davidaulloa/AmericanStories huggingface dataset:
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
A FEELING OF SECURITY

You naturally feel secure when you
know that the medicine you are about to
take is absolutely pure and contains no
hsrmfui or habit producing drugs.
Such 4 medicine is DR.. Kilmer's Swamp
Root, kidney. liver and bladder remedy.
The same standard Of purity, strength
and excellence is maintained in every bot
tie of Swamp Root.
IL is scientifically compounded from
vegetable herbs.
II is not a stimulant and Is taken in
teaspoonful doses.
II is not recommended for everything.
II is natures great helper in relieving
md overcoming kidney, liver and bladder
troubles.
A sworn statement OF purity Is with
every bottle of DR.. Kilmer's Swamp
Root.
II you need a medicine, you should
nave the best. On sale at all drug stores
bottles Of two sizes, medium and large
However, II you wish first TO try this
treat preparation send ten cents to DIR.
Kilmer & Co., Binghamton, N. Y, for a
sample bottle. When writing be sure
and mention this per.-Advertisement
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10

VOIJu JUST SulCS MS
,aste as IL is that
his veteran prose-
.uting attorney, way
,ut In Walla Walla
Ihould postpone
luties to his State,
lis family, and his
private affairs to sit
Town and write u .
! note Of appreda-
htion. NJ
We liked his
~ letter and are
4 proud Of the to-
: bacco that in-
spired him to
write it. Almost
every mad brings
n from Edppworth
4 e. ,,nox~l:osAal
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
On the Anxious Seat

Al the Brlghtwood branch library
one little girl was much Interested In
the book reading contest. However.
sho wasn't Interested to the extent
thai she would make the effort TO
read the ten books necessary to re-
celve a diploma.
After the contest was closed AMI
the winners had received their dlpl0-
mas. Sue remarked, "If there are any
diplomas left. believe will take
enc. News.
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
Bit by ait.

1.-THE regImentai riding school Isn't
proving much OF a success"
"Not horses enongt?"
"Oh, yes. but the pupils are fnlilng
Off every dAy."--American Legion
Weekly.
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
American Miners outdlg Russians.

FnerIcan MIners OutdI9 HusSIans.
American coal miners, thrown out
of work by the five months strike In
the United States. have been drifting
into the pits of the Donetz basin In
Russia.
The Bolshevlk government NJ Mos,
COW announced the other day that "
Americans la the Yusowlki mine had
established a record by digging In one
day two and onehalf times as much
coal as did the same number OF Rus.
sian miners. II IL understood that
more American miners are on their
way to Russia.
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10

smokers-uncalled for, unsolicited.
and unexpected.
Perhaps it is too much for us to be-
lieve that Edgeworth smokers as q
whole are generous, bfg-hearted fell
lows who never miss an opportunity
to boost their fellow men. Perhaps
1t isn't.
At any rate, II you aren't an Edge
worth smoker, we want to put you in
aposition to qualify as one. We should
like to send you free samples-gener-
Gus helpings OF both Edgeworth Plug
Slice and Ready-Rubbed.
Just iot your name and address
down on a postal and we will send the
samples Immediately. II you will also
include the name and address Of your
tobacco dealer, we shall appreciate
your courtesy.
Edgeworth is sold In various sizes to
suit the needs and means OF all pur-
chasers. Both Edgeworth Plug Slice
and Edgeworth Ready-Rubbed are
packed in small, pocket-size packages.
in handsome tin humidors, and also In
various handy in-between sizes.
For the free samples address Larus
& Brother Company, so South 21st
Street, Richmond, Va.
To Retail Tobacco Merchants: II
your jobber cannot supply you with
Edgeworth, Larus e. Brother Com
pany will gladly send you prepaid by
parcel post a one or two-dozen carton
Of any size OF Edgeworth Plug Slice or
Ready-Rubbed for thesame price You
would pay the iobber.
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10

As you see, it isn't so much that
another smoker has found that Edge
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
Now Book Ends lnvented.

Because book ends relying on their
weight have tendency to slide apart
on smooth tables an inventOr has pat
ented n pair mounted on rollers and
held together with spring TO keep
them against books between them.
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
The Dealer.

