rg-195 home loan bank board harrisburg report box 32 appendix

Reproduced from the Unclassified/ Declassified Holdings of the National Archives

Reprcidt1ced from the UnCJi:)S§lfleJ]:,J ue,c1c1~sr,11ea r)UICflJ9S 01 me r.,a:ou1,>a,. c,,v, "·' Vv

SUivil\llARY liARRISBml.G ~ PENTJSYL VJ!,l'!IA J 'f 7-21-36 •

BY

L GENERAL CONDITIONS ll

THE :MORTGAGEE REHABILITATION DIVISIOlI '--16 Field Report Dated June 15, .1936 3 f--·

Harrisburg,!! capital of Pennsylvania, is located in the southes,stern por-t.ion ,_

of the stat:e ,on the SusquehariJ1a River,. Widely diversified industries include manu--,,,..__ ,; !,

(4.ir.>at...£~

facture or production of chemicals, food~ leather_,~ lmnber, iron, stee1t~1other

mine and quarry products, textiles and printing. The Department of Internal Affairs, in Harrisburg

State of Pennsylvania reports that total value of products/declined severely from

1929 to 1932; but increased in 1934 and is shmming continued Lmprovement.. 'Industrial

trend is sho~ as follow-s: Number of Jtverage 'No,. To-tal ':Hages Value of'

Year Establishments of Empl_2.z~ end Salaries Products -1926 200 8673 $10.,934.,000 $41.,902.,000 1929 202 8432 11,356_,000 41.,692.,000 1932 208 7262 7.,324.,000 18,,90lp000 1934 192 7486 1., 984_,000 22.,540a000

It •.mill be noted from the foregoing that there hf>ts been little reduction in n-i_rmber of

establisbments and that -while total m.ges paid and value of products have declined.,

the number employed has not varied in proportion. The steady income of state employes

has been a stabilizing economic factor -in retail a:n.d wholesale trade1 which held up

well during the depression~ A marked increase in retail volui~e is reported for the

past 12 months.1 Growth of population was not as pronounced between 1920 and 1930

as in preceding decades: 2

Increase 0-ver Preceding Census Year Population Number --- Percente..ge

1900 50.,167 ... ... 1910 64,186 14,019 27.9% 1920 75,917 11,731 lS,,3 1930 80~339 4,422 5a8

,P!_nsity of population is approximately 13,000 persons per square mile; 87.,5% native

iiilt1.ite, -4.6% foreign born wbi te a:nd 7 .,9% negro; approximately 50% of total dwelling

uni ts are ovmer-occupied., Harrisburg is essentially an 11 ope-n rshop 11 ci-ty., l\fot over

50% of' the 3000 building craftsmen in this city have organization affiliation, and

the steel workers comprisin3 ·\:;he largest labor element are not strongly org,anized.,

Only recent labor disturbence was a stri1ce in the needle trades (mostly -wowPn) which

-was partly successful., but conditions in tbis industry' are not settled as wag;es are

still unreasonably low. Building craft wage $CRles in general a~prox:L.11ate the 1929

level. 3 Direct .3::.~,li,e_! load for Dauphin County_ (of which Harrisburg comprises appro:x:i

:iw.tely 50% or population} reached a pes,k in September 1935, but has sharply declined

since then largely due to public works projects:4

Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproduced from the unc1ass1nea'/' uecrassmea.nommgs or. me ""wu.ai,-,,w_,vw.

Harrisburg 7-21-36

Date

Sept. 1932 Sept. 1933 Sept. 1934 Sept. 1935 :May 1936

Direct Relief Number Estimated No~

of Cases of Persons

3350 14,070 5710 23.,982 5200 21.,840 6100 25:,620 2100 8,820

Work Relief Nmnber Esti..mated Noe

of Cases of Persons

250 1050 ... ...

2919 12., 260

Note l - P• 1 - Industry & Comrnerce 11 2 P• 2 - Population

Note 3 p. 3 - Labor n 4 - P• 3-A - Exhibit 11An

II* PRESENT REAL ESTATE COlifDITIONS .A.HD TAK: SITUATION*

Estimated residential real estate sales, showing some improvement over 1935~ - .;;;-

have averaged 10 per month :for 1936 in Harrisburg and immediate vicinity .. There does

not appear to be any concerted plan or organized sales progre.m for disposal of in-

sti t-u.tionally held real estate., 1 W1th occ~pa:noy of 99%., 2 there is a definite shortage

of habitable units. Rents in the lower bracket have advanced sharply and those near ~

the Ca.pi tal a..nd State office building;s are actually gigher than the 1929 peak~ Monthly

rentals are quite universally being advanced $2.50 to $5 on vacated units, although

realtors oppose such advances unless units are renov-ated. According to interview 1Nith

Central Trus-t; Company, rents declined to 65% and are now 75% of the 1929 levele Vfaile

there is a need for one-family dwellings, the small a.mount of E.~ . .S.ideE!i&l co~tion_,

chie~ly subu~be.,n, seems to be meeting the del!W.nd. 3 Construction t,rend in Harrisburg

..c- .,.., 4

.L 0.2-.LOVIS:

Residential Permits Year

1926 1929

lfoNber

424 139

1934 4 1935 33 1936(4Mo}10

.&mount

$2.,032.,000 765:,000

15"'000 202,000

67.,000

Reconditioning Per.mi ts Nu:m.ber Amount

204 $610.,000 244: 650,000 133 93JI000 171 385.,000

55 66,870

Total All Construction l'iim:rJ:,er A ... "llOU.nt

'799 $4.,333.,000 677 8,050.,000 230 248 .. 000 297 766:,000

9LJ: 189,000

No authentic fig;ures are available on the March 1936 flood damage but it is estimated

by the City Engineer that about 28% of -bhe city area was inundated to a dept.h of from

3 to 9 feet., damaging some 2900 structures., 5 Real estate valu2:tion shri~e averaged

35% for the city as a whole and while there has been little recovery9 present

occupancy percentage and increasing rents -vtlll undoubtedly stimulate ,ralues., 6 Overh.e..ng_

of: residential institutionally acquired property totals $3., 912,000_; of which 73,,1% is

held by cm:nmercial ban...zs and trust companies, 21., 7% by institu{;ions in liquidation and

r?

5 .. 2% by building e.nd loan associations., 1 Potential e.cg_uisitions .are esti:mat;ed at

approximately ~800~000. There is no present indication of dumping except cheap, m1de~

siraole properties that would not influence the market. Holding institutions are con

tent with a net yield of' :from 3-½,Vo to 4% on their properties_, while B-wai ting an improved

.,,.,., r 1re-'- 8 .lll,5.A, ... ~ V@ Tax assessment is required by law to be 100% of current ·value,. Asses sec\_

valv.a~ions and total tax rate have bee~ constant ~or the past 5 years:9

Reproduced from the Unclassified/ Declassified Holdings of the National Archives·

. Reproduced from the Unclass, ifi.ed .,/ Declassmeo HOidings onneNm10r.1a1 Al~IHYv~.

t

City Assessed Total

Harrisburg 7-8-36.

Current Year Valuation Tax Rate Total Lev<J Collections Percentage

1931 $9:.\ll,145.,000 $40.00 $3.,566,000 $3.,175.,000 8,9.0% 1933 90.,812,000 35.00 3,118,000 2.,489,000 '79,.8 1934 90., 768.,000 35.00 3.,llo.,ooo 2,550,000 82 .. 0 1935 90.,664.,000 35.,00 3.,114.,000 1936 90.,513,000 34.50

The legal limit :for bonded debt is 7% for each of the three taxing uni ts; County,

city and school. No unit has been in default and there has been no refunding. Ag-

gregate bonded debt has been reduced during the past 5 years and at present constitutes

a comparatively light burden for the comm.unity:10

Note 1 - p .. If 2 P• -!l 3 - P• ll 4 - P• ll 5 - p .. !! 6 - P•

6 6 7

Taxing Units

&

--

Count-.1 City School

Total

7 - Sales Paragraph Rental

2

Net Bonded Debt

$1,031,000 4,221,000 2,419,000

lf.,611,000

5-A - Exhibit ncn

8 - Detrimental Influences 6 - Valuation Shrinkage

Percentage Of Assessment

1.,3% 4.6 2 .. 7 _.......-~....,--

Per Capita

$12 .. 83 52 .. 54 30 .. 23

$95 •. 6◊-

Note 7 - p .. 2-A - Form 1-A 8 - Overhang tl 8 -

n 9 -fl 10 -

P• P• P• P• P•

6-A - Exhibit "D'l 4 - Taxation 5 - Bonded Debt 6-A - Exhibit "D"

III. lKORTGA.GE LfillTDING INSTITUTIONS Al.w MORTGAGE DEJ'villiifD.

Fifteen ba.'1.ks B.nd trust companies ha-<re done and are doing the major mortgage

lending in Harrisburg. A few trust companies will lend up to 66-?/3% of appraisal

but 60% is the usual maximum. Loan periods are from l to 3 yearsJ interest 6%.

Practically all of these institutions are making FHP~ loans although to no appreciable

extent. ·combined, they made 28 resid~ntial sales totaling $1341 699 in 1935 s_nd 20$totaling

$95,016- in 1936~ Du.ring 1935 and 1936 they made 184 residential loans for a total of

$621,854 • .Ample funds are reported available for home financing aud no co:mmissions

are charged; the only costs to borrowers being those incidental to closing the loans.,

Interest -oaid on savings deposits., 2½%.

Local Tustitutions

liJ.lison East End Trust Ca..t1.p}! Curtin Trust Capitol Bank & T~ist Central Trust Citizens Trust Dauphi..~ Deposit Trust Harrisburg Trust Keystone Trust :Market Street Trust

S.u.b tote.ls

Outside Institutions Lem.oyne Trust New Cumberland National New Cumperland Trust Penbrook National Pe6pl~s Bank 0£ Steelton Steelton Bank & Trust

Sub totals • ,,.1 GR.11,_ND TOTAL

; f .Including_~nvestm.ent of ,:'. ~ ..... <. -d-. ~-

: .· ~

$esources

$ 4,161.;;000 3.,777,000 3.,033.,000 6.,936,000

822_.000 15,038.,000

9.,663,000 2,,457_.000 1 .. 054;!.Q.~

$44,941.,000

2,775.,000 918,000 958.,000 435.,000 719,000

--3.12£~= ~~ $53,.254~000

trusv :(und.;;;

l Individual holdings follow:

Local Residential _!,,o rt g;t:~e-s :.

$1,421,000 249_,000

5,500,000 3.,700,000

680.,000 4.,774.,000 2,395.,000

865,000 i __ l03&QOQ. :ii;l9.,687.,000

1,173,000 13,000

200,000 42.,000

167.,000 ___ §42~~ $ 2,437.,000

...,_.,,,.. t: •• l:i!llit Ito $1...A,ldD,\J,CDI

~~

Local Residential

Real Estate Owned*

$ 325_,000 234.,000 310_,000 350,000

52,000 667 ,ooo 241_,000 111,000

46!000 $2,342,000

165,000 19.,000 19.,000 15.,000 59.,000

242:,000

! _ Al9,.000 ~tm" ..:!....L..:::.:::.;_


Reproducedfromthe Unclassified/' Uecrassmea. norrnngs 01 UJ<:: I'ldUV[Jcn rnv,m~~.

Harrisburg 7-21-36

Of three savings and loan associations only two are at all active in Harrisburg at

present, The Harris Building & Loan and the State Capital Building & Loan9 The latter

is much larger than the other two combined but its activities are statewide., vnth only

a relatively sme,.11 percentage of its resources invested in Harrisburg;-' attitude of i t 1 s

~..i.. 1 . t· . , -r.,, ... l ( . .. . "'\!; "I)' ma-nagement is e.is.vrem.e_y antagom.s J.c ~er3:. J?.r:~gr~ ~see ma::m report; ana.

officials of the association refused informa:t~ion on its aoti-vities vihen called on by

our representative$ 2 Few loans are being made by these associations and the only term_s

ascertainable are 50% of appraisal, loan period 12 years~ interest 61o@ Individual

holdings follow: 3

Institutions Resources

Rarris B&L $1,344,000 Penn State B&L 357,000 State Capital B&L 25~228~000

$26.,929.,000 * Estimated local holdings

Residential

~ Residential

Real Estate Ovmed

$178,000 23,000

Not .i\:vailable ~

O:f the 5 ~~tions in liquidation (all trust companies) 3 are in complete liquidation

and 2 constitute liquidating agencies £or segregated asse·l:;s$ Ovmed real estate is being;

closely held by liquidating committees.ii and ·with exception of the Mechanic? s Trust

which expects to acquire an additional $320.,000 through i'oreelosure.,, potential ac ..

quisitions are negligible~ There were no residenl-ial s&les reported by any institu-~

tion in liquidation cfu.ring 1935 and 1936J4 Individual holdings follovir:5

Liq,v.idati ons - ..... -·-Commonwealth Trust Cow.mercial Trust Iviechanics Tr1..1st Securi·ty Trust Union Trust

Residential Mortgages ~-,..,.,,.,.-... ... _~

39.,,000 1,140_,000

246,.000 201/1000

~1" 445':0oo

Resid.en~t:;:.tal Real Esta3:;e 01m:ne(l

$ 91.,,000 87,000

450,,000 33,,000

188:0.000 rers:-000 Present mortgage demand:is very light for refin&m.cing,. This is also true of nev,r

construction, vmich is practically at a stan.;J;till in Harrisburg proper~ J~mple funds

are available to care :for low percentage loans .. 6

Note l ~()• 12 - Mortgage Acti-vity Note 3 - p .. 1-A & 2-A - Form 1 & 1-A ..:,.. _.,;,.

Appendix - Forms 5 ll 4 Pe , ,::; & 16 - Insts,. J,n Liquidation _,_.., 11 2 P• 10 Building; & Lo&"'l II 5 - p .. 1-A - Forrrr 1

P• 12 "Du paragraph z tt 6 - p .. 17 - Tulortg;age De:ma.71 d

T'T ~ D<:)tiINANT FACTORS.

A. Favorable

le Diversification and stability of'' industry ..

2. Freedom from major labor disturbances.,

3¾ Decrease in relief rollo~

4., Eigh occupancy percentage e,nd increase in rents*

' ,1~ ;'~ ,'-:...... ~ ~.o:1 ~.

•,_•\.

Reprodu~d from the Unclassified / Declassified Holdings of the National Archives

Reproduced:from the Unclassified./ Dec1ass111ea HOIOlngs OT me 1~auorrc11 l:\lvlH)~v

5. Stable tax assessment and rate ..

69 Excellent condition of municipal finances.

7. Adequacy of available mortgage money~

B .. Adverse

le Excessively low wages paid in some industries,.

24 Small amount of new construction.

7-21-36

' Reproduced from the Unclassified/ Declassified Holdings of the National Archives·

Reprod.uced rrom t11e unc1assmea _I uec1assmea- no1mngs or, tne l~a.avuc,,_,:.o v• ,n(v~

APPENDIX ----------------

Reproduced from the Unclassified / Declassified Holdings of the National Archives

Reproduced from the U nclassifiea· r uec1assmeo Ho1amgs or me Nauu11cn.-"'' "' n,~~-

SUBJECT .

EXHIBITS

A B C D

fil.RRISBDRG, PENliSYLVANIA

I N D E X ----------

Relief Chart.. • • • • • • • • • • • • • • • • •• Industrial Activity •••••••••••••••••• Building Permits •••••••••••••••••••• Taxation. and Bonded Debt. • • • • .......... .

