for
ever the power Of doing good or evil
in this world. The sentinel rises
from his hidden position, casts a
contemptious glance at his late
enemy, takes a cracker from his
haversack, seats himself upon a
stump and commences to eat-and
that is his Thanksgiving day.
I take another bite of my junk, sip
my coffee, and still another vision
rises to my mind: 1t is a pleasantly
situated little cottage in Michigan. A
happy little child is sitting on the
floor playing with a playful kitten;
the mother moves about preparing
the meal with as many little dainties
and luxuries as her limited means
will permit, now pausing a moment
to watch with all the pride of moth
er heart her treasure as it plays with
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28
10 Mel
~~ FRANK ]. kEISER
CLOTt1IER
CHESTER

belief, and that the assets therein set
forth are bona fide the property of
said bank in it's corporate capacity,
and that no part Of the same has been
loaned or advanced to said bank for
the purpose of being exhibited as, "a
portion of its assets. .,'sr7s@s
W. H. NORRIS, President.
w. BYRON ROBINSON, Cashier
Sworn to before me and subscribed
in my presence by w. H. Norris and
w. Byron Robinson this Goth day Of
November, 1917 psi,
w. B. NORRIS,
Notary Public in and for Delaware
County, Iowa.
Attested by "
F. G. LARRABEE, sr
J. L. GILBERT,
Directors.
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28
Amount of Time De-
posits ----------6S,576 "a

Amount Of Time De-
posts -----------68,576 "a
Total tai =, DEPOSITS g
o oaReruT pr .aa after deductine 1000 %
expenses -----------------, s1O SO
Total Liabilities - ---.-.,----$139,140 ,26.
STATE OF IOWA. Delaware County-ss.
!. NJ. Lillis. Cashier of bank above
named. DO solemniy swear that the fore
70 the best Of my know'edse and c Ssiiei
and that the assets ther Elm set forth are
bona fide the property Of said bank in
Its corporate capacity. and that no part
ed to said bank for the purpose Of being
exhibited As . portion Of It's assets -
~ sa-.4s NJ. LILLIS.
81. ..,... .r Cashier.
26th day Of November, 1917
L. MATTHEW'S.
Notary Public in and for
Atte +: 8. III gK1rF1N, ~..
E. F. MULVEHILL,
RILEY DAVIS. ..... ~.
AT THE PLAZA. r
Tonight, VIM Russell, in The Frame
Up. ,.
Thursday, Matinee and night, Ethel
Clayton in Souls Adrift. ~ .....-a....-
Friday, Antonio Moreno, in Son of
the Hills.
Saturday, Hearst Pathe News. Camp
Dodge Events, and Comedy.
Sunday and Monday, Dorothy Phil
lipps in Bondage.
Tuesday, NOVEL; and Hart, in the
Pulse Of Life.
Coming Christmas, Mary Miles Min
ter, in Charity Castle.
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28
THANKSGIVING IN ARMY HOS
PlTAL DURING CIVIL war DAYS

Through the Kindness Burroughs Dundee The Democrat
Able to Give Its Readers Letter In Which the Writer His
Ideas Thanksgiving during the Dark the Civil similar
Scenes Being Repeated Thousands Of Homes War Stricken
and Belgium, at this Season.
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28

STATEMENT
Of tho condition Of Farmers Savings
Bank organized under the laws of Iowa.
located at Masonville. County Of Della
ware. 1T the close Of business on the
goth day of Nov, 1917, made to the
Superintendent of Banking.
ASSETS ...
Amount Of bills. bonds and
other evidence Of debt dis
counted or purchased actu-
ally owned by this bank $1O4OS5 81
Gold in vault ------ 1852 SO
Silver in vault .------ $40 rs
Legal tender national ....
bank notes and sub
Cash items, viz: Elk
chacEsS for next ..
days clearings 1888 ~ .-r 49,.
Other cash items ---- Is IS
Total Gold, Silver, Legal Ten
der. Drafts and Checks etc.. ~, =,
carried out Observation-Disclosures 2,7S5 81
Amount subject to be drawn
Solvent Banks Sa po ""--sn. .n 40
Overdrafts $50 So
Value Of Real Estate ------ 1886 90
Value Of personal property 1.70O 90
LIABILITIES"
Amount Of Capital Stock :. $4,000 90
Amount Of Deposits
subject to check --52,62l "a
Manchester Democrat. [volume] (Manchester, Iowa) 1875-1930, 1917-11-28
STATEMENT

