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384 HISTORY OF THE BANKAll banks The Canadian Bankin Canada of Commerce1893 $174,776,722 $17,966,2001894 181,743,890 17,570,2361895 190,916,939 17,636,4891896 193,616,049 18,212,4181897 211,788,096 19,354,9571898 236,161,062 23,289,1061899 266,504,528 27,726,3631900 305,140,242 29,680,2691901 349,573,327 51,679,3661902 390,370,493 53,923,2871903 424,167,140 62,783,6551904 470,265,744 70,459,3511905 531,243,476 74,373,4911906 605,968,513 87,152,5371907 654,839,711 87,041,0571908 658,367,015 95,037,7961909 783,298,880 120,486,9781910 909,964,839 126,834,253It is interesting to note the changes which took place inthe bank's annual statement during the five years of the war.In comparing the figures at the end of November, 1914, withthose of November, 1918, it will be found that the main itemsin its balance sheet are almost doubled:1914 1918Deposits $181,508,809 $353,158,816Note circulation 14,942,557 31,583,694Loans 170,999,290 272,304,231Total assets 245,364,398 440,310,703No. of branches 379 415It will be noticed that loans lagged somewhat behinddeposits and note circulation, but at the end of such a periodof unsettlement this was only to be expected.Throughout the war the dividend paid to the shareholdersremained at ten per cent., with a semi-annual bonus
THE BANK DURING THE WAR 385of one per cent., the rate adopted, as already mentioned,in the latter half of 1912. At the annual meeting in January,1919, it was announced by the general manager, Sir John Aird,that as the Rest had now reached a sum equal to the paid-upcapital, it was proposed in future to make the regular dividendtwelve per cent, per annum. At the same meeting the numberof directors was increased from nineteen to twenty-two, andthe new seats were filled by the election of Messrs. ThomasFindley, 1 president and general manager of the Massey-Harris Company, Limited, Toronto; William W. Hutchison,2vice-president of the Lake of the Woods Milling Company,Limited, Montreal; and Hugh Russell Silver, 3 of H. R. Silver,For some time there had been in existenceLimited, Halifax.a special standing committee of the Board, which could becalled into consultation by the general manager at any time,and at this meeting of the shareholders the committee wasrecognized by the by-laws and provision made for the remunerationof its members. The by-laws of the bank, which hadfrequently been amended in various particulars, until theamendments had become rather too numerous for convenientThomas Findley (1870-1921) was born at Bond Lake in the county of York.Ontario. He entered the service of the Massey-Harris Company, Limited, in 1890,and rose to be vice-president and general manager. He was also a director of theNational Trust Company, Limited, and associated with a number of other companiesclosely connected with the Massey-Harris Company, Limited.William Watson Hutchison (b. 1865) is a native of Montreal. He started hisbusiness career in the employ of Messrs. Ogilvie and Hutchison, flour millers ofGoderich, Ont. In 1882 he entered the service of Messrs. A. W. Ogilvie andCompany, millers, of Montreal, and two years later went to Winnipeg in the employof the Ogilvie Milling Company. In 1897 he joined the staff of the Lake of the WoodsMilling Company, opening their Toronto office; in 1904 he was made eastern managerof the Company, with headquarters in Montreal. He was elected a director in 1905and vice-president in 1910. He is also a director of the Keewatin Flour Mills Company,the Sunset Manufacturing Company, and the New Brunswick Railway Company.He has served as treasurer of the Montreal Board of Trade, and during thewar acted first as a member, and later as chairman, of the Millers' Committee ofCanada under the Food Board.'Hugh Russell Silver (b. 1867) is a native of Lunenburg, N.S. He is presidentof H. R. Silver Limited, Halifax, export and import merchants. He is also a directorof the Eastern Trust Company, Halifax, and serves on the Board of Directors ofseveral other companies.
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A HISTORYOFTHE CANADIAN BANKOF COMM
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A HISTORYOFTHE CANADIAN BANKOF COMM
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PREFACE[S volume closes at the end
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PrefaceContentsIllustrationsCHAPTER
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xILLUSTRATIONSPLATENO.FACINGPAGE25
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XllILLUSTRATIONSNO.63 TCamloops, B.