INTERVIE'!VS

PAGE

1-!. 2-! 3-A 4-A

Donald, E. R. - Realtor •••••••••••••• • • • • 9-A Ellenberger, Wi.r. - Preside.nt, Harris Building & Loan

Association ••••••••••••••• • • 6-A Rollinger, w. M. - Realtor • • • • • • • • • • • • • • 8-A luller, E~au - Miller Brothers, Real Estate • • • • • • • • 7-A llels on, 1ifi lliam. - Real tor • • • • " .. • • • • • .. • • • ,. • 7-A Pieree, lifll'. - President, State Capital Savings & Loan ~.. 6-A

FORM ifol • FORM #=1-A

• • ,a. • • • • • • • • • • • • • • .. • .. • • • • •

BA\iJ1rn AN"D TRUST CO:MPAiifIES

..

Allison East End Trust Company ••••••••••••••• Camp Curtin Trust GoTI1pa11y ••• • • , ••••••• ~ ••• Capital Bank and Trust Company ••••••••••••••• Central Trust Company ...................... . Citizens Trust Company .................. . Dauphin Depqsi t Bank • .. .. • ., ,. • .. ,. • • • • • ,. • .. .. • • Harrisburg Trust Company • • • • .. • .. • • .. ,. • .. • • • • • Keystone Trust GGmpany- .. • • • • • • • • • ., • ,. • .. ., • ., • Lemoyne Trust Co:m.peny • • • • • • • • • .. e .. • ,. .. ,. .. .. ..

Market Street Trust Company •••••••• ~ • o ... ~ ••

New Cu:mberlend National Bank •••••••••••••• ., • New Cumberland Trust Company ................ . Penbrook National Bank •••••••• ., ••••••••••

10-A 11-A

24-A 25-A 26-.A 27-.A 12-A 13-A 14-A 15-A 16-A 17-A 18-.A 19-A 20-.4

Peoples Bank • • • .. • • .. • • ,. • • • • .. • o • • ., • ., • ., 22-.a Steelton Bank and Trust Gomp:illy ........... ., .... 23-A

BUILDING AND LOAN ASSOCIATION

Penn State •••••••• ... • • a. • • • 21-A

\

Reproduced from the Unclassified / Declassified Holdings of the National Archives·

Reproduced from the Unclas.sitiea / uec1assrnea t1Q1rnngs.0r me. 1sc1C<u""-'"'·"...,··~~. -·

DATE

Sept .. 30, 1932

Dec. 31, i932

Mch. 31, 1933

June 30, 1933

Sept. 30, 1933

Dec. 31, 1933

Mch .. 31, 1934

Ju.ne 30, 1934

Sept. ~o, 1934

Dec. 31, 1934

il/Ich. 31, 1935

JUi.'1.e 30, 1935

Sept. 30, 1935

Dec. 31., 1935

Mch. 31, 1936

May 20, 1936

,...,.. .f

DAUPHIN COUNTY

Pop. i65,ooo

Including Harrisburg - Est. pop. 87,000

RELIEF CHART

DIRECT RELIEF WORK RELIEF EST EST.

NO .. OF NO. OF N04 OF NO. 0"' cl.'

CASES PERSON CASES PERBfJN

3,350 J.4,070

6,110 25,662

7~025 29,505

6,210 26,082

5.,710 23,982

5,880 24,696

5,775 24,255

3,950 16,590 1,1.00 4;,620

5,200 21,840 250 1,050

3,900 16,580 2,200 9,240

5,725 24,045 l,200 5,040 5,050 21,210 J., 075 4,5l5

6,100 25,620

2,200 9,240 3,428 14,~77 2,000 8,400 3,720 15,624

2,100 8,820 2,919 12,260

TOTAL RELIEF EST.

NO. OF NO. OF GASES PERSON

3,350 14,070

6,110 25;,662

7,025 29,.505

6,210 26,082

5,710 23,982

5,880 24,696

5,775 24,255

5,050 21,210

5,450 2.2,890

6,100 25,620

6,925 29,085

6,i25 25,725

6,100 25,620

5,628 23,617

5,720 24,024

5,019 21,080

t


Reproduced from the Unclassified/ Dec;laSS\ll(;;O HOIOlngs ormem1uu11e11 "'-""'Vv~

~;c_C:

.:,;~

HARRISBURGt PENNSYLVANIA

INDUSTEIAL ACTIVITY

PHONES IN SE..BVIG!: No .. of 'fotal Value ,excluding State Estab- Av.No. \l'fages an Capital of Capitol)

--Year - lisbments Em£ .. Sa.la"t"ies Invested Products Date

1926 200 8,673 $10,933.,700 $28,168,500 $41,901,700 1/1/26 21,.551

l927 185 8.,656 10,755,400 28.,180,ooom 40.,076,.600 1/1/27 23.,463

1928 181 8.,588 1.0,725,700 27,274,700 38,042,400 1(1/28 24,373

1929 202 8,432 11,356,000 30,230,600 41,692,200 1/1/29 26,143

1930 205 7,556 9,564,700 28,743,700 3i,063,100 1/1/30 27,707

1931 221 8,'337 10,099,600 30,675,000 25,722,100 1/1/31 28,833

1932 208 7,262 7,321+,ooo 30,102,000 18,900,800 1/1/32 29,024

1933 202 7,610 7,090,700 28,755,700 20,492,000 1/1/33 26,422

1934 192 7,486 7,984,200 23,547,700 22,539,900 1/1/,4 25,088

1/1/35 25,849

1;1/,6 26,903

5/1/36 27,000

- 2-A. -

I

-·--=-------~-12s1~-12.?~_,___jj~-~-~.-----filL,=--ll:g,._=-------1;zJj_ __ ._=~-----~--=~•-NEw RESIDEliffJ.1IAL no. 424 337 206 139 5s 52 26 6 4. 33

CONS'..L':RUC'JJIOW Amt. 2,032,000

CONSTRUCT I OH

ilLTERATIOJ.1!S and.

RF.JPAUI.$'

Jlio. 171

ft,.mt. 1,691 s 000

204

610,000

1,818,000

106

1,256,000

281

t~96,ooo

1,197,000 765,000

269 294

3,901,000 6,635,000

233

5os,ooo

44-9, 000

259

975,000

287

573,000

282,000

998,000

236

272,000

157,000

186,000

142

1~·9,000

126

86,ooo

110,.000

15.000

93

140.ooo

133

93,000

202.000

93

179,,000

--~-~~ .. .., r= r .A&~~~--~~"~·~•,::a;ic~,r,W4>.,rnFlbe ,sa~~~-~-"""""""Q!t,n,,,~~~~ n .'- rttPl•i$"1~-;:,,.,1l<lf~,.~-=~

TOTAL PERMITS ISSUED

No. 799

Amt. 11.,333, 000

724

3,570,000

708 6"(7

5,606,000 8,050,000

60~-

1,997,000

279

21.t-2,006

'

297

766,000 l

~,.,,,z~ ....... ----,...,.,.,,,~~-:d'A,.~~_,.,.~,,~-~~----~.....-,,_,,,.. . .,~~~-~~~--~~~~ .. ~~"""'---- lr"<O~~~ ~

Jan. 1936 ~~-fl'P>ll«IJlt:'WP -l RESIDENT IAt No , 0 0

v0lTST'.f£UCTIOlif Arnt. 0 0

3 l 20,500 $00

1\i) g 23,265 15,350

1l+ 9 1~3, 765 16,150

·O 10 0 67,000

6 19 12,700 21,300

13 23 n,750 16,505

19 . 52 24,450 10~-,805

,. : ,,

I , f'<"\

~

,,

1 t~ ~....,,.._<:P.-t~=-~~--~~~• ............ , •• ,~,,r:tcri, .. •-·-~~~~~"""'--~1-~"'~111\~~_,,,_~-...~~~.,,,.=~~ .._...,--="'I;~~"~~~,¢,,;,~~~ , V

J -,,-.. ..... .. ,

T,AX.ATIOW Alm BONDED l)lllBT OOLJ.,ECT~CTIOl\f TAX 1.r.AX: GROS$ l~JilT

OtJMULATI'IT:El CllRlU;JNT DEL. RATE Bl~E BON1JED SU.iK:CNG ]01\il)]'J)

~-....l!:l!~----Id!..~-~--" ... JL ... -l1i!___~tl.L.~~~1-~.--!1!l'L---~------~ 9ou:nty Tax £:igu.res a:re only that po:rt:lon ap:pli.cable to Ha,r:cisblu•g but County 1:iondecl d.cbt, :figures a:t"e fo:r the whole Co1mty. County

)0 1931 1932 1933 193~. 1935 1936

1930 1931

in 1932 <l) l ! j- 1933 <( t 1934 m tl C ::

1935 0 ) :.p •::I (U 0 ' ',6 z :::;, ill D

::S ::i' - ~ 0 :,

"' n 01 :J)

c:: = '6 5 0 5 I C 1927 "D j Q) ·!2 .1928 lj::l::::

-~ :~ .1929 ~ .33 0:, 1930 - 0 1931 "D <l)

~ 55· <f) "' <f) co

SQ 6 0 c:: C :::,

::::, <l)

<l) s :S E § g I

~ 'Cl 1,

"D ~ ~ -5· \, ::J O 'l e ~ ,, o_ o:: I ', Q) . >½\~~ a: ~,

.;i,,, ½. ....

~nd City figu.res as of. Dec. 31, each year. School tax :f:igu.r.es s.s of June 30th, each yet,;r. School Tax :figUl''<:lfJ fo:i.• yefJ.'t' e11dix1g 6/30/36, estin1ated.

COUNTY T.ll:.X - AGAINST HABHISBUB.G ~,....,....,.,-=-~·~~~~~,

$75,988,312 106. 538 6 .. oo 71,t'too,925 503,426 65,924 437,502 87% 106,538 6~00 1,021,500 13,1s7 1,oos,313 77, l,}2,675 105,712 6 .. oo 77, 803, 0l+5 481,101 119,562 371,32s 79% ;t~~.]'.12 6~00 1, 111+, 500 l ,Ul+,500 77,794,980 i+ss 120s 111,259 376,949 11% 119$562 6~00 l,0l+l,000 10,000 1,031,000 17, 11.99, 660 6@00

6 .. oo

CI rrr:r T.P:£. -..,.&mlI~~~

88,714,720 1, l419, 1118 1,329,027 94% 113,920. 16.00 100 5,136,400 70,752 5,065, (54.7 90, J)l-5, ~5 l , l.~lJ.1 , 909 1,282. 31-1-7 89%. 95,999 115(00::: 100 1+,943, 544 44,945 i+,s9g,599

1 , l~lt5 , 427 1,189,322 82?& 173,706 16.00 100 4, 191,(:S,0O - 1+, 594 4, 792,4o5 90,396, -5 90,812,435 1,269,673 981,757 11% 2)~.1,321 14~00 100 4,510,{lOO 4, 591J, 1+, 505,605. 90,768,235 1,265,957 25s,733 1,036,387 82% 319,005 14.00 100 4,228,400 7,594 4,220,805 90,663,630 1,223,949 13.50 100 90,512,750 13$00 100

SCHOOL DISTRICT - H.A.RRISJ3ll'RG, P111NNSYLV.111U.A --=---~~~~~

s5.433,510 39,50~ 1s.50 100 86,897,430 l.~3, 72 Hs.00 100 88,124.,Go 70,600 18.00 100 ~rn~ 71 , 720 l,~96 1 000 6~:8l~ l ij34 000 ~ai· ~~;f66 •.' 18.00 100 l6io,ooo 21~:888 ~:~4?5;888 90111+5, 355 1, 21,000 l: 55;000 1$.00 100 ,3 9,000

------

-~~

<t:Il. I

-:::l"

'I.Iii ',

'\, !-- : ,,

lit ·\ ' ·v ,>

,., . I ...... ......_.

•V':,{l "

'D

~ lf) lf)

.lQ (.) C

::::, (l)

£i E 0

.)= 'D

2l ::, 'D

2 Q. (l)

0::: 'I i

(Ta:1eation and. Bonded Debt continued)

COLLECTION OOLLECTIOliT TAX TAX GROSS ll'fillT Cu.nm.lat i ve CURBENT DEL , Rll..T.E :B.A:SE J3 ONDED,, S INKinG '.BONDED

--~!Q]I-1!;,;;,FJ'l,;;;.,,..., ___ n:m ... "!.,.., • ______ .._LE;;;.,VY;,,;_-1,, • ~-~~~-----~~---~e-.. ~ .-..,, .. ~-1932 90,396,825 1933 90,812,435 1934 90,768,235 1935 90,663,630 • -•~6 901 512 I 750

1$3,245 3S6t 775 481,039 559,899 57li, 5).0

1,345.000 1.136,000 1,137,000 1,211.5, 000

85% 34,000 S39b 1r .. ,ooo gt~% 11,000 89% 155,000

Oou.nty bonded debt to Ooun.ty valuation 1,3% City 11 }1 u City ,~ 4.6%. School 11 11 11 School " 2. 7~

17.50 15.00 15.00 15.50 15.50

Legal limit for each of the three 7% of. valuation.

100 3sl4_3, 000 100( 2,980,000 100 2,812,000 100 2,661,000

2.~s7,ooo

72,000 71i.ooo 69,000 81,000 6stooo

3,071,000 2,906,000 2,743,000 2.sso,000 2,419tooo

..¢ I

I..(\

. I

Reproduced from the Unclassified/ Declassified Holdings of the National ArchivesReproduced from the Unclass1f1ea ·' uec1assmea 1101mngs or.me: 1~auu1Ja1,nrc-, .... ,·v~. ' I

.;...

HARRIS BUILDING AND LOAW ASSOCIATION

Harrisburg, Pennsylvania

From our arrival in Harrisburg until our departure, Mr.

Ellenberger, President of the above association continued to

promise answers to our questions, but ple-aded an audit in

progress, and he would not furnish any estimates pending its

completion. For the forms I and I•A we have arbitrarily taken

the figures from his last published statement. The associa

tion does not belong to the u .. s .. Building and Lo,an League,

F. H. La B. System, nor are the shares insured.

STATE CAPITAL SAVINGS AMD LOAN


This institution, we are advised operates more or less all

over the State of' Pennsylvania. It is reported that the in•

stitution pays its agents in varlous cities a commission ot: l7o

to accelerate new share investment.

Mi•. Pierce, the P~esident, flatly refuses to give us any

information. Says he has no time or disposition to discuss his

affairs with Federal representatives. We learned he is not a

fjoinern. His .firm does not belong to the u. S. Building and

Loan League; when our Corporation was operating at loan malting,

he would not accept H. O. L. Co bonds in exchange for :mortgages~

He would not consider, so he says, joining the F. H. Le B$

System, insurance of shares or Federalization8 General opinion

expressed b-y officia]B of mortgage lending institutions :;~Pntaeted

was that the associations' ~ortgages in Harrisburg would total

approximately a million dol]a rs.. We cou,ld find no autho!'it-y fo'J?.

a conservative estimate of what the local real estate owned

volume might be. In making the Pittsburgh '.!'.'&epo!lt,, and a.gs.in

.from Johnstown, we addressed this assoc:ietion at Har~isbm'.'g

asking as to their activity at each point but were not ~avc~ed

wath a ~eply. M~$ Pie~ce held up both letters to us when we - ,.:

called on him at Ha~~isbu~g and seemed genuinely ~esentful of

our having written hlme

- 6 -A

Reproduced from the Unclassified/ Declassified Holdings of the National Archives-

Reproduced frorn the Unclassified/ Dec1assmea HOIOIGQS OT me 1~auu11at,t,o\lG,,,.,Gv_ -

't ---~t--,__- -

,·_.l-

VITLLI.ATuI NELSON Real Estate

Front and Chest:m:a:t \Streets Harrisburg, Pennsylvania

Mr. Nelson.thinks the remarkably high percentage of

dwelling occupancy is due to the change of administration of

State affairs.