Then yea approve Of women wear
Ing PANTS as well as skirts?"
"Wky motif I can sell bothT
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10

There is always a fsol Mt one END
OF fln'terer's tongue-ana sometimes
nj both ends
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10

A wide-awake man wnItS until nigh
for hts sleep.-"Aesops Film Eal,Ies'
Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1922-11-10
A Knockout.

Blx--I see that famous doctor has
placed his q. X. on pie FOR breakfast.
Dlx-It would be q no for me.
Evening star., 1922-07-30

what has become Of their commercial
trade and the fadeeal reserve banks
maintain an. average ratio Of reserves
up in the high 70s, unable to make
anything like they did In the good
old days in the way Of earnings
through rediscounts. =
Easy Money, Too. -
And another resuit-money on call
81 per cent and time money 81 to
for government four-year ~ per
cent notes and all certificates Issued
by the Treasury to make them sell
at premium
The ease in the money market.
largely the result Of this changed
method Of merchandising, has never
been SO prolonged. and is drivins
banks to greatly increase their in
vestments. ~
Therein has been one. Of the great
est sources Of profits banks have en-
joyed during the present year. the
premium on bonds purchased, thou
being earned from liberty issues and
from corporate bonds, carrying with
them the most absolute insurance as
to safety and income
To return to the possibilities Of sale
and bank mergers. Many have been
dltemplSUs u lew nave gone dCIObs
In safety. It Is a good half mile from
the Merchants Bank and Trust Com
pany to the American National Bank
This was one great handicap in the
negotiations. although 1t may not
have been discussed In. the least.
Then again the American has a fine
bank building which must be con-
sidered in any negotiation for sale
or merger. 1t is in a good location
is good building and possibly might
have been sold to advantage.
But the ideal acquisition and the
one to which efforts will probably. be
directed in the future is where the
acquired bank or institution may be
used as a branch of the parent m:
stitution.
Too bad that there is no synonym
for the word branch" which seems
to be averse to the views of some
authorities.
But branch banking is going on IN
the United States at q great rate
today, and the downtown institution
handicapped as to parking regula'
tions and with widely distributed
clientele, should be ready on tht
moment to make a merger that vii
give 1t location desirable or the renta
Of a desirable place where hTancf
may be put oasa sound basis.
Evening star., 1922-07-30
VARIOUS CONSIDERATIONS
GOVERNING BANK MERGERS
Comment Anent Developments Of the Past
Change in Merchandise Methods.
Holding Deposits Time Theories.

h.e credit lines. frequently not at
all.
AS far back as March and April
the changed method Of merchandis-
time, just. as indefinite today as It
/. was then. was discussed in this col
umn. and its full effect on the none!
market of, the immediate and distan,
future predicted In way that has
pc Seen aon,, fuiiy realized to Iate and wi VII
during all Of 1922 and probably for
much longer period.
New Methods.
Attention was called at that time to
the fact that merchants. retail and
whofesale, and jobbers and manufac-
eurers as we'll. had passed through the
toughest period in their history; that
they had been busy for months and
months fiquidating old stocks, manu-
their inventories as best they could
through price concessions. and retail
ers working overtime in working of
old goods at the best prices possible.
The lessons then learned. taught by
sad experience and learned by poorer
but wiser men. had been so thorough.
ly acquired that nevermore. until
the scars had healed and been for
gotten, would the retailer carry two
stocks on his shelves: nevermore
would the Jobber extend his stocks
and credit lines to bursting. nor
would manufacturers stand for swol-
len inventories and credits at the
same time.
The result-manufactur jobbers
and retailers keeping pact with the
demand for goods and not exceeding
it: merchants making many trips to
market for replenishments, and
thereby saving on insurance and in
terest-while the bankers wonder
Evening star., 1922-07-30
BY I. A. FLEMING.

