- liği & 83. | ſ | ; : B 533, Vºisi (, —i.e. . . " THE UNITED STATES POSTAL SAVINGs SYSTEM ExCERPTS FROM THE REPORT OF THE THIRD ASSISTANT POSTMASTER GENERAL TO THE POSTMASTER GENERAL FOR THE YEAR ENDED JUNE 30 1916 WASHINGTON GOVERNMENT PRINTING OFFICE \,. 1916 ... " tº . . * * _{ºſt. 2: • In #ºy ºf T A151 & 833 : §§ 3-, **: *§ts* sº Post OFFICE DEPARTMENT, OFFICE THIRD AsstSTANT POSTMASTER GENERAL, Washington, D. C., September 30, 1916. SIR: I have the honor to submit the following report on the opera- tions of this bureau for the fiscal year ended June 30, 1916. - :: :: :: >'s :}; >< :: THE POSTAL SAVINGS SYSTEMI. INCREASE IN THE AMOUNT THAT MAY BE ACCEPTED FROM A POSTAL- . SAVINGS DEPOSITOR. The act of Congress of May 18, 1916, amending the original postal- savings act of June 25, 1910, marked the beginning of a new era in the history of the postal savings service. Under the original law no one was permitted to deposit more than $100 in any one calendar month or have a balance to his credit of more than $500. These limitations greatly retarded the growth of the system and restricted the scope .# its usefulness, it having been estimated that as much money was refused at the post offices because of the limitations as was accepted. By the terms of the amendment a person may now deposit any number of dollars, and at any time, until the balance to his credit amounts to $1,000. The effect of the liberalizing legislation was an immediate and pronounced increase in postal-savings deposits. As the advantages of the new law become known the accumulated hidden savings of the country flow to the postal banks and are there restored to the circulating medium. t GROWTH OF THE SYSTEMI. On June 30, 1916, at the close of the fiscal year, postal-savings deposits amounted to $86,019,885, standing to the credit of 602,937 depositors, an average of $142.67 for each depositor. Compared with the returns for the service at the close of the previous fiscal year there was a gain of $20,335,177 in the amount on deposit, 77,523 in the number of depositors, and $17.65 in the average for each depositor. - - he growth of the system and a summary of transactions from the date of its inauguration on January 3, 1911, to the close of the fiscal year ended June 30, 1916, by months, is shown in Table 2, page 10 of this report. - FINANCIAL CONDITION. Following is the balance sheet of the system showing its financial condition on June 30, 1915, and June 30, 1916, the relation of interest- earning resources to interest-bearing liabilities, and the manner in which funds to meet liabilities to depositors are held. To facilitate comparison the increase or decrease in each item for the year also is given. - - 3 4 TEIE UNITED STATES POSTAL SAVINGS SYSTEM. Balance sheet showing comparatively the resources and liabilities of the Postal Savings System on June 30, 1915, and June 30, 1916, the increase or decrease in each item during the period reported, and related data. Items. Balance June 30, 1915. Increase during year. Decrease during year. |Balance June 30, 1916. RESOURCES. Cash working balances, interest earn- IIlg. g: Depository banks—Funds on de- posit to the credit of the board of trustees-------------------------- Investments, interest earning: Treasurer of the United States— Postal-Savings bonds purchased by the board of trustees and lodged with the Treasurer. . . . . . . . Cash working balances, noninterest earnlng: Postmasters—Undeposited funds, including balances due from and to late postmasters.------........ Treasurer of the United States— Funds deposited with the Treasurer, returnable to de- pository offices and banks.... Funds withdrawn for the pay- ment of late postmasters’ bal- Funds withdrawn for the pur- chase of postal-savings bonds for depositors----------------- Secretary of the Treasury—Interest on investments in postal-savings bonds, computed to June 30 and payable July 1------------------- Depository banks—Interest on de- posits, computed to June 30 and payable July 1------------------- Cash reserve balances, noninterest earn- Ing: Treasurer of the United States— IFunds withdrawn for a cash re- Funds (counted as part of the reserve) of States and Terri- tories in which no banks are now willing to receive postal- savings deposits..... * = * * * * * * * * Total resources............. LIABILITIES. Demand liabilities, interest bearing: Depositors—Outstanding postal- savings Certificates. . . . . . . . . . . . . . . Demand liabilities, noninterest bear- ing: Depositors— Outstanding savings cards and Stamps------------- * - - - - - - - - - Matured interest due on out- | standing postal-savings cer- tificates---------------------- Matured interest not claimed on certificates paid. . . . . . . . . . . Postal Service—Balance due for net interest and profits...... --------- Earnings held subject. to monthly charges for matured interest and losses, and pending periodical settle- ments with Postal Service for net in- terest and profits.