Many new office holders have come to the city while old_

office holders, who were succeeded by the new, have been here

so long that they regard Harrisburg as their permanent home and

have not left. This with the normal increase and the absence

of new construction has developed a nominal 100% occupancy of

available living quarters. Low rental units have sharply ad

vanced in percentage, and top limits within the peoples in~

comes are being approached. Development of home buying interest

does not keep step with rental advances. Too many of the new

comers have what may be temporary assign:ments, employed permanent

residents are just emerging from. the effect of the long de

pression and relief rolls are.still high. Valuations for taxation

and the millage are being gradually reduced by taxation is

still high in relation to utility work or rental earnings.

EVAN MILLER

Milier Brothers, Real Estate

This man is the second generation of a firm 95 years old.

Their business is prima.rily property mans.gem.en t and fire in

surance. There does not seem to be any interest in constpuetion~ -

and but casual inte'.t"est in sales;. This fi!IM would fiE;;ltdoubt be

considered ift our Corporation ever adopted a polic~ of p~operty

management tru,ough local agents.' Two years ago, 1~. Nliller

advises, he had 1400 vacancies and·today practically none. His

rental advances seem to about fit with our a.escription of

- 7 -A -

t


Reproduced from the Unclas:sified / Declas.s111ea HOldmgs OT tne Nauona1.AJ:i.,1,wc~

rental advances by neighborhoods, that accompanies the map.

Mr. Miller's opinion is tb.at realty offering prices will stay

high and go higher but he does not foresee any marked increase

in the number of buyers in the near future .. It looks to him

like a continuation of large institutional portfolios.

W. M... HOLLINGER

Market Street


Mr. Hollingerts interest· is primarily in building and

selling new homes. He seems able to keep going at this on a

steady but small scale in the $6,500 to $12,000 range. He

has one and two house operations more or less all tne time in

the ll areas shown on the map in the 9th and 14th wards. He

con.templates development on a small s ca.le in Camp Hil.1 sho"ltl1 in

Green on the West-shore.

He 1s working mill lumber, cement and other material men

to explore whether a profit could be made by building houses

to sell at $3,500. He thinks there ~s a definite market for

such homes. If this proves practical the. building will pro

bably be done at Colonial Acres which is sho1m on the east side

of the map just beyond the village of Progress.

P .. L. GRUBB

Real Estate Market Street, Harrisburg, Pennsj!Yania

From this source it develops that valuation shrinkage

generally throughout the city was much less than has been our

experience in other ei ties, and that .the 'r•ecovery from the lows

has been complete to former highs, in desirable neighborhoods on

properties that are priced in th,e,popula:r field. That 1s to

say, the asking prices have recovered, and generally, bargains

are not available.

8-A


Reproduced from the Unclassified/ Oec1as.srnea HOIOlngs orme l~al!Utlal "'"'"""~

There is still the relative absence of bids and probably

not more than 10 sales per month are being closed in the area

covered by the map* Mr. Grubb thinks there is little shifting

of the population, that there is the general infiltration of

aliens and one generation Americans througout all sections, and

ti_½_at the Negroes a.re generally housed in the 7th and 8th. ,vards.

From him we learn that because of local deposits of brick clay

and because of local brick kilns, about 90% of the st~uctures

of the city are brick, which seems to retard depreciation in

comparision with frame structures.

E .. R. Donald

North 3rd Street Harrisburg, Pennsylvania

This man appears to be the one live go-getter of the

Harrisburg realty dealers. He has closed 15 sales for about

$70,000 in the last two months. This appears to be more than

half of all institutional and brokerage business done during

that time. His effo~ts are largely devoted to inducing in•

stitutions.l portfolios to accept small down payments where

they already own the properties, that is, to sell on contract,

and thereby pro~ote trading. Mr. Donald thinks there is some

gradual renewal of home buying interest and that trades will

continue to be made by hard plugging. He does not consider

the practical 100% occupa~cy of fit u..~its as necessarily a

forerunner of sales in volume. Thinks it likely~ as far as can

now be f~reseen, that the pu~lic is more disposed towa~d renting

than owning.


Reproduced fromthe Unclas.Sified / Dec1assmea HOlamgs-OT tne NallUJlctl 1"\f.'-,• '"'"~-

I .

Inslti tution I I

Bart.~s & Trust Companies

ill1ison East End Trust Camp Curtin Trust Capitol Bank & Trust Central Trust Citizens Trust Dauphin Dep. Trust Harrisburg Trust Keystone Trust Le~oyne Trust Market st. Trust New Cumberland Nat. New Cumberland Trust Penbrook Nat. Bank Peoples Bank Steelton Bk. & Trust

J / '3 TOTAL

Location Resources

Harrisburg., Pa. $ 4,160, 9.31. u n 3,776,681 n tl 3,032,683 u tt 6,~36,261 tt fl 22,373 ,~ u 13,~~7,973 tt If 9, 3,592 n tt 2,457.,183

Lemoyne,, tt 2,774, 7~0-Harrisburg, n 1,054, 5 4. New Cum.berland,Pa. 917,735 New Cumberland,Pa. 457,612 Penbrook., Pa. 1 34,815 Steelton, Pa. 719,260-

-~t \~ 2 z 5.0'lz 877 .

$53.,254,330

Building and Loan Associations

Harris Penn State State Cs.pi tol

TOT.AL .

In Liq_uiciation

Gommonweal;xh Trust Commercial Trust Mechanics Trust Security Trust Union Trust

TOTAL

Harrisburg, tt

* 10-a -

Form No .. 1 ..

Ivlortgages Owned

$ 1,421,223 $ 321,000 248,980 234.,233

5,500,000 310,000 3,700,000 350,000

680,000 51,919 4,773,700 61::,7,311 2,395,095 241,000

865,525 117,320 1,173,3,7 165,.000.

102J>~15 45J>375 12, 00 19.,000

200.000 19,367 i2:ooo 14.,566 l 7.,000 59,000 Bbl:21.000 2!±2:000

$22.,124.,605 $2,861,091

$1,070,296 $ 178,227 174,500_ 23,265

1.000.ooo(est) i

$2,244,796 $ 201,492

0 $ 39.,500 1,140,000

246,000 20.,000

$1,445~500

$ 90,600 86,850

450,000 33,500

1889500

$ 849,450

RESDJllNT I.AL R.1uS I:lJ:!lH TIA!, Sal es Mo ri;,gag e B Madt~

RliJSI!')EMT!AL % FO'.!IDN:l:1~1 R~ :m. 1935 19~,6 1935 1936 . ____________ !Q:R~ '-~ ... --~!,Cl~~ON ...,,. ~----~-----2!2.:..=-~~-~';_~~:!'!.~.=--±~-:_.__fa~JN!.__J.!~ .. ~~-EUT __

ifs :§ ~ ~ j ro Z § ~'. ~ :> z ~ (l) e: £ (I)

O S U') 5 -~ ~ tJ C: o er :r: 6 tJ r:

i ifil 0

Allison East End Trust Ca.mp Curtin Truert Capital :Bank & T:t"U.st

· Central Trus ·t Cit iz 01'1.S Trust ·· ·~;phin. :Oeposi t Trust ti.1:0:tRISJl(mG T:t-ust Keystone T:i."U.st Lemoyne T1-us t M,:,,rket Street T:ru.st I~ew Cumberland. Nat. Bank New C-illnbarland T:t"USt Penbrook National Bank P('>o:pl.ea :Bank Steel ton :Bank & Tl"l.:1.st

Total

Harris Building & Loan Perm State J3u.ilcl.ing & Loan 0~.ate Capital Bldg. & Loan

)

Total

' 'U) ~-

i J;J iii · · Commonweal th Trns t I u ro : ~ ~ •Commercial T1"1.1.st . - '.:l . Mechanics Trust

, Security Tri.tat I Union. T1."Uat

Total

$ 1 J!,21, 223 21 2~s,9so 2½

$90,000 $ 325,000 3 $ 11.300 J. $8,500 l $ 3,500 6 $ 25. 550 15i000 23ti,233 0 0 0 0 10 21,040 14 71+. 261+

5,500,000 25 3,700,000 20

680,000 15 4,773,700 19 2,395,095 23

865,525 22 · 1,173,337 10

102 945 6 12,800 50

200,000 23 42,000 25

90,000 310,000 3 17,000 5 3i,1,,ooo 15 22,800 15 l.J.s.ooo 30,000 350,000 0 0 6 18,800 0 0 0 0 15,000 51,919 3 10,85() 0 0 5 6,300 3 12,600

100,000 667,311 12 71 ,51'7 2 12,2!+3 71i 276,000 17 50.soo 0 2ta ,ooo 2 9,100 l+ 9,}00 '.t L!-, 500 1 5,500

6,970 117,320 0 0 0 0 4 10,000 1 l,SOO «ti 5,200 165,000 2 1,822 1 2,2Ul 10 30,400 1 2,400 I

r-1 l~, 000 1+5 ,375 l 5,250 0 0 0 0 2 5,500 rl

0 19,000 2 7,$00 0 0 0 0 1 ).~,l+OO 0 19,367 0 0 14,566 0 0 0 0 0 0 ' 6 8,000

167,000 lS $,700 59,000 0 0 0 0 0 0 0 0 __li,~QQQ____g,Q_ ______ -1 op_. .QP_q_____J;lt?~~~~_j._lQ.JlQQ __ ~&QQ. __ _g__~--

$22,124,605

1,070.296 174,500

1,000,000(est) 7,000

$ 7,000

$2,861,091

178,227 23,265

$ 201,1~92

9 0

9

O O 90,600 O 39,500 100 S6i550 0

1,140,000 20 320,000 450,000 0 246,ooo 20 33,500 o

$45,000

0 0 0 0

~QQQ.__ ___ :i..,~~---~,--~----------0 .... ..,,,. .. 31!0, 000 0 0

0 0 0 0 0

0 0

0 0 0 0 0 Fl;•~..-~...,.._. ......

0 0

0

0 0 0 0

. ~~.--0

O 3

3

0 0 0 0 0 0 0 0 0 0

,:z::.-n,

0 0

4,100

$ lt-,10O

0 0 0 0

,, --~-~,.~--"" .... .(;_.,,_._~~~~~~~~-~,,.--~--~-,...--.. ~-...-.-~__,,,_~-~ 't:.

:~· ~;

$25,$14,901 37 $l'79,699 20 $95,061 115


Reproduced from the Un_class1fj~a / uec1assmea rmmmgs or. me 1~c111uua1 nn,,-, . .,~. ~- , '.tvl"iil .1.1ro. t, -

1'itl~'"'=- _:-~e1t1. 5-2--36 -~; · B.AlTKS,. ~-,?- COlJIPANIES And ]JORTGAGE GOliPA.t-f.1.ZS,

MORTGAGE ACTIVITY

1~ Is the institution lending on residential real estate?

2. Amount available for such loans!

3. Uax:µnum percentage of appraisal loaned:

4. 1s the appraisal cash market or liberal?

%

5. What are loan periods? :) }ffi!B? Amortization Plan Monthly ___ J..,:1: ... s----

Quarterly __ $~-•~~·~-~-____ Semi-annual _______ Annual ___ -c-:-:----=c

6& Rate. (or rates) of ihtereft charged:

8& Will the insti tutiori lend the maximum 80% of appraised value? s .. :i~

9,.

Will loans be made for the maximum loan period of 20 yearJ~~'-----'--Ye·~e~~~•---

Is a commission charged'? -; ff& If so; who pays it? Give -amount of co:qunission and other loan costs to ~orro,¾-e;-; - -'-"-

Residen;tiaJ,_ 1~13.Ils made in

Other mortgage lo-ans made in 1S34: No-e __ _n ____ _ 1935: lfo~ _ >!!-, .. -~ 1'936: lfo.,_--1---

Am.aunt A_-rri_ou:c1t J._Jnc,x::::.t

ii:l\.n.ou~~ t i-ilS.C'._~rt

ll, Total residential mortgages held by institution: No.~ _ __JJT1ount $_.~~

Total other real estate :mortgages held by institution: No., __Lknount ~ UgOOO

i2,. Vfuat amount of' the total residential loans made in 1935 represented_ refirianci-n-g of' mortgages· fome.t-ly held by this institution? 0 ~-

REAL ES T'.A-'.J;E bYrnED ,

13., Amou;rrt;of- ~s·);dential read: estate owned:- Pa.reels l;l

.Aril:ount of' othBr real estate o'\llmed:

14.-,,, __ :Potential,,,:r:e:s:idential real estate owned during nex-l:; year: ,, ~ii__:...l:5_._)=•tfs.·.·"'-1®=··, __ ~, -~4~-.... p;-1~

Other potential real' estate ovmed during next year:

Other real estate sold during 1935: 1936:

l')l3 :~,_;ol"' Vo,lui 'l?_-_t, ____ . ;'-J!j_. ___ _ ?,:;_ :;_• ,_ :c: 7_ s - ,r .J ,ic

------ -·- .. --~~- ·)·-----·--$---

fih Terms -of iale' 'inclu<ling down payment .require,,i" &~•OX''. :i·,:;,,_.-,~L:'.F d' :)s:V•,n:',')_~ interest rate and if amortization includes allovr_u-:v, f',~:::_- -'.,2_-x:0:c: '.-l.I:•,l in:curanco:

:ete!:~~~m:n~~r=ri~~u:~-~~t fQlf p1:m~tpal em

(over)

l2 - A

t

Reproduced from the Unclassified / Declassified Holdings of the National Archives-

R~produce9 from the Undassifre.dfUec1ass1f1ed HOidings OT me Nauuc,,u "''v•a,~.

·<"':- -

FEDERAL AFFILIATIONS

17. Does the \nstitution ha-ve:

a .. federal Reserve Syste:mmem.bership'? h. __ federa;L Home Loan Bank meI!lbel"ship? c.,. Depos{t .Insurance by FDIC?: · · ' · ··

1-8\ Ts the ins ii tution making' use oT ·credit, facilities av:ailable through Federal affiliations?

,:: •.::.··

~~--------~-----._,_<_;,· __

20. Attitude ·toward Federal program:·

· ~ i;,·,L,i,' ~iv1v - .

GENERAL OPERATIONS

21. Discuss collection methods including percentage_ of loans delinquent and define •such.delinquency:

-~~---~~t -1$% ~e.~ 1n uter~-

22; Growth in deposits during the last 12 months:

.AxmuaI''interest· rate paid on s?,vings and time deposits:

23. General ~istory- ~f operations since 1929:

l'ot ri;at~

n 175,JXJO 'ii' ________ _

... ,,'. ::.~ % -~-~------

. '·., ·.