With rumors of purchases and
sales Of banks and efforts for a
merger resulting in nil during the
past week. the question constantly
discussed by bankers invariably CEN
ters around the possibility Of a buy
ing bank holding the deposits of the
purchased institution.
Therein lies the problem for bank
ers with ideas for assimilation in
their minds.
Time was when it might have been
possible for a bank to have held
probably 80 per cent of the deposits
Of another institution for a time at
least, provided the two institutions
were reasonably close as to location.
1t would be dificult for 7th street
bank to hold the deposits of 18TH
street institution to anything like
90 per cent. Indeed after a short time
it would be difficult to retain fair
share of the business.
mate founded on the old method OF
doing business, a method that has
taken itself out Of the money market
as a factor of today.
Time was when depositors were
borrowers to a very large extent
for a new credit line before bank
accounts were shifted. Moreover.
the feeling that long time business
relations with a bank was in the
nature of a credit mark irrespective
of DUN or Bradstreet and 1t was a
unless the depositor was peeved or
dissa tisfied at something.
Today the depositor is not. per Sc.
a borrower. rarely to the extent of
Evening star., 1922-07-30

l.
President of International Exchange
Bank.
s75o.ooo second trust notes will be
offered.
1t was generally understood that
be offered here, although some OF the
circulars have found their way into
local institutions.
Personal Mention.
John Joy Edison, chairman Of the
beard of directors of the Washington
Loan and Trust Company, is nearing
California. having undertaken the
trip few days ago. The veteran
much pleasure from the trip, which
many Of his younger contemporaries
might have dreaded.
The delegates to the annual con-
vention of the American Institute OF
Portland. Ore. are expected back in
Washington with Monday morning.
An Anniversary.
One of washington's youngest
banks will celebrate its first ami
versary with August 1. One year
ago initial deposits were $1,000
The year has brought Mr.. Schiavone
banking methods have been approved
and his application for associate
membership in the Washington Clear
ing House favorably acted on by the
committee which delved into the
banks business and methods and
gave it their o. K.
The International Exchange Bank
is a member of the District of Co
lumbia Bankers Association. of the
Chamber Of Commerce and the Amer
lean Bankers Association.
At the end of the first year the
deposits total more than $500. 600.
largely savings accounts, with very
few checking.
Mr. Schiavone is a graduate lawyer,
has been a large operator on foreign
exchange through his bank and has
a large following among friends in
nearby states.
The bank also operates a steamship
agency. representing all lines. this
department being in charge of AL
! fred c. Machler, formerly connected
with the North German Lloyd.
The past week was attended with
more or less dullness in the local Sc
curity market. While there was nc
actual weakness, it looked very much
as If the street was waiting to see
what would turn up.
The much talked of sale of 27.50C
shares of Railway common seems to
Evening star., 1922-07-30

There are places in this city where
good men would welcome q a.reliable
bank as AN entrant for business
witness the efforts Of the promoter,
who. for much or little, through
friendship with lead ng citizen or
two prevails on others to invest in
a bank. not one bit Of the money COM
ing through friendship for the pro-
moter. and then takes rich fee for
organizing 4 bank. which he never
could have put over but for the fact
that the best people in the neighbor-
hood had used their influence.
Banks have been formed in this city
with all kinds of-inducements to pro-
fessional promoters. and the Mills
paugh bill will. It is hoped, prevent
some banks from starting.
Southern Building Dividend.
Directors Of the Southern Building
Company have declared $3.50 asshare
dividend on the preferred stock and
so cents a share on the common stock.
That Big Mortgage.
The big mortgage on the Walker
Hotel property-s4.2oo.0 .0oo-is to be
followed by an issue of $4,000, 900 pre-
ferred stock. which will be offered
on the local market. If the stock is
sold there will be no second trust 'on
Ithes hotel property, otherwise the
Evening star., 1922-07-30