-------------------. Total liabilities....... . . . . . . . . $60,042,033.56 $20,679,949.05 $80,721,982.61 954,040.00 604,460.00 |................ 1,558,500.00 147,364. 10 272,254. 59 . . . -------------. 419,618.69 829,744.63 |................ $665,485.00 164,259.63 1. 14 .00 ---------------- 1. 20 840,630.00 ||---------------- 839,580.00 1,050.00 11,925.50 7,555.75 ---------------- 19,481.25 736,426.24 194,065.81 |---------------- 930,492.05 3, 158,623.83 553,763.08 - - - - - - - - - - - - - - - - 3,712,386.91 35,815.73 27, 198. 20 ---------------- 63,013.93 66,756,604.73 22,339,246.54 1,505,065.00 | 87,590,786. 27 65,684,708.00 20,335, 177.00 |................ 86,019,885.00 56,206. 10 12,339.50 ---------------- 68,545.60 525,522.60 363,829.42 |-...------------ 889,352.02 1,004.02 325-26 ---------------- 1,329.28 12,294.40 |.............. & 8, 117. 51 4, 176.89 476,869. 61 130,627.87 ---------------- 607,497.48 66,756,604.73 || 20,842,299.05 8, 117. 51 | 87,590,786. 27 TEIE UNITED STATES POSTAL SAVINGS SYSTEMI. 5. Balance sheet showing comparatively the resources and liabilities of the Postal Savings System on June 30, 1915, and June 30, 1916, the increase or decrease in each item. during the period reported, and related data—Continued. Items Balance June Increase Decrease Balance June - g 30, 1915. during year. during year. 30, 1916. Excess of interest-bearing liabilities - Over interest-earning resources... . . . . . ! $3,823, 134.44 |- - - - - - - - - - - - - - - - $990,432.05 || 1 $2,832,702. 39 Manner in which funds to meet liabili- ties to depositors are held. Per cent. Per cent. Per cent. Per cent. Cash working balances... . . . . . . . . . . - 93. 74 0.13 ---------------- 93.8 Cash reserve balances.............. 4.82 ---------------- 0.48 4. 34 Investments in bonds. . . . . . . . . . . . . . 1.44 35 |---------------- - 1. 79 1 The value of certificates surrendered for bonds to be issued July 1, 1915, and July 1, 1916. $865,500 and $906,700, respectively, has been deducted, the interest liability on these certificates having terminated on June 30. Matured interest on bank deposits, amc unting on June 30, 1915, and June 30, 1916, to $736,426.24 and $930,492.05, respectively, is carried as noninterest-earning resources and serves to increase the excess of interest-bearing liabilities. These items become interest-bearing on July 1, when they are credited by the banks to the balance then standing to the credit of the board of trustees. IXEPOSITORY POST OFFICES. On June 30, 1916, postal-savings facilities were available at 7,701 post offices designated as postal-savings depositories, of which 6,847 were of the presidential grade and 854 of the fourth class. The service also was available at 720 branches and stations, making a total of 8,421 depositories in operation on that date. - Difficulties attending the transfer of funds having been satisfacto- rily solved, the service was extended to Alaska in April, 1916, and made available at eight post offices, namely, Juneau, Fairbanks, Douglas, Ketchikan, Petersburg, Skagway, Treadwell, and Wrangell. The number and class of post offices designated as postal-savings depositories in operation on June 30, 1916, by States, is shown in Table 3, page 12, of this report. BANKS QUALIFIED TO RECEIVE DEPOSITS OF POSTAL-SAVINGS FUNDS. On June 30, 1916, 5,634 banks were qualified to receive deposits of postal-savings funds, including 3,547 national banks, 1,257 State banks, 262 savings banks, 547 trust companies, and 21 “organized” private banks. The act of May 18, 1916, increasing the amount that may be accepted from a postal-savings depositor, also modified spe- cifically the provision in the Federal reserve act of December 23, 1913, which prohibited the deposit of postal-savings funds in any bank not belonging to the Federal reserve system. As the matter now stands member banks of the Federal reserve system in the city, town, village, or locality where the postal-savings deposits are made are given preference, but if no member banks exist, or existing fail to qualify to receive the deposits, then other banks otherwise eligible may qualify and receive them. In the original postal-savings act of June 25, 1910, authority was given the board of trustees to withdraw not exceeding 30 per cent of postal-savings deposits for investment in bonds or other securities of the United States. The act of May 18, 1916, annuls this authority and in lieu thereof provides that if at any time the postal-savings deposits in any State or Territory shall exceed the amount which the qualified banks therein are willing to receive under the terms of .