24~ Summarize internew with offieer contacted: {Seo separate instrti'i::tions)

.--..,,,,.,- , .. ,~-:.-.. ..,;

{If/there is n.ot sufficient s:paco on this form to adequately o-over any particular point, continue your remarks· o,n an additional :gage; i:mnrodiatf.,ly :follow-ing filld -koy the same to this :f'o,i.-i..,;; )


Reproduced from the Unclassified/ Declassmea Ho1aings or me Nauom:11A1c.u,xc~ t ...,.... ___ :. .B'~ No.., 5

~--~ - Rev~ 3-4.-36

.. ·BANKS, ~S .. ? COMPANIES And MORTQ-AGE COWlPAfr:C:;S. -~· • . ··. 'c ,~

(Name of Institu{ion)

( Officer Inter-viewed)

MORTGAGE ACTivITY

(Title)"

1. Is the insti tutio~ lending on residential real estate?

2. Amount available for such loans:

3. I!Iaxi:rnum percentage of appraisal loaned:

4. Is the appraisal cash market or liberal?

5. What are loan periods? l ~ Am.o-rtization Plan J\Jlonthly --------Quarterly . Semi-annual Y~ l\nnual -~----- ------ ------

6. Rate (or rates) of interest charged:

7, Are FHA loans being made? Yaa Title I: $ '6~ Ti tlell: $ jl..1,000

8. Will the institution lend the maxim.um 80% of appraised value? ~

Will loans be made for the m.9.ximum lomi period of 20 years: --------. -

9.. Is a commission charged? lo, If so,. who pays it? Give amount of: con.uni ssion and other loan costs to i1orrowe~

. ,s $ 10. Resident,ial loans made in 1934: No. Amount 19'35: No., ,, .Amount 1936: Nti. ·if· Amcun-t;

Other mor.tga.,ge loans made in 1934! No-. 6 Am.oun:t $ 1935: No. JD Amciu;nt $ 1936: No .. a Amount $

11, Total resid·ential _mortgages held by inst:i.t11ti0n:- .·No-. U,0,Amoi.mt $ 4-f'n!J~'i'~,.,~

T.~ta.l other :i;eal estate. r!l.ortgages held by institution:· No. ~ount $ :3:,..4?3~~1

12. ¾Vhat amount of the total residential loans made in 1935 represented refinancing cif mortgages: formerly held by this institution?-~·· ~~·

REAL ESTATE OWNED··

13. Amount •o.f. r1si.dential :r:,eal estate owned: Parcels +'4 Book Value$ '67~

.Parcels 45 Book Value $_ l$m:.tS~ -------1/4,; · Potential re~idential real. estate owned during next year: $ ~-----~----

Other potential real estate owned during next year:

15.. Reside~tial _real estate_ sold during 19:55: Parcels U Value $ tt,,'1f · 1936: Parcels-, --,.,......,,,.-,._-Value $, 1~!{

•··

Othe·r >real estate sold dur;Lng . 1935; Pa:rcels 6 Value $ :,l~~S 1956: Pan:E:ls ______ . ITaJur _:? ---.~-

16-9 Terms of sile' ·i:o:~lud:ing' \tt>'WTI pfi_ymerit 'required~, amo-ri.iz;}.1.ticn of "balr.ncor interisst rate and if' amortization includes allowQ.ncc for -caxcB and insuro.nco: ~ ~~l~t··~~~ ¢f_f~i*a~~ •t int.~\ . . -~~~t~ d~ pt.~g&

(Over)

13 - A


. Reproduced'ffom the Unclassified/ Declassltled HOidings ottne Nm1ona1 ,".f\_;111\/.c~

1 t$!1~~~

-

-~ FEDERAL AFFI1.,1#:TIONS

17. Does the institution have:

. c.

Fede_ral Reserve System rn:embe:tship'? Federal Rome Loan Bank m$l!lbership? Piiio~ib Insuro.nc·e by FD!C? ·

;:_:- .::· ~ -: ~ . ..._.. ~:·:,;~ r-·4·~-

-------~ ~

. ,,- -· - - -,

1 ·uf. Is··the institut:Icin' :i'!IDkinguse:- of cTed:i::'t fad11.t--'te·s ayailable: .. , •through Federal affiliations?

~·-.. · --·~-... ..,.-✓

-~~~~

Atti.tucle ,toward Fedor_al program: . . _ ; · · 0•• • • ··---•·--- • --:· . _ ,.. ..... :.. • -~ _

-!'~ appl'O#'~ A°t~Jf. '£t,._. A,;,'1o~-~-,_,t, ~: ~~ f• ---~t; •~---~--_-.'~~-- __ 'II, __ .·_:.·._,_ --- •. --✓~---~ --~II:' --~·~.,:.r~~:t '"7'. ·~., ; ~ '·

GENERAL OPERATIONS

21. Discuss collection mothods including percentage ,of' loa~~~ delinquent s_:nd _..,,, .•. de:f:ine ~uch delinqu.ericj( · '"' ·_ · '· ··

.B,y .. ~_ a.,ll•~~ -1~-,~~-t -~ ~-•~~,-~,•- ,.,,, ___ ,,

.~ ...... ~..:-

22., Growth.indeposits during the last 12 months:

J\.m:rual interest ru.te ·paid OJJ. savings and time deposits~: __::_·: ·,:1 · ~·~:.: .:. · ... ): ..:: •.:.; ~.,,_::-_.. :~ ~·~.!· ":

1; J....:~·:z::::<i,F~':;;:;

23 •.. General history of operatioris since 1929: ... .,___.___...,.. -=---~ ,~ ~e fflNi~ ~~~-~ ~~e ~~ &1.tbr~a~;t,f;J~c~ ~N ~~

&~1t- ~~a. ~-~en. g'~ ~~-....~ ~~--~ ~~ l~~l'l>\. ...... ~-~m f'O!'·m.~.,gw~"~,~~ ~tr-~--~ ~"':t9'~ .._.

24. Smnm0.rize interview with offfc:6.r con-t~t~.~~-_(s'~e &eparato .inst:r~.£~~:nir· -:•·;,/ •}'f/.:~~,:~ ••:,:••w•t, ,•,:~•: ,:.,._•,

.;; ... :~ '. : ~ ~- '!'·:· ..;.>

--~✓ ~/2 -

(I{:there is not sufficient apace on this fprrn to adequately oo-ver any particular noint,-- continue your rcma;.k,s on an additir.mal 1rage~ iIDID.cd.iately follo,'<in~ nnd. ~oi tE:8. .. ~mTI.8 to ·ctfi.J:s~fJ~.} ,,0:. ,:-c'' ,L'~ v;:,;z YI,::1~.::/S''>: ,

.-. • ,c.,."-,. •

't


Reprodu~edfrom the Urn;lassifiedj Dec1ass1f1ea t10IOJAgs OT me Na110flcll,J;\IGJ """~.

A.:c:' ~ l':onll Np_,. ti ~- Rev. 3 ... 2 ... 35

-Y~

BANKS,.. {~tiS;t. COMPANIES And MORTGAGE COf,t!?Al';r;:£3S4 H~ 0 ;;., ~-- 0

:MORTG.AGE ACTIVITY

1,. Is the institution lending on residential real estate?

2. M~unt available for ~uch ioans:

3. Haximum percentage of appraisal loaned:


5. ·what are loan periods? l-$ Y•""g Am.o-rtization I'la...-r1 'Monthly __ ____.~_...,__ __

Quarterly ________ Semi-annual ___ J.,,.e..,,s--·Annual ____ ..........,Yas;-----

6 .. Rate (or rates) of interest charged: -·rs1

---..... 6-~---/C 7. Are FHA loans being made?_.,..y""*""'S_.,_Title I: $ l,O~ Ti tleII; ~ ------8. Will the institution lend the maximum 80%' of appraised value? -------

Will loans be· made r·or the maximum loan period of 20 years? _______ _

9,. is ·a:' c:ommi·ssi"on·~harged? - If so~ who ·pays it? G:i:v:e' amcount 61' ccirQmission arid o-ther loari. costs to. ~orrower:

10 .. · Res-:fderrt.i.al loans- made in , H:34:, No .. 1935: No~-. --1,-----

. 1'936,: · No.1_· .... ·i.• .. ·.· __ ~

.AIIl.0'-Fit $

.Amou~t $-'--~.-... -.~ .. -Q;'--..... ---

.Amount $-45h,g~OOO~.u··.·_..__ __

Other mortgage loans made irt 1934: No-1935: N'o'~..,.•-.---1936: lfo.

11, Total· r.esidentiill mortgages held by ins ti tutiom .-No. 641 Amount $:z,,:a,5,095 • • • • •••'•.c,

:1··- -

Tp;fal ·other res.1···;9s.ta~e rn:ot'tgrrg;-es h_eTd'by institution: ·Wo.~ Amount ( . ..2.:J).'79",,8S6

lz. What a:mount of the total residential loans made in 1935 represented refinancing; of mortgages formerly held by this institution? ~ .4,-SOO, ·

REAL ESTATE OVmED

13. Arii.ou.n,~_-◊-.f_ ~e_sid.ential real estate owned: Parcels"""'"'~·~;a,4 ___ Book Value $ :2Jilj;)OQ

.Amount of other real estate O'IJlmed.: .Parcels~""'2:~3~• __ Book Value $ 687,:000

14,,. )?otenti~L-re.sidential real estate 6wned during next year: 4~ _____ 6;=·~--

0th.er potemtial real estate owned. during next year: '"' 'ii'~-~

· 15_.. KesiAeritia;t teal;estate ·-Gold during 1955: 1'arcels . · 2' __ Value $~J,OO:_, _,_. 1936: ?rrr,:;els_~ __ Ye.lue. $ 9:,:300 _ 1935 ~ Pe.:"ce}.t3 Vo lue $ G: 1936; ::?r,;_~ 0,~,1:.::: __ _=-1,_=1r.J;ic :y __ ]JlJlOO... __ _

16.,, Terms ·of 'S'a:le inc1ua·Lng ;_a.ovtn · paym.e:ri:t 0 req_uI.red.,.. a;:,-0..rf:iz,1 ticTJ c,f oa.l:'.D.C0r interest rate and if' a:mortiz.stion includes allOWlliC'J for ·ca:z:e,;:, ur.J. insuranco:

;:;.

P.t'oJ?~£t:"~6:$. ~~:bT, f'or~l~ S'G'ld ~ ~:rt::~e. d;,n pt!l,~snt b.2l~1nce on Dm1:'tgage · whi.eh ~.~~~~ at1:~~fttte~ ~he$~ ~~ti.Gs sn:W at 5$. intere~o:n bal.an®~ · · :faxes ffl'1d' ~e not. itwliM in •ot't~tit!)n_..,

I I

I

Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproduced tromtne unc1assme0J 1.Jt:vld~""'"'U, [7Ul01118" Ui. LIIO ,,au,V",'.'C",v",. __

FEDER.AL AFFILIATIGNS

1 7.. Does the in:sti tu ti~on have :

c.

't;deral Reserve System· membership? Feder'a1 •.. Rorn.0 Loan Bank :m.em1lership? Deposit'l::risurance ·by FDIC? · . ··

. .

18. Iir"the .institution:making'use"'Of- credit facilities available through Federal affiliations?

20 ..

GENERAL_ OPERATIONS

2L Discuss collection methods including percentage of _loflns. delinquent and dE>firte : sucn' di3linquency: · . , 23$ dtlillqtt'8ll:t m int.erest. Notiee of intere.s:t ~; petsan.u eru.lJ

for~osnre:.i · .,, · ·

22. Grcmt;,,,~ in.deposits during the last 12 months:

Annual _fnterest rate 'paid on' savings and timG depo&its :'

23. General history pf operations since 1929 t :1~19~,. • ~de: -~S, fa.l:" ~t ·d'$:~'.GIU:llm8i' 1933•1936 - Withdrew fXOl! field and. have been re~liJ!g ~l ~t~e4 ~~ . ·;·::-·· ., ,.,· ·.· ,.,

.,'.,;,., ' .. ;--

24. Summarize interview with offfoe'f :contflct,e.d:. (S~e separate it1stru,:>-tions J ,.,,._ <:··· ., ,- • ' ,., ,1_

.For ye~s it, ·1iaS been .~a ~~~:;[: .~~ tl!~ ~ ~1i t~.-~. ~~rtg~e -~~ ~b .ite. eoeer~. ~~,de_p~1tt (th~· H~~:~Jio~' Ba~J. ~. h~e ~1? ~Sib!$ bc7 l"~fflil :alt th'si:r ~B~~¥Fti -a ~~f,e€il,f ·.-,;ngage ~~"t' ... ; ~~• ~easa m ~~its :<tees trot ~~, ~r~ore~ .. tl'.iat thlli ~ is ~ailablill .foc~ m.~~ 1:onL -~6¥ stoppeii ~ llfflt. l~fii. in 1'13'. w~ the hanking law was eh~eiii whl..eh :no :to~~ alul'i!mt3d the ga.animteej;.ug ilit' m,c1-rtgage lo~s-,.. Tkq a,.""'e calling m thes.~ mortgag~ at preia~ _ Says t.llel'e is emisid~hh ®!l!&"tti :f'o~ ~~:f;t.aila mon:•~ 1:mt. thig;; b&nk: j;.~_~g :ao- &~~~ft ,!__,.- • _,;.,y . ,.. J::· . ,: ',, '·~1- ' 3."1~ ... , ' ,' ·J- .. ' . ' 11P' 19 u t! .. •:-f,. . . . =4,;,::· . ·· .• ..o, meeu· 1~ ·· ·~ es ...uey. ,~ iitpJ;,t"m& .. ~'.!.., J:-•.., ~ -~ .i~s tll-ey are not 1µ.,.-u1;e:mptl.Jlg

to . pat. any m c;~tio14 · Sa-ys banks wme:h fai.led w"EWe em~Nf~~ed by_ their ~~t-sed ~rtgaga,s,..; · · · · · ·

(1:r--''there is n,et su.£f'icien-c sps.e:c on this form to adequately C'f)vo;r any particular point .. continue your~ remarks on an &ddi tional page,. immediately follo1'Ving o.nd key the same -eo:.t}{f:s feA~:): , ;,. ,

i . '_; :.. f ~; ..

• J _,,. _,,. 4':r


Reproduced trom_the Unc1ass111ea.1 uec1assnrea-no1amgs 01 me.1,aLJuo:a:,,n,v,.,,.w _

_:___ .ft'orm NQ.. 5 Reva 3-2-36

BANKS:t ·· ,~,t COMPANI-ES :And MORTGAGE GOM?ANi:sS.

rTitle)

MORTGAGE ACTIVITY

1.. Is the institution lending on residential real estate?

2. Amount available for such loans: ,",

<ll' ....... ------~--

3. 1faximum percentage of appraisal loaned:


5. What are loan periods? , 1 a~I' Amo-rtization Plan Monthly _______ _

· Quarterly ~'8$ Semi-annual Annual ----==------ ------- ------60 Rate (or rates) of interest charged:

7. Are FHA loans being made? ~ TitleII: $ -------8. Will the institution lend the maximum 80% of appraised value? --~

Will ioans be made for the maximum 1 oroi period of 20 years? ~

9. Is a commission Gharged? • If so, who pays it? Give amount q-f: con,mission and other loan costs to 'Sorrowen--

10. Resia~ntial 11,ans made in 1934; No. '.1 Amount $~:JJIJ,11 . -~·-;;; 1935: No .. .t Jrrn.ount $ '.l~:1'~10 1936: No. 1 ilmount $ ..i. ~ . f1-· .

Other mortgage loans made in 19-34: No. ~- Amount $ 1935; Uo. 1 Amount $ ·1,jm,J 1936: No. ~ Amount $

n. Total residential mortgages held by insti tutiom -No. 1ft Amount $ ;16~~:i

Total other real estate :mortgages held by institution: No •_____A_ Amount ~

12. What amount of the total residential loans made in 1935 represefited ref:iuancing of mortgages· formerly held by this institution? -~-- JJ;ffl,"",=:·_, __

REAL ESTATE OWNED

13. Am6unt of' :tes:i:dential real estate ovmed: Parcels ____ •=:t ... ~ __ Book Value f~ l.1?;11~

}._mount of other real estate oil\JTI.ed: Parcels __ =l __ Book Value $ 31~

14,., Potent:~t:i:+ r~sidential real estate owned during next year: $ &,.i:71

Other potential r~al es~ate owned during next year:

15.._,: Re.sidential real estate sold during 1935: Parcels Value $ . _· - ,fi: 1936! Parce}'.s ____ Value $---·'""'o ..... ::--

Other real 'e:state sold durtng 1935: Parcels 1936 ! Psr.nels ___ _

Value $ f$ Value $ 0

1i<W Terms- o:r sa:le includint down pa:y:ment ''i<equir€3d, amortization of balc_nco, interest rate and if' runo:ri::izs:tion includes allowance for taxes and insurunoo-;


Reprodbced fromth.e Unclass!l!ea I uec1assmea 1101rnngsorme.mrnuoa1 "'"',"v~-.



a. Federal Reserve System membership? b~ Federal Home Loan Bank membership? c. D_epos_it Insuran,ee by FDIC?