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IPLATtIHI Hov \\II.I.I\M M.MASTERFi
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2 HISTORY OF THE BANKbrought about
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4 HISTORY OF THE BANKthat, because
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6 HISTORY OF THE BANKtain the usual
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THE CHARTER 7the Grand Trunk Railwa
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THE CHARTER 9proposed bank was to s
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THE CHARTER 11province or secured b
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THE CHARTER 13enterprise, perhaps t
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I'I.VTI-: No. |.rilAKLOTTKTCNYN. IV
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16 HISTORY OF THE BANKpresently be
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18 HISTORY OF THE BANKMontreal, or
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THE CHARTER 19financial and commerc
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THE CHARTER 21of London, 9 who had
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THE CHARTER 23many of them stand ve
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THE CHARTER 25drew on the Mancheste
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THE CHARTER 27Confederation, Mr. Ro
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THE CHARTER 29Company. It is signif
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THE CHARTER 31opposition that at ti
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THE CHARTER 33made its appearance,
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PLATE No. C.EDMONTON, ALTA.
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36 HISTORY OF THE BANKarrival of Lo
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38 HISTORY OF THE BANKinto in Novem
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40 HISTORY OF THE BANKis certain, I
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42 HISTORY OF THE BANKlater he anno
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44 HISTORY OF THE BANKCanada banks,
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46 HISTORY OF THE BANKConservative
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CHAPTER II.1867 TO 1901.We may now
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1867 TO 1901 51to open an account w
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1867 TO 1901 53committee to select
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-3* IX ;-- rii8111'l.ATK No. 7.
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56 HISTORY OF THE BANKas scrutineer
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58 HISTORY OF THE BANKtime contribu
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60 HISTORY OF THE BANKeven terms wi
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62 HISTORY OF THE BANKwere $32,003,
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1867 TO 1901 63The opening of the N
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1867 TO 1901 65and bamboo wares, st
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I'l.VPK No. !).NEW YORK, X.Y.
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68 HISTORY OF THE BANKwith Great Br
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70 HISTORY OF THE BANKParkhill. Win
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72 HISTORY OF THE BANKSaskatchewan
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74 HISTORY OF THE BANKmoney. The Am
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76 HISTORY OF THE BANKelected to su
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78 HISTORY OF THE BANKequalled. Alt
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80 HISTORY OF THE BANKThe minute bo
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82 HISTORY OF THE BANKcontaining $1
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1867 TO 1901 83Dunclas branch, the
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1867 TO 1901 85sequences; on the ot
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PLATE No. 11.us
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88 HISTORY OF THE BANKGreat Britain
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90 HISTORY OF THE BANKof the Provin
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92 HISTORY OF THE BANKare quoted in
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94 HISTORY OF THE BANKthe officers
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1867 TO 1901 95front door of the of
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1867 TO 1901 97Darling, 1president
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( OUNKR OF KING AND JORDAN STREETS,
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100 HISTORY OF THE BANKsite was ere
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102 HISTORY OF THE BANKpublic caree
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1867 TO 1901 103this examination ha
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1867 TO 1901 105As a guide for the
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1867 TO 1901 107chosen to succeed M
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1867 TO 1901 109January, 1887. Her
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PLATE No. 15.REGINA, SASK.
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112 HISTORY OF THE BANKIn his actio
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114 HISTORY OF THE BANKby the death
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1867 TO 1901 115stood to favour cha
Page 171 and 172:
1867 TO 1901 117James Stevenson 1of
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1867 TO 1901 119Bank of Commerce at
Page 175 and 176:
1867 TO 1901 121shareholders that t
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1867 TO 1901 123It will be evident
Page 179 and 180:
in conjunction with Mr. J. O. Bigel
Page 181 and 182:
1867 TO 1901 127wood, in British Co
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These figures show the fresh life18
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PLATE No. 17.SAN FRANCISCO, CAL.