* 6 THE UNITED STATES POSTAL SAVINGS SYSTEM. the act, and the excess is not required to make up the 5 per cent reserve fund, all or any part of the excess may be invested in bonds or other securities of the United States. & The number and class of banking institutions qualified as deposi- tories for postal-savings funds on June 30, 1916, by States, is shown in Table 4, page 13 of this report. POSTAL-SAVINGS DEPOSITS IN THE SEVERAL STATES. The amount to the credit of depositors at the beginning of the fiscal year 1916, the deposits and withdrawals during the year, and the amount to the credit of depositors and on deposit in banks at the end of the year, by States, is shown in Table 5, page 14 of this report. POST OFFICES HAVING LARGE DEPOSITS. A study of statistics on the postal-savings business of post offices having large deposits is interesting. Approximately two-thirds of the total postal-savings deposits on June 30, 1916, were held at the 78 offices having $100,000 and over on deposit. The number of depositors, the amount on deposit, and the average principal per depositor at these offices on June 30, 1915, and June 30, 1916, is shown in Table 6, page 15 of this report. The increase in deposits during the year at a number of these offices was phenomenal. At Uniontown, Pa., the deposits increased 337 per cent; at Waterbury, Conn., 270 per cent; at Bridgeport, Conn., 132 per cent; at Wilmington, Del., 122 per cent; at Pueblo, Colo., 109 per cent. Nineteen other offices showed gains ranging from 60 to 97 per cent. SAVINGS CARDS AND STAMPS. The sale of 10-cent postal-savings cards and stamps to the public continues to afford a convenient means to save small amounts of money systematically. The Service is especially adapted to the needs of school children. Since the system has been in existence savings cards and stamps to the value of $821,582.60 have been sold and $753,037 cashed or converted into interest-bearing deposits. Cards and stamps to the value of $181,172.50 were sold in the fiscal year 1916 and $168,833 cashed or converted. The value of the out- standing cards and stamps at the close of the year was $68,545.60. POSTAL-SAVINGS BONDS. Under a privilege accorded by the postal-savings act a depositor may exchange his deposits in amounts of $20 and multiples thereof for 2% per cent United States postal-savings registered or coupon bonds. Deposits so exchanged are not counted as a part of the maximum of $1,000 which a depositor may now have to his credit. Bonds of this kind were issued during the year to the amount of $1,844,700, of which $1,694,280 were in the registered form and $150,420 were coupon bonds. Altogether $7,954,640 in registered and $1,197,160 in coupon bonds have been issued since the system has been in existence, a total of $9,151,800. A noteworthy fact is that approximately 86 per cent of the bonds were, on request, issued in TEIE UNITED STATES POSTAL SAVINGS SYSTEMI. 7 the registered form, indicating they were purchased for permanent investment. * The board of trustees is empowered to invest postal-savings funds in these bonds, and they are purchased at par on the application of any holder. Bonds to the value of $604,460 were purchased during the fiscal year 1916, the total amount fººd in them being $1,558,500. - - The various issues of bonds from the time the system began oper- ations to July 1, 1916, is shown in Table 7, page 16 of this report. INTEREST AND PROFITs COWERED INTO POSTAL REVENUES. In accordance with a requirement of the postal-savings act interest and profit accruing from the deposit or investment of postal-savings funds are first applied to the payment of interest due to depositors and the excess thereof, if any, is covered into the Treasury of the United States as a part of the postal revenue. Up to the close of the fiscal year 1916 there has been paid into the Treasury $2,132,912.08 from this source. - PAYMENT OF BALANCES TO THE CREDIT OF DECEASED DEPOSITORs. Provision is made in the regulations of the Postal Savings System. for the payment of balances standing to the credit of deceased de- positors, and those who have been adjudged to be mentally incom- petent, to the executor, administrator, or other legal representative of the estate of the depositor. When the amount on deposit is small, payment without administration is made to the person or persons who, under the laws of the domicile of the decedent, would be entitled to receive it if administration were had. During the fiscal year just closed 2,102 claims have been paid under these regulations, aggre- gating $331,152.38. Since the system was established claims aggre- gating 6,234 in number and $880,816.50 in amount have been paid. Of the claims adjusted during the year 24 related to the accounts of deceased depositors of foreign birth who were survived by heirs residing abroad. In 14 cases payment was made direct to the heirs by the use of international money orders; in the remaining 10 cases payment was made in this country, on behalf of the heirs, to the con- sular representatives of the countries of which the depositors were