' ·~

---~-·· ..... · ......... -~-....,--J:8~ r's· the institution making use of credit' f'acii'ities available

through Federal affiliations?

19e Exteirt of' b~'rrowings or advances: ,, . ~P ___ ~.;,, .. · __ _

20. Attitude toward Federal pr_ogram:

GENERAL OPERATIONS.

2L Discuss collection .methods including percentage.of loans delinquent and define. such delinquency:

22. Growth in ·deposits during the last 12 months:

li.:nnual ·fn.terirnt rate paid on savings and time deposits:

23. General history of operations since 1929:

24 •. Smm:n.ariie interview with officer conta.ctep.: (SGe separate inst1::us,tion~)'

(If·there is n.ot sufficient space on,-this .form to adequately cover any particular point, continue your.remarks on an additional page, i:mm.ediately following and koy t~e_-0o..m~ to this fo-·~..__) · -


Reproduced from the Unclassified/ uec1assif1ed Holdings ot the Nat1ona1 Arcmve,;_

Form N.o. 5. Rev. 3..:2..;36

· BAf\J.KS~ l';tt(fs);. COMPANIES And MORTGAGE COMPAniI'.:S. ·

Name of· Ins ti tut ion) LEIOD'lt,: ~¾NSltV ~

· (Address)

Of'ficer Interviewed) (Title)

MORTGAGE ACTIVITY

1. Is the institution lending on re.sidential real estate?

2. Amount airo.ilable for such loans: ~ l(ID,000_· ---

3. Maximum percentage of appraisal loaned: 62·

4. Is the aprraisal cash market or liberal?

5. 1'1fhat are loan periods? --=1,::;.:-... :; .... · ____ Am◊'rtization Plan Monthly __ __..11'.a:_s ... · ___ _

Quarterly _ _,'f~e~w"--,,-----Semi-annua1 __ Yi~•·e$=·---Annual ____ ~--


7. Are FHA loans being made? Yes

8. Will the institution lend the maximum 80% of appraised value? --------Will loans be made for the maximum loan period of 20 years? Rn ""'12 years

9,. · Is a _commission charged? Ne If so, who pays it? Give amount ~f coDJIDission and other loan costs to t,orrowe-;;---·-

10. Residentia,l lo~s made in 1934: No. j Amount $ l.3 1935: Noe '10 Amount l ····30 ,. ' .

1936: No. l Arriount $ i,~':t: Other mortgage loans made in 1934: No.~ i Amount $ 7~500,

·19-35: J:Jo. ~ Amount $ ,i:J 1936: l'l'o.,. 0 Amount $ 0

11,,. Tota.I residential mortgages held by, insti tution:-.-No~_/456 '. Amount $111173,;i;,3'7

Total other real estate mortga~es held by institution: No. 1~ Amount $204~686

12 •. What amount of the total residential loans made in 1935 repr~sented refi:rra:noing of mortgages formerly held b;y this institution? $ · ·· ~09 _ __,_

RE.AL ESTATE OV:ffiEb

13. Amom:rt Of; resiq.e'fr~ial real estate ovmed:. ,Parcels 4;

Amount of 6ther real estate owned: Parcels '4

1/4:~- Potential.- re,s.idential real estate owned duri!l€ next year: $ 5~ 3 pieees ---------Other ~otential real estate owned during next year:

15,. Residential r€:lal estate sold during; 1955: Parcels % Value $ :t*m 1936: Parceis--,,,1,--.--,Value $~'"'"'.it\""':'.--

. . .

Other 'real 'e,s't'ate '$old dur:f.rtg - · 19,35; Parcels 4. Value $ ,,.ij5·>. 1936: Parcsls-____ Va;tue :$

~~-

lo; Terms of 'sale including down· payment re-quired, amortizatic.n of balc_nco,. interest rate and if' amortization includes aj_loy,anco for taxGs and insurance:

(over)

16 - A

f


R.eprodi.iced fromthe Unclassified /Uectassrnea c\010\Agsor me l~allUl,1.ctlr,\101,l<>C-~ ,

~-:' ~- -

-';'"~

-



a ... Federal Reserve System membership? b.', _F~de-ral noni.e hoan Bank membership? c. Deposit Insurance by FDIC?

~ , ,;: '

~----.-~

18~ Is the institution making 'use of ere di t facilities available thr6ugh Federal affiliations? ..-..-----~=-=··•--~-

19. Extent of' borrowings or· advs::nces:

2Q. Attitude toward Federal program:

GENERAL OPERATIONS

21a Discuss collection methods including percentage of loans, delinquent apd define·· suc:tt delinquency: 1?~1.'•Ji~ ~QlllW.et• -1~ree~e W'h~ ~~_,.; . ~- dafi:ttqu.ent ~e: .30 ~ in in:ter~ ·

22. Growth in deposits during the last 12 months:

. Annual interest rate paid on savings and time doposi ts:

23, General history pf operations since 1929!

~ ~er. st$~ ~g lG&s alt~ ~· ~~-- :t~r· ~~a~ m~.nq.,lla$ ~ ott ~:tt$ideaol:,;., ' ·. · ·.,, · ':_,_

24-o SUill_mn-rize interview with officer cont;_ct~d: (s~e separate instr1t~~tions) a ';:- ',

~ ~, ie, a ~bd_ b~ @~ting ~~t ~mplectel;y; UJ, ~e,11 ~ io-. ~ the rive:- i'~ ~-.,_~ot, !hey ttt'e: f.i~ a~e' 4'1, c real. eetate.~~- .

,, ,. ' ' -

,, - / .

(If there is n,ot sufficient space on this form to adequately cover any particular point~. continue your_remarks on an add~tional ~age, immediatelyi'ollowing and -key the same to this fo-,;_._,_.,} ,., •,

Reproduced from the Unclassified J Declassified Holdings of the National ArchivesReproducecttrom meunc1assmea J, Ut,t_;Jd:,,>JIJ,t:(J nvn,1119" CJLU!t: i'.'latM,1m,01v1rr,~~-

.t:"Prm No.... 6 '.Re_:v •. P~.2•3:B

(Name of J'.nstitutj,.on)

(Of'ficer Inter-viewed)

MORTGAGE AdTIVITY

1., Is the institution lending on :residenthll real estate?

2. Amount available for ~uch loans:

3. Maximum percentage of' appraisal loaned:


5. 1Nhat are loan periods? l - J ~., .Am01Ttization Plan 1fonthly --------Quarterly Semi-annual ~ Annual -------- ------- ~-----

6. Rate (or rates) of interest charged: ----'~· ___ % 7. Are FHA loans being made? 'I~ Ti tlEf I: $ i~-r4l, Title II : $ &,8-0

8. Y\Till the institution lend the maximum 80% of appraised value? ~~ ....----------l ~ Will loans be made for the maximum lotm period of 20 years? ---------

9... ls a cornmt"ssion oharged? · ~ I:e so, who pays it? Give am,ount o-r CO~$$ion and other loan costs to ~rrower:

10~ Resid~n~ial loans made . in 1934: No • , 19:$5; NoQ -,,,• ~

1936: NQ. ~-

O_ther 1'.Lortgage loans made in 1934: No. 1 1935; :ffo •. g

1936: l'Jo0c 0,,

11, Total residential mortg.ages held by insti tuti-on: .-lfo. .Amount $lm~~I -----Tq-tal othe.r re.al estate mortgag_es held by institution:· J:fo. -~ Amount $!~~

,, ' ---12. What amount of the total resid~tial_ lo_a.'Yls made ip 1935 represented

refi:nsJ1cin'g. of' mortgages fonnerly held 'by this institution? $---~--.._.._

REAL ESTATE OWNED

13., l\m.o:unt ·of' residential real e.state oi>med: Parcels,....._"f_· __ Book Value 1~4-S~ffl

.AmoU!lt of, o;th~r .real esi;ate owned':.

l~.-.,: Po.t·ent±a.1 · r~~±dential real estate owned guring next year: $ ,~~ ---------Qtn,er potential r:3al estate, owned during next year:

15.. Res.ide:p.i;ial ~ea.l est8;te, sold duting; 1935: Pan:,els 1936: Par•,2ls

T(;l.l'"l!lS of s9:.le. including ·uown paym~:tit requfred, tli\or-1:i:til.t;i,,a:J -~-f

inte1:~5.t ;:ra,~e _ ~n4 i,:f; ~o~tifation _ :i.n_c11:,a:s .al,lqvr~ncD f~ fie.xv ~--~ ~. '~~-:~ ~~ jli!~~, ,~~,t@l' ~ ~~·~•i:~-:~ ~-~-~t ~' ; •. '" - ,_ ., -,,_,,., ,

(over)

17 - A

0c,J~"'.J'.1~0 !'

u.r:• l incuro.nco: ~,"te\1'-~ ,,....~~~~~~

1


Reproduced from the unclassmea,, uec1assrnea n01rnngs 01 me 1~auuI1d,.,._,.,.,,,.,·v~.

-· ~:~'-"~ J FEDER.tu, AFFILIATIONS


a. Fe,deral Reser-ye System'membership? b; Federal lloilie :·Loan Bank memoership? c. Depqs~t :I:nsurp.nce by FDIC? ·.

18. Is the instftution miking use of' '6redit facilities a-vailable through Federal affiliations?

19. Extent' of borrowings or' advances:

20. At:t,itude: ;toward Federal program.:

'f:~~~i,r-~.

GENERAL .OPERATIONS

21.. Dis~-qss colleQtion. methods including percentage -of loans. delinquent and .. " de.fine such delinquency':

'.•,

b.' :bt~ ·a~ ~I~

22. Grovrth in deposits during the last 12 months~

. Ari..nµal inter'est' rate paid on. saving;s _and time deposits: ·

23. General hist9_ry 9f operations since 1929: ,.. . ' . '

24. ~um:marize iJ?:terview wj, t_h, officer :contacted: (Sec sElparqtci~ ins,ti:µc.tions)

~ ,,,~;~ t:,,f' ~~ ~~~, ~~ ~~ •i~ i~f'~ ;;,.·•·"'''""""' \\iii':¾ ... "'!iillif

• .. m -~- ~•- m ~- &1\, ~'.il.t. ~ ~ ~:;;, ~ i,,-;~,s.~~~11 ~~ ~ ~ ~~t~~"~ ~t '~'~u-·f~ . - ' - '. r ~t . ~-~~~Q~~~~l~_~LZ~~~ ..

~-(If· there- is not· suffici-en:t sp2';co on this form to adequately c-over any par-bicular point, continue ;y:ou:r: ,,,ri;,!Ila:r;ics on an a.udj,.tional page:. ~:rmn.~q~a~el.y follovdng and

·ko:y:: tte .~~e t<;> ·this fo·-""1·;}


Reproduced from the Unclassified/ Dec1assmeo M01Qtngsonne.Nauu11a1/"\n.,,,,"""

. fi.o..rm .No.! b ~~~~ Rev. 3-2-36

_, ·· BANKS.,.. %:K(fS,.'.t· COMPANIES And MORTGAGE_, COMPArrr8S.

(Title)

MORTGAGE ACTIVITY

1. Is the institution lending on residential real estate?

2. Amount available for $.uch loans: $ ---5~0,008:------3. Baximum percentage of appraisal loaned: ---$--__.%


5. Vfuat are loan periods? ,l ... "3 ,rs:... lurlortization Plan Monthly_~-----,.-----

Quarterlv Semi-annual Annual "---'-~----- ---l'::1::· -~sills~--- -------

6e Rate (or rates) of interest charged: % -------' 7. Are FHA loans. being made?_...,y.,.,~.,.,s,-.·-Ti tle I: $ _____ Ti tleII i $_-,1;,4...,:@'...,;J.-.OO...,, __

8. Will the institution lend

Will loans be made for the

9., Is a oormn.ission charged? Give a:m,ount·of' coIQiflission

10. Resid~nt,ial loans made in

Other mortgage loans made

the maximu.111 80% of appraised value?

maximum loan

a If so, arid other loan

1934: No. 1935: No. I.936: NQc .•

in 1934: No. 19-35: -•1fo~ 1936: No,.

period of

who pays costs to

j'

20 years?

it? lSorrower:

A.'TI.OT"l"C

AT'lou.nt Am.curt.

4.-~'IDO in ~eesa Yu

11, Total residential mortgages held by insti tution:-.-No"-:2 .Amount t l2t$Q

Total other real estate mortgages held by institution: No. _______ .Arnount $---&-

12 •. Vfuat amount of the total residential loans made in 1935 represented refinai:tciri;,,· o.f mort.a-a.o-es formerly•·· he'ld.·b-"" this institution?.~--

io O O J ----~ne:

REAL ESTATE Of'JNEI)'

kmoun·{ :~f' reside:ritial -real 'estaf;~ .. Oil-J1l'ed! Parcels _ _,4,_.· __ Book Value (~~

Amount of ·other re·al. estate ovmed: .P-arcels _ _.,.,0,_: __ Book Value $~_ ..... 0 ......

lL1.,.__ Potential .. r.e3,idential real estate owned d.urin.g next year: ~\----------'-t r nGJiG

15,. R,esideri:f?ial real estate sold during 1935: 1936;

<> w __ .._~-..:1;;:;'--~--

16_._'~ Terms'. ·o:E7 :sa'.l\i·•·1nc-luding down payment' re'q_u:tre-.::1.'.: 3:;~,a.c-1i.:..,.,t,i:n:-,, r,f '.Js._l.,·.x1~0_~ inter1:,st rai;e and if' amortization includes allow~·,nc,~ £,,:- ·::e.x-:.s :l..Y,J insurn.nco-:

~~ ~~ ~--~ : ~,~ ~ )tt$~,· ~~et ~d ~$ p.ai~ ~ ~wer. _.;·

(over-)

18 - A


Reproduced fromthe Unclassified I Dec:1assnrea-Ho1□1Rgsonne 1Nauonc11.f\1.1.,11,,"~

FEDERAL Afi'FILIATIONS

17. Does the institution have!

a. . Feder.a.]. ,Re,,e,rve Syst~m l1lem.befshipr 1i". Federai Rome··r;oan Bank mem.b.Ei:tship? c .. Deposit Insurance by FDIC?

. . Ye1a ~· :··---__ fll_-,---~~~-•-~

18. 1s· the-'instfwt:fon :ri:triking <u.r:£ of-· c-redit- fn:cilities availablethrough :Federal affiliations?

19 ~ E~ten t o·r bcfrrowi:rigs or :itlvanc es :

2Q. Attitude toward Federal program:

~a~tl~,. Like;s .F~ _ » ... -_~;. ~-GENERAL OPERATIONS

. . . .

<\ ~,:..___ __ _,mm ... -,.....e .... c...• ----

21. Discuss collection methods including percentage of .loans_ delinquent and · define such'deli:r:tquency:

~el~ ~t ln Inters~ l ye~~

22. Growth in'deposits during the last 12 months:

lrnnual intere-st rate ·paid on saving.s and time dopo:;;i ts:

23. -General history pf operations since 1929:

24. Sum:rrmrize interview with officer conta_cted: (See separate inst:t,uctions)

~ r~-~tat-e, v&l.tte-s smr.mktl,; -~ _ot:lj~_val.u~ 111 thl.$,_hnrhc ~ are- •lf at, 9~ r>E l.~l!' · ,_ ·

ltents ,fell. to, ~$ (t}f 1~ 'but ~- Dff l.OOf er slig"nU-y abQ'lr-e 19:z,..,

Bella:a~_ F,.,, 11;. L ~ ~ ~eve pu.sli;e a~U:ti.~e, and relietffl dthdra-wal.¢,..

