186 CREDIT 



credit," May, 1916, 31-46; June, 1916, 24-40; July, 1916, 14-24; "Popular 

 Bank of Moscow," Nov.-Dec., 1918, 861-873. Uruguay "Mortgages," July, 

 1918, 565-585; Jan., 1917; 65-70. United States" Organization of Credit 

 Unions" (in 9 States, namely: Mass., N. Y., R. I., Tex., S. C., N. C., Wise., 

 Utah, Ore.). June-July, 1919, 356-358. 



16. "Annual Reports, on Savings and Loan Associations, Land Bank of 

 the State of New York, and Credit Unions," Superintendent of Banks, Albany. 



17. "Annual Reports, Inspector of Ohio Building and Loan Associations," 

 Columbus. 



18. ROSENTHAL, HENRY S.: "Building, Loan and Savings Associations: 

 How to Organize and Successfully Conduct Them," Chicago, 1911, 3d edition. 



19. "Annual Reports, Rural Credit Societies of Manitoba, Parliament 

 House," Winnipeg. 



20. "Loans under Rural Credit Law of South Dakota, State Banking 

 Department, Pierre." 



21. "Loans under Rural Credit Law of North Dakota, Monthly Report, 

 Bank of North Dakota, Bismarck." 



APPENDIX 



The Twelve Federal Land Banks. Numbered by Districts. 1. Springfield, 

 Mass. States served Maine, Massachusetts, Vermont, New Hampshire, 

 Rhode Island, Connecticut, New Jersey, New York. 



2. Baltimore, Md. States served Pennsylvania, West Virginia, Mary- 

 land, Delaware, Virginia, District of Columbia. 



3. Columbia, S. C. States served North Carolina, South Carolina, 

 Georgia, Florida. 



4. Louisville, Ky. States served Indiana, Ohio, Kentucky, Tennessee. 



5. New Orleans, La. States served Louisiana, Mississippi, Alabama. 



6. St. Louis, Mo. States served Illinois, Missouri, Arkansas. 



7. St. Paul, Minn. States served North Dakota, Minnesota, Wisconsin 

 Michigan. 



8. Omaha, Neb. States served Wyoming, Nebraska, South Dakota, 

 Iowa. , 



9. Wichita, Kansas. States served New Mexico, Kansas, Colorado, 

 Oklahoma. 



10. Ho iston Tex. State served Texas. 



11. Berkeley, Calif. States served California, Nevada, Utah, Arizona. 



12. Spokane, Wash. States served Idaho, Washington, Montana, 

 Oregon. 



Federal Land Banks. Loans Made up to February 1, 1919 



Spokane $25,912,555 St. Louis $11,830,410 



St. Paul. . . 24,141,900 Louisville 10,864,000 



Omaha 17,922,140 Berkeley 10,013,200 



Houston.... 17,394,276 Columbia 8,321,090 



Wichita 16,981,800 Baltimore 6,531,850 



New Orleans 12,975,415 Springfield 6,225,295 



Total loans, $168,213,931; number of borrowers, 71,204; average per loan $2,362. 