subjects. Many difficulties heretofore encountered in effecting pay- ment abroad to the heirs of foreign-born depositors were eliminated upon the rendering of a decision by the Comptroller of the Treasury on April 12, 1916, making it possible to effect payment in such cases to the consular officers in the {j States having jurisdiction, by virtue of their exeguatures, over the estate of the deceased depositors hold- ing these accounts. EFFORTS TO REACH FOREIGN-BORN POPULATION BY CIRCULARS IN MOTEIER, TON GUES. - According to the census of 1910 there were 13,515,886 persons in the United States of foreign birth. Efforts are being made to reach these people with circulars of information about the Postal Savings System in their mother tongues. Circulars in English, Bohemian, 8 TEIE UNITED STATES POSTAL SAVINGS SYSTEMI. Bulgarian, Chinese, Croatian, Danish-Norwegian, Finnish, French, German, Greek, Hungarian-Magyar, Italian, Japanese, Lithuanian, Polish, Portuguese, Russian, Ruthenian, Serbian, Slovak, Slovenian, - Spanish, Swedish, and Yiddish already have been produced and widely distributed. Other languages will be covered as the need is apparent. The foreign-born population whom the circulars already produced are designed to reach comprise approximately 97 per cent of the entire foreign-born population of the United States. The opportunity to learn of the conditions under which they may safely keep their money is helpful to those who have difficulty with or are ignorant of the English language, and the giving of information about the Postal Savings System in their mother tongue has been the means of adding many of our foreign-born residents to the roll of depositors. s: 3: :: >}: :* :le :: * Very respectfully, ry resp y A. M. DOCKERY, t Third Assistant Postmaster General. Hon. ALBERT S. BURLESON, Postmaster General. APPENDIX. Table 2.-Statement showing the growth of the Postal Savings System and a summary of transactions since the time it went into operation, by months. . Table 3.—Statement showing number and class of post offices designated as postal-savings depositories in operation on June 30, 1916, by States. . . . . . . . . Table 4.—Statement showing number and class of banking institutions qualified as depositories for postal savings funds on June 30, 1916, by States......... Table 5–Statement showing balances to credit of postal-savings depositors on June 30, 1915, deposits and withdrawals during fiscal year, and balances to the credit of depositors and on deposit in banks June 30, 1916, by States. . . Table 6.—Statement showing number of depositors, amounts on deposit, and average principal per depositor at the postal savings depository post offices having deposits of $100,000 and over June 30, 1916, and June 30, 1915....... Table 7.-Statement showing various issues of postal-savings bonds from the time the system began operations to July 1, 1916- - - - - - - - - - - - - - - - - - - - - - - - - - Page, 10 12 13 14 15 16 THE UNITED STATES. 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[III]]{{#¡ ģērģēģ‘ģīī ſī£8|| 59 ºgſgºggs | 00:01, ſºțIs | õ8-199°818 | 1,9-zŘIS | 186 ºz09 || || ? || z09°188‘8$| 00:988‘610°98$ | 00 ‘608‘g8ſ ºgs| 00 ‘II8‘ZI8 6$| Izºº8 | 022IOL ‘L |* * * * * * * 9.16I ‘ºunt *ųquotII JOºffſ·“Jo!‘QUI00**S0ĮIO!§§ „ºsſuaq |ºȘºſº####|p9qIQADIO0|pI0S-Țsođap | sroņpsođ | ±± | 'ººººººW | ſsionſsođøpºsſe AABIÙ|-£;ptă， ș3 | $90000|- tň ſõāĞp | -Puººsino | jõºpõūsøg10d ſed | -9p JOJo qĮp0JO ,-Uſſ!!AA°S!!!SOdøOI-UĻOUBIĶI*ųQUIOJN uo 00u eſeg#####J0CĻUun NĮ04 00ūBIBRI5 { - -9ă010AV|- *sduugąs pūlē Spīgo sºuļABS'øseºiou I‘uoſqelºdo ūI- 'sqņwoulfiq‘woņņuºdo oqwſ qwººm 1% ºwy, 9ſqq. 90'wņs swoņ008 wuuq fo filowºwns o pºwo wºņsfiS s6u\ºvo.S 104soºſ ºſ ſo qņamouſ)—“Z ĢITĀVJ, 11 THE UNITED STATES POSTAL SAVINGS SYSTEM. 4 Syſo0q ,SYługq &q UIAAOUIS S8 e 18 S90 UB|8g z ºspuoq. 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Į08'8%. įgſ ſø08. izzi's， 6°09 r—t r- CN cQ CN tº --------|-------- 22 District of Columbia. . . . . . . . ... 1 ----------|--------|---------- l 1 -7 9 Florida----------------------... 5 30 38 9 . 82 1 2 85 Georgia.------------------------ ... 8 33 47 3 91 ----------|-------- 91 Hawaii------------------------- *1 2 7 ---------- 10 ----------|-------- 10 Idaho-------------------------. 2 22 46 14 84 ----------|-------- 84 Illinois------------------------- 32 126 230 48 436 1. 49 486 Indiana------------------------ 23 70 138 54 285 2 5 292 IoWa--------------------------- 18 80 139 26 263 ----------- 5 268 Ransas------------------------- 11 61 170 51 293 | . 1 4 298 Kentucky----------- - - - - - - - - - - - 7 27 66 33 133 1 6 140 Louisiana---------------------- 6 19 40 11 76 ---------- 3 79 *ine-------------------------- 7 28 72 2 109 1 3 113 Maryland.---------------------. 3 15 25 4 47 7 9 63 Massachusetts------------...... 26 73 96 2 197 59 40. 296 Michigan----------------------- 22 75 173 50 320 4 15 339 Minnesota-------------------... 