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The sixteen general tables presented and analyzed in the preceding chapter summarized by states and territories the facts of a more general character relating to the description and condition of the associations of the country. In addition to them sixteen special tables have been constructed, which give in a summary by states and territories some of the facts relating to the methods and practice of the associations. The special tables as a rule relate to fewer associations than the general tables, the aim here being to give a statement that shall be representative rather than complete. The titles of these sixteen special tables are as follows:

A.-Age of associations,
B.-Frequency of issue of series.
C.-Shares, shareholders, and dues and profits.
D.-Entrance fee.
E.-Frequency of payment of dues.
F.-Dues, per share at each payment.
G.-Maturing value of shares.
H.-Number of shares allowed one person.
J.-Votes allowed.
K.-Transfer fee.
L.-Existing real estate loans in certain representative associations.
M.-Individual real estate loans in certain representative associations.
N.-Interest rate charged on real estate loans in certain representative asso-

().--Average premium rate charged on real estate loans in certain representa-

tive associations.
P.-Loans to other than shareholders.
Q.-Associacions taking money on deposit.

These tables will be taken up seriatim.

Table A.-Åge of associations, pp. 338, 339.—While building and loan associations had their birth in the decade of years from 1810 to 1850, with perhaps here and there one prior to 1840, it is seen by this tablo that the average age of all the associations is but 6.2 years, the locals having an average age of 6.3 years and the nationals of only 2.5 years. Of the locals 2,394 are under 5 years of age, 2,163 are 5 or under 10 years


age, and 589 are 10 or under 15 years of age, making a total of 5,146 associations under 15 years of age. There are 433 associations 15 years


age or over. Of the nationals 226 are under 5 years of age and only 14 over 5. These figures certainly show that the building


and loan associations of the country are entirely modern institutions and have reached their great proportions during the last ten or fifteen years.

Table B.-Frequency of issue of series, pp. 340, 341.—This table needs no explanation. It shows how many serial associations there are-local and national and all taken together-which issue their series monthly, quarterly, quadri-monthly, etc. Associations operating under the permanent and terminating plans are omitted for reasons that will be seen by reference to the explanation of the plans on pages 22 to 24.

Table C.-Sharcs, shareholders, and dues and profits, pp. 312, 343.This table is intended to slow the average shares per shareholder, the average instalment dues paid in plus profits on the same per share. holder, and the average value of shares. In order to obtain a fair basis for the averages all associations which failed to report in regard to either their shares, shareholders, or dues and profits were discarded from consideration. The dues and profits do not include the amount received for paid-up or prepaid stock, but are confined simply to the dues paid in on instalment shares in force plus the profits on the same. This element of paid-up and prepaid stock has also been eliminated from the number of shares and number of shareholders. It will be seen that the number of shares per shareholder in the local associations is 7.6 and the average dues and profits to each shareholder $302.87, while the average value of the shares is $39.71. In the nationals 'the average number of shares to each shareholder is 7.2 and the average dues and profits to each shareholder $86,74, while the average value of the shares is $12.12. Taking all the associations together the average shares per shareholder is 7.5, the average dues and profits to each shareholder $257.08, and the average value of the shares $31.16.

Table D.Entrance fee, pp. 314 to 317.—This table needs but little explanation. It will be seen that the entrance fee of 25 cents per share is that most frequently determined upon. One thousand five hundred and nineteen associations, however, charge no entrance fee at all.

Table E.-Frequency of payment of dues, pp. 318, 319.This table shows that the majority of the associations collect their dues in weekly or monthly payments, the variation from this being very rare.

Table F.-Dues per share at each payment, pp. 350 to 353.-A very large number (1,289) of associations require the payment of 25 cents per share as dues, and 1,123 require 50 cents, while 2,413 require a payment of 81 per share. The number varying from these amounts is small.

Table G.-Maturing value of shares, pp. 354 to 357.—This table shows that 2,215 associations have their shares mature at $100, while 2,337 have their shares mature at $200, the variations from these two sums being comparatively few.

Table H.-Number of shares allowed one person, pp. 358,359.--A large number of associations (2,341) do not limit the number of shares allowed to one person, while 1,190 associations place the limit of shares which

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