PuUhhcd hi the Banker s* Mas^azi/ie, Jiaie, 1S49. 



vn. 

 vin. 



IX. 

 X 



XI. 



XII. 



xni. 



XIV. 



x^^ 



XVI. 



xnr. 



XVIII. 



XTX. 



XX. 



XXT. 

 XXII. 



xxin. 



XXIV. 



XXV. 



XXVI. 



xxvii. 



XXVUL 

 XXIX. 



XXXI. 

 XXXfL 



xxxui. 



XXXIV 



XXXV 



XXXVI. 



xxxvn. 



in 



Contents cmUinued, 



Security founded on the Mv^ralliy of the Debtor. 



Securiiy founded on the Habits of a Debtor, 



Security founded on the Nature of a Man's Business. 



Security founded on the Application of the Loan. 



Security founded on the Character of the Paper that is to be Discounted. 



Acceptancea in advance of Consignments. 



Assiiniialcd Notes and Acceptances. 



Kiting. — Dummies. — Void Notes and Drafts. 



OfGain^. 



When to be moderate. 



The kind of Paper that a Banker should prefer. 



Selection of Loans founded on Incidental Circulation and Deposits. 



Selection of Lnan-a founded on the Place of their Kepaymenl. * 



Selection of Loans founded on the Sale of Exchange. 



Selection of Loans founded on the Commission for their Collection. 



Selection of Loans fmnded oa the Time they are to Endure. 



Time Estimated with reference to the Prospective Wauta of a Bank. 



Time with reference to Panics and Pressures. 



A Banker should acquaint '. / nself with the Pecuniary Circumstances of his Dealers. 



A Buiker should, as far as is practicable, know the Signatures of hia Dealera. 



A Banker should know ihe Iledidence of Endorsers. 



A Banker must know the Pcc-.^ary Condition ofhis Bank. 



Pro-^peciive Resources. 



Provision for the Future. 



Generit Supervision. 



Over-draUs. 



Enforcement of Payments. 



Adherence to Good Principles. 



A BarJcer should beware of Per^tiaslon, and of undue Pertiaacity in Applicant* 



A Eaaker should beware of Speculators. 



A Banker should keep independent of hia Debtors- 

 Economy. 



I 



i. 



■ 

 t 



n. 



UL 



PART THREE. — THE MAN. 



H'! should be ';vary of Recommendations. 

 He should he Governed by hi 

 Final Rr-T-rks. - 



r 



ft 



IS ^-n Judgment. 

 Contingent Expenses. — Diyidenda. 



f^^L 'T ^^^'='^®'^^ ^fics on banfctnnr. and a still greater number of ar' : i on 



1 ^ . '^^t f»a^e appeared in America. We have before us one of li 



^ Ireat.se or, Bank 



PfwivJer.t ofiheO ' 

 " The first part ~ 

 ^^^Jr ami a rn, 



mg. In n9ag*""-0S and other 



■ , n nrerit. It Is eolitled 



--^r.- 2r A. B- Johnson, 



ales V 



*"T— the r -'es of a Banker, and i\ Peraon.^.' K: ;■ 



Branch E....x» at Utica. in the Stale of New York. 

 'TbeBank^-contD-- a clear exposition of some if— rtai.. .....ciples of tok^r^ and cur- 



banks of E 

 and 



the! - America may differ in their princir' \ 



.^\' ^^^"'^ "'''^ ^^'^ practical operations, the qualiJicati 



'it howeif^ef whfeiy the 



coi: unions, 

 ^ to which i^*..y 



rT^ rr^jvi 



u -rn I' u^i.nn hetw-en the safety fund svatem and the free bank syste - - -":^ '= bed iu .\ew \ ork. 



/iwsecoud pHrt-^*The Banker'- is of a hi ehly pmctfcal chanicter; ami it si ' 



the*" ""^'nf th^=r-^«';.w 



«xr>oaft! 1 * i-^. -..«.«, v..^. J. ...... nations of their ban '5. lh« 



'* n,.- ' '^'^ >' .s necessary to success, are much the same in both coqjiIHr^ 



tHf*se thai h ''*^ii*^tles5 observe that many of the : : ■ .s inculcated ir"he ahf-— ■iti'^r^ am similar to 



^ve revi m ^^'^" ^PPe^red in our pa-es, cither in original contri' . ' 

 neaa. W n " '^^''' '^'*'"^''^^»^*=« '« ^^^ ^'^ ^^ ^i" ^ ^^rllsh and America- '-^ 

 prinr-pjj p ^^^ sealiment, — " While a banker adheres with re,- ' ; ' 

 ^ —P- r r^ndence is euarantee f'»r his success.^' We belicre that in 



t^ Wi^ ^r^^ ^ ''- "^''^ ""^ ^^'""^ Prinr-;tes. Whether or not a bank fiVJo-^ 'r^ ^^^ nrr^ ^^ administTU'* 

 .^^ ->.^ -^ ■ .^-enpnr^, ig r>rmuch more importance to success ::. 



^ ..!. 01 a oanfe is of mnrA imnnrtnnrj» than i!s 



^ -^ jj. 



acti from works t?at w« 

 ". nation of their saund- 



f btisindSs and setUf^ 



ihe fa; '" 



H-*^^PW t"t 



^ , V^ 



■'^ I- 



hauk is of more innportancc than lis coast 



5 of "'* or ifiFen L^^i^^i ,4 

 Bankers^ ''=-" '^'^ ''^ 



