HOME SAVINGS BANK, BOSTON.

75 TREMONT STREET.

Incorporated March 17, 1869. Number of corporators, 47; number of trustees, 31.

GEORGE E. BROCK, President.

CHARLES S. NORRIS, Treasurer.

Board of Trustees: W. A. ALEXANDER, G. D. BIGELOW, CARL BRANDT, G. E. BROCK, R. G. F. CANDAGE, A. H. COLBY, J. F. CROCKER, H. W. CUMNER, C. F. CUTLER, C. S. DENNISON, R. H. W. DWIGHT, G. A. FERNALD, I. G. HERSEY, C. C. HOYT, H. C. JACKSON, JEROME JONES, THEODORE JONES, C. W. LEONARD, S. P. MANDELL, F. H. MANNING, F. A. MORSE, C. S. NORRIS, W. L. PIERCE, S. W. REYNOLDS, EDWIN ROBINSON, J. H. RUSSELL, W. S. SLOCUM, F. A. TURNER, LOUIS WEISSBEIN, L. L. WILLCUTT, J. G. WRIGHT.

Board of Investment: G. E. BROCK, C. F. CUTLER, I. G. HERSEY, H. C. JACKSON, J. H. RUSSELL, J. G. WRIGHT.

Deposits draw interest from tenth day of January, April, July and October; dividends are payable the third Wednesday of April and October. Business hours: 9 A.M. to 2 P.M.; also Saturdays (except during July and August) for deposits only, 4 to 7 P.M.

Due depositors on 34.640 accounts, averaging $375.37 each
(Accounts opened during year, 5,232; closed, 2,745; increase, 2,487)
Surplus:

a. Guaranty fund (4.59% of deposits; increase during year, $31,000)
b. Profit and loss (increase during year, $51,799.56)

Current income:

a. Interest

b. Discount account

c. Premium account

Less current expenses not charged off

Rates on Loans (Average on All, 4.43%).

Real estate loans (average rate, 4.61 per cent.): 34%, $2.000: 31%, $55,000; 4%. $1,358,000; 41%, $229.600; 44%, $105,000; 44%, $2,012,450; 44%, $21,000; 5%, $2,894,607.11; 51%, $2,500; 5%, $70,500; 6%. $23,200.

Personal loans (average rate, 4.16 per cent.): 34%. $815,000; 31%. 8278,000; 31%, $25,000; 4%, $1,201,500; 41%, $350,000; 41%, $978,500; 41%, $290,000; 43%. $25,000; 5%, $348,200.

Other loans (average rate, 3.38 per cent.): 31%, $60,000; 34% $40,000; 4%, $5,000.

Number of loans not over $3,000 each, 145, amounting to $271,625. 99 real estate loans made during year, amounting to $1,322,974.86.

Dividends, Deposits and Withdrawals.

Ordinary dividends declared during year: April, 1909, 2%
Oct., 1909, 2%
Number of deposits during year, 34,045, amounting to

Number of withdrawals during year, 24,494, amounting to

Net increase in amount due depositors

$223,629 00

237,116 17

3,266,737 94

$3,727,483 11

2,288,016 23

$1,439,466 88

SCHEDULE OF SECURITIES OWNED.

Public Funds, Bonds.

$54,000 Hampden Co. 4s

$50,000 Boston, Cl. & Fitchburg 5e
10,000 Boston, Con. & Mont. 6s
51,000 Boston & Lowell 49

1,000 Bay City, Mich., 88*

100,000 Boston & Maine 4s

46,000 Boston & Maine 41s 60,000 Cedar Rapids & Mo. R. 7s 170,000 C., B. & Q. 4s

50,000 Chicago & Northwestern 4s
5,000 Chicago & Northwestern 58
73.000 Chicago & Northwestern 78
56,000 Concord & Montreal 4s
11,000 Danbury & Norwalk 5s
50,000 Delaware & Hudson 4s
10,000 Dexter & Piscataquis 4s
233,000 Fitchburg 4s

25,000 Fre., Elk. & Mo. Valley 6s
91,000 Hannibal & St. Joseph 6s
23,000 Maine Central 4s
23,000 Maine Central 41s
189,000 Maine Central 7s
15,000 Michigan Central 5s

10,000 New London & Northern 4s
12,000 New London & Northern 5s
15.000 N. Y., N. H. & H. 4s
9,500 Northwestern Union 7s
115,000 Old Colony 48

4,800 Pennsylvania 63
50.000 Portland & Ogdens. 41s
15,000 Rome, Water, & Og. 5s

8,000 Vermont Valley 5s
10,000 Watertown & Rome 68

211 transfers, amounting to $149,238.13, not included in above table.