(ir''-f~here is not sufficient space on· this form to adequately eover any particular :Point, continue your r~miir'!ts on a.n· a:d'd:±tiona1 page-:, immodiat-el-y :follo--.V-ing and

. key the srun.e to this . fo>¼ • .). y ,., .

I i

Reproduced from the Unclassified I Declassified Holdings of the National Archives

Reproduced fr~m the Unplassme91 uecIass111ea Holdings ot tne Nanona1 N1,111v=

___ .i: ui-.\1-l 1~0.i 5 Rev. 3--2-~G-

; BANKS,. ~T$,J.J, COMPANIES And MORTGAGE COMPA1,d~S.

(Officer Inter-viewe~)

MORTGAGE ACTIVITY

1~ Is the institution lending on .residential real estate?

2. Amount available for l;)uch loans:

3. l'.-iaximmn. percentage of appraisal loaned:

4. Is the.appraisal cash market or liberal?

5. What are loan periods? 1,-) ~ Amo·rtization Plan Monthly --------Quarterly Semi-annual te-JJ Annual


7~ Are FHA loans being made7 ~ Title I: $ ~~ TitleII! $

8. Will the institution lend the maximum 80% of appraised value?

Will loans be made for the maximum loan period of 20 years?

9 .. Is a commission charged? If so, who pays it? Give amount of commission and other loan costs to 1$'0 :r'rmaie r:

10. Reside:q.tial loans made in Amount$ /',--

A.111-0urt+. q?

J.rr.c u:-: t ~

Other mortgage- loans made in 1934: No._~8~''- Ar,,_o-.. EYc

P.1!1.0 u;.-: l: $ , G'l -- ~ ~ - -

- 1935: Uo. __ ·...,~-----~- ,p . Iii,- --- . --------

1936: lfo. ~ Amcunt 'ii' _________ _

11, Total residential mortgages held by institution:---No, ___ Ji..:moun.:t $ ~-~

Total other real estate m.ortg;ages held by institution: }\Jo* Amount $ ---12~ What amount of the total residential loans made in 1935 represented

ref:tnancing of' mortgage.s · formerly held. by this in,sti:tutionT $ --------REAL ES TATE 0-VfNED

l3o .Amouni, of __residential real estate ovmed: Parcels_~4~' -~Book Value $ ~""~

limount. of. other real· estate oym_ed: ::' _ . ?a.reels fl Book Value $ O---~-- ----14~ Potential +$$:i-,dentfal real estate 011trned during next year: $ ~ ----='--~----

Ot~er potential real estate owned durin~ next year:

15,. Residenti1:d real estate sold during 1935: Par0els O Vs.lue i 1938: Tlflr•,21n~ ___ JL__=v&_lue $------

1935 ~ Pe'."'c:ols .o, Vs1i1r-: $ 1936: J,;_,_,,,,::ls ____ ~ ___ _tr,Juc 9 _________ .,

lo; Terms ·of 's-al:e< inc:1:uding; ::aown payr;ent -ie.qui.re,d;:, B:C,OX--'..i:i:'1.t,ic,y_s c,f ::is1··.nc0~ interBst rate and if amortization includes aliovm.r:c'; f\,r ·;:e.x,.:,s u.r,.l insurn.nco:

( Over)

19 - A


Reprcid.uced from.the Unclassit1ea / uec1assmeq-Ho1rnngs or me_1~anuua, "'·"'·"'~-

,,;


17. Does. the institution have:

a.. 1?ederal Reserve System m~bership? b... Federal Rome Loan Bank-membership? c. Deposit Insurance by FDIC?

1.s·.. Ts· the- ;institution- making'use of ere di t' facfli ti;es available throi.:tgh Federal affiliations?

19,. Extent- Bf bi:frrbwings· or advances~ ,, \P __________ _,_ __

20., Attituo.e toward Fede:pi.l program:

GENERAL OPERATIONS

21., Discuss collection methods including p.er,eentage of loans delinquent and def·irie · su<;b\'delinquenc-y:c ... ~-~llri~~ent.

22.. G:r.mrth in deposits during the last 12 months:

lu.mtial in~erest rat~-paid on savings and time dQpof;>its:

23~ General ~isto.ry @f operations since 1929:

24,. Summtu-±z.e interview with officer -contacted: (See s·eparate instructions)

(1r<t . .h.;;,re is n.et sufficient spac-o on· this ;fonn to $..dequatcly ci-Qver any particular point,, co-ntinue your remarks on an additional page 3 i:m.mediate-ly ·:1:ollowing and -key t.,i,,,,e some to thi"s · fo;trtr:;)'. :"-<

Reproduced from the Unclassified I Declassified Holdings of the National Archives·

Reproduced from the Unclassliled ·' uec1assmea MOIOmgs OT me, NaUU/lcfr "''"""Yvv_

.:.fi:or:m N~ 5 Reil. 3-2-36

··· BANKS,.. $.tU$,.'.l;;i>.COMPANIES And MORTGAGE COl,ffANI:SS.

(Officer Interviewe-d)

MOittAGE ACTIVITY

i •

(Title)

1, Is the institution lending on residential real estate?

2. .Amount e:vailable for s.uch loans:

3. Maximum percentage o:f' appraisal loaned:


. 5. lNhat are loan periods? 1 pia:r:. .Amortization Plan Monthly ---------Quarterly ________ Semi.-annual ___ y~e~s'-"---Annual _____ _


7. Are FHA loans being made? Yea

8. Will the institution lend

Will loans be made for the

9. Is a coJ.llillission char~ed? G-i-ve amount of co:n;un.ission

10. Residen,tial loans made in

Other mortgage loans made

the maximum 80% of appraised value?

maximum loan period of

If so, who pays and other loan costs to

1934: No. r:· 1935: No. 1936: No. 6

in 1934: No~, 19-35: No.,·, 1936: No.

20 years?

it? ~-orrower:

.A:m.ount A.rrwu".lt. .tmcu:::-lt

~ • ., -.. 1-:

JL~o-..Eyr; '----~---J\ . .I!lOW'.\ t, ?- · . _ _ Jt: -"--·-----··-Jrrnc1.m t 'ii' ___ :ff _______ _

11, Total residential mortgages held by insti tu:tio:n: .-Jfo~_~ount $ 42J)DCi

Total other rea~ estate mortgages held by institution: No. ___ .Amou11t $~ne

12.. l;'\lhat amount of' the total residential loans made in 1935 re-presented. ref:i..nancing of mortgages: formerly. held by this institution?--~--- · ~.

RE.AL ESTATE OWNED

13. Amount- of residential real estate mrme-d: Parcels ___ · 6=. __ Book Value $·

Amount of Other real estate 0111med: .Parcels ___ O=:· __ Book Value $ ____ 0

lil;•· Po:tentiil:.re.sidential real estate owned during next year: $· _____ ..,n.,,a-il...,e;.._. __ _

Other potential real estate owned during; next year: 6 'iP __ ~_ .... ll,l,.,.·'"' ... n,.e,..._ ____

1.5,. RGsident.ia1 real estate sold during 1935: Parrels ----1936: :Pur-,s:'113'

1935~ ' 1936:

J.\'.L, Terms: o.f s'a:la it.icludink down payment r:e.qui'.r'e,:1: a;-:;O!'.'~ 1.:3.)t;ic'!\ ,,i' 081'·.J'.lM,,_ inter-est rate and if amortization includes allovrc,r~6~; f,,::- ·'.-e.x;;,s u.r,J in,c;uranco:

(over)

20 - .A

"t


Reproclucecffrcim the Liriclassified / Decl.ass11led HoldlFlQS 01 me N31IOnahA[GiJ!)/t,O


17,,. Does the institution have-:--

a. b. c.

.Feder.al. Res~rve System membership? Federal Rome Loan Bank membership? Deposit Insurance by FDIC?

Is the 'institu,;;ion makiri.g use- of· ere di t' facilities available _thrOugh Federal af.filiations?

19. Extent o'f borrowings- or advances:

20 ._ Attitude toward Federal program:.

G:E1'.1ERAL OPERATIONS

21$ Discuss collection methods including percentage of loans delinquent and de:fine such ,idelinquency:'

P~~ e.~~et..i ~t lt$ &!i1m~~ m- intere~ - 6 m~ila ~~t,-·- pa~ents-_ l>~M,lg •®*

22. Growtn in/deposits during the last 12 months:

lumua:f interest rate paid ori sa-vings and tim-0 depo$its:

General history of operations since 1929:

24. Su1!lIDarize interview with officer contacted: (See separate instruct-ions)

- -~,.:'

OfficR neat intettiewed~ :tlnr, ~ a ~~lJf ··• u~U~ ~ waicl! e~r.~e-~tr,Ertea 011: SJRali. •:rtgages, ,Only_,

',J

(If.there is not sufficient spaco on tl;lis form to adequately CGver any p6-rticular _ point, eontinue YOT!r remarks on .an- adci·ition-aJ_ page:, immediately f"o11owing and -k(}y the snme to -this -fo';t;rita,) . :r .

--·~s. ... -f.!i

Reproduced from the Unclassified I Declassified Holdings of the National ArchivesReproduced frol)l me uncIassmeo I Ue<:.,1a;;;~me,u. rn;1U\H\j~ Ul me: 1,a.nwa, n>v,,,,-

Fonn No. 4 Rev. 5--8-36

BUILD,ING &: LOANS, HO:MESTEAD ASSOQ'IATIONS and ... ,POOPERATIYE BA!'\iKS

(Officer Interviewed) (Title)

MORTGAGE ACTIVITY

1. Is the institution lending on real estate?

2. Ratio of loan to appraisal: ------~:'iG=-. _______ %


4. 'What rate (or rates) of interest is charged?

5. 'What is the loan period ( or periods)? ~ --~

6. Is a commission charged? .___.__ ___ If so, who pays it? Give amount of commission, if any, and other loan costs to borrower:

~.rtg~~ p$-~ 'fit-'!& ~~,liil ., •• t~

7. Present mortgage account: Re.sidential Loans: lfo. ·other Loaris: . No.

8. Is the institution :making FHA. loans? .

9. Ir so, to what extent in dollar.volume? Will the ,institutions make F:ffA. Title II loans up to

the maxim.um. 80% of appraised value?

Will loans be made for the maximum 20-year term?

Total residential loans made: In 1934, No. 1935, No. 1936~_ No.

---- .Amount Amount

--- .Amount

11. What ronount of the total residential loans made in 193-5 represented refinana;_ng of mortgages formerly held by this institution? · *-~~-·=···-,..._ ___ _

12~ .Amount of money available for mortgage lending: & 'lf'___,2.._!f'-ll·#'"""@,.,.<·-.,·· ___ _

13. Does the institution make direct reduction loans? Describe any other loan plans:

RE.AL ESTATE OWNED

14. - Residential. real estate owned: Noo of Parcols,. 1: .. Book Value $21., Other real estate nwned: No. of P4,rce1s · Book Value $ t -----

15. Estimated, additional. residential real estate to .be .ac.quired 2: $ 1~,IJ!Jt in 1935, --~ ...... '------

Estimated additional other real estate to,be acquired in 1936; $ ~ -=="'-----

16. Residential real estate sales: 19351 No. of Parcels~--- Value.$ ~Q, 1936, No.-- or Pare.els Value $ ~&M

Other real estate sales: 1935, No. of Parcels 1936, No. of Parcels

---~ Value $ ;r~ --·-- Value $_ iff®ft

17. G~ve down payment and terms required on owned real estate sold; interest rate ;:.;. / .. on unpaid balance; does payment ·required include amortization of taxes and

insurance?

" (Over) 21- A


Reproduced frQIAthe Un£1aS~!~ed, ;_yecrassme~ i]OI0IRgs-oT me l~c!ll:°IJCll ,ut,,:u,v~, . • ,

t ".,.;_ .:_.::: - .2,,(;,.,~~-.t~-,2:,.,.:.. !J1.vu \J fau.Q:G~~SIUJ methods of disposing of re~l estate owned:

I

£_,~.,., ~-,

-:.,.~

-

..

FEDERAL AF?ILIATIONS

19. FoderaL Homo. Loan Dute

Bank Membership? _______ Sine~ Federalized? By conversion or new association?- -----

--~-- Share JnsuraJ1J..~? Since · •

' 20. If tho institution converted and/or insured i..., sh{'lres, on what basis ,wore the assets sogregated.?

21. Is the association making use of credit facili t.ios available through Fbderal affiliations?

22. If so, givn amount of pr:esent borrowin~ .or aclvancos from FHLB. $ Treasury Subscription: $ _____ E0LC Share Investments: $ -------

23. Attitude to-ward federalization, share insurance and credit facilities:

I I ~:-

GEWERAL 0PER..~TIONS

24. .Give collection methods, including percentage of loans delinquent to total loans. (define such delinquency):

25. Discuss withdrawai situation from 1929 to the prosCnt:

26. Total amount of new deposit!:\ and/or share investments during 1935: $ ____ _

27. What mothod9 are us,ed to obtain nqw money?

28.

29.

~~ r.wt .. tt-i~, ts,, ge-i. .. ft~ '~$-J' ~fl~ t~~ ~,,.

Last divid.ond: ---~---....(D_a_t_e....,)-'-.. -----

.~ll.~ -1~ · In your opinion is this {nstitution in a position to meet

legitimate .domands upon it for t.he. financing of home ovrn.orship? If not, why, and what is necessary to enable it to function?

30. Goneral History of ope~ations since 1929:

ltiae~ a~e n~ ~•.•~.-dti~J:SU .~M ~- ~~~,.,.

~s:g:4l~!,~t,~:tl$, Ji~ ;t't.$ -

:,,!♦3 :~ ~ 'Ji\'fbf) .u~ ,~ a poo:1:t-iml ~ i~~ ~t:i:!d.~m~1~ •~ . f• I~;;, ·,-~J'- ~· ~•l:17~ • ~'tit~ • 5~lf ~is. ~i ~wt h~~~ d~1' m?-~'f~ b®:rs:i ~!i;.tiv~. !11~sE: ~;~$'t ti";"~ ~s*

(If thcr? is not sufficient spuco on this form to adequutoly cover any particular point, ;q.ontinue your .romark:;,. on .D.c"J. addi tioual page~. immediately. fol1ovtin.g and key tla? same t'o' this f'orm~)


Reproduced t~mte l!Q;~lfs~ifi~ ( lJec1assnrea ff0IOIAg;s O_T me. l'allUUcfl n,0,u,:= t """':"- .._ ....,.~..._ . .!..t.i. ..l~V,!, ,~. · ~-."1--'~ Rev. ·3--2-M

..;,_ BANKS,. );x(O'~ COMPANIES And i~ORTGAGE· COIVIP.&1113S. -

(Title)

~ORTGAGE ACTIVITY ..

le•·- Is the institution lending on residential real estate?

2 • .Amount available. for $Uch loans:

3. Uaxirnum percentage of appraisal loaned:

4. Is the app~aisal cash market or liberal?

5 •. 11\lhat ar13 loan periods? l ~ .Amortization Plan Monthly -------Quarterly ________ Semi-annual ___ y~-~m~~,,__.Annual _____ _

% 6. Rate (or rates) of interest charged: -------7. Are FHA loans being.made?-----Title I: $ ________ TitleII: $_..,.,_,.,,__ __ _

8. Will the institution lend the maximum 80% of appraised value? --------Yvil~ loans be made for the maximum loan period of 20 years? ________ _

9. Is a commission oharged? If so, who pays it? Give amount of commission and other loan costs to ~orrm_l\Te~--

10. Residential l_eanz made in 1934: No., ·~ 1935: No.-.. -----

1936: No. ---------Other mortgage loa..~s made in 1934~ No~

19-35: .No.---

1936: No,, ------11, Total residential mortgages he'.Ld by institution: .-lfo~_~..rn.ount $ ~~flt'l)

Total other real estate mortgages held by institution: No.~ .An10unt. $~Qt'¾)

12.- 1'.Jhat a:mcount of the total residential loans made in 1935 represented r·efinancing of' mortgages formerly held by this tnsti:j:;ution? $ ---------

BEliL ESTATE OWNED.