8 61 145 36 250 |---------- 15 265 Mississippi------------------... 4 23 65. 5 97 ----------|-------- 97 Missouri-----------------------. 10 49 160 57 276 6 47 329 Montana----------------------- 6 15 54 10 85 ----------|-------- 85 Nebraska---------------------- 6 34 148 20 208 1 7 216 Nevada-----------------------. 1 6 16 4 27 ----------|-------- 27 New Hampshire............... 5 19 43 ---------- 67 ---------- 3. 70 New Jersey------------........ 25 56 90 2 173 19 8 200 New Mexico.---................ 1 13 29 4 47 ----------|-------- 47 New York---------............ 53 168 289 16 526 11 95 632 North Carolina................. 8 31 40 3 82 |---------- 1 83 North Dakota.................. 4 14 65 13 96 |----------|-------- 96 i0--------------------------- • 37 96 195 58 386 7 54 447 Oklahoma---------------------- 7 46 121 23 197 ---------- 3 200 Oregon------------------------- 3 24 77 20 124 |---------- 10 134 Pennsyl ania. -------------...-- 41 171 248 30 490 20 56 566 Porto Rico..................... 1 3 12 28 44 |----------|-------- 44 Rhode Island.................. 4 5 15 1 25 7 9 41 South Carolina................. 4 18 11 2 35 ----------|-------- 35 South Dakota.................. 4 16 77 17 114 ----------|-------- 114 Tennessee---------------------- 5 27 42 8 82 4 9 95 Texas-------------------------- 17 91 207 39 354 l 2 357 Utah--------------------------- 2 4 25. I 32 l 2 35 Vermont--------------------... 4 24 26 2 56 ----------|-------- 56 Virginia-----------------------. 10 32 50 | 14 106 ---------- * 5 111 Washington.----------......... 8 30 91 24 153 Y 1 11 165 West Virginia.................. 7 - 23 41 6 77 2 -------- 79 Wisconsin-------............... 19 69 150 35 273 1 10 284 Wyoming---------------------- 1 8 20. 33 ------------------ 33 Total.--------------------- 531 2,064 4,252 854 || 7,701 176 544 8,421 THE UNITED STATES POSTAL SAVINGS SYSTEM. 13 TABLE 4.—Number and class of banking institutions qualified as depositories for postal- Savings funds on June 30, 1916, by States. - - - Trust “9;ºn- State Total |National || State, Savings | . ized'. - banks. banks. Ibanks.1 banks. - rivate - panies. banks Alabama------------------------------------------ 29 16 9 1 3 -------- Alaska-------------------------------------------- 3 |---------- 3 -------------------------- Arizona------------------------------------------- 20 9 7 ---------- 4 -------- Arkansas------------------------------------------ 30 30 --------|----------|--------|-------- California----------------------------------------. 247 142 75 22 8|-------- Colorado------------------------------------------ 107 74 22 2 9 -------- Connecticut--------------------------------------- 52 33 1 ---------- 18|-------- Delaware-----------------------------------------. 15 9 --------|---------- 6 -------- District of Columbia---------..................... 13 7 i 2 3 |-------- *lorida-------------------------------------------. 50 28 19 1 2 -------- Georgia.------------------------------------------- 48 32 11 3 2 -------- Hawaii-------------------------------------------- 5 1 * ------------------|-------- 1daho--------------------------------------------- 46 33 11 1 1 -------- Illinois-------------------------------------------- 455 240 144 12 59 l-------- Indiana------------------------------------------- 293 156 75 1 40 21 Towa---------------------------------------------- 165 103 19 38 5 |-------- Kansas-------------------------------------------- 203 118 82 1 2 -------- Kentucky----------------------------------------. 57 47 7 ------- --- 3 -------- Louisiana----------------------------------------- 40 17 13 3 7 -------- Maine--------------------------------- ------------ 56 35 1 1 19 -------- *aryland----------------------------------------- 46 35 5 1 5 |-------- Massachusetts------------------------------------- 131 102 --------|---------- 29 |-------- *ichigan------------------------------------------ 220 88 64 68 ---------------- Minnesota----------------------------------------- 194 115 78 ---------- 1 -------- Mississippi---------------------------------------. 18 18 --------|----------|--------|-------- Missouri.------------------------------------------ 165 65 84 3 13 -------- Montana------------------------------------------ 62 37 20 ---------- 5 -------- Wehraska----------------------------------------- 88 69 18 1 --------|-------- Nevada.---------------.... '- - - - - - - - - - - - - - - - - - - - - - - - 17 8 9 ----------|--------|-------- New Hampshire............... '• • - - - - - - - - - - - - - - - - - 42 36 l 2 3 |-------- New Jersey.-------------------------------------- 176 125 7 l 43 |-------- New Mexico.-------------------------------------- 19 14 3 ---------- 2 -------- Wew York---------------------------------------- 365 255 61 ---------- 49 |-------- North Carolina---------------------------------... 