DATE OF EXAMINATION, September 20, 21.

HOOSAC SAVINGS BANK, NORTH ADAMS.

97 MAIN STREET.

Incorporated April 19, 1871. Number of corporators, 19; number of trustees, 14. O. A. ARCHER, President. W. W. RICHMOND, Treasurer.

Board of Trustees: O. A. ARCHER, P. J. ASHE, W. W. BUTLER, E. BISSAILLON, G. W. CHASE, J. E. HUNTER, G. P. LAWRENCE, E. B. PENNIMAN, W. B. PARMELEE, D. A. RUSSELL, C. Q. RICHMOND, W. W. RICHMOND, R. A. THOMPSON, H. E. WETHERBEE.

Board of Investment: E. BISSAILLON, W. W. BUTLER, H. E. WETHERBEE.

Deposits draw interest from first day of March, June, September and December; dividends are payable June 1 and December 1. Business hours: 9 A.M. to 4 P.M.; Saturdays, 9 A.M. to

2 P.M.

106 loans on personal security

108,428 41

Bank building and fixtures (estimated value, $120,000; assessed value, $91,500)

Real estate by foreclosure, etc. (assessed value, $53,600)

Premium account

100,000 00

83,044 58

3,544 00

37 55 44.654 41

6.419 11

$1,422,474 61

Liabilities.

Due depositors on 4,547 accounts, averaging $301.76 each
(Accounts opened during year, 1,049; closed, 1,042; increase, 7)

Surplus:

a. Guaranty fund (8.04% of deposits; decrease during year, $9,457.70) b. Profit and loss (decrease during year, $2,381.71)

Current income:

$1,372,145 51

41,706 74 64 32

Rates on Loans (Average on All, 5.61%).

Real estate loans (average rate, 5.56 per cent.): 5%. $287,823; 5%. $11,350; 6%, $373,408.55. Personal loans (average rate, 5.88 per cent.): 5%, $12,865; 6%, $95,563.41.

Number of loans not over $3,000 each, 354, amounting to $387,873.96. 33 real estate loans made during year, amounting to $61,175.

363 transfers, amounting to $74,172.16, not included in above table.

DATE OF EXAMINATION, January 5, 6, 7.

Board of Trustees: F. F. BALDWIN, G. A. BRIDGES, L. F. FAIRBANKS, W. A. FRAIL, ANDREW FYRBERG, W. S. GAMAGE, S. A. KNOWLES, MICHAEL MCENELLY, W. S. MORSE, W. D. MOSHIER, W. W. PAGE, M. V. PHIPPS, W. C. PIERCE, J. D. STEWART, W. A. WOOD.

Board of Investment: F. F. BALDWIN, W. A. FRAIL, M. V. PHIPPS, W. C. PIERCE, J. D. STEWART, W. A. WOOD.

Deposits draw interest from first Saturday of February, May, August and November; dividends are payable the first Saturday of May and November. Business hours: 9 A.M. to 2 P.M.; Wednesdays and Saturdays, 9 A.M. to 12 M.

3 loans on personal security

2,440 00

Bank building and fixtures (estimated value, $7,138.61; assessed value, $4,500)

Real estate by foreclosure, etc. (assessed value, $5,125)
Taxes, insurance, etc., paid on mortgaged properties
Deposits in national banks or trust companies

7,138 61

5,466 21

60 00

24,019 85

Cash

Total Assets

669 43

$429,004 10

Liabilities.

Due depositors on 1,257 accounts, averaging $313.35 each
(Accounts opened during year, 103; closed, 130; decrease, 27)
Surplus:

a. Guaranty fund (5.37% of deposits; increase during year, none)
b. Profit and loss (increase during year, $2,044.40)

Total Liabilities

$393,880 73

21,152 72 13,970 65

$429,004 10