EAST WEYMOUTH SAVINGS BANK, EAST WEYMOUTH.

714 BROAD STREET.

Incorporated February 20, 1872. Number of corporators, 39; number of trustees, 17.

FREDERICK L. ALDEN, President.

H. J. TREVOR PRING, Treasurer.

CHARLES D. SHEEHY, Clerk of the Corporation.

Board of Trustees: F. L. ALDEN, C. B. CUSHING, W. A. DRAKE, W. C. EARLE, W. J. FITZSIMMONS, JAMES FORD, B. P. FRENCH, M. P. GAREY, BRADFORD HAWES, W. A. HODGES, W. J. HOLBROOK, E. E. LEONARD, G. W. PERRY, C. H. PRATT, W. M. REAMY, W. M. TIRRELL, S. B. TOTMAN.

Board of Investment: F. L. ALDEN, W. C. EARLE, W. J. HOLBROOK, G. W. PERRY, S. B. TOTMAN, C. H. PRATT.

Auditing Committee: W. J. FITZSIMMONS, G. W. PERRY, B. P. FRENCH, E. E. LEONARD.

Deposits draw interest from tenth day of January, April, July and October; dividends are payable April 10 and October 10. Business hours: 9 A.M. to 3 P.M.; Saturdays, 9 A.M. to 12 M.; also on Mondays, for deposits only, 7 to 8.30 P.M.

12 loans on personal security

$144,174 60

354,392 25

69,187 50

30,140 00

9,038 90

904,136 30

Bank building and fixtures (estimated value, $23,000; assessed value, $23,000)

Real estate by foreclosure, etc. (assessed value, $60,258)

Taxes, insurance, etc., paid on mortgaged properties

Suspense accounts

Deposits in national banks or trust companies

Cash and cash items

Total Assets

143,500 00

21,690 42

59,533 75

885 04

287 30 17,119 00 3,329 00

$1,757,414 06

Liabilities.

Due depositors on 3,896 accounts, averaging $424.39 each

(Accounts opened during year, 609; closed, 479; increase, 130)

Surplus:

a. Guaranty fund (4.40% of deposits; decrease during year, $16,624.90) b. Profit and loss (decrease during year, $11,448.97)

$1,653,438 31

72,797 10 8,744 51

4,111 74 18,289 50 32.90

Rates on Investments and Loans (Average on All, 5.23%).

Real estate loans (average rate, 5.72 per cent): 5%, $194,425.65; 5%%, $117,430; 54%, $2,900; 6%. $584,832.15; 6%%, $1,617.50; 7%, $2,631; 8%, $300.

Personal loans (average rate, 5.84 per cent.): 54%, $100,000; 6%, $35,500; 64%, $8,000.

Bonds, stocks, etc. (average rate on amounts invested, 4.38 per cent.): 3%, $38,000; 4%, $195,000; 44%, $92,300; 42%, $155,000; 44%, $29,090; 5%, $106,000.

Number of loans not over $3,000 each, 361, amounting to $476,741.30. 29 real estate loans made during year, amounting to $68,400.

Dividends, Deposits and Withdrawals.

Ordinary dividends declared during year: April, 1919, 2%
Oct., 1919, 2%
Number of deposits during year, 5,273, amounting to

Number of withdrawals during year, 3,067, amounting to

Net increase in amount due depositors

$31,540 10

31,439 50

315,674 22

$378,653 82

350,097 37

$28,556 45

ELIOT SAVINGS BANK, BOSTON.

165 DUDLEY STREET.

Incorporated February 4, 1864. Number of corporators, 62; number of trustees, 24.

ALBERT E. CARR, President.

FRANK E. GRANGER, Treasurer.

SETH A. FOWLE, Clerk of the Corporation.

Board of Trustees: S. G. ADAMS, C. E. ALDRICH, AUGUSTUS BACON, JUDSON BALDWIN, C. T. BARRY, D. M. BLAIR, J. F. F. BREWSTER, A. E. CARR, C. L. DENORMANDIE, S. A. FOWLE, A. F. HAYDEN, C. L. HAYWARD, G. P. HODGDON, FRANK HOUGHTON, W. S. LELAND, F. W. MENDUM, F. N. NAY, GORHAM ROGERS, F. N. RUSSELL, L. D. SEAVER, W. H. SLOCUM, F. E. SMITH, S. E. TINKHAM, F. O. WHITNEY.

Board of Investment: A. E. CARR, W. S. LELAND, C. L. HAYWARD, GORHAM ROGERS, C. E. ALDRICH, L. D. SEAVER.