13. 11:mount of residential real estate ovmed: P2.rcels __ -~iiEp---.,.. __ Book Value t~ 0 ~

Amount ot other real estate ovmed: .Parcels - @ '1 Book Value 'il'.16,,..t't,OO

1.4..... Pote:nti.al re.sidential real estate owned during next year: ~~--""S'-"~"'.$-i;;OO«;,;;.· _____ ___

Other potential real estate owned during next year: JI w ___ O--__,_.....,.---

15. R~s:i,dentil;).l real estate sold during 1935: Parrels Vslue ~ _ . 1936: <P8.r•:;els _____ _:Je.lue $~

Other real :estate sold during

16~ · Terms-~of' sale· inoludin§ .. down pa;yment-.requ:irecl: a:·,or-Li:z.:d:,icYJ ,,i' ::ia1,,:n~0r interest rate and i:f amortization includes o.llovrir:c-c Li:- -'.·e.xc:,s u.r.-cl in.surn.nco:

(over)

22 -· 1~


Reproduced from the Unclassified/ Dec1assmea HOIOlngs onne l~al10I li:!1 f\l vUI_VC~

FEDERAL.AFFILIATIONS


a. Federal. Reserve System membership? b. Federal Home Loan Bank membership? c. Deposit Insurance by FDIC? ----.-Ytii ___ -

lS. 1s -the :,institution making usei of credit facilities avai_lable through Federal affiliations?

19. 'Extsnt of bdirrowirigs or 'advances:

GENER!-tL OPERATIONS

wt-_ -

2le _ Discuss collection methods including percentage of loa~s delinquent and deftne -sucli>delinque:ncy: · e~~ ~~~~ct. ~th ~~;,;,- w d:~it!J,ttim:t in _yap-~i;..

, . ~. , r

22. -Growth in deposits during the last 12 months:

-}innual_-interest rate paid--on savings and time- depol?1. ts.:

23. General hh,tory pf operations since 1929: ~t~~~ •k~ l!i't :fe.li'i ~~ ~tll 193L.~e ~ :at,~~ .. ,_ •~ iiit ~~~~--~ ~$ilti;= s-d ~~e;: ~~ ~S\aed ~ -a el.® Y.4 ~ ~$$:\$ ,.i«h ~eer~~ ~~~ ~ l9'l~ · ·

.,, :·. ' ' , ' · .. ,;_:, ' . . '

24. Summarize interview with of:ficer ·contacted: {Seo separate instructions) ., r . , , : ,. ·--~ . ·- ., _ _..c .

,.

~. Rall ~;;~ th~-t .F;.. L'~ x~ -~ •,$ ~i<~~~ ,fil1~ ~nf!d~~,t¼, wbi~il la being, l"'l~C:-!l i~ i~•u- ~~~ijr:t,,. ~~ t~ i* 'he~ tut~~~~ g~- m ~~g ~ ~lt't~t1i/wtjl' ,..,;;,.· ·""""-.;;,i..,,.,,:.,;,,t;~~~e.-·-.- ,.r""""'""""'J· ~~ i, . .l.-1'.. . ~- - ..,,,. ~--<i,.,;;i; - ,.-.f.c ,,.._,,,-, ,...1/~'"'~~ -~~.,,; -~~ ·~e, Ji.~ -w~,u,.,; •~ ~'Iii<~

(If there is not sufficient space on this form to ~dequatcly 6-over ~ny particular point, continue your remarks on an additfo:Ral page, immo-diatoly fol1ovrl::ng and ,key the same to this fo--~ .. } ,,

Reprodu~ed from the Unclassified/ Declassified Holdings of the National Archives· ReprOd.uce<l ~~o~n me u:ncrassmea. J ut1...,1~~111~0. r.i~:.1-1u1rrH::> vi a 1,:;: 1"'0.~1u.1,11;;~·· .,_,.,_,.,, ... ~ __

_ _lorm No~~ b _/-~..::-:- ··Rev,. 3- 2- 36

~°"--e>~-

. •.

~~ ~~ &, ~-~~ ~ · (1fame · of: · Ins ti t~~ion) .· ·

(Officer Inteni.ewe-d)

MORTGAGE ACTIVITY

. . $"il':!f~,i, pgi;fflN-J;l'.(j

· (Address)

(Title)

1, Is the institution lending on residential real estate?

2 • .Amount available for such loans:

3. 11a:ximum percentage of appraisal loaned: % --,--•-------4. Is the appraisal cash market or liberal?

5 ~ What are loan periods? 1 ~ .Amortization Plan Monthly --------Quarterly Semi-annual ~ .Annual -------- ------- ------

6~ Rate (or ra\es) of interest charged: % -------' 7 ~ Are FRA loans being made? ~ Title I: $ ".;lit~ Ti tleII: $ ~

8. Y\fill the institution lend the maximum 80% of appraised value? ~-

Will loans be made for the maximum loan period of 20 years? ---------9. Is a commission charged? - If so, who pays it?

Give amount o:f con;rrnission and other loan costs to ~orrowe~--

10. Residen,,tial loans made in 1934: No .. 1935: Noo ___ ;t=:--1936: Noe -~

Other'm.ortgage loans made in 1934: No. ---1935: No~ 193B: No& _____ _

.A.mo-:J 'l t

.Arl.ou:,t

.fuii:c,mi:;

11 9 Total residential mo_ rtgages held by institution: .-lfou ~ .f\.JD.QlJ_rit $ -,----- . ...___

' . . ' . . .. •. ' . . ' . -~ . . .,,._ ;,,.l,:.~~ Total other_':r:.e:al ·es.tate mq~-t'gages _held by· institution:• No, •. i ·1;: AlrrottE.v:~p ·· ••~ · ·

.. ~· ·~ ... -.--12,; li'Uhat amount of the total residential loans made in 1935 represented

refinancing of mortgages fonnerly held by this institution? $. ~ ~-~~----REAL ESTATE 0\!'.171BD

13~ Am.aunt of residential real estate owned.: Parcels Book Value $ ~tw:)

"l< <!, 2'.l{>~ .Amount of other real estate 011med: Parcels • Book Value 'ii'

14,:. Potential residential real es·tate ovmed q.uring next yf3ar: $ --~ - ' ··- ~.·'

Other pot.ential real estate 01/\'1'.led during next year:

• ' • • . . - il "ii.&_.' .l'l_i"(\1-~ · 1-5.. Resfdent:t'af ~a:r'~state soTd during 1935: Parre1s ii, Vs.lue ~ -~"'~'(i;

Other real estate sold during

1936: :i:J2.r•sels,---·-,v2.lue $

(Over)

2.3 - A

~-----

I

Reproduced from the Unclassified/ Declassified Holdings of the National Archives· R~produced: rrqm IDE\ lJ□ Cli:.J.SSITl.80,,J Uei..;tcts;:,nft:m: r:1u10n.1y~ UL U 1e l\fcHfUJ IOI r.\.l.VI n,v.:..,..,,

FEDEB.ll.L AFFILIATIONS , .. ,..:;.,. '"·,. .. ·-· ·-


a.,,, b.

Federal Reserve Syatem membership? Federal Rome Loan Bank membership? Deposit Insurance by ¥DIG?

18 •. -Is·t-he..,institult:i::!=m making:use,of c:r;edit faci1it:ies -a~ilabl_e . .,. · through Feq.:erD:'l• ·aff:i,liations?

19. Extent of borrowings or advances:

20. Attitude toward F~deral program:

• ~~ j~~'

GENERAJ,i<::{J.PE R&TI Q:lif S

~

~~---:.--=-o~ •· ~ -

.. · 21. Discuss ce-llec'tiGcJl'·rp:etho<ls i:o,cluding.-P,e:q!')'?J:1:be.;g_e: .. ,o:f ioa:QA de}\nquenTand"- -~ -.... - ' ......

define such.delinquency:

22. 12 months:

lmnual interest rate paid on savings and time depo~its: »~·:.)_.~} .i.:F.ff __ :";:.;.::: .. ,: ~ ~ .'s ::i. .~i.:~.-·;__ ':""'_,,.;,:': ~~',(, ;~ ~-{-~ :..- ,_·· •. i,.

23. : Ge:iaeral,shistory: of ope'fatiol'ls since 18~l:l!· '.'. __

n· <,i>

-~"""~;l!,,($Jll--,,,.·a""'~"""' ..-, ----

-~--~ •. --,-· -... ~-.:,--_.,........,.-. ~%

240 Sumnw.rize interview with office~,contatceff: (Sec separate inst!'UctionsJ~~-~'

,.,:•·:·...,·:· .• ~· ·..:•!:: .... ~

~·,. . .. _-:;.~ ·"'

;

,~ .. ~~ -- •,•-t<~•,Y,,~-·~-

(If yhere is_ n.ot sufficient space on this form to adequately ex>ver any particular poiiit, continue your remarks on an additional page, immediately ·£'ollo-wing; and

-key the s.am.e to this f'o:rm..). . , .. --~ •-r·

···----~ ... , ,_ - ... .! --•.•


Reproduced from'lhe Unclassi/led-f uecias_smea MOIOl8QS an□e Nau011a,AtLsn1<c.:v.

_form ll!Q~ b ~•--'-=- - Rev. 3-2-36

--Z:~ BANKS"' -~~ COMPA1ITBS And MORTGAGE COM?l'i1ftZS.

(Name of Institution)

(0:fTfoer Interviewed)

MORTGAGE ACTIVITY

- (Title)

lo Is the institution lending on residential real estate?

2. .Amount available for puch loans:

3.. Maximum percentage of appraisal loaned;


a, % -------,---

5. -\lVhat are loan periods? ►1 Y.~ Amortization Plan Monthly _______ _

Quarterly Yes Semi-annual Annual ---""-""----- ------ ~---~-rr1 6. Rate ( or rates) of interest charged: ~ ______ 10

_ 7. Are FHA loans being made? 'I$& Title I: $ 22.~

8. Will the institution lend the maximum 80% of appraised value? __ v ___ a~s: _____ _

Will loans be made for the maximum loan period of 20 years? Yes ---..-------9. Is a commission charged? I@, If so, who pays it?

Give amount o,f c-o:romission and other loan costs to ~orrowerY ----· -

10. Residert.tial loa."ls made in _ 1934: No,. -• :t 1935; No.-~:l=.--

Amount$~ Amount $ ·,~;,op ___ _

1936: No. 6

Other :mortgage loans made in 1934: No.,, ___ o-·,_: _

1935; No. O 1936: No.-~1,=1_--

Amount $ ?5:,5'2~:

Amount $ t) Amount $ t, Am.aunt $_, l.*#-000:=· '=:'._' ___ _

llv Total residential mortgages held by institution:---No-. '89' Amount $l;c:J4.$~2j

Total other ·real cesi3ate ':rr\:ortgages held by 'insti tutiori~ -No~~ Amount $62'2,5$S' •.

12. l}fuat- amount of the tota;J. reside;rrt:i,al loans made in 1935 represented refinancin:g: q.f mortgages formerly held by this ins,titut.ion't' ·. ~ ;J:WllE!>

RE.AL ESTATE OYTNE:P

13? · Amount· of resident;Lal r~al. estate ovmed:. Paro-els _ _...Q:..,·,.,-... , ____ Book Value $~

Amount of otheT rea:l e,state owned:

llf,. Potential residential real estate ow.ned during next year: ~- •·•~~

15,.

16.

0th.er potential real estata. owned during next year:

Residential -real estate sold during 1935: Parcels.-:--·-=,.,.,· ___,,,Value $ µ~. 1936 ~ Parcels,' .l 'Value $ ~:,~

Other re.al ~s:tate sold -during

Terms-:of: ~al:e includin~ ,do-w:n paymen4 r:equ~r~c(, a,Jllorti2;atjon o-f balance, interes{;: rate and if amortiz;ation includeo allowance for taxys-and insurance:

(Over)

24- A


Repi:oducedfrom:the Unclassified/Deq1assIT1!:iO HOl□ings OT me l~allQI ICll.r,(1\,,.,,,.c,~_


17 ... Does the institution ha-ve:

~. Ped-eral Reserve System.membership? b-. -Federal Rome Lo,un Bank membership? c.. Deposit Insurance by FD1G?

20~ Attitude toward Federal program: ,. •. 1"". ~ .. "- ·_:

~ .. ~~ -· -·--- . . ,._ ~--~,_: " .. :/1:f:i'_~~Uve

GElIBRA:L "'OPE"Rlt"T10NS

....:......:Nie----' ---< ~•----

Yes,e--· ---

--~-'::"': ::·, .•.~. ~~";"

-•-· ------·-,,,, ...... " v,. ---~~ ..... --:· .::_.~ ....

'-t,,'-- :: ~;

.•-e_,.,_ ",.,,.,_ ~ --,.. .... :·-~· - _::.~_, . .,__:s, , ••. --~-..:~.~ ... ., .. ,..

••.: ,;• - - ~•• ... -.1•.~~~-•••/ (:~~- :,;~•.' "'-••,, • '•>• - 0 •• •:••::•,•: - -"<•:1•.;;,L• .. ~ •,,••••• -•• •••• "..,.,,_::::_--::_~>~C"_,;.~~;:••;~•;t~:<'.~-i ;zl .. ,·-n±scuiii co'J.lee-tion ·mothods inclu-d.ing .. :pe'rd-ontag;-e· of -16'ct:ns:'uelinquent and

.-

-~~_,;;.t:z..~~ ow ~p~~,i;; '~~ ·.-:-:\/.--·~':··· ;·~;~•-.·T· -~:~;--; .-·::.--....... ~-.. • -·-.•

aave ~y ~~ed the~ :i:no-~age aetJt¥l.ty ~ ~ts ~~ --~~~ a1:t F,,, ~- ~• -~ ~:i~ ~i~ ~111' :I~ t,.,. C-.. hat!i# b~ ~e$'00c~i~le:

rJF ~!!lf:~~t~~;.~" -- -·o •• .. -s;· -~--, ·_::2,~,:~,. ;,. __ "' - . '··•" ·---- __ ,,... .~ . )- '''""':"""'•> ... _ - .. ·•-.- ,,,.._.., ___ . ...,.__..,

o d -· ,. ;.~:.. •-: ~-- .· ·.) .. - : :r .. -~~;:•; ~ .; ..... ·.

,- ... , .. --- ~- ~0½:.:_-~•""--_-:, .;<~-t-::.;

.. ," ...... -, ..,_ .... .- ,,·•·--~.,.' ........ - ·_ .. :~ ~ ,.._ ... ___ ~ ~ --~ :~0~~-

. _.,, ~

. '-~. __ ... ,_.,,._,.._ -. . :--;-_f;:- "'..-.f;; ' .................... ........,,. ..... ,,,. .. -.,,,-~ .. ~- ......... ......,,,...,..,.,.... ___ .

,, . .,_, ., -------'--~-l<....;..:~ ---=•••T-._

;...-:..

: .,._

~;:.j~_;:._~_~:~~:~:-~~-~_."". - ... -.:..

:-.~• .. -~- { .-. __ ·: . .,. - '.;." T _.;;: :.:~· t ,.::, ;,,_..;l:.--"" -... -- __ .,- - ""':" . -- .,. ...