STATEMENT
Of the condition of The Delaware Coun
ty State Bank. organized under the
laws Of Iowa. located at Manchester.
county of Delaware. at the close of
business on the goth day of Now,
1917. made to the Superintendent of
Banking.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
RURAL SCHOOL NOTES
Woods School, Ell PasO Joint District
Number z, Mary PurfeeTst,
Teacher

Mrs. Henry Traynor and Mrs.
Pat Grant visited school this week.
The Spring Days bring US many
new things to study; birds, flowers,
etc.
Donald Cameron of Duluth has
enrolled, making to enroll
nent of 46 for the Spring term.
We have 10 beginners now en-
rolled. They are, Beatrice Greeley;
Catherine Traynor, Lorraine NJ u /
p h y, Bernice Cunningham, J y
Grant, Irene Grant, Janet O'Con-
nell, .Eldon Hanson, Frank Glass
and Andrew Shafer.
Friday afternoon was turned into
a general cleanup day. Pupils and
teacher all together made con
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
SPRING VALLEY

!: + '':'
Born, to Mr.. and Mrs. NJ. Finn,
April %, a son.
Alexander Paulson returned from
Deer River Friday.
Arne Zauft went to Emerald last
Monday on business.
Miss Stella Kahut was home from
Elrnwood over Sunday.
Harve Bates of Elmwood h $
bought the Bass farm just north OF
town.
Eleanor, the little daughter of
Mr.. and Mrs. Guy Mccoy, has the
scarlet fever.
Miss Gena Kahut, who has been
working in Milwaukee, is home for
a short vacation.
Mrs. Elliss Wood of Trego visit
ed at the Frank Wood d +
Palmer homes last week.
Mrs. Chas. Bergevin and children
who have been visiting in ST. Pau
returned home Thursday.
Albert Sweeney who has beef
visiting in the southern part OF tn
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

Miss Lillian Swenson is spending
the week at the home of her uncle,
Martin Johnson, at Morton Corners.
Mrs. Roatch of River Falls and
Mrs. DOWN Of Ellsworth visited at
A. Merriman's Saturday and Sun
day.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
VIKING


Mr.. and Mrs. v, Thoen had their
baby baptized Saturday.
Mr.. and Mrs. Joe Ofstie and son
T,vle Of Gilman visited at E. Dar-
ielson's Sunday.
Mr.. and Mrs. Ray Lunger and
danohter Of River Falls spent Sun
dav evening at Ed. Hanson's.
Mr. and Mrs. Oscar Mattison and
children, Mr.. and Mrs. NJ TT n
Lamb spent Sunday at John Matti-
sons
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

siderable change in appearances
about the school, especially h e
yard. After a few hours Of hard
work all went on a fishing trip.
We are sorry to say that our fun
was interrupted by the rain, which
made US all seek shelter.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

Office stationery OF all kinds
printed on the best of stock, at
the most reasonable prices 1T the
Journal office.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
BELDENVILLE

( :. !.
Mrs. A. Howard is quite i'll.
Seeding is nearly completed in
this vicinity.
Miss Mae Snow of Moro, is visit
ing at Clint Shows.
The Frank Buck family visited at
Frank Otman's Sunday.
Earl Merriman of Black Duck,
Mimi, is visiting relatives here.
Mrs. Brinson visited at the John
Floody home few days last week.
Miss Gladys Dopkins spent Sat
urday and Sunday at her home here.
Miss Agnes Heacox is visiting
her aunt, Mrs. NJ. McCue of Fargo
Mr.. and Mrs. Chas. .Stewart were
Sunday visitors at Archie Stew
arts.
There will be Sunday school next
Sunday at IL a. m. Everyone vel
come.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
Ell PASO

