MARLBOROUGH SAVINGS BANK, MARLBOROUGH.

32 MECHANIC STREET.

Incorporated April 3, 1860. Number of corporators, 47; number of trustees, 20.

CHARLES F. ROBINSON, President.

HERBERT M. HAZELTON, Clerk of the Corporation.

CHARLES F. HOLYOKE, Treasurer.
LEROY M. CRAIG, Assistant Treasurer

Board of Trustees: W. A. ALLEN, AMEDEE Beauregard, G. F. BOND, MICHAEL BURKE, J. F. COSGROVE, C. W. CURTIS, J. A. CURTIS, C. B. EAGER, W. B. FAY, J. A. FRYE, W. P. FRYE, B. F. GREELEY, H. M. HAZELTON, C. F. HOLYOKE, E. F. HOUGHTON, L. P. HOWE, E. I. MORSE, W. B. MORSE, C. F. ROBINSON, C. T. WARNER.

Board of Investment: C. F. ROBINSON, W. P. FRYE, W. B. MORSE, G. F. BOND, W. A. ALLEN.

Auditing Committee: E. I. MORSE, H. M. HAZELTON, C. B. EAGER.

Deposits draw interest from third Wednesday of January, April, July and October; dividends are payable the third Wednesday of January and July. Business hours: 9 A.M. to 3 P.M.; Saturdays, 9 A.M. to 12.30 P.M.

Bank building and fixtures (estimated value, $37,500; assessed value, $36,395)
Real estate by foreclosure, etc. (assessed value, $7,235)
Taxes, insurance, etc., paid on mortgaged properties
Deposits in national banks or trust companies

Cash.

Total Assets

Liabilities.

Due depositors on 9,303 accounts, averaging $372.12 each (Accounts opened during year, 829; closed, 829)

Surplus:

a. Guaranty fund (4.97% of deposits; increase during year, $1,345.74) . b. Profit and loss (increase during year, $16,462.64)

181,375 00

30,500 00 5,542 91 370 19

93,391 65 8,857 16

$3,761,557 89

$3,461,811 70

172,191 94 84,659 93

31,528 42 10,169.00 1,196 90

Rates on Investments and Loans (Average on All, 4.80%).

Real estate loans (average rate, 5.12 per cent.): 4%, $101,500; 42%, $193,250; 44%, $8,000; 5%, $680,118; 5%, $157,423; 6%, $297,639.

Personal loans (average rate, 6.15 per cent.): 44%. $2,550; 5%, $12,100; 52%, $1,350; 6%, $70,375; 6. $10,000; 6%%, $85,000.

Bonds, stocks, etc. (average rate on amounts invested, 4.44 per cent.): 3%, $10,000; 31⁄2%, $237,400; 34%, $19,000; 4%, $975,750; 44%, $123,620; 4%%, $311,000; 5%, $171,500; 5%%, $1,200; 6%. $27,700; 8%. $5,000; 9%, $3,700; 10%, $54,300; 12%, $6,500; 20%, $20,800.

15,000 Brockton 48

10.000 Chelsea 48
45,000 Fall River 4s

25,000 Los Angeles, Cal., 4%8
25,000 New Bedford 48
7,000 Portland, Ore., 68
2,000 Quincy 48

25,000 San Francisco, Cal., 58
15,000 Worcester 3128

5,000 Worcester 48

12,000 Arlington 4s

10,000 Attleborough 48

15,000 Leominster 4s

47,000 Natick 48

7,000 Warwick, R. I., 41⁄2s
10,000 Wellesley 48
10,000 Br. & Tops., Me. (W. D.), 48

Public Funds, Notes. $6,000 Marlborough 4% 11,000 Marlborough 58

19,000 Hudson 3%s

Railroad Bonds.

Par Value.
$45,000 Baltimore & Ohio 4s
30,000 Baltimore & Ohio 4128
10,000 Baltimore & Ohio 58
14,000 Bangor & Aroostook 58

20,000 Boston & Albany 3128
35,000 Boston & Albany 48
15,000 Boston & Albany 58

20,000 Boston & Lowell 428
15,000 Boston & Maine 3128
47,000 Boston & Maine 4s
40,000 Boston & N. Y. Air L. 4s
25,000 C., B. & Q. 31⁄2s
10,000 C., B. & Q. 4s

10,000 Chic., Mil. & St. Paul 4s
20,000 Chic., Mil. & St. Paul 41⁄2s
25,000 C., R. I. & P. 48

25,000 Delaware & Hudson Co. 48
10,000 Fitchburg 3/28

Par Value.

$45,000 Old Colony 4s

25,000 Pennsylvania 428 30,000 Pitts., Vir. & C. 48 15,000 Port. & Ogdens. 428 10,000 Vermont Valley 4128 10,000 Washington Co. 328 10,000 Worc., Nashua & R. 48

Street Railway Bonds. $42,000 Boston Elevated 48

33,000 Boston Elevated 41⁄2s
25,000 Boston & Northern 48
25,000 Georgetown, Row. & Ips. 5s
10,000 Old Colony 48
25,000 West End 58

Shs.

