UNITED STATES OF AMERICA. (N.;w Y 



UK.; 



737 



franchises exist, upon such proofs and informa- 

 tion as the board can obtain; third, that certiorari 

 proceedings be taken directly to the appellate divi- 

 sion on appeal. In the enforcement of the new 

 tax laws enacted last year, there has been no 

 difficulty, excepting in the case of savings- banks. 

 These institutions have taken the ground that in- 

 terest accrued, but not yet due, does not consti- 

 tute undivided earnings, and is therefore not the 

 subject of taxation. 



Banks. The superintendent's report for the 

 year ending Sept. 30, 1901, shows that the total 

 resources of the institutions, as given by their 

 reports, are as follow: Banks of deposit and dis- 

 count, Sept. 12, 1901, $403,477,311; savings-banks, 

 July 1, 1901, $1,105,076,764; trust companies, July 

 1, 1901, $966,528,398; safe-deposit companies, 

 July 1, 1901, $5,475,091; foreign-mortgage com- 

 panies, Jan. 1, 1901, $5,690,620; building-and-loan 

 associations, Jan. 1, 1901, $59,653,737; total, $2,- 

 545,901,921. This is an increase of $283,899,506 

 over last year. The number of savings-banks is 

 128, the same as last year. In his report he con- 

 demns the so-called, " national " associations, and 

 asks that the banking laws be amended so as to 

 place them under the supervision of his depart- 

 ment and prohibit speculative investments and 

 impairment of capital through the payment of 

 large salaries. The words " national " and 

 " local/' he says, are not clearly defined by the 

 statutes, and while they convey a comparatively 

 clear idea to those conversant with their opera- 

 tions, their significance varies more or less from 

 year to year, according to the changing methods 

 of the corporations themselves. 



Census. The population of the State, as given 

 by the census of 1900, is 7,268,012, compared with 

 a population in 1890 of 5,997,853, which shows an 

 increase during the decade of 1,270,159, or 21.2 per 

 cent. The numerical increase in the population of 

 New York was greater during the last decade 

 than during any other ten-year period, and the 

 percentage of increase has been greater than at 

 any census since 1860. The present population of 

 the State is more than thirty-one times as large as 

 the population reported at the first census in 1790. 

 The total land surface of New York is approxi- 

 mately 47,620 square miles, the average number 

 of persons to the square mile being 152.6. Of the 

 61 counties in the State, 38 have increased in 

 population since 1890. The counties showing the 

 largest increase are Schenectady, 57.2 per cent.; 

 Kings, 39.1 per cent.; New York, 35.3 per cent.; 

 Erie, 34.3 per cent. ; Richmond, 29.7 per cent. ; and 

 Westchester, 24.9 per cent. Out of the total popu- 

 lation of the State, there are 3,614,780 males, or 

 49.7 per cent., and 3,654,114 females, or 50.3 per 

 cent. There are 1,900,425 foreign born, and 112,- 

 013 colored. Of this number 99,232 are negroes, 

 7,170 Chinese, 354 Japanese, and 5,257 Indians. 

 In New York city there were 1,067,660 native 

 males and 1,099,482 native females, 658,045 for- 

 eign-born males and 632,035 foreign-born females; 

 33,587 colored males, of which 27,132 were ne- 

 groes, and 33,717 females, of whom 33,534 were 

 negroes. 



Insurance. The annual report of the Super- 

 intendent of Insurance for 1900 shows that the 

 business of 182 fire and marine insurance com- 

 panies represents aggregate receipts of $167,371,- 

 063 and disbursements of $161,316,628, being an 

 increase of $11,657,815 in receipts and an increase 

 of $2,669,430 in disbursements. The assets of the 

 fire and fire marine insurance companies of this 

 country and the foreign fire insurance companies 

 of other countries, with United States branches, 

 doing business in New York, aggregated $312,- 

 VOL. XLI. 47 A 



580,551, class ic< :, ,, u York )oint .. H ,, M;k 



compame*, $91 ,s.,l ,., j ; , ,> ..., ()( . k , ( , Ml|)luli , H of 

 other States, $11 l,l_<::,.,:,,. ,,,.,,,,, |jn . f nMUr 

 companies, $77,722,724; V .. >i ,,,.. lim i,.;.N, **:n '. 

