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fore, shown to be $20,440,526.73 and resources $519,237,260.32. summary of the report of condition of the banks other than national is submitted herewith.

Summary of reports of condition of 19,457 reporting banks, other than national (State, savings, private banks, and loan and trust companies), in the United States at the close of business on June 23, 1915.

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The following table shows the principal items of resources and liabilities for each class of banks, other than national, reporting as of June 23, 1915:

Resources and liabilities of 19,457 reporting State, savings, private banks, and loan and trust companies, June 23, 1915.

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For the purpose of comparison, a statement giving the principal items of resources and liabilities for banks other than national, from 1911 to 1915, inclusive, is submitted herewith:

Consolidated returns from State, savings, private banks, and loan and trust companies.

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Reports from State banks (commercial banks) to the number of 14,598 have been received, showing capital of $503,985,319.31 and aggregate resources of $4,399,602,308.91. In 1914 reports were received from 14,512 State banks with capital of $501,154,866.23 and aggregate resources of $4,353,663,536.98. The summary of reports includes 86 banks more than reported last year, with an increase in capital of $2,830,453.08 and in resources of $45,938,771.93.

The summary of the reports submitted by State banks shows loans exclusive of overdrafts, classified as follows:

Secured by farm lands....

Secured by other real estate, including mortgages owned.
Secured by collateral other than real estate....
Unclassified loans...

Total.

$281, 583, 170. 08 301, 177, 259. 49 699, 842, 079.99

1, 600, 495, 861.39

2, 883, 098, 370.95

In addition to the loans, overdrafts amounting to $24,926,294.51 were reported as against $27,737,345.21 reported for 1914.

The investments in bonds, securities, etc., are classified as follows:

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Individual deposits are classified as follows:

Subject to check without notice................

Savings deposits, or deposits in interest or savings department..

Demand certificates of deposit.

Time certificates of deposit...

Certified checks....

Cashier's checks outstanding.

Total.....

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The surplus of State banks aggregated $221,081,282.78 and undivided profits $97,220,034.27.

ALL SAVINGS BANKS.

Reports have been received and tabulated from 630 mutual savings banks and 1,529 stock savings banks, the combined resources of these two classes of banks being $5,558,056,308.58.

Deposits in these banks aggregated $4,997,706,013.01 and the depositors numbered 11,285,755, the average deposit account being $442.83. The 2,100 savings banks reporting in June, 1914, had deposits aggregating $4,936,591,849.03 to the credit of 11,109,499 depositors, the average deposit account being $444.36. The statistics, therefore, show an increase during the year of $61,114,163.98 in deposits and 176,256 in the number of depositors, while the average deposit account has decreased by $1.53.

The following table shows the number of savings depositors, aggregate savings deposits, and aggregate amount due depositors in savings banks in the States indicated, on June 30, 1914, and June 23, 1915. These figures do not include the amount of savings deposits in savings departments of the State banks, private banks, and loan and trust companies.

Number of reporting savings banks (mutual and stock savings), number of depositors, aggregate deposits, and average deposit account, by States, June 30, 1914, and June 23,

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2 Savings deposits in savings departments of Illinois State banks and trust companies on June 23, 1915,

aggregated $294, 534, 096. 83.

Number of reporting savings banks (mutual and stock savings), number of depositors, aggregate deposits, and average deposit account, by States, June 30, 1914, and June 23,

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United States......

173 1, 120, 999

509, 432, 979.31 454. 44

179 1,012, 652 500, 507, 745.03 494.26

2,100 11, 109, 499 4,936,591,849.03 444.36 2,159 11,285,755 4,997,706, 013. 01 442.83

1 Included with statistics for commercial banks.

2 Savings deposits in savings departments of Illinois State banks and trust companies on June 23, 1915, aggregated $294,534,096.83.

NOTE 1.-The compilation for 1914 includes 634 mutual savings banks and 1,466 stock savings banks. Included with the figures for 1914 are $157,172,071.19 reported as subject to check without notice; $24,461,209.50 demand certificates of deposit and $4,366,000.29 certified checks and cashiers' checks outstanding. Statistics for California include figures for savings departments of commercial banks, but not the number of such departmental banks. Depositors for the following number of banks for States named have been estimated: 1 each in New Hampshire, New York, New Jersey, Virginia, Minnesota, Kansas, Wyoming, Colorado, Utah, and Arizona; 2 in Minnesota; 3 in Connecticut and Kentucky; 4 in Maine, West Vir ginia, and Wisconsin: 5 in Massachusetts; 6 in South Carolina; 7 in Georgia; 8 in Maryland and North Carolina; 12 in Michigan; 198 in Iowa; 2 in Louisiana. Depositors in California savings banks estimated. So-called stock savings banks of Ohio are included with commercial banks. Michigan "commercial and savings" banks are included in this table.

NOTE 2.-Included with the figures for 1915 are $174,600,481.43 reported as subject to check without notice, $17,894,933.34 demand certificates of deposit, and $2,595,550.05 certified checks and cashiers' checks outstanding.

Depositors for the following number of banks for States named have been estimated: 1 each in Maine, Mississippi, Kentucky, Kansas, Wyoming, Oregon, and Arizona; 2 each in Massachusetts and Louisiana; 3 each in New Hampshire, Maryland, South Carolina, and Washington; 4 each in Virginia and Wisconsin; 6 each in Connecticut and North Carolina; 10 in Tennessee; 50 in Michigan; 160 in Iowa.

In addition to deposits in stock savings and mutual savings banks indicated in the foregoing table, State banks, private banks, and loan and trust companies report as of June 23, 1915, an aggregate of $1,671,527,040 classified as savings deposits.

The growth of savings banks in the United States from 1820 to 1915, as evidenced by the amount of deposits, number of depositors, average deposit account, and the average per capita in census years from 1820 to 1915 and annually thereafter is shown in the following table:

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