1893 - State Library Information Center

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470 STATISTICS OP LABOR AND INDUSTRIES.to wait some time for their money. It allows to each shareholderwho has stock about to mature three courses to pursue: First,he may withdraw under the provisions for non-matured Btock;aecoud, he may become a borrower on his shares; or lastly, hemay let his shares mature so that there is due him the full maturedvalue of the same., "Under the plan above described the maturing of shares producesno disturbance whatever in the regular course of businessof the association. There is no accumulating of funds that drawa low rate of interest. Unless there is something in the law ofthe <strong>State</strong> which prohibits, it i& entirely proper for the stockholdersof an association to hold a meeting, as provided by their articlesof association for amending the same, and at such meeting amendtheir articles of association to conform to the plan above specified." The plan which I have above described has been in practicaloperation for nine years in the Ohenaung Valley Mutual LoanAssociation of Elmira, New York. The articles of associationwere amended about two years before the first series of stockmatured; and this \Vas done by its shareholders, without a dis-Benting voice, upon presentation to them of the method proposed,at a meeting held for that purpose. This association maturesnext month its ninth annual series of stock. There has neverbeen a complaint from any shareholder with reference to his notgetting his money at the time the shares matured. If there issome shareholder who stands in great need of his money, thesecretary is always able to make some arrangement in the matterby which he'is accommodated." We knew how prone all workers in the local building andloan association movement are to think that the methods underwhich they have been working and with which they are familiarare the beBt, There is but one objection that can arise in theminds of any one to the method above outlined, and that is thatthe shares are not all paid promptly at the date of their maturity.That objection amounts to nothing in actual practice. The associationshould never agree to pay matured shares faster than ithas funds to pay the same. There Bhould be no provision in thearticles of association which makes an association legally liableto pay moneys faster than they are received for that particularjmrpose. No association, on account of matured shares, should
CO-OPERATIVE BUILDING AND LOAN ASSOCIATIONS.47 Lbe compelled to cease loaning money. It should have at leastsome portion of its receipts for borrowers every month."The following provision in the articles of an associationwould cover this manner of paying matured shares:« § When each free share reaches its matured value all paymentsof dues thereon shall cease, and the holder thereof Bhallbe paid, out of the funds of the association, the mature'd valuethereof, with such rate of interest as shall be determined by theby-laws, from the time the board of directors shall declare suchshares to have matured until paid; but at no time shall morethan one-third of the receipts of the association be applicable tothe payment of matured shares without the consent of the boardof directors. The order of payment of the matured shares shallbe determined by the by-laws."
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IRFAU OF STATISTICS01' I,AI;".R AND
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Contents.PAGE.INDEX TO SUBJECTSLETT
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CONTENTS,PART V.—Co-operative Bui
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CONTENTS.viiPART VI.—Labor Legisl
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INDEX.Building and Loan Association
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xiiINDEX.Building and Loan Associat
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xivTMDKX.Census Returns, 189O, U. S
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xviTN1)EX -I'AOgLand, Improved, in
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STATE OF NEW JERSEY, OFFICE OF BURE
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Introduction.On the second day of A
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INTRODUCTION.xxiiisummary of the re
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PART I.U. S. Census Returns1890
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4 STATISTICS OF LABOR ANI. TNI.USTK
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STATISTICS OF LABOK AND [NDUSTIUES.
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STATISTICS OF LABOR AND INDUSTRIES.
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ISDCSTBY.NO. OF ESTABL1SBMEXTS.VALU
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12 STATISTICS OF LABOR AND INDUSTRI
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14STATISTICS OF LABOR AND INDUSTIUK
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18 SlATISTfCS OF IJAHOK ANDThese da
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20 STATISTICS OF L.MJOK AND INIM:ST
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22STATISTICS OF LABOK AND INDUSTRIE
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26 STATISTICS OF LABOR AJSTD INDUST
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84\n28 STATISTICS OF LABOR AND INDU
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32 STATISTICS OF LABOR AND INIMJKTU
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STATISTICS OF LABOR AND INPUSTUIKS.
