Incorporated January 24, 1911. Began business January 25, 1911.

WILLIAM W. MCLEOD, President.

ORRIN E. STEVENS, Treasurer.

Board of Directors: C. A. BUNKER, T. D. COLEMAN, J. A. EARLY, G. C. FULLER, B. W. GUERNSEY, J. D. HARDY, F. O. JOHNSON, W. W. MCLEOD, W. A. PARKS, T. R. PEIRCE, G. N. SMITH, ISAAC SPRAGUE, M. C. SPRING, G. A. SWEETSER.

Security Committee: T. D. COLEMAN, F. O. JOHNSON, J. D. HARDY, W. W. MCLEOD, G. N. SMITH.

Regular meetings for receipt of moneys the second Wednesday of each month.

STATEMENT OF CONDITION AT THE CLOSE OF THE OCTOBER BUSINESS, 1918.

Proportion of profits retained on voluntary withdrawals, 25% on series less than 5 years; after 5 years,

none.

Rates and Averages on Loans.

160 real estate loans (average, $2,417.03 each; average rate, 6.48%): 6%, $2,000; 6%. $14,700; 64% $370,024.87.

60 share loans (average, $151.83 each; average rate, 6%): 6%, $9,110.

WESTFIELD CO-OPERATIVE BANK, WESTFIELD.

7 COMMERCIAL BLOCK, ELM STREET.

Incorporated December 13, 1881. Began business December 19, 1881.

SUMNER B. CAMPBELL, President.

JAMES H. CLARK, Treasurer.

Board of Directors: N. S. BARNES, S. B. CAMPBELL, R. T. CARRIER, J. H. CLARK, C. H. COOLEY, Jr., T. J. COOLEY, H. S. EATON, F. N. GIBBONS, H. W. KITTREDGE, THOMAS LITTLE, H. S. MILLER, A. G. NORTON, O. E. PARKS, G. E. SHEPARD, Jr., F. E. TIBBALS.

Security Committee: S. B. CAMPBELL, THOMAS LITTLE, J. H. CLARK.

Regular meetings for receipt of moneys the third Monday of each month.

Assets.

$37,400 00

STATEMENT OF CONDITION AT THE CLOSE OF THE OCTOBER BUSINESS, 1918.

Bonds and notes

Loans on real estate

738,000 00

Profits capital

114,846 36

Loans on shares

40,384 00

161 matured shares represented by

Real estate by foreclosure, etc.

32,200 00

Unpaid interest

Permanent expense account

Temporary expense account

14,641 83

Surplus

19,665 08

Interest

16,371 41

Cash

Proportion of profits retained on voluntary withdrawals, 25% of last dividend.

Rates and Averages on Loans.

415 real estate loans (average, $1,778.31 each; average rate, 6%): 6%, $738,000. 169 share loans (average, $238.95 each; average rate, 6%): 6%, $40,384.

227

261

1,290

505

WEST NEWTON CO-OPERATIVE BANK, NEWTON.

1349 WASHINGTON STREET, WEST NEWTON.

Incorporated June 14, 1892. Began business June 22, 1892.

CHARLES E. HATFIELD, President.

JOSEPH A. SYMONDS, Treasurer.

Board of Directors: F. J. BURRAGE, H. L. BURRAGE, R. S. HARRISON, C. E. HATFIELD, F. M. Lowe, M. F. LUCAS, ELLERY PEABODY, G. R. PEABODY, J. B. Ross, J. A. SYMONDS, S. B. THOMAS, H. L. WHITTLESEY, E. F. WOODS.

Security Committee: F. M. LowE, M. F. LUCAS, C. E. HATFIELD, H. L. WHITTLESEY.

Regular meetings for receipt of moneys the fourth Wednesday of each month.

STATEMENT OF CONDITION AT THE CLOSE OF THE OCTOBER BUSINESS, 1918.

Proportion of profits retained on voluntary withdrawals, 10% on series less than 5 years old; after 5

years, none.

Rates and Averages on Loans.

205 real estate loans (average, $2,178.90 each; average rate, 5.35%): 5.30%, $373,425; 5%%, $58,850; 6%. $14,400. 32 share loans (average, $285 each; average rate, 5.43%): 5.30%, $4,135; 5%, $4,590; 6%, $395.