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132 HISTORY OF THE BANKtifii0094- -
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134 HISTORY OF THE BANKDecember 6,
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and Mr. W. E. H. Massey.11867 TO 19
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CHAPTER III.THE YUKON ADVENTURE.Som
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THE YUKON ADVENTURE 139them to hand
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139 138 137* 135 134of Country betw
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142 HISTORY OF THE BANKexploits of
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THE YUKON ADVENTURE 143point at tid
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THE YUKON ADVENTURE 145who had been
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LAKE BENNETT, Y.T.The first Canadia
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148 HISTORY OF THE BANKportage was
Page 216 and 217:
150 HISTORY OF THE BANKstrong curre
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THE YUKON ADVENTURE 151with only an
Page 221 and 222:
the bank.THE YUKON ADVENTURE 153Whe
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THE YUKON ADVENTURE 155business, an
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THE YUKON ADVENTURE 157the whole tr
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PLATE No. 24.
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160 HISTORY OF THE BANKwould be pas
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162 HISTORY OF THE BANKsacks of gol
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THE YUKON ADVENTURE 163business tha
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THE YUKON ADVENTURE 165which has be
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iThe firstI)A\YSO\, Y.T.Imilding er
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168 HISTORY OF THE BANKfrom twelve
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170 HISTORY OF THE BANKthemselves w
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172 HISTORY OF THE BANKpayment of w
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174 HISTORY OF THE BANKof which the
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THE YUKON ADVENTURE 175ground. It w
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THE YUKON ADVENTURE 177required, an
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WINTER IN THE YUKON\O.SUMMER IN THE
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180 HISTORY OF THE BANKby becoming
Page 260 and 261:
182 HISTORY OF THE BANKferent meals
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THE YUKON ADVENTURE 183relief,was a
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THE YUKON ADVENTURE 185had to be ma
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THE YUKON ADVENTURE 187Early in the
Page 269 and 270:
THE YUKON ADVENTURE 189from losses
Page 271:
4PLATE No. 30.
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192 HISTORY OF THE BANKThe hall was
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194 HISTORY OF THE BANKthe bank's o
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THE YUKON ADVENTURE 195"THE SPELL O
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THE YUKON ADVENTURE 197And it's bet
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CHAPTER IV.1901 TO 1914.The dawn of
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1901 TO 1914 201Indian reservation
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1901 TO 1914 203in the dry areas of
Page 291 and 292:
1901 TO 1914 205one first-class pas
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C;.MAN.PLATE No. 3*.
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208 HISTORY OF THE BANKThe rapid st
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210 HISTORY OF THE BANKyouths in th
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1901 TO 1914 211valued at $160 per
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1901 TO 1914 213it had also branche
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WOODSTOCK, ONT.
Page 308 and 309:
216 HISTORY OF THE BANKreasons for
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218 HISTORY OF THE BANKrule was pro
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220 HISTORY OF THE BANKin the devel
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222 HISTORY OF THE BANKbut that 14,
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1901 TO 1914 223selected for this p
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1901 TO 1914 225A few months later
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I'LATK NO. :;
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228 HISTORY OF THE BANKIt may be in
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HISTORY OF THE BANKthe amount was a
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1901 TO 1914placed a great strain o
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1901 TO 1914 233It closed its doors
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1901 TO 1914 35had been filled by t
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1901 TO 1914 237instructed that the
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;WINNIPEG, MAX., STAFFORD AND GROSV
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240 HISTORY OF THE BANKaccept notes
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242 HISTORY OF THE BANKyear the pra
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1901 TO 1914 243were made by the ba
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1901 TO 1914 245the bank opened rec
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IJAIIKr|\1BK.UUKH ii|nin.Man>b ra B
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248 HISTORY OF THE BANKdoors, or ha
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250 HISTORY OF THE BANKIndications
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252 HISTORY OF THE BANKin London fu
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254 HISTORY OF THE BANKFlumerfelt,
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1901 TO 1914 255Walker, which had o
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1901 TO 1914 257meeting to reduce t
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PLATE No. 42.PORT ARTHUR, O\T.
