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Ever since becoming conversant with the magnitude of the duties attaching to this office, I have felt the inadequacy especially of its examining force as compared with the work it has to perform. The large number of banks to be examined, the reports made by each periodically to be given attention, the fifty-five building and loan associations to be examined and supervised, and the manifold details of correspondence, compiling semi-annual reports, etc,. involves too great an amount of labor to give the most efficient service.

This fact was fully recognized by the Legislature at its recent session, as evidenced by the provision made in the banking act which was passed by it for submission to a vote of the people at the next general election, whereby the head of the department will be empowered to employ such examining and clerical force as he may deem necessary for the faithful and efficient performance of the duties imposed.

In conclusion, I desire to extend my thanks to the banks under the supervision of this office for the promptness with which they have complied with requirements as to reports and statements, and for the courtesy they have uniformly extended to this office. They have, with very few exceptions, shown a willingness to co-operate for the steady and definite improvement of banking methods, which promises a constant advance and increased efficiency in our banks,of vast importance to business and the public.

Very respectfully,

EDWARD I. KIDD,

State banks.. Private banks Savings banks.

COMPARATIVE TABLE.

Nov. 16, 1895. May 2, 1896. Nov. 21, 1896. April 2, 1897. Nov. 6, 1897.

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675,014 67

443, 284 46

653,959 18 409,861 57

Banking houses, fur

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other

Loans and discounts $28, 062, 796 67 $28, 619, 955 45 $25, 905, 481 71 $25, 754, 401 37 $27,141,604 77

Unpaid capital....

Overdrafts

niture and fixtures Other real estate... Bonds, stocks and

securities...

Checks on

678,500 00 511,456 57

671,017 39 396,305 52

683,500 00 363,817 42

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banks...

Other cash items.

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Due from banks and

bankers

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320,073 74 56,595 34 7,387,372 10

U. S. and national

currency

1,310,571 50

Gold coin

1,472, 853 52

Silver and subsidiary

coin...

210,510, 60

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390,983 40 77,782 61

9,180, 424 56

1,805, 779 89 1,329,853 80

234,843 01

Loss and expense ac

254,506 56

245, 242 81

count.

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Other resources.

214,561 01

138, 773 89

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105,530 06

120,379 67

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$13,601,829 47 $13, 994, 840 93 $41,532, 711 22 $43, 062, 139 14 $46,593, 540 28

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$43,601,829 47 $43, 994, 840 93 $41,532, 711 22 $43,062, 139 14 $46,593, 540 28

ABSTRACT

OF

Reports of State Banks

OF THE STATE OF WISCONSIN,

At the close of business on the 6th day of November, 1897, as made to the Bank Examiner's office.

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L. Q. Olcott, Amery.

2,500 00

Total

$25,000 00

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