· .. ;. -,-.-~.,.. _- .... -. __ ;·

(Ii'/there is n.ot su££icient spsco on· this _form. to adequo.t-oly oo-ver any particular p~·-:Git"" continue your remarks on an additional :gage, im.modiately follmNing und ko.y the srun.e to thiEI-' ,f'ol'P,1-~-) .-

- ·.:~,~·~"~ -~··:-.,...,.~.-- ... -~

Reproduced from the Unclassified/ Declassified Holdings of the National ArchivesReprciduced from the .Unc:lassme□•l uec,assmea i'ICJ10tngs. u, ,ue, ,:-,cruu, '"' ,vv, ",,, __

_ _ __ form bg_. ti

d<""" Rev• 3- 2- 36 -:.J§.~

BAllfKS~_ ~US.le, COMPAl\lIES ,And MORTGAGE COM?f,JJI:;:,;s.

(1::rame of Ins ti tut ion) ~~G,1 P'ffilSlL'f'BIA

- · '(Address)

(Officer Intemewet;!_)

MORTGAGE ACTIVITY

(Title)

1 11 Is the insti tutio:n lending on residential real estate?

2. .Amount available for such loans:

3. lfaximum percentage of appraisal loaned;


5. V{ha.t are loan periods? 1 - j ~ Am<Yrtization Plan Monthly ~~,$ -------------'--Quarterly Semi-annual Yes, P...nnual ----'---,,--~- ------- ----,----


7. Are FHA loans being made? Yes Title I: $5$916

8. Will the institution lend the maximum 80% of appraised valu.e? -~ .,,----""----Will loans be made- for the maximum loan period of 20 ·years? _:I~~ ---------

9. Is a oommiss.ion charged? ~- If so, who pa:y-s it? Give liinptt:r:Lt of- conµni's-s·ion -and other loan costs to ~orrower:. ~~

10. Resid~:nti.a-1 leans made in 1934: Ncr. · .15 . ~6"ttnt{''$-~~""'J_·•·~•__;__,,---__ _ 1935: No.---,il;,...-lj:;...<':-,• .. -, .. - -_lhn.ount $, 21,~:: ··

193ti: Na. l! Amount !,,,..,_;,...;;~=''=•-~2,=:{1=•:41""'\,..._.._ __ _ ,t•• . .....

01:;her mortgage ,loans ma:d-e in 1934: -.No,. \\!";- 1 . 1935: No. 1 1936 ! No .. -,---0=·, --

· Amount:: $ / .- , , · .Amount $ : Amoi:;:1'.l.+;$-"_, ~~~~-,;:...:.--

11, Total residential mortgages held by institution:- -}fo-•.. 5a_, Amount, ,$24~9:iG..

Tot$.:l. other 'rea:J: estate mortgages held by ins.ti tution: -No;.~~•,;~::--1\iif~ufnt ~,2S~~50 .:: .. , : :· .. "'" .... ~.,_:.. ...• -·.--·__ ... ··~-·-• _:_:·i.:~'.'""':r·:. __ :··_,.. ,.·~:-_ .. :~i·"····· · .

12. 1,~a:t a:m;un~ of the total· reiidenttal loan~ made in 19~5 :te'.'pres~hted ref'in.ar;tcing of mortgages for_µierly held by this in_stitutiop-7 ·t /:~·\~-.

REAL ESTATE 0Yv1IBD

13~ llmount of :r:esidential :r:eal estate ovmed: P~rcels_-=/J._,~.,_./ __ BdOk Valua $,2~

--~i -.. -:· ·-

<.it~e-r 'poten-t:L"al real e_state owned during next year: . •·,.. --(\>.

w-~--'-'n='·-·-·~ ........ --15.. Resid~r:r:tial -ree.1 estate sold during; 1935: Parcels ___ __,-Value $_-__,,t:.,.• ... '., ___ _

• 1936: Parcel's Value$ 9, ..

16. Terms df ·sale. i~clud:i.ng: down payment re-quired, , amorhi zatj:on of' balaneE;.,i!).terest 'rate' and: if ~ortizat:i.on includes allowance :f'o:r tiures a:nd insurance:

T;q' w -~ -=~~l~ ~-"O~~t, ~b. re~ar ua~_larga en~ tt) tat~ e~ :(t.f ,'¼xee~· ~I"~~~ :1~.~a~i;_mE1& ~T:t~~~pa:t ~~~

_,·


Reprcicfuced from the LJnQlassif1ed f Uc,c,as:;rnea no,amgs Ol u,e.1.,allUI fO.lcC'., v,_ .. ,w,



a. Federal :Reserve System. membership? h. Fe.deral .Home, Loan Bank :p:i.embe.rship? ,c •.. ·'15,~posit' I;1su~a:O:~~ · ,by ib:IC?

~ -~

18. Is· the>i:i.istitu:t:fon makirtg use of cre:di t f'acilft±e·s available:·· tlir~~gii··Ftderdi ·arr±liations? ···

19. Ex.tent of 1?.orrowings or advances: ' ~·:; ::".:- ~~- . ,.. . . '

··s -~ •• \~-.. -. -.- ._...;;......:c....c____.'--_

20 ...

21,, - ~-· .- ·. ' ·, - . .• ' _.. ' ·' ... ·-·_· .. · .. ~,;;;\,"·~~~<;.,~:!·~'-~--"·~-'.

Disciss collection. methods· in~iualiig '.percentage of loar:ts-del-rhqtt-(3nt -and

~~$),~~g~~tc--~·~r ~~,,,M~~wy~~t/~~-.\ 2 · ~1;;:..,:: .• ,.:..:.· >

.c'mn1;1;~-\j:g:ti,rrest _rat~"'~~~ on saving,~ and t:1m,o dcposi ts: .~,-- ,, ___ .... % , ' . ·· .. :· """ ... . ' ,_ ---•, ,· .•. , .... , · ... ;,,_,... ·_;:-~:-' ...

. -Geri:~ta1 -b.fstorf··.;fli' orie;atisms'.·since 1929-'f ~11!'.e> ~d'ecil~:5,,-,.f:~-;,~t: ~ ~m11ld,r• lfu.,; h3tse not: Jr~ a Vff!!Y eet::i.:we m~~t ,ad ~~ ~tie-~ ~~ 1.'tla~:~ ~ ·c':-· · .. -:-.·;c;i;;fc:c., :· . · .. •. · : .· - · ·· · ','"7::""'".c 7, 'K,... · .,,;,·~:; ..

24. Summarize 'interview with o:r:ri·es~ _co;1:t8c-e:t~l; .... (S£_0 s_epara:t6Cin~~~iic:tig~;). __ _

~:~~~~'·fG·:·~~~~n~~~~?"~d:~ ·11~.at:~~-·-~~-' the.:t-e is: · a ~~tags tJJ£ 1 and· 2 !"~ily· ~J4fmr,ji;. · . "''·., -.. , ,, ,· --~~~,;,. -~~- , .... ,.,,-c,.,;,t-·'•

~~otl~~-~=~e:;~1~~~~:~:~;~-:~: ----:~:µ~~r

' ' ,..,..,.._:_ ..

{'1;f,,:'there is not sufficient spaco on this f'orm to ti.d0quatoly .cover any particular point,. continue your remarks on an additional page, immediately following and key the same to :t~~s }'o:rni •. \


Reproduced· fr0mthe Un.ct9ss1f1ea I uec1assmea tt01□ 1ngs-01 me 1~at1ona1.KrG111v.c~ ___ form .i:Iq,, iD

Rev• 3 ... 2.:.. 56 BANKS,.. J'E.U~X, COMPANIES And MORTGAGE CO:MPA.rfi:SS ~

- , . '•-<::':,'· -'I

MORTGAGE ACTIVI'.rY

1. Is the institution leriding on residential real estate?

2. .Amount available for such loans:

3. 1faximUlll percentage oi' appraisal loaned:

4. Is the -appraisal cash market or liberal?

5. ·what are loan periods? 3 jl'~ Amortization Plan Monthly_~------

Quarterly Semi-annual Yes Annual ------~- ----""---- --------6.. Rate ( or rates) of interest charged:

1. Are FHA loans being made? Yes Title I· $ 30,.QOQ TitleII: $ -------8. Will the institution lend the maximum 80% of appraised value? ,,.,.__._........,__..i.:.._

Will loans oe made for the maximum lo~ period of 20 years? -----------9. ls a c6mmiss.tcfn/~ha.:r:fe:d?. . If so, who pays i.t?

Give am.~-1/·'.6£:, co:nµnis.si~fr aild ·o-ther loan ctTS•t:s to •~ocr,,-'f'ovre:::'i.:, --

10.

. .

Amount $ ,~, -dtrno~{k·t

kount $>

·_To-ta"1:>ithe,r real estate Ili.drt•g~ges held by institution: No., lOO Amount $~1000 _.,. - . . . . . . .. ~ . . . :·-·- .·:·.;- ·: -- - ,. ' . .... -- . .... . - ' .. ,, ..

12~ vTh~t\3,;ount o±" the" t~'t~I ;~~ident:t~l 1oans 0·rn'.t¾de-,·irr lSJ'35~·rE>pr9senie'tt -· ref:inanoi_ng_12.f mori:;ga;~. :formerly held by tJ:ii s ins ti tution'L,-~~;~

~ . ·"";.-,· ', "', .. . .. , __ . '

P.EAL ESTATE.);>lJThTED. •·· a~ :i'.'1l"ils:tee.

.Amount of: residential real e.s.tat@ ovmed/ Parceis __ .'2.·_, __ Book value $311'~

· .Aiaq#t' of:·~•itte;r feir,:,l:,~~te·" o~e:a:f~ · ~a;;::ae:1cs · ' ~-- -,~ .. ·- ,__.,.

~- .--· Q:the.r,.-.pcrte.irt.i'al real estate owned during next year:

19;55.,; Parcels Value $ _ __,_,.........,...._ ...... __ ... 1936: Par~els ____ Value $ -------

16.. Term~ ·,of ::sal~:':i.npludihg do~ pa~;:nt r;q{;;ired1 runortization of: balance,. iirterEi'st ·rat·e and if' am:ortization 'includes allowance .for taxes and insurance:

5 ~ .. ~a.k~ l./3 ·.~ t:!;• 'le~. Bal~e ~ertdmitd a~ ... ~~'1 a~ 6$1>, ,t~\'.o/$ ~de ~ra:aee ;r.,aid b;w b~r@~W~r~, · - ., - ··· ·:. . ..,

(Over)

.2 -6 A

Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproducedtromme uncIassmea.1 ueqass1ne-□ noremgs,oT me.1~aurn,1a1.Pd,vu1.v=



a .... Fede·ral "b. Federal

Df.,posi<t

Reserve System membership't Home Loan Bank :membewshipt Irisu.rance by FDIC?.

lie

Is the· institution making use of credit facilities availaole through Federal affiliations?

19·. Extent o.f bo,rrowing.s or advances:

20. Attitude: toward Federal program!

GENERAL . OPERATIONS

21. .. :Discriss 'c~llection methods including percentage of loans d,{lJ .. ii~~ent 114,d define such d~linquencyt ~es-~es ·~'?d p~~ rot1~:t-;;; ~- d'li~1it~ll~ ·

22_, . Grcrwth in deposits during the last 12 months:

.Annual intEirest rate paid on savings and timG doposi ts~

23. Generai history of operations sinco 1929:

24. Summarize interview with officer contact;d.: \Seo sepIT:trrte .. i:q;~,¾~~ctions}

thl$._-~••·•~s- ft:)ffled m.t:ti th$ t.~~bla· se~-~~'too,"~ae~ ~toli ~'t · Co~~ c.i'· ?eim~ylvmrta,,. an,d ttla .. ~~Il~A~. ,.._ · ~ :ptild at>~ ~b d±v.'.bted ~d ga'ife, a'Ji~:,-i~~k. din . . _. ·. . tox,ac Qf

~~=;~~=~~~~=s~t~ o~~;Jt~ w~ ei~~-~~~~t~Jiow.

tif,,there is not sufficien-6 spa.co on this form to adequately cover any particular ]?~int, continue your remarks· on an addi tionB..l page, i.m.mcdiate.ly following and -key the som.e to this form.9)

~ ..


Reproduced frbmthe Un~lassified/ Decrassmea HOI\JJngS oune N3ltUIJi:ll Kl):,1 u,cv.

f~~:tfil J.¼l.J. h ~"-'~ Rev.. 3--2-- 36

-4:- B~KS~ ;J~•l".f.S.t COMPANIES And MORTGAGE COf,i?A~f-3S.

(Name of fnstitution)

~~a.. ~B

-~~~ ~~ 1

(Address)

(Officer Internewed)

MORTGAGE ACTIVITY

lo Is the institution lending on residential real estate?

2 • .Amount available for $uch loans:

3. Maximum percentage of appraisal loaned:


(Title)

1a ---------'

5. lJ'fuat are loan periods? .Amortization Plan lvlonthly ------- ______ ..,...... __ Quarterly Y• Semi-annual Annual -..-------- ------- -----~


Are FFiA loans being made? ~ Title I: $$!Ii~ ---- Ti tleII: $ a.,:,» -------8. Will the institution lend the maximum 80% of appraised value? --------

.~

Will loans be made for the maximum loan period of 20 years? ---------9 .. • Is a co:mrr1ission charged? ____ ..,,..._I:f so~ yvho pays it? ----~------

Give amount of coIQIDission and other loan costs to ~orrower:

10. Residential loans made in ,-:,

.. 1•936::r No,~ ____ _

Othe.r mo+tgage loans mad~ in 1934: No. 1

11, Total residential mortgages held by institution: -No"- ·'20 .Am.01;.nt $ 3.t~PJe

Total other real e~:b,a.t..~ n1.ori;_g0~es held by institution: :No,. •· .Amount $ ~.~

12. 1'\/hat amount of the total residential loans made in 1935 re,presented refinancing of mortgages :formerly held by t.his institut:fcm? $_,_._~~·-· _·_. ___ _

P.EAL ESTATE GVvNED

13~ · Amount 0f residential real estate owned: Parcels 5 : Book V9.lue $ :,SQ~ -----Parcels · U Book Value $200ilim -----

14,. Potential ~eside~tial re~l estate owned during next year: $~~

15,.

·. ·-· ,. .. '

0th.er potential real estate owned during next year:

Residential real estate sold during 1935: 1938:

- _,-,,

(over)

. 27- A

~-.~

1

-t"

f' ,


. Reproduced from the Unclassified_f-Dectassme□ HOl□!RgS □T me l~at1orrcu1'\11C1•"-~""-

-~..:.·~

~---~ FEDERAL AFFILIATIONS


a. t'ederal Reserve System membership? b. Fed.eral Home Loan Bank !!Lembership?.

· .c. De-posit Insurance by FDIC?

18. 1i the.'iis£.f'tu. tiori mald.ng 1~se of ere di t. i'acili ties available through F~derii ~ffilin.tions?

19. -Ext~nt. ,e>:£ '.\i9;:rrowing.s or. advances: '; . ' .. , · .... ,.

20.. Atti tu:de- towa-rd Federal pro,gram:

~- F~··1_:· -~--~"" m..~• ~4 114-~~~ft~

GENERAt OPERATIONS

21:- Discuss ·collection methods including percentage of' loans de:1inquent iind def'.j,:ne su~-._delinquency: ---~~-

22~ ·· ·Growth-···fn:····cl,E3,'POSi ts during the last 12 months. ~----=----.P,__nnual interE>st rate. paid ori savings aµ.d time deposits: : ~i .· ,· . :. -- ,,; . % ,.,

23.. Gene;al history ~f operations since 1929:

=~~i:::;=:: ~-~ b~~~ii~-- ~,-

\ l

24. Summarize interview with officer contac-ted:: (See separato il;l;.s:tructions)

,.·

(-:ff_,-'f;here is not sufficient opacc on· this form to adequat.oly n-over any particular poin.t,. continue your rcm.arko on. an additional :eage, immediately f'ollovd.ng; and koy the same to this, f~F¥;:-~} ,._{i

rg-195 home loan bank board harrisburg report box 32 appendix

Documents