32 21 8 |---------- 3 |-------- North Dakota.-----------------------------------. 46 36 9 1 --------|-------- 9hio---------------------------------------------- 451 242 92 74 43 |-------- Oklahoma----------------------------------------- 78 69 9 ----------|--------|-------- Oregon-------------------------------------------- 108 67 35 3 | 3 |-------- Pennsylvania.------------------------------------ 652 485 39 10 118 -------- Porto Rico.--------------------------------------- 1 ---------- 1 ------------------|-------- Rhode Island------------------------------------. 19 7 --------|---------- 12 -------- South Carolina.----------------------------------. 14 9 3 2 --------|-------- South Dakota.------------------------------------ 44 37 7 i----------|--------|-------- Tennessee------------------------------------..... 37 36 1 ----------|--------|-------- Texas--------------------------------------------- 125 107 13 ---------- 5 -------- 9tah---------------------------------------------- 20 12 3 2 3 -------- Vermont-----------------------------------------. 25 21 --------|---------- 4 -------- Virginia------------------------------------------- 85 60 21 1 3 |-------- Washington.-------------------------------------. 143 58 75 1. 9 -------- West Virginia------------------------------------. 61 45 13 ---------- 3 |-------- Wisconsin----------------------------------------- 189 118 67 4 --------|-------- yoming----------------------------------------. 27 20 7 -------------------------- Total.---------------------------------------. 5,634 3, 547 | 1,257 262 547 21 1 Territorial banks of Alaska, Hawaii, and Porto Rico listed as “State banks. ’’ THE UNITED STATES POSTAL SAVINGS SYSTEM. TABLE 5.—Balances to credit of postal-savings depositors on June 30, 1915, deposits and withdrawals during fiscal year, and balances to the credit in banks June 30, 1916, by States. of depositors and on deposit Balance to e Balance to - credit of Deposits wº, credit of º: # State. depositors during fis- * depositors poS June 30, cal year. º June 30, bºº . 1915. year. 1916. • ? -- ~~~ United States.-------...--...------- $65,684,708 ($76,775,868 |$56,440,691 |$86,019,885 |$80,775,586.36 Alabama. ------------------------------- 169,581 212,659 160,067 222, 173 220, 137.30 Alaska”---------------------------------|------------ 38,492 , 512 35,980 16, 173.00 Arizona---------------------------------- 391,908 || 692,953 479,226 605,635 594,831.84 či; g = * * * * * * * * * * * * * * * * * * * * sº sº º is e s s as e is 3 § § 3 # ; 3 #: 3 § 227,498. 21 alifornia-------------------------------- ,670, 54 * ,221,818 3,835, 3,631, 198.77 Colorado--------------------------------- i.363,353 i.33i,602 || i. 602.35 | i.º.º. jºi.6% º * * * * * * * * * * * * * * * * * * * * * * * * * *---| 1, 1. # 2, ; º: 1, ; § 1, ; § 1,918,408.89 ela Waſe - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 3. • 172, 172,250.85 District of Columbia... -----------------. 333, its 237,483 || 337,355 373.335 | 335.3%. Oj Florida.---------------------------------- 306,068 402,174 344,319 363,923 || 360,713. 19 §:::::::::::::::::::::::::::::::::: º;| ##| ##| |###| |##; * * * * * * * * * * * * * * * * * * * * * * * * * * * * e = * * * * 3 J.UC y y y lºw- ; Z ſo. Idaho----------------------------------- 365,314 || 327,489 || 312,294 || 380, 509 || 382,750.84 Jllinois.---------------------------------- 4,333,314 || 4,528,680 i 3,463,250 5,351,344 5,532,235.7; Hºnº:::::::::::::::::::::::::::::::: *##| *;| #; º; lº; s = e, e s as a sº * * * * * * * * * * * * * * * * * * * * * * * * * * * * •19, y 3. y , (Ol. Kansas---------------------------------- 704, 865 465,360 429,300 740,925 | 727,010.82 #.;............................... #. ; § ; º § § 423:376.i.4 ouisiana------------------------------- 77, 4 ſ, y y 269,464. 51 Maine----------------------------------- 262,599 || 250,826 219,261 294, 164 293,109.96 Maryland.------------------------------. iſºft 133, iſi iii.6% Tiº ičíð Massachusetts--------------------------- 3,004,406 || 3,608,587 || 2,617,805 || 3,995,188 3,834,511.21 Michigan-------------------------------- 2,241,472 3,413,453 || 2,454,778 3,200, 147 || 3,046,208.41 Minnesota. ----------------- - - - - - - - - - - - - - 1,744, 145 | 1,522,558 1,315,574 |, 1,951, 129 1,886,459. 17 Mississippi------------------ * * * * * * * * * * * * * 160,585 89, 107 | 109,377 140,315 139,107.52 #; • * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * = 1, §: § }. ; § 1, § ; 2, ; ; 1,974,390.80 Ontana- - - - - - - - - - - - - - - - - - - - - - - - - - is sº e º sº sº as * , 1,306, 24 1,230,744. 28 Nº::::::::::::::::::::::::::::::: ; '; º ; ; º; '414,386.76 N6Vada- - - - - - - - - - - - - - - - - - - - - - - - - .* * * * * * * * * 4 442, 55 , 4 439, 5 421,056. 79 New Hampshire--------------........... 365,535 | 333, iž 355,655 4%. 65% ſºčiššč New Jersey------------------------------ 1,974,744 2,577,240 | 1,745,519 2,806,465 2,758,771.98 New Mexico.