:.
...+...:.:: + + !. !. =:
Harry Grant has enlisted in the
Armv.
Farmers are busy preparing the
soil for seeding.
Nellie G o d n entertained the
Ladies' Aid Wednesday.
Francis Murphy visited a. the
Max Sukowatey home Sunday.
Mrs. Cora Murphy and children
are visiting at Geo. Traynor's.
Mrs. Johnnie Bryand is visiting
her parents, Mr.. and Mrs. Geo
Traynor.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
NeighbOrhOOd News
g
Items OF interest by correspondents in Pierce and
St. CrOix

ST. CrOiX Counties

state returned home Thursday.
The Junior Prom. and the club
dance combined, will be held in the
village hal Friday, April 9th.
The Dougher,y Stock Co. gave
their last show in the village hall
Monday evening They expect to
ret Urn some time in June.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
PLEASANT VALLEY

Thomas Thone has a new car.
Mrs. Wallace Smith has been vi.
iting in River Falls.
G Burkett was caller at the Oh
son home Saturday.
G A. Chinook attended the
creamery meeting at Martell cream
cry Saturday.
Mrs, Jackson Prisk and Miss Net
tie Jackman spent Wednesday after
noon at Mrs. G. A. Chinnock's.
Mr.. and Mrs. S. A. Jacktnan,
d laughter Nettie, Mr.. and Mrs. Jack
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

son Prisk, Mr.. and Mrs. Samu !
Phillips of River Falls motored to
the S. H. Lewis home Sunday and
spent a very pleasant day, the oc-
casion being Mr.. Lewis's birthday.
+ !: + .::.'::'.::'
b !.
!. SOUTH MARTELL i.
3 !.
:. !. s'..3
A. Albertson is having his house
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26
SOUTH MARTELL

A. Albertson is having his house
reprinted
Miss Sigrid Hagestad is home
from the cities.
Rev. and Mrs. NJ. Thorsen spent
Sunday at E. P Bjerkeng's.
Miss Lucy Wadsworth spent Sun
day at her home in River Falls.
The Ladies Aid will meet with
Mrs. L. o. Moen in the town of Ell
Paso May 8.
Mr.. and Mrs. M Messing and
Melvin Messing and family spent
Sunday at B. A. VERSIONS.
!. : + +
WEST TRIMBELLE
i. !. i: /: !.
Julius Huppert has started builG-
ing his barn.
Invitations are out for the Mier-
Drake wedding.
Born to Mr.. and Mrs. Gee. Killiar
April 10. daughter,
Miss Gladys Halverson of the
Normal is teaching in Dist. No. 5
Ed Adolph and Anna Mark o.
Prescott spent Sunday at the Fas
bender home.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

A large number of our young
people took in the Easter dance at
Ellsworth.
The roads are beginning to get
in shape again. Autos are slowly
getting out.
Mrs. John Murphy and son Fran
els visited at the B. Cary and J.
Mccain home Friday.
Henry Traynor are m " i g
their household goods to his falh-
er's place Mr.. and Mrs. Traynor
have not decided on their future
home.
Mrs. Pat MulholIand visited at
Jim O'Connell's recently.
.:.:..s.s; + !: 3 |'s*'s*':'s':
j. FORESTVILLE :
!. !: i: !. :s-s
Nels Peterson is able to be about
again.
MIS-. Ida Rupert visited at Percy
Gray's last Tuesday.
Mrs. G. B. Cheney visited at Cur
It's Truesdill's last Thursday.
Miss Ruth Fessenbecker of Rob-
erts is visiting at Ed Bredahl's.
Mr.. and Mrs. Ola Florness of Far
go visited at l. Rhoda's Sunday.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1917-04-26