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260 HISTORY OF THE BANKpast in the
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262 HISTORY OF THE BANKin which the
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1901 TO 1914 263over fifty per cent
Page 376 and 377:
266 HISTORY OF THE BANKGetting clea
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268 HISTORY OF THE BANKsilver, on t
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270 HISTORY OF THE BANKcash book wo
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THE ROMANCE OF BANKING 271At Langha
Page 385 and 386:
THE ROMANCE OF BANKING 273stood dur
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THE BANK'S TEMPORARY OFFICE IX SOUT
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276 HISTORY OF THE BANKfor him to m
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278 HISTORY OF THE BANKdistance, or
Page 395 and 396:
THE ROMANCE OF BANKING 279town for
Page 397 and 398:
THE ROMANCE OF BANKING 281ready-mad
Page 399 and 400:
THE ROMANCE OF BANKING 283of a cust
Page 401 and 402:
THE ROMANCE OF BANKING 285in such a
Page 403:
ATLIN. B.C.First office of the hank
Page 406 and 407:
288 HISTORY OF THE BANKminer at a n
Page 408 and 409:
290 HISTORY OF THE BANKMr. Kains sa
Page 411 and 412:
THE ROMANCE OF BANKING 291walls fol
Page 413 and 414:
THE ROMANCE OF BANKING 293hatless,
Page 415:
3ilPLATE No. 49.
Page 418 and 419:
296 HISTORY OF THE BANKthe fire, th
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298 HISTORY OF THE BANKa certain ki
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300 HISTORY OF THE BANKscope. The b
Page 424 and 425:
302 HISTORY OP THE BANKhouse. Two o
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THE ROMANCE OF BANKING 303the name
Page 429:
THE ROMANCE OF BANKING 305temporari
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308 HISTORY OF THE BANKinsignifican
Page 436 and 437:
310 HISTORY OF THE BANKupon Russia
Page 439 and 440:
THE BANK DURING THE WAR 311reach hi
Page 441 and 442:
THE BANK DURING THE WARSISbranches.
Page 443 and 444:
THE BANK DURING THE WAR 315was impr
Page 445 and 446:
THE BANK DURING THE WAR 317given if
Page 447:
PLATE No. 52.
Page 450 and 451:
320 HISTORY OF THE BANKthe views of
Page 452 and 453:
322 HISTORY OF THE BANKto be reinst
Page 455 and 456:
THE BANK DURING THE WAR 323and gene
Page 457 and 458:
THE BANK DURING THE WAR 325was poss
Page 459 and 460:
THE BANK DURING THE WAR 3271914, an
Page 461 and 462:
THE BANK DURING THE WAR 329soon rea
Page 463 and 464:
THE BANK DURING THE WAR 331Fund, wh
Page 465 and 466:
THE BANK DURING THE WAR 333Despite
Page 467 and 468:
THE BANK DURING THE WAR 335ment to
Page 469 and 470:
THE BANK DURING THE WAR 337"The dir
Page 471:
FORT FRANCES, ONT.- - ..._. ...PLAT
Page 474 and 475:
340 HISTORY OF THE BANKcommon with
Page 476 and 477: 342 HISTORY OF THE BANKthe concurre
Page 478 and 479: 844 HISTORY OF THE BANKto New York.
Page 480 and 481: 346 HISTORY OF THE BANKvalue of the
Page 482 and 483: 848 HISTORY OF THE BANKDuchess of C
Page 484 and 485: 350 HISTORY OF THE BANKcheques in H
Page 486 and 487: 352 HISTORY OF THE BANKtaken up mil
Page 488 and 489: 354 HISTORY OF THE BANKGovernment.
Page 491 and 492: THE BANK DURING THE WAR 355build up
Page 493 and 494: THE BANK DURING THE WAR 357Consolid
Page 495 and 496: THE BANK DURING THE WAR 359upon app
Page 497 and 498: THE BANK DURING THE WAR 361ordered
Page 499 and 500: THE BANK DURING THE WAR 363excellen
Page 501 and 502: THE BANK DURING THE WAR 365Continen
Page 503 and 504: THE BANK DURING THE WAR 367During t
Page 505 and 506: THE BANK DURING THE WAR 369large ad
Page 507: VANCOUVER. B.C.,KITSILANO BRANCHPLA
Page 510 and 511: 372 HISTORY OF THE BANKtotalling we
Page 512 and 513: 374 HISTORY OF THE BANKmovement, wh
Page 515 and 516: THE BANK DURING THE WAR 375LL.D., D
Page 517 and 518: THE BANK DURING THE WAR 377they ope
Page 519 and 520: THE BANK DURING THE WAR 379a list o
Page 521 and 522: THE BANK DURING THE WAR 381the ban
Page 523: PLATE No. 58.