Auditing Committee: L. D. SEAVER, G. P. HODGDON, FRANK HOUGHTON.

Deposits draw interest from second Wednesday of January, April, July and October; dividends are payable the Thursday following the second Wednesday of April and October. Business hours: 9 A.M. to 3 P.M.; Saturdays, 9 A.M. to 12 M.

96 loans on personal security

Bank building and fixtures (estimated value, $120,000; assessed value, $120,000)

Real estate by foreclosure, etc. (assessed value, $186,900)

2,446,364 55

123,800 00 125,466 59

206 52 84,912 01

$9,455,456 40

Due depositors on 19,959 accounts, averaging $441.45 each

$8,810,923 37

(Accounts opened during year, 2,372; closed, 2,105; increase, 267)

Surplus:

a. Guaranty fund (4.94% of deposits; increase during year, $16,129.13) b. Profit and loss (increase during year, $1,871.96)

435,623 16 137,973 03

Amount paid for

Total Expenses for the Year, including State Taxes.

State Tax (Net). Salaries.

Rent. Advertising. Other Expenses. Total.
$19,472.05 $17,884.77 $5,000.00 $300.40 $5,233.09
2.06
1.89

Cost per $1,000 of assets
Cost per $1,000 of assets not including State tax and rent

.53

.03

$47,890.31

.55

5.06

2.47

Gross income received during the year, $447,586.20.

Rates on Investments and Loans (Average on All, 5.08%).

Real estate loans (average rate, 5.74 per cent.): 4%%, $31,500; 4%, $3,000; 5%, $388,600; 5%, $8,880; 5%%, $689,075; 6%, $1,893,010.

Personal loans (average rate, 5.71 per cent.): 5%%, $1,215,000; 5%, $367,100; 6%, $864,264.55. Bonds, stocks, etc. (average rate on amounts invested, 4.12 per cent.): 3%, $25,000; 3%, $1,111,700; 4%, $1,336,500; 44%, $498,850; 4%%. $328,000; 44%, $262,100; 5%, $85,000; 6%, $75,000; 14%, $3,000.

Number of loans not over $3,000 each, 366, amounting to $728,965. 50 real estate loans made during year, amounting to $271,750.

Dividends, Deposits and Withdrawals.

Ordinary dividends declared during year: April, 1919, 24%
Oct., 1919, 24%
Number of deposits during year, 30,136, amounting to

Number of withdrawals during year, 16,752, amounting to

Net increase in amount due depositors

$181,392 28

185,414 05

1,714,103 70

$2,080,910 03

1,549,377 25

$531,532 78

ESSEX SAVINGS BANK, LAWRENCE.

296 ESSEX STREET.

Incorporated March 15, 1847. Number of corporators, 27; number of trustees, 13.

WALTER E. PARKER, President.

ALBERT I. COUCH, Treasurer.

FRANKLIN BUTLER, Clerk of the Corporation.

Board of Trustees: C. U. BELL, FRANKLIN BUTLER, T. M. COGSWELL, A. I. COUCH, F. B. DAVIS, F. H. EATON, G. E. KUNHARDT, R. J. MACARTNEY, W. E. PARKER, BYRON TRUELL, J. E. VARNEY, RICHARD WARD, H. K. WEBSTER.

Board of Investment: W. E. PARKER, H. K. WEBSTER, J. E. VARNEY, F. H. EATON.

Auditing Committee: F. B. DAVIS, FRANKLIN BUTLER, R. J. MACARTNEY.

Deposits draw interest from third Wednesday in January, April, July and October; dividends are payable the third Wednesday of April and October. Business hours: 9 A.M. to 1 P.M.; Saturdays, 9 A.M. to 4 P.M. and 7 to 8 P.M.

STATEMENT OF CONDITION, OCTOBER 31, 1919.

Assets.

Public funds, bonds and notes

Railroad bonds and notes

Street railway bonds

American Tel. & Tel. Co. bonds

Stocks of banks and trust companies

114 loans on personal security

1,518 loans on real estate (average of each, $5,287.84)

Bank building and fixtures (estimated value, $125,000; assessed value, $121,700)

$2,488,200 00

2,239,000 00

370,000 00

180,000 00

332,500 00

8,026,950 00

3,177,250 00 70,000 00 1,500 00 380,348 58 23,282 35

$17,289,030 93

Liabilities.

Due depositors on 30,811 accounts, averaging $513.34 each
(Accounts opened during year, 5,512; closed, 4,650; increase, 862)
Surplus:

a. Guaranty fund (4.90% of deposits; increase during year, $60,000)
b. Profit and loss (increase during year, $3,122.16)