+ 5. 5; !: ): !: !: + + +
Mrs. VIM. Anderson is very i'll.
Chas. Olson made a business trip
to Elmwood Tuesday.
Lennie Moen has purchased a
horse from Alex Hangrose.
Ole Sheldren left Tuesday for a
visit with relatives in Minnesota.
Several young people spent Sat
urday evening at the G. E. Meehan
home.
Albert Hansen of Mandan, n. D.,
is here for a weeks visit with his
parents.
There was a birthday party given
for Miss Hurley Of Ellsworth at the
| Jones home Friday evening.
Omaha daily bee., 1917-09-30

$322,l7382. The item Of real es-
tate, office and other real estate" to-
taling $897, ,372.46, gives an impress
sion of lax management unwarranted
by the facts. In the report for 1916
the late Secretary Royse pointed to
this item as evidence OF inflated loans.
Examination gives a different aspect
to the figures. Four Office buildings,
projected or occupied by three Oma-
ha associations, account for one-half
the real estate total. All OF them are
income producers and rising in value.
Grand Island and North Platte asso-
Citations own permanent Office homes.
These six association homes represent
total investment OF $50l 1885, leaving
the actual real estate holdings taken
over through defaulted loans 1896, ,487.
In other words three-fourths of per
cent OF all real estate mortgages have
come into possession OF associations
ut the close OF q quarter of century
OF state supervision.
Real estate In process OF foreclosure
and subject to foreclosure has lit
tie actual bearing on association busi-
ness methods. They arise from busi-
hess difficulties of borrowers, sickness
or other misfortune. Most of the
cases are settled in or out of court,
Omaha daily bee., 1917-09-30

or the equity Of the borrower sold to
others. Subject to foreclosure" is
particularly misleading. Under the
law borrower delinquent for three
months is subject to foreclosure, but
the rule, enforced in chronic cases,
serves as an efficient prod for lag
gardsN
Reserve Fund Safeguards.
Shortly after the state banking de-
partn1ent assumed supervision of
associations the change from serial
to permanent association began. Sc
rial associations are those issuing
shares in series, each series independ-
ent in itself and requiring regular
weekly or monthly payment until
maturity or par value. following the
original system started in Phlladel-
phia eighty-siA years ago and still in
vogue in that city. The so-called per
manent plan had its. rise2in Ohio forty
years ago and is distinguished from
the serial in each account being inde-
pendent. sharing pro-rata in profits
divided quarterly or semi-annually
and withdrawable on thirty days no.
tice. In the serial system the larger
share Of profits are withheld for di-
vision at maturity of shares, and are
subject to any losses sustained in the
Omaha daily bee., 1917-09-30

given series. The permanent system
necessitated the creation of reserve
funds to meet possible losses and the
law fixed the amount at S per cent OF
the annual net profits. Fifty-four
associations are on the permanent
plan, thirteen retain the serial system
and six associations combine both
systems. The reserve fund now
amounts to 1909 .284.11 and is avail
able solely for losses in mortgage
loans. This in itself is a bulwark OF
strength. But in addition the associa-
tions report undivided profits of 1884,
2904S, making total reserve Of ST.
843,683.S9 to meet contingent losses
from real estate on hand and in pro-
cess of foreclosure Even if these two
classes OF defaulted accounts proved
a total loss, an impossible result, the
drain on the reserves would barely
amount to one-third.
Profits and Interest Charges.
During the twelve months covered
by the last report dividends amount
ing to 1884 .694.04 were declared on
installment shares and $7o9, ,46lN on
full-paid shares. The average rate on
installment shares was IA per cent
charged borrowers remain abnormally
and on full paid shares 6.2 per cent.
Omaha daily bee., 1917-09-30

In some quarters the rate of interest
high, the average rate being 81 per
cent together with premium rate
averaging 2.9 per cent. Permanent
associations as rule long ago
abandoned the premium system for a
straight charge. The report does not
show how many retain it Omaha
associations combined represent a lit
tie more than Qne-half the total as
sets. With one or two exceptions no
premium charge is made and the rul-
ing interest charge was sc per cent,
up to April |, when three local lead
ers reduced rates TO 6 per cent
straight. To strike an average inter
est rate of 81 per cent with much
lower rate on half the business, it is
evident that interior associations
Omaha daily bee., 1917-09-30
SAYINGS SOCIETIES
SHOW BIG GROWTH
Record of Quarter of Century
of Building and Loan Asso-
Citations is Most Re-
markable.
By T. ]. FITZMORRIS.