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40 STATISTICS OP LABOR AND INDUSTRI
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PART II.Social Developmentand thepu
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£8 STATISTICS OF LABOR AND INDUSTR
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60 STATISTICS OF LABOR AND INMJBTRI
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64 STATISTICS OF LABOR AND INDUSTKI
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PART III.Free Public EmploymentOffi
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PART IV.Woman's Work and Wages.Our
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WOMAN'S WORK AND WAGES. 83It is sca
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WOMAN'S WORK AND WAGES. 85employmen
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WOMAN'S WORK AND WAGES. 87book-keep
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WOMAN'S WORK AND WAGES. 89noted abo
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11 f 11f1139 Sif faIII .ffiio. g B
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TABLE 1.—COLLATED STATISTICS FROM
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9 5 S 9*1111 Him ii s 5 * 51 s j nI
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TABUS 1.—COLLATED STATISTICS FROM
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TABLE L—COLLATED STATISTIOS PROM
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esoNumber rtoetnag55 55 5 5 55555 5
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: : : ; Number receiving,j : '. :Av
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TABLE 1—COLLATED STATISTICS PROM
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i©t£ v< »-»••*.*,•.«.-a
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* * s?Illffjf.fiad08 8 S S 6 S 8Tot
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TABLB 2,—{JO&LATBD STATISTICS PRO
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TABLE 2. — COLLATED STATISTICS FR
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122 STATISTICS OF LABOR AND INDUSTR
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TABLE 2. —COLLATED STATISTICS PRO
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',126 STATISTICS OP LABOR AND INDUS
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130 •STATISTICS OF LABOR AND INDU
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136 STATISTICS OP LABOR AND INDUSTR
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140STATISTICS OF LABOR AND INDUSTRI
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PART V.Co-operative Building andLoa
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1892. 1891. 1890. 1888COUNTIES.*Atl
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153 STATISTICS OF LABOR AKD INDUSTR
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I170 STATISTICS OF LABOR AND INDUST
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-»!?!iffIBO O OIS:5qIAverage amoun
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iwEv00, below, for totalt.00I E1IWa
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SUMMARY 2.—BUILDING AND LOAN ASSO
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=3* a0i i3t i SAverage number of sh
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SUMMARY 3.— BUILDINO- AND LOAN AS
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SUMMARY 4.—BUILDING- AND LOAN ASS
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204STATISTICS OF LABOK AND INDUSTRI
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• * *1206STATISTICS OF LABOR AND
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*$* I ifIssiLlMliEa^ sss §_».ii_i
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ss.Fr-I ? Illis sQi IO CO£ si! S_j
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,9 sswg 2•H IS?! 19 0 OII?QQaCOtd
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SUMMARY a—BUILDINGJAND LOAN ASSOC
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PiIt8*3srhiir*• • 1 " • •:
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SUMMARY 8.— BUILDING AND LOAN ASS
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SUMMARY 8—BUILDING AND LOAN ASSOC
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SUMMARY 8.—BT7IU>INGr AND LOAN AS
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1 tng00 C* Oi "eft **-! "^1 ->l to
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SUMMAJRY 8.—BUILDING- AND LOAN AS
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uO g 32 S S£>5W2 wetor a41S|BIS;IS
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SUMMARY 9.—BUILDINa AND LOAN ASSO
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SUMMARY 10.—BUILDING AND LOAN ASS
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SUMMARY 1O.-BUILDING AND LOAN ASSOC
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organiIsite ofSUMMAEY 1O.-BUILDING
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IIP ** ^ O ® SWPSi!£ so =og5!6 pe
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SUMMARY 11.—BUILDING- AND LOAN AS
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11SUMMARY 12-BUILDING AND LOAN ASSO
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: • * •Salem 1 3Somerseto560 1t
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SUMMARY 14—BUILDING AND LOAN ASSO
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SUMMARY 15.—BTJIIiDING AND LOAN A
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CO-OPERATIVE BUILDING AND LOAN ASSO
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B UILDIN0 ANDj NUMBER OPSERIES.SERI
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COOPERATIVE BUILDING AND LOAN ASSOC
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§Bg§gggggc £"5'§ H.§§iFrequen
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fcSHIgillSSSSc *rr? m casesSB D (3
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1CO-OPERATIVE BUILDING AND LOAN ASS
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TABLE 2 —BUILDING AND LOAN ASSOCI
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TABLE 2—BUILDING AND LOAN ASSOCIA
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Offloa number.'Itoif!.*- : s»S_¥s
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•SNOUVioossyQNV omening;
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Offlee number.>idto*iI.8 8 S | B.S
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TABLE 2-BUILDING AND LOAN ASSOCIATI
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TABLE 2 — BUILDING AND LOAN ASSOC
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TABLE 2~ BUILDING AND LOAN ASSOCIAT
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TABLE 2— BUILDING AND LOAN ASSOCI
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TABLE 2 -BUILDING AND LOAN ASSOCIAT
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TABLE 2 ~ BUILDING AND LOAN ASSOCIA
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TABUS 2—BUILDING- AND LOAN ASSOCI
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618 •stfoiivioossy NVO^J CINV
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TABLE 2 — BUILDING- AND LOAN ASSO
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C/0-OPEBATIVB BCILDING AND LOAN ASS
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TABLE 3.—BUILDING- AND LOAN ASSOC
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TABLE 3— BUILDING- AND LOAN ASSOC
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TABLE 3.—BTJILDINCr AND LOAN ASSO
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TABLE 3.—BUILDING AND LOAN ASSOCI
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Office number.I*I sKT.8I
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TABLE 3.—BUTLDINGr AND LOAN ASSOC
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Office number.ngoo£§»§£§pCOOo
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TABLE 3.-BUILDING AND LOAN ASSOCIAT
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TABLE 3.—BTJILDINGr AND LOAN ASSO
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TABIiB 3.—BtrmDlNQ- AND LOAN ASSO
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TABLES 3.—BUHJMNGh AND LOAN ASSOC
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TABLE 3.— BUILDING- AND LOAN ASSO
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11iS8dHIliillsiro6w3i"SB'S?lift IgS
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£«to l& §I fflf ICO8 rG 2!3O r»
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TABLE 3.—BUILDING- AND LOAN ASSOO
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iTABLE 3.—BOTLDINa AND LOAN ASSOC
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TABLE &—BUILDING AND LOAN ASSOCIA
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TABLE 3.—BOILDINGr AND LOAN ASSOC
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TABLE 3.—BUILDINGr AND LOAN ASSOC
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00Jg I Q tC tC Q r* O Qi O C*§ !i
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CO-OPORATINB BUILDING AND LOAN ASSO
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en 01 to o o«Largest.Smallest.S§2
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ocnLargest.Smallest,2 ^SoOco cocoTo
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1Corpo]CO-OPERA.TIVB BUILDING AND L
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||SS— QDO -1WOiS3I—I *-*CO -
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1CO-OPEBATIVB BUILDING AND LOAN ASS
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i1 peribiCO-OPERATIVE BUILDING AND
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OIBee number.2a.33Cu7oBI!1I2f I| 3O
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o•d5*If89? *td3mo >•£ If §9Of
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Page 459 and 460: OO-OPERATIVE BUILDING- AND LOAN ASS
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Page 511 and 512: BUILDING AND LOAN ASSOCIATION LAWS,
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