have turned down. at least it has not
turned up.
1t will be interesting to see If the
market has the stamina to hold at
around present prices for Railway
common.
The preferred stock, Capital Trac-
ton, all bond issues, Lanston and
Mergenthaler shares and even Rail-
way common are said to be possessed
of sufficient inherent strength to
pace the market to higher figures.
holders of Utilities notes make will
be for a distribution of the stock OF
the railway company, that they may
have something of tangible value.
Business Is Good.
There is no question but what bus
mess would be very much better in
all lines if the strikes were ended
Everything is reported in splendid
shape and the crops promise excel
lent returns.
Collections Better.
A junior banking official, comment
ing on the changed merchandising
methods of the day, made this state
ment:
Merchants are not selling bills OF
goods to be paid for in sixty. ninety
to 120 days-that is, except the regu.
lar installment houses.
Time was when partial payments
might be made with practically ANY
ended. Moreover. the practice OF
holding aloof on collections from
month to month is over.
The merchant expects his bills to
be paid monthly, and credit stops
when payment is not made"
Evening star., 1922-07-30
LIBERTY BONDS AT a. GLANCE
The Year 1922 to Date on the Washines on
Stock EXCHANGE.

Up to and including Friday, July Is, 1922.
Furnished by W. b. Hfbbs 4 Co.. Hibbs Building
Evening star., 1922-07-30
NEW YORK BANK STATEMENT

NEW YORK, July 2s.-The actual
condition of the clearing house banks
and trust companies for the week
shows that they hold s3s.623.5oo in
excess of legal requirements. This
is a decrease Of s4,257,22o from last
week.
The statement follows:
Actual condition:
Loans. discounts. etc, s4,643.6s4. 600;
increase. s32.s43.000.
Cash in own vaults. members Fed
eral Reserve Bank, S5e.53S,ooo; de-
crease. S52s,0o0.
Reserve in Federal Reserve Bank
of member banks, s553,75s, 900. de-
crease. S5,2s0.o0o.
Reserve in own vaults. state banks
and trust companies. S1,130,oOo; in
crease. s115,ooo.
Reserve in depositaries. state banks
and trust companies. S1o.045,0oo; de-
crease. s156.o00.
Net demand deposits. ss.s57 $50. 900;
decrease s17,740,ooo: United States
deposits reduced. s25.7soeoo.
Time deposits; sts7'soo,coo; in
Circulation, ss3.7ss.oco; increase
''S SSSpesate reserve, s57o.s34.ooo.
Excess reserve. sss.623,5so; de-
crease, s4.257,2 ,22o.
Summary of state banks and trust
CO hanies in Greater New, York, not
in 1 lded in the clearing house state
me.It:
Loans. discounts, etc. S74s,47o.6ooi
increase. $111.3oo.
Gold, s5.5a4,2o0; increase, 5000.
Currency and bank notes. .S17,6o4.-
700: decrease. S273.9o0.
Deposits with reserve banks of New
York. s65.o5o.500: increase. $1,5ss.7oo
Total deposits, S7s5,7s9,oo0; de-
crease. S4.176. 800.
Total deposits. eliminating amounts
due from reserve depositaries and
other banks and trust companies in
New york and United States:
Deposits, s746,s7o,5oo; increase
S449, 800. ,oo
banks cash in vaults, $11.237.200
Trust companies cash in vaults
S11,s51,790.
Evening star., 1922-07-30
STRIKE CONTINUES
TO WORRY MARKE'
Unsettled Conditions Aga
Show Influence and Brin,
Irregular Trading.

NEW YORK, July os-Outsta.
ing developments of the week IN /.
! financial and industrial markets l.
J little doubt that all other conside
ations were being made secondary
the coal and railroad strikes. Pric
! in the stock market were irreeula
! the weakness of the first few da.
being followed. by recovery. fn
week end prices being more ne
/ the higher levels.
Rail shares. several of which ma
! new highs for the year, led the Ii.
I June earnings. with few exception
were regarded as highly encoura
ing. while latest available figures
carloadings Of revenue freight inG
Gated that the shopmen's strike h
! not greatly affected car movement
Reports Show Improvement.
Quarterly reports of the Unit,
; States and Bethlehem Steel corpo!
ations reflected marked bettermen
! in the leading lines Of manufacture
! Steel common earned the better par;
! of the dividend in contrast to the
! previous quarter when not all of the
preferred dividend was earned.
The general business situation OBJ
/; viously has been retarded by strike
conditions, but leading authorities be
lieve that conditions have not YET
become alarming enough TO serious
+, ly threaten an early resumption Of
/ the industrian revival America
mercantile authorities reported &C
tual curtailment of production due
mainly to slackening of demand.
! Monetary conditions were un-
! changed from the previous week save
! in that the rate for call money
! showed an easier tone. Borrowing
/ of time funds were comparativelv
! small because of the uncertainty pre-
vailing in the commodity markets
Anxiety Over Foreign Situation.
The foreign situation was again
| the cause of much anxiety S denoted
(! by the extreme demoralization OF
J German marks. German money ha
J sunk to level where il practically
ceases to have any value S medium
of exchange and the Austrian rate
/, almost has reached the vanishing
point.
Bankers in touch with Europea
conditions see no hope Of immediate
| Improvement in foreign affairs. Pri'
F.. vate advices from London and Paris
! stated that no change from the pres
ent critical situation was likely
pending a definite understanding be,
| tween the heads of the British arc
| French governments.
Evening star., 1922-07-30
GRAIN AND PROVISIONS,