 3.32; mutuals of oilier , ,:;o '\ | K . H ' ( . 



figures show an a^n-at,- !.,<;, ,. 7,'i'Vi 7:j 1*7 

 The liabilities of these romp.,: ,,.'., .Vriii 



and capital, an; $148,200,737, :m ;n. ;,,',.,'. ?,f $.-,'. 

 240,207. The assets of life compiuiii I 7 '.'/- 



737,722.52, an increase of $147 ,403,0 UJ.-Jf. ( n tlii'-n 

 New York State companies had $1,01:1,:;] 7 -,:>,\ v. 

 an increase of $89,950,741.43; compam,-- oi other 

 States, $681,419,890.63, an increase of *:>7J.,-.:;o;.- 

 82. The aggregate of premium notes and loan* 

 showed an increase of $1,042,277.97, while defern-d 

 and uncollected premiums decreased $3,H1!),I>7.:{1. 

 The liabilities of the companies were $1,565,459,- 

 780.86, the increase being $213,527,714.09. The 

 liabilities of New York State companies were 

 $945,734,272.02; companies of other States, $619,- 

 725,508.84. The gross divisible was: New York 

 State companies, $96,583,559.87 ; companies of 

 other States, $61,694,381.79; aggregate, $158,277,- 

 941.66. The New York State companies issued 

 402,439 policies, insuring $816,741,691, and ter- 

 minated 212,448 policies, insuring $479,476,325. 

 The companies of other States issued 284,566 pol- 

 icies, insuring $540,027,962, and terminated 144,- 

 727 policies, insuring $285,485,049. The aggre- 

 gate of the above were 687,005 policies issued, in- 

 suring $1,356,769,653, and 357,175 policies ter- 

 minated, insuring $764,961,374. 



Excise. The collection of the tax or excise is 

 under the charge of a commissioner, and the in- 

 cumbent was Henry H. Lyman, who died on May 

 4, and was succeeded on May 21 by Patrick 

 H. Cullinan, who was appointed to fill the un- 

 expired term. The annual report shows that 

 the total receipts under the liquor tax law for 

 the year ended on April 30, 1901, was $12,- 

 532,600; rebates paid during above period, $753.- 

 140.52; county treasurers' fees, $54,704.70; net 

 revenue, $11,724,755; expenses of collection, 

 county treasurers' fees, and expenses of depart- 

 ment, $343,495; ratio of expenses of collection to 

 gross amount collected under liquor tax, 2.7 per 

 cent., as compared with 8 per cent, for the last 

 year under the old law. Total receipts under the 

 old law for year ended April 30, 1896, were $3,172,- 

 376; expenses of collection, $252,782; net revenue 

 in localities where licenses were issued, $2,291,268; 

 net revenue under the liquor tax law for five 

 years from May 1, 1896, to April 30, 1901, inclu- 

 sive, $57,384,248; number of licenses or certificates 

 issued during the last year under old excise, 33,- 

 437 ; under last year of liquor tax law, 26,839 ; de- 

 crease in places selling liquors under liquor tax 

 law, 6,598. In 1898, under the old law, there were 

 659 license and 283 no-license towns in the State. 

 In September there were 649 license and 285 no- 

 license towns. There are 26 towns which only 

 allow sales of liquor by pharmacists on physi- 

 cians' prescriptions. The percentage of popula- 

 tion in the State contained in no-license towns 

 is 6.2. 



Education. In the latest annual report of the 

 Superintendent of Public Instruction, he empha- 

 sizes the necessity of thoroughness in elementary 

 studies, and expresses the conviction that the 

 most urgent need of our public-school system is 

 more thorough work in elementary subjects, such 

 as language, arithmetic, history, and geography. 

 The demands upon pupils' time now are excessive, 

 and if more subjects are to be crowded into the 

 curriculum it follows, as a principle of natural 

 law, that something must be displaced, 

 the necessity of enlarging the powers of school 



