['HI-. GOLDEN GATE II wfRfiNCISCO THE FINANCIAL.COMMeRCIAL S INPOSTRIAL METROPOLIS OP THE P^IFItCO^ST OFFICIAL RECORDS. STATISTICS AND ENCYCLOPEDIA Compiled under the Direction of THE SAN FRANCISCO CHAMBER OF COMMERCE Information and Statistical Department Copyright 1915 BY THK H. S. CROCKER CO. San Francisco I- Nc.k \nw;s by Commercial Art Co. THE LIBRARY UNIVERSITY OF CALIFORNIA SANTA BARBARA CONTENTS I'M. I IVI'KODI CTION .. , , ,. . ... , . | By /• rank Murhm load, Historian I'. I'. I. I. HISTORICA1 ) I 11 SAN FRANCISCO THE FINANCIAL, COMMERCIAL WD INDUS- TRIAL METROPOLIS <»l THE PACIFIC COAST ,M REAL ESTATE \\l> REB1 [LDING OPERATIONS. By William \. Mage* MANUFACTURING l\ SAIN FRANCISCO. Bv Warren Maidev. Information „. and Statistical Department San Francisco Chamber of Convnera .. {35 J FREEDOM IN TRANSPORTATION FOR SAN FRANCISCO. By Seth \ln n a. [tlorney and Manager Traffic Bureau San Francisco Chamber of I THE CANAL 51 PAN-AMERICAN COMMERCE WD THE PW\\1\ CANAL WHAT THE! MEAN TO SAN FRANCISCO. By John BarrtU, Director-General Pan- American I nion «;<» SAN FRANCISCO'S FINANCES By \. 1. Mason, Bond Expert Board of Supervisors «; i MUNICIPAL O WNERSHIP l\ SAM FRANCISCO B I Rolph, Jr., Mayor of Sdn Francisco 86 THE PANAMA - PACIFIC INTERNATIONAL EXPOSITION Mil WORLD'S GREA l EST EXPOS! I ION ENCJ CLOPEDIC INFORM \ I l<>\ — \<;\Di;\n OF SCIEM IES 79 mini \ l I.D COLLEG1 - \l.(.\llt\/ ISLAND 79 Wi.KI. ISLAND ::< ASSESSED VALUES BAKER'S BEA< 1 1 79 BANKS WD TIN W< IE 79 CONTENTS — Continued ENCYCLOPEDIC INFORMATION Continued— page BOARD OF STATE HARBOR COMMISSIONERS 82 CALIFORNIA DEN ELOPMENT BOARD 8.5 CHINATOWN 85 CHURCHES AND RELIGIOUS SERVICES 87 cm 01 TDOORS 87 Cl\ IC CENTER 88 CLIFF HOUSE AND SEAL ROCKS 88 CL1 BS WD SOCIETIES 88 COMMERCIAL ORGANIZATIONS 91 Advertising Association of S;m Francisco; Hoard of Trade; Chamber of of Commerce; Down Town Association; Exchange Hall, Chamber of Commerce; Home Industry League; Merchants' Exchange; Real Estate Board; Rotary Club; Stock Exchange; Stock and Bond Exchange. COMPARISON OF PACIFIC COAST CITIES FOR 1914 93 ( !< >NSULS IN SAN FRANCISCO 94 ( '.( INVENTION CITY 94 ( '.< )SM( (POLITAN METROPOLIS 94 DISTANCES FROM SAN FRANCISCO 95 EDUCATIONAL FACILITIES 97 EDUCATIONAL INSTITUTIONS 98 EXPORTS AND IMPORTS TO AND FROM ALL COUNTRIES . 99 FEDERAL RESERVE BANK OF SAN FRANCISCO 100 FISHERMAN'S WHARF 101 FORT MASON AND TRANSPORT DOCKS 101 II R CENTER 101 GOLDEN GATE PARK 101 CO\T ISLAND 104 GREAT 1IIOIIW NY 104 HOSPITALS AND SAIN \T< )R I \ 104 HOTELS 105 ITALIAN Ql NRTER 108 LIBRARIES 108 LINCOLN PARK AND FORT MILEY 109 LONE MOUNTAIN Ill MARE ISLAND NAT} YARD ill MILLS COLLEGE ill Ml^l<>\ DOLORES HI MOM MENTS AND LANDMNRkS 113 MOI NT TAM VLPAIS \NI) Ml IR WOODS 115 1 .'.' CONTENTS — Continued ENCYCLOPEDIC INFORMATION Continued i""' 1 \]( SE1 M <»| ANTHROPOLOGY lls NOB MM. 1 1,,; NORTH BEACH lia POSTAL RECEIPTS. llfl PRESIDIO l|,; PRESIDIO l'\IU\\\ U n,i PRESS '"' PRODI CTION OF CALIFORN1 \ I < >l< 1913 1,s R ULROAD COMMISSION OF CALIFORN1 \ I '" RAILROADS IN \M> 01 T OF SAN FRANCISI I -" RECREATION LEAG1 E OF SAN FRANCISCO 1*1 RESTA1 RANTS, CAFES, GRILLS, CAFETERIAS i-'i Id SSI \\ HILL '- SAN FRANCISCO \H\lnin OF THE N \ I 'ION \L Gl \RD SAN FR VNCISCO BA1 s\N FRANCISCO ^S \ HOME CITI ' - ; SAN FRANCISCO INSTIT1 TE OF \HT SAN FRANCISCO'S SI Bl RBS l94 SAN FRANCISCO SYMPHONY ORCHESTRA '-'» SCHOOL CENS1 S ' l "' STATE MINING Bl REAU. . ' -'■"' STEAMSHIP LINES ' '"' SI TRO BATHS \M> Ml SE1 M ' - : -i rm> HEIGHTS lj: l ELEGR \NI HILL ' ' : THEATRES ' '' TWIN PEAKS n NNEL ' -' : i NITED STATES CO! RT HOUSE AND POST OFFICE BUILDING l -'' I NITED STATES < I STOM HOI SE ' -"' I NITED STATES MINT ' -"' i \i\ ERSITl OF CALIFORNIA \\ \TI.H SI PPL^ OF SAN FRANi [S< WESTERN IND1 STR1 \l. I ENTER Mil NG MEN'S < 1HRIST1 \n ^SSOCl \TH»\ YO\ NG MEN'S INST1 I I TE Mil \(, WOMEN'S CHRISTIAN USSO< IATION 134 134 1 (4 SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAS1 [NTROD1 CTION I^ORN a drowsy Spanish hamlet, fed on the intoxicants ol ^w a gold rush, developed by an adventurous commerce and " baronial agriculture, isolated throughout its turbulent history from the home lands of its diverse peoples and comp< lied to the outworking of