----------------------------. 83,6 140,962 112,973 111,594 | 109,663.97 N 㺠* * * * * * * * * * * * * * * * * sº s sº sº e º sº sº sº ºn a s - 19.5% #6 *:::::: 17, 4; ; 27, % # 24,744,056.52 Orth Carolina - - - - - - - - - - - - - - -> * * * * * * * * * * * y 5, 6 4, 45,747: 45,472.63 North Dakota.--------------------------- 36, 809 47, 259 || 43,285 40, 783 || 40,881. 12 Ohio---------- --------------------------- 4,419,336 || 4,485,716 || 3,432,137 5,476,855 || 5,187, iſo.13 3. *::::::::::::::::::::::::::::::: 1:#| 1:##| 1:#| 1:##| 1.3; TegOIl- - - - -.- - - - - - - - - - - - - - - - - - - - - - - - - - - - - 493,93; * 1, 557 1,499,854. 07 Pennsylvania------- * * * * * * * * * * * * * * * * * * ... i. iść 6. iśći | 3,433,3ii 7, iółºś 6.30ſ, isi. #4 #º::::::::::::::::: ##| #| ##| #; ,000.00 OClel Slarld-- - - - - - - - - - - - - - - - - - - - - - - - - - - 40, 171 775 7 5,91 782, 177.89 ś:::::::::::::::::::::::::: #. ; ; ; § # 36,181.45 OUIUIl. Ola- - - - - - - - - - - - - - - - - - - - - - - - - - - 7 7, 3 4 5, 15 73,972.49 Tennessee. -----------------------------. 264.31% 2íščič 231,523 261,334 || 253,573. Ai º:::::::::::::::::::::::::::::::::: #| ##| ##| ##| ##% is a tº sº * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * y g f2. Wºº...::::::::::::::::::::::: º ; 30, #| ## sº º; §7,644.46 810:18-- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 58,01 481, 77, 62, 85 362,076.46 Washington:---------------------------- 1,3,3,3} | 1,7; 1,é; 2,ji: 2,éº West Virginia.--------------------------- 83, 59,998 || 191,302 || 252,279 249.985.57 Wisconsin------------------------------- 1,399,143 | 1,372,675 960,245 1,811,573 1,766, 183. 19 Wyoming------------------------------- 37,045 | 162,199 || 131,019 | 168,225 | 168,350.96 1 Balances are as shown by banks’ books. The actual balances to credit of board of trustees was $80,721,982.61. The difference is made up as follows: Add funds in transit to banks, $3,975.60; due from late qualified banks. $0.46; deduct outstanding checks, and drafts, $57,579.81. * No post offices designated as depositories until April, 1916. <--------~~~" THE UNIT] ERSITY OF MICHIGAN 1 º TABLE 6.-Number of depost... -, -..… v., we pysvo, wrva average principal per depositor TUNIV ñi ANTS, ||||||Ill as is 3 go1507784 0877 at the postal-savings depository post offices having deposits of $100,000 and over, June 30, 1916, and June 30, 1915. T- Number of Balance to the credit Averageprincipal Rank. depositors, of depositors. per # Office. 1916 || 1915 1916 1915 1916 1915 1916 1915 I ev Yor , .N. Y. -- - - - - - - - - - - - - - - 1 1 |135,116 |108,274 $18,667,364 $13,154,695 $138 $121 7 roo lyn, N. Y. - - - - - - - - - - - - - - - - - 2 2 || 48,202 || 38,024 5,759, 610 || 4,012,252 119 | . 106 Chicago, Ill....------------------- 3 3, 23,806 22, 524 3,909,054 3,267,532 164 145 Boston, Mass... . . . - - - - - - - - - - - - - - - 4 4 || 17,049 || 15,351 2,061,259 1,619,705 121 106 Detroit, Mich. . . . . . . . . . . . . . . . . . . . 5 5 || 11,673 || 8,338 1,863, 162 | 1,158,023 160 139 Pittsburgh, Pa. -- - - - - - - - - - - - - - - - - 6 8 7,429 || 4,536 1,378,383 777, 548 186 171 San Francisco, Cal. . . . . . . . . . . . . . . 7 6 7,091 || 7,794 | 1,093,233 | 1,082,257 154 139 Portland, Oreg. . . . . . . . . . . . . . . . . . . 8 7 || 7,023 7,231 | 1,061,078 | 1,004, 599 151 139 Philadelphia, Pa. . . . . . . . . . . . . . . . . 9 11 || 11,228 || 8,660 990, 726 704,466 88 81 . Milwaukee, Wis. . . . . . . . . . . . . . . . . . 10 15 5,074 || 4,282 912,451 660,634 180 154 St. Louis, MO-------------------- 11 14 5, 681 4,852 871,076 671, 159 153 138 Butte, Mont--------------------- 12 18 || 3,689 || 2,617 836,792 496,297 227 190 Cleveland, Ohio. . . . . . . . . . . . . . . . . . 13 |. 17 | 5,228 4, 222 832, 194 575, 799 159 136 Cincinnati, Ohio. . . . . . . . . . . . . . . . . 14 9 || 5,566 5,646 800, 717 757,380 144 134 Kansas City, Mo.......... ------. 15 13 || 4,877 || 4,823 787,163 691,441 161 143 St. Paul, Minn. . . . . . . . . . . . . . . . . . . 16 10 || 4,692 5,003 758, 110 732,506 162 146 Los Angeles, Cal----------------- 17 12 4,090 || 4,392 717, 154 700,737 175 || 160 Newar , . . J. ------------------- 18 20 5,568 4,434 709, 126 484,889 127 109 Columbus, Ohio... . . . . . . . . . . . . . . . 19 16 || 4, 173 || 4, 153 653,620 588, 444 157 142 Toledo, Ohio. . . . . . . . . . . . . . . . . . . . . 20 23 3,308 2,459 625,056 360,253 189 147 Denver, Colo. . . . . . . . . . . . . . . . . . . . . 21 19 3,093 || 3,405 || 487,895 489,306 158 144 Buffalo, . . Y. . . . . . . . . . . . . . ------ 22 29 3,922 || 2,942 487,081 269,089 124 91 Tacoma, Wash. . . . . . . . . . . . . . . . . . . 23 22 || 2,428 2,381 445, 145 391,448 183 164 Seattle, Wash. . . . . . . . . . . . . . . . . . . . 24 21 2,638 || 2,687 422,335 401, 117 160 149 Providence, R. I. . . . . . . . . . . . . . . . . 