Bank Stocks.

12 Boylston N1. Bk., Boston 200 First N1. Bk., Boston

12 Fourth-Atlantic Nl. Bk., Boston 65 Merchants Nl. Bk., Boston 357 NI. Shawmut Bk., Boston 25 Nl. Union Bk., Boston

8 Second Nl. Bk., Boston 50 Webster & Atlas Nl. Bk., Boston 15 First Nl. Bk., Clinton 107 First Nl. Bk., Marlborough 100 Peoples NI. Bk., Marlborough 136 Merchants Nl. Bk., Worcester 50 Worcester Bank and Trust Co. 50 Worcester Nl. Bk.

MARSHFIELD SAVINGS BANK, MARSHFIELD.

CORNER MAIN AND PLAIN STREETS.

Incorporated July 5, 1910. Number of corporators, 41; number of trustees, 21.

LEWIS W. HALL, President.

FRANCIS T. HARLOW, Clerk of the Corporation.

RALPH C. EWELL, Treasurer.
M. HERMAN KENT, Assistant Treasurer.

Board of Trustees: ELIJAH AMES, E. E. AMES, R. T. AMES, C. W. BARTLETT, W. H. BROWN, HENRY CARVER, R. C. EWELL, J. E. FORD, L. W. HALL, WALTON HALL, F. T. HARLOW, F. W. HATCH, E. L. HITCHCOCK, M. H. KENT, LUTHER LITTLE, J. W. MERRILL, O. B. OAKMAN, A. T. SPRAGUE, S. T. SPRAGUE, OSCAR STEVENS, G. H. THOMAS.

Board of Investment: F. W. HATCH, OSCAR STEVENS, C. W. BARTLETT, ELIJAH AMES, HENRY CARVER, A. T. SPRAGUE.

Auditing Committee: E. E. AMES, WALTON HALL, F. T. HARLOW.

Deposits draw interest from second Tuesday of January, April, July and October; dividends are payable second Tuesday of January and July. Business hours: Tuesdays, 9 to 11 A.M.

STATEMENT OF CONDITION, OCTOBER 31, 1918.

Assets.

Public funds, bonds and notes

Railroad bonds and notes

Street railway bonds

Boston Terminal Co. bonds

American Tel. & Tel. Co. bonds

63 loans on real estate (average of each, $862.15)

2 loans on personal security

Deposits in national banks or trust companies
Cash.

Total Assets

Liabilities.

Due depositors on 355 accounts, averaging $263 each
(Accounts opened during year, 30; closed, 26; increase, 4)

Surplus:

a. Guaranty fund (1.22% of deposits; increase during year, $219.85) b. Profit and loss (increase during year, $525.37)

Current income:

Interest

Less current expenses not charged off

Suspense account

$18,502 30

12,427 50

3,867 50

1,852 50

1,826 25

54,315 50

950 00 4,446 95

325 84

$98,514 34

$93,354 84

1,145 83 2,348 13

$1,802 50

182 57

1,619 93

45 61

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

Real estate loans (average rate, 5.91 per cent.): 5%, $4,700; 6%, $49,615.50.

Personal loans (average rate, 5.10 per cent.): 5%, $850; 6%, $100.

Bonds, stocks, etc. (average rate on amounts invested, 4.29 per cent.): 3% %, $6,000; 4%, $19,000; 44%, $500; 44% $9,000; 5%, $5,000.

MECHANICS SAVINGS BANK, HOLYOKE.

345-347 DWIGHT STREET.

Incorporated March 16, 1872. Number of corporators, 47; number of trustees, 17.

HENRY E. GAYLORD, President.

ISAAC E. SAWYER, Treasurer.

NATHAN P. AVERY, Clerk of the Corporation,

Board of Trustees: N. P. AVERY, E. P. BAGG, E. W. CHAPIN, A. W. ESLEECK, T. H. FOWLER, H. E. GAYLORD, M. J. JUDGE, C. E. MACKINTOSH, J. S. MCELWAIN, A. J. NEWELL, C. P. RANDALL, J. F. RANGER, C. W. RIDER, H. G. SEARS, J. A. SKINNER, F. M. SMITH, F. S. WEBBER.

Board of Investment: H. E. GAYLORD, H. G. SEARS, C. E. MACKINTOSH, J. F. RANGER, A. J. NEWELL.

Auditing Committee: C. P. RANDALL, F. S. WEBBER, C. W. RIDER.

Deposits draw interest from first day of February, May, August and November; dividends are payable after third Monday in May and November. Business hours: 9 A.M. to 4 P.M.; Saturdays, 9 A.M. to 12 M.; also Thursdays, 7 to 8 P.M.

a. Guaranty fund (5.07% of deposits; increase during year, $4,465) b. Profit and loss (increase during year, $20,476.86).

Current income:

Interest

Less current expenses not charged off

Deposits or installments received on sales of Liberty Loan Bonds

$4,183,367 57

212,325 00 146,297 59