its own ethical and social standards, San Francisco has evolved an individuality and ;i versatility beyond any other American city. It mellowed the Puritan ;in ollVr it seized upon and made part of its life. S;m Francisco is today peculiarly the cosmopolitan city. Because its social elements are still so near their equal sources, and opportunity still beckons everj man of talent, it is also the democratic city. And in spiritual freedom and forward impulse and the \ i\ i other city has such a setting. It occupies the tip of a peninsula about six and three- quarter miles across, almost surrounded by the Pacific 0c< an on the west. S;in Francisco Bay on the »;isi and northeast, and, along the north, the Golden Gate connecting the two, 'The l>;isin of San Francisco Bay is a magnificent amphitheater rimmed with hills thai rise here and there h> mountain stature. In the bosom of this amphitheater li< s the bay, a gleaming she* t • lotted with islands and shining sails, crisscrossed bj bus) ferry bouts, and ploughed l>\ stately ocean steamers or big square- riggers from "around the Horn." It is sixtj ti\< miles long, from four t«> ten miles in width; and into it the great rivers ol Cali- fornia, the Sacramento and the San Joaquin, discharge th< wat< r that t ; 1 1 1 s on the west slope <>t Ihe Sierra Nevada mountains and the east side of the Coast Range, and in the central vallej s< ction of the Shite. ;i region four hundred miles long and from ftftj t«» sixty miles across. 'The Golden Gate is Ihe outlet of this drainage area and the channel through which the tides ebb and tl<»w between the bay and the ocean. It is about two and three-quarter miles I<>uli. and one and one-eighth miles in width, and, with its rolling blue SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST water, its lighthouses, fortifications, islands and processions of majestic ships, is one of the inspiring scenes of the western continent. As many as twenty-five steamers move through it in a day. It is the only breach through the ("oast Range mountains of California. Beyond the Golden Gate rise the huge bluffs and ridges of Marin County, their endless convolutions painted in subdued and harmonious earth colors. Up the ocean shore can be seen long points of land running westward and making other bays. In San Francisco itself, at points almost providentially dis- posed, rise hills, from three hundred to over nine hundred feet in height, from whose summits superb panoramas of the city, bay and ocean open to the view. How these vistas have impressed one of the most scholarly ;m:><>. Several expeditions were dispatched northward, l<» establish stations. One of these, under command of Don Gaspar d< Portola. governor of the Californias, left San Diego in July, 1 T * "» * * hound overland lor Monterey, hut overshot it and fetched the Hay ol" San Francisco instead. It was November. The rains had Ik gun. The expedition had been nearly lour months on the march. It had been scourged by famine and scurvy. Provisions wire down to acorns. Portola ii /(.<> SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST himself was ill. In poor condition the party lingered a few days in the vicinity of San Francisco Creek, where Stanford University now stands, while Sergeant Jose Francisco Ortega, chief of scouts, explored the country to the northward and thus was probably the first white man to see the Golden Gate; which appears, until then, to have been remarkable mainly for the list of great discoverers that had sailed by it without discovering it. Five years later, 1775, Don Juan Manuel Ayala, Lieutenant of Frigate of the Royal Navy, sailed the packet San Carlos, otherwise the Toison de Oro or Golden Fleece, into the Gulf of the Farallones, as the roadstead outside of the heads was called, looking for that Port of San Francisco which Vizcaino had Drakes mapped in 1603 and Drake had visited in 1579, and on August Vi * u 5th poked his bowsprit into the Golden Gate, the first of all the Argonauts of the western world. The following year, 1776, a land expedition commanded by Colonel Juan Bautista de Anza, arrived on the peninsula and here located the Presidio of San Francisco and the Mission Dolores, as it was called from the