CHICAGO. July 29-Talk of settle
ment in the railroad strike ana ap-
sence of outside interest led TO down =
turns today in the price OF Whea !,
Al the finish wheat was down Is 10
i cent, with September l-O7B TO LOS
and December 1.10 to l1oh; corn de-
clined q to ! y cents: oats were un
changed to H. and provisions 2iz 10
, Is cents higher.
Trade in wheat was light and the
tone weak. Absence of outside inter
est and the call for a peace meeting
among the chairmen of the shop
crafts in Chicago. following the pro-
posal of President Harding in an ef-
fort to end the walkout. We're the
principal factors. Almost all the ac-
tion in the wheat trade occurred dur
ing the last thirty minutes. the fluctu-
ations before that time being con-
fined to a narrow range, but moder-
ate selling by hedgers and local longs
caused a break of more than cent
in few minutes time. big east
ern house picked up wheat, and a
rally ensued to the early high point.
but a little reaction toward the finish
carried the prices down. Receipts of
wheat here were 400 cars, and dellv-
cries on July contracts were 10000
bushels.
Trading in coarse grains was dull.
prices being weak with wheat. Rains
over the corn belt. where much need
ed, and the forecast for more mois-
ture over. Sunday was a depressing e
factor in tn ecorn market.
Provisions were strong, in line with
higher hog values.
NEW YORK. July 2s.-Wheat-
Spot steady; No. / northern spring.
l.54k: No. 2 red winter. 1921: No. ;
hard winter, 1.31 Y; No. l Manitoba.
1881, and No. mixed durum. l.2s Il
elf. track New York. spot.
Corn-Spot steady: No. 2 yellow
and No white, san, and No. :
mixed, s3%. elf. New York, all rail.
| Oats-Spot quiet; No. 2 white. A..
Lard-Firm; middle west, 12.ooa
| Other articles UNCHANGED
Evening star., 1922-07-30
CorToNsEED OIL REPORT.

NEW YORK, July 2e.-Cottonseed
oil was higher despite retenders OF
1900 barrels on August contracts
owing to the firm showing in lard
and covering for over the week end;
August closed IL points higher. and
the balance 2 to net. higher. Sales.
$500 Barrels. Prime crude. nominal ;
prime summer yellow. spot. 1880:
Septembef..s 1913; December, S.3e;
March, s.46; all bid.
Evening star., 1922-07-30

tom report next week. Dress goods
were Hrmer with keen interest shown
in the preliminary openings of next
week Burlaps and linens were
quiet. Silks had a slow and Steady
gain in demand.
Evening star., 1922-07-30
COTTON GOODS MARKET.

. NEW YORK. July 2s.-Cotton goods
and yarn markets were steady. and
quiet today, trade being very light
in anticipation Of a government cot
Iron County news. [volume] (Hurley, Wis.) 1913-1950, 1922-11-04
Instructions to Voters
ton and guidance of voters:


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Iron County news. [volume] (Hurley, Wis.) 1913-1950, 1922-11-04
NOTICE OF GENERAL ELECTION
To the Electors of Iron County,

1922
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Iron County news. [volume] (Hurley, Wis.) 1913-1950, 1922-11-04

congressional legislative and
adof without
be thereon write the place