25 26 || 4,339 || 3,296 411,889 279,464 95 85 Bridgeport, Conn. . . . . . . . . . . . . . . . 26 38 || 3,264 1,550 392, 840 169,015 120 109 Washington, D.C.. . . . . . . . . . . . . . . 27 24 2,723 2,691 373,386 323, 148 137 120 Minneapolis, Minn. . . . . . . . . . . . . . . 28 25 2, 137 2, 102 354,801 306,080 166 146 Jersey City, N. J. - - - - - - - - - - - - - - - - 29 33 2,297 | 1,641 327,778 204,097 143 124 Al Ton, Ohio. . . . . . . . . . . . ... ------ 30 31 | 1,660 | 1,290 315,451 215,341 190 167 Omaha, ... ebr. . . . . . . . . . . . . . . . . . . . 31 27 | 1,947 | 1,900 309, 290 275,064 159 145 Oakland, Cal.... . . . . . . . . . . . . . . . . . 32 28 1,803 | 1,913 276, 108 270,682 153 141 Louisville, Ky. . . . . . . . . . . . . . . . . . . 33 30 2,072 2,036 271,237 249,086 131 122 Leadville, Colo. . . . . . . . . . . . . . . . . . . 34 32 .1,232 | 1,084 270,010 204, 703 219 189 Pueblo, Colo. . . . . . . . . . . . . . . . . . . . . 35 47 | 1, 572 859 209,986 128,930 172 150 New Haven, Conn. . . . . . . . . . . . . . . 36 44 2, 171 1,477 268,282 147,613 12 | 100 Lowell, Mass....... . . . . . . . . . . . . . . . 37 41 1,326 1,011 247, 477 154, 329 187 153 Duluth, Minn. . . . . . . . . . . . . . . . . . . . 38 34 1,380 1, 211 243,275 191, 357 176 158 Ironwood, Mich. . . . . . . . . . . . . . . . . . 39 43 | 1,048 826 222, 291 147,885 212 179 Erie, Pa....---------------------- 4() 46 | 1, 276 967 197,686 131,067 155 136 San Diego, Cài................... 41 || 35 | 1, 146 | 1, 191 195,317 181, 170 170 152 Bisbee, Ariz...................... 42 59 791 565 193, 750 105,746 245 187 Kansas City, Kans. . . . . . . . . . . . . . . 43 37 1,074 | 1,067 190,947 174,392 178 163 Dallas, Tex---------------------- 44 36 1,672 | 1,588 189, 770 176,963 113 111 Gary, Ind. . . . . . . . . . . . . . . . . . . . . . . . 45 52 860 623 189, 512 112,991 220 181 Indianapolis, Ind. . . . . . . . . . . . . . . . 46 39 1,346 1,361 182,933 167,322 136 123 Dayton, Ohio. . . . . . . . . . . . . . . . ---. 47 42 1,338 1,247 180,021 149,848 135 120 New Orleans, La. . . . . . . . . . . . . . . . . 48 40 | 1,018 1,085 171, 105 160,951 168 148 Paterson, T. J . . . . . . . . . . . . . . . . . . . 49 55 | 1.056 770 168,860 110,469 160 143 McKees Rocks, Pa. . . . . . . . . . . . . . . 50 69 710 443 166,954 84, 612 235 191 Pawtuc et, R. I. . . . . . . . . . . . . . . . . 51 56 | 1, 157 876 161, 742 109, 547 140 125 Hartford, Conn..... . . . . . . . . . . . . . . 52 64 1,258 983 160, 840 97,912 128 100 Passaic, T. J.-----............... 53 62 978 70S 160,095 99,081 164 140 Wilmington, Del. . . . . . . . . . - - - - - - - 54 85 1,316 736 154,495 69, 611 117 95 Baltimore, Md. . . . . . . . . . . . . . . . . . . 55 48 || 1,018 998 150,518 128,820 148 129 Rochester, . . Y.... . . . . . . . . . . . . . . 56 53 | 1,048 1,001 147,886 112, 197 141 112 McKeesport, Pa.. . . . . . . . . . . . . . . . . 57 67 748 529 146,750 88,897 196 168 Long Island City, N. Y. . . . . . . . . . , 58 || 60 1,235 940 145,831 105, 583 118 112 Altoona, Pa................------ 59 | . 57 991 883 142, 506 107, 808 144 122 Fran lin, Pa..... . . . . . . . . . . . . . . . . 60 71 636 450 136,403 83, 539 214 186 Astoria, Oreg..................... 61 49 , 639 641 133,975 128,012 210 200 Memphis, Tenn. . . . . . . . . . . . . . . . . . 62 45 944 1,014 133,944 136,663 142 135 Lawrence, Mass.................. 63 63 724 133,320 98, 193 184 158 foslyn, Wash...I.I.I.I.I.I. 64 51 450 || 439 || 127, 261 113,373 || 283 258 San Antonio, Tex. . . . . . . . . . . . - - - - 65 78 933 687 126, 181 76,510 135 111 Superior, Wis. . . . . . . . . . . . . . . . . . . . 66 58 602 600 122, 453 106,276 203 177 Aberdeen, Wash. . . . . . . . . . . . . . . . . 67 54 567 549 122., 379 110,513 216 201 Anaconda, Mont. ................ 68 75 638 490 120, 195 79, 865 188 | . 163 Barberton, Ohio. . . . . . . . . . . . . . . . . 69 87 575 369 116,832 67,555 203 183 Spo ane, Wash. . . . . . . . . . . . ."- - - - - 70 61 836 720 116,665 105. 492 140 147 niontown, Pa. . . . . . . . . . . . . . . . . . 71 || 269 568 184 114,886 26,312 202 143 Canton, Ohio..................... 72 88 589 450 113. 199 66,823 192 148 Des Moines, Iowa. . . . . . . . . . . . . . . . 73 65 584 562 112, 525 95, 194 193 169 Hibbing, Minn. . . . . . . . . . . . . . . . . . . 74 81 452 371 109,000 72,606 241 196 Waterbury, Conn. . . . . . . . . . . . . . . . 75 237 735 256 108,847 29, 403 148 115 ROC ford, Ill. . . . . . . . . . . . . . . . . . . . . 76 79 559 460 104,742 75,294 187 164 Bellingham, Wash. . . . . . . . . . . . --- 77 50 698 819 101,562 115,451 146 141 Globe, Ariz. . . . . . . . . . . . . . . . . . . . . . 78 94 383 301 100,410 62. 490 262 208 008“Igſ ‘6 || 09.1%.6I ‘I |0}9%g6'1 |---------------|------------------------------------------ Ib1OJ, QQ1906 Q33.89 08: 888 |916II ÁInſ [............................................ 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