little creek nearby — the Mission of St. Francis of Assisi. The next year the venerable presidente of the missions of upper California, Padre Junipero Serra, arrived, and inspected and blessed the work. The Spanish plan of colonization had three departments; the religious, the military and the civil; which were represented respectively by the Mission, the Presidio and the Pueblo. The Pueblo they called Yerba Buena, after a medicinal trailing vine supposed by the Spanish to facilitate the advent of fresh population. In 1802 there were eight hundred Indians at the Mission. In main, they were an unpromising breed and have utterly dis- appeared. In 1822 Mexico, with California, became independent of Spain. In 1835 Governor Figueroa declared the Embarcadero of Yerba Buena a port of entry, though it was then only a "landing place for fishermen and hide droghers," with a tent which belonged to the harbor master, Captain W. A. Richardson. Such were the beginnings of San Francisco. The year of the dedication of the Mission and the founding of the Presidio was the year of the Declaration of American Independence. The Pacific Ocean was an unbounded waste. Captain Cook had not yet made the English discovery of the Hawaiian Islands. There were no settlements of any size on this coast south of Alaska. Lewis and Clarke had not begun their work, and there was no Oregon, no state of Washington, and no British 12 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST Columbia. As far as the concerns of white people go, there was no Japan. China still slept, and practically the whole commerce of the Pacific consisted of the galleoD which, one. a year, passed between Acapulco and Manila. After the time of Portola we hear no more of that. Again, in the eighteen-forties, San Francisco became an objective of international strategy. Small as the settlement was ''■■ rl at that time, the bay was a coveted prize in the feeble hands of the infant Mexican Republic. Russia had retired up the coast, but England and France sent expeditions by sea that looked dangerous. At the opportune time the United States stepped in as Spain had done before. Fremont had traversed the territory with an "exploring expe- dition" and was at Klamath Lake in Oregon; Commodore Sloat was at Monterey with frigate "Savannah." and Captain Montgomery was in San Francisco Hay with the sloop-of-war "Portsmouth." Fremont and his party marched down to Sonoma, where the Hear Flag was raised and independence declared. With Kit Carson. Lieutenant Gillespie and a small party, Fremont crossed the bay and spiked the guns ;it the Presidio. Sloat raised the American Hag at Monterey, and Montgonv rj landed a party from the "Portsmouth" and performed the same function in the plaza at Verba Buena, July X. 1846. From the last mentioned event the plaza has since been called Portsmouth Square. In 1X17 Washington Hartlelt. the first American Alcalde, or mayor and judge, learning that another settlement was to be started farther up the bay under the name of Franc< SCa, after General Vallejo's wife, and fearing some loss of prestige to his city thereby, declared it was time to drop the nit aningh ss name of Verba Hnena and call the young metropolis San Francisco. Much was in ;i name. The founders of "Franc sea*' were forced to change their plans, and look the lady's other name. Benicia; and the ships that cleared for San Francisco Bay naturally dropped anchor before the city that bore the harbor's designation. California was ceded to the United States in 1848. In March Thf . rnxuo ol that year San Francisco had about 820 people. 200 houses, a school, a newspaper, and two wharves. A Bfty-vara lot (137% feet square) north of Market street could be obtained by alcalde grant for $16, which included recording tees. Smith of Mark- t street a hundred-vara lot could be had lor $29. Within two years there were over 20,000 people in the city, 13 SAN FRANCISCO I III. FINANCIAL, COMMERCIAL and [ND1 STRIAL METROPOLIS of the PACIFK COAST mid there were three daily papers, seven churches, two theati rs ;iikI ,i jail. Steamers were running on the bay, and charging twenty dollars to take a passenger to Sacramento. By Julj over 200 square-rigged vessels had com