A quarter OF century of state su-
pervision plants guide post of pro-
gress in the twenty-hfth annual re-
port of the state banking board COW
ering the business OF Nebraska build
ing, savings and loan associations for
the twelve months ending June 80
last, The years spanned since the
first report in 1892 constitute a rec
ord of cooperative development
creditable alike to the fostering care
Of the state and the men who di-
rccted the affairs of associations.
In 1892 the combined assets OF sew
enty-one associations totaled $780,
5S7 with $4,000 shares in force. To-
day the assets o. scventy-three asso-
Citations total $54 4,54S,629, represent
ing The savings OF l0l.869 share-hold-
ers and l,l3j, $50 shares. This is a
normal years gain of $6,627782 in
assets, more thar double the total
y OF 1892, and an increase of $4,000
over ide record OF the preceding
Twelve months.
Woven into the warp and woof OF
the quarter-century growth is a story
of struggled e<pcrseverance and sacTi-
fee. of unsellish work and devotion
to the ideal of mutual self-help. Hard
work gratuitously given, coupled
with confidence and a fighting spirit,
we're the forces which pulled Ne
braska associations through the pain
fully lean years of the '90s and
fought off the blight and threatened
disaster of nationwide speculative
concerns using the name of building
tard loan association. The success
which local associations subsequently
won is due in large part to state sn-
perYiSion and the protection and Ell
enlargement afforded by sympathy
and sense in law enforcement
Margin of Safety in Loans.
Several features of the report de-
serve special study. The foundation
Of association strength and per-
manence rests on the homes Of bor-
rowing members. Homes are the
chief security for loans, restricted by
law to first mortgages. Experience
in Nebraska and the country over
ranks the home loan at the top OF
real estate securities provided the
lenders margin is on the safe side
In practice three or more officers in
spect and appraise property for loans
and determine the amount OF the loan
both from the appraised and the COM
munity standing and earning ability
OF the applicant. These methods es-
tablish the relation of loans to the
margin of safety. The report shows
that the mortgage loans totaling $48,-
617,70o are secured by property ap-
praised at 9.-,SSs,o28.52, more than
double the amount Of the loans. Fire
insurance to the amount of $685.
$50 and tornado insurance totaling
are held by the associa-
tions as collateral security. Tornado
insurance is comparatively new ad-
ditional safeguard, its rise dating from
Omaha's famous Easter Sunday
blow.
Analysis Of Real Estate Holdings.
The report notes slight increase
in real estate in process OF foreclos-
ure and subject to foreclosure, but
these are offset by an increase of
$65,000 in real estate sold on contract,
the total of the latter standing at
Omaha daily bee., 1917-09-30

cater more to the investors than The
home maker.
A fact OF much significance in this
connection is the marked increase in
the number of investing members
holding full-paid shares. Ten years
ago full-paid shares represented one
eighth of the whole. Today they rep
resent 40 per cent of outstanding
shares. In like manner the proper
ton of non-borrowers to borrowers
has decreased from 3 to l to 2 to l.
The money of both classes of share
holders serves the same useful end. 1t
financed 2,646 new building loans dur
ing the year and 4,300 loans on i'm
proved property.
One of the many striking features
of the business aggregating in round
Omaha daily bee., 1917-09-30

figures $54, 100000 in assets is the low
cost of handling the fiscal years re-
ceipts.' The outlay for twelve months
itemized as salaries, commissions and
other expenses, totals $435, l4O.34, or
>three-fourths of per cent of the as
sets. The average cost OF operation
throughout the United STATES is
slightly under nine-tenths OF per
cent.
The saving makes more secure Me-
braska's rank as the eighth state in
this class of CO operative development.
1t outranks everv state west OF the
Mississippi and south of the Ohio.
With a record untarnished by dis
honesty or serious failure, Nebraska
associations move forward to greater
prosperity and usefulness.