Page 528 and 529: 386 HISTORY OF THE BANKreference, w
Page 531 and 532: THE BANK DURING THE WAR 387ASSETS.G
Page 533 and 534: CHAPTER VII.THE LEGISLATIVE DEVELOP
Page 535 and 536: DEVELOPMENT OF CANADIAN BANKING 391
Page 547: SMITH'S FALLS, ONT.BLENHEIM, ONT.FO
Page 550 and 551: 404 HISTORY OF THE BANKThe practica
Page 552 and 553: 406 HISTORY OF THE BANKAfter a virt
Page 554 and 555: 408 HISTORY OF THE BANKbe a branch
Page 556 and 557: 410 HISTORY OF THE BANKand hold suc
Page 558 and 559: 412 HISTORY OF THE BANKknown as "En
Page 560 and 561: 414 HISTORY OF THE BANKsecurities b
Page 562 and 563: 416 HISTORY OF THE BANKthe Quebec B
Page 564 and 565: 418 HISTORY OF THE BANKchartered ba
Page 571 and 572: DEVELOPMENT OF CANADIAN BANKING 4*3
Page 573 and 574: DEVELOPMENT OF CANADIAN BANKING 45w
Page 577 and 578:
DEVELOPMENT OF CANADIAN BANKING 429
Page 579 and 580:
Page 581 and 582:
Page 583:
THETFORD MINES, P.Q.DANVILLE. P.Q.F
Page 586 and 587:
436 HISTORY OF THE BANKgroups. The
Page 588 and 589:
438 HISTORY OF THE BANKthe people o
Page 590 and 591:
440 HISTORY OF THE BANKof the Ameri
Page 592 and 593:
442 HISTORY OF THE BANKif the Gover
Page 594 and 595:
444 HISTORY OF THE BANKspecie reser
Page 596 and 597:
446 HISTORY OF THE BANKand not spec
Page 598 and 599:
448 HISTORY OF THE BANKconcessions
Page 600 and 601:
450 HISTORY OF THE BANKwith the ban
Page 603 and 604:
Page 605 and 606:
Page 607 and 608:
Page 609 and 610:
Page 611 and 612:
Page 613 and 614:
Page 615 and 616:
Page 617 and 618:
Page 619:
STRATHROY, ONT.STRATFORD, ONT.ST. T
Page 622 and 623:
468 HISTORY OF THE BANKquarry were
Page 624 and 625:
470 HISTORY OF THE BANKof the Minis
Page 627:
Page 631 and 632:
APPENDIX I.DAWSON BRANCH.MEMORANDUM
Page 633 and 634:
DAWSON BRANCH 477C. List of clothin
Page 635:
S3\\SIO vS 1PLATE No. (JO.
Page 638 and 639:
APPENDIX III.MARINE INSURANCE DURIN
Page 640:
482 HISTORY OF THE BANK1. The movem
Page 643 and 644:
APPENDIX IV.THE BANK PREMISES DEPAR
Page 645 and 646:
THE BANK PREMISES DEPARTMENT 485whi
Page 647:
TORONTO, ONT.Bloor and Lippincott B
Page 650 and 651:
488 HISTORY OF THE BANKon a 4^ per
Page 652 and 653:
490 HISTORY OF THE BANK
Page 654 and 655:
492 HISTORY OF THE BANKmatters as t
Page 656 and 657:
494 HISTORY OF THE BANKMoose Jaw an
Page 659 and 660:
THE BANK PREMISES DEPARTMENT 495cor
Page 661 and 662:
THE BANK PREMISES DEPARTMENT 497by
Page 663:
TORONTO, ONT.Archives Building.PLAT
Page 666 and 667:
500 HISTORY OFJTHE BANKinto conside
Page 668 and 669:
502 HISTORY OF THE BANKwhich had to
Page 671 and 672:
THE ARCHIVES DEPARTMENT 503stories,
Page 673 and 674:
THE ARCHIVES DEPARTMENT 505heavy pa
Page 675 and 676:
THE STATIONERY DEPARTMENT 507The op
Page 677 and 678:
APPENDIX VII.OFFICERS' GUARANTEE FU
Page 679:
PLATE No. 7.NOTES OF THE CANADIAN B
Page 682 and 683:
512 HISTORY OF THE BANKto the point
Page 684 and 685:
514 HISTORY OF THE BANKlosses would
Page 687 and 688:
OFFICERS' GUARANTEE FUND 515per ann
Page 689 and 690:
APPENDIX VIII.THE PENSION FUND.It i
Page 691:
NOTES OF THE CANADIAN BANK OF COMME
Page 694 and 695:
520 HISTORY OF THE BANKprovision th
Page 696 and 697:
522 HISTORY OF THE BANKto the Pensi
Page 698 and 699:
524 HISTORY OF THE BANKwere appoint
Page 700 and 701:
526 HISTORY OF THE BANKas they migh
Page 703 and 704:
THE PENSION FUND 527abolished, an i
Page 705 and 706:
THE PENSION FUND 529quarterly asses
Page 707:
.^No. 76.NOTES OF THE CANADIAN BANK
Page 710 and 711:
532 HISTORY OF THE BANKdistinguishi
Page 712 and 713:
534 HISTORY OF THE BANKthe Canadian
Page 715 and 716:
THE BRANCH CLEARINGS SYSTEM 535to b
Page 717 and 718:
THE BRANCH CLEARINGS SYSTEM 537of r
Page 719 and 720:
THE BRANCH CLEARINGS SYSTEM 539entr
Page 721 and 722:
THE BRANCH CLEARINGS SYSTEM 541were
Page 723:
PLATE No. 78.
Page 726 and 727:
544 HISTORY OF THE BANKIn the follo
Page 728 and 729:
546 HISTORY OF THE BANKThe Hon. Geo
Page 731 and 732:
NOTE ISSUES 547On only one occasion
Page 733 and 734:
NOTE ISSUES 549notes which would be
Page 735:
PLATE No. 80.
Page 738 and 739:
552 HISTORY OF THE BANKand other sy
Page 740 and 741:
554 HISTORY OF THE BANKSept. 19, 18
Page 742 and 743:
APPENDIX XII.CHRONOLOGICAL LIST OF
Page 744 and 745:
558 HISTORY OF THE BANKFeb. 15, 189
Page 747 and 748:
JulyCHRONOLOGICAL LIST OF BRANCHES
Page 749 and 750:
CHRONOLOGICAL LIST OF BRANCHES 561O
Page 751:
PLATE No. 82.
Page 754 and 755:
564 HISTORY OF THE BANKMarch 15. 19
Page 756 and 757:
566 HISTORY OF THE BANKMarch
Page 759 and 760:
'CHRONOLOGICAL LIST OF BRANCHES 567
Page 761 and 762:
March 5, 1912CHRONOLOGICAL LIST OF
Page 763 and 764:
CHRONOLOGICAL LIST OF BRANCHES 571A
Page 765 and 766:
APPENDIX XIII.STATISTICS.
Page 767 and 768:
STATISTICS 575
Page 769:
PLATE No. 84.
Page 772 and 773:
TOH*.w t'
Page 774 and 775:
Tiff* *iTtiMr
Page 777 and 778:
s000250.GUARANTEEFUND,o.TOTALASSETS
Page 779 and 780:
PLATE No. 89.
Page 781 and 782:
TOTAl1868 1870 1875 i860 1885 1890$
Page 783 and 784:
BANKSMERCKFIERCE
Page 785 and 786:
Cl1868 1870 1875 1880 1885 1830 189
Page 788:
.1918234,983 ALL BANKS31,584 COMMER
Page 792 and 793:
578 HISTORY OF THE BANKBank Act of
Page 794 and 795:
580 HISTORY OF THE BANKBritish Gove
Page 796 and 797:
582 HISTORY OF THE BANKCanadian Ban
Page 798 and 799:
584 HISTORY OF THE BANKDallas, R. J
Page 800 and 801:
586 HISTORY OF THE BANKFraser, Pitb
Page 802 and 803:
588 HISTORY OF THE BANKIndian rupee
Page 804 and 805:
590 HISTORY OF THE BANKMerchants Ba
Page 806 and 807:
592 HISTORY OF THE BANKProvincial T
Page 808 and 809:
594 HISTORY OF THE BANKTaylor, John
Page 817:
BINDINGr ?T."^ 1PLEASE DO NOT REMOV
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