VALUABLE TREATISE 0I( 



rj 



rUBLISHEI) IN THE BANKERS' MGAZINE AND STATISHCAL EEGISTEE. 



ALSO 



Pvhlishcd in one volume duodecimo, and adapted to the use of general readers. 



A Treatise ox Banking, the Duties of a Banker, and his Pkrsonal Bequisite3 

 THEREFOR. By A. B. JOHNSON, Esq., President of the Ontario Branch Bank, 

 Utica; Author of " A Treatise on Languasre, or the Relation which Words bear to 

 Things/' " Religion in its Relation to the Present Life," &c. 



PART FIRST. — THE BANK. 



IV. 



vu. 

 viir 



IX. 

 X 



XI. 



xn. 



XTII. 



XiV. 



XV. 



XVL 



XML 



XVTIL 

 XIX 



/ XX 



• XXI. 



ixy 



XXIIL 



, xxf v! 



XXVf. 



xxva 



Sxvui. 



XXIT 



^v^ 



Of Discount or Inlerest- 



DitTerence among Banks aa to the Allowable Kate of Interest. 



The Profits to a Bank from its Eauk Notes and Deposits. 



Bank Divi tie nils. 



Beuefita to the Public from the use of Bank Notes. 



K^ative Utitity to the Public of ihe Safety Fund and Tree Banks. 



Lo3ii to the Public from Insolvent Hank Notes. 



The Safety Funii System of New York. 



Rektive Lucrativeness to Bank Osvaers of the Safety Fund and Free Banks. 

 Free Banking in New York. 



Kelative EtftiCiJ on City and Country Capf^ sis of the Safety Fund and Free Bank Syst'sma. 

 R«laiive BtTects on City and Country Conimerce of the Safety Fund and Free Bank Systeina. 

 Different Legal Privil-T*^ acconied to different Safety Fund Banks. 

 Pi^erence in the Pruductivenesa of BiiTerent Magniiudes of Be...:. Capital 

 The Currency. 



The Currency of the State Is a son of Measure of the Bu3ines;3 of the State. 



The Businesa of xhe State is a son of Guarantee to Bankd far the permanence of a giren asnovnl of 

 Currency. » 



A Surplnda2;e of Currency can never exirsttong. 



The Extinguishment of Bank Circu^tion and DspoaitSj and the ExtinguishniCRt < Debts due to 



Raoks, pre^^^ve a pretty uniforni equality. 

 Specie Payments. —Specie Su§pensip._' 



Su^siwn^ion of Specie Payments by a sing^Ie Sclrest Bank. 

 L**"^' Tender. 



Keceivahlea and Treasury Notes. 



A Nuional Currency, 



Expansions of the Bank Note Currency. 



The Sjiirit of Speculation is Conta^. 



Exp.t'^ '^n of Bank Deposit*. 



C*'ntrac'ioa of the C 



P^ . ■ ■'.....'. C<intr»'' .iiiA, 



Pressure C^nuraction. 

 Piwjic, 



Til** Prs^siife in the fntedtfr, 

 TheP- - iP 

 The Sale of E.xchange. 



OHlfectioas w''^' the 9' \e. ^ 



CiMitBcr 3 oot of the Siata. 







# 



:y 



I 



%. 



^/s 



terminate 



t 



PAllT SECOND. -THE EANKEK 



■J 



Tb*5 Pecu =■ - 



T!ml : : :>fi 

 S^uiity. 





.r.^r\f^ ^r |^;g j; ., ..> ji^^^^j^.j coM^iirve t'- FecvK ' ; Object of iba 



■ T ncc ,-y lo BanV-- 



nr mid Di^Urs tthmiU :>e atjbordlsmi* tiT the Inlerssta of the Saak 



J^ L J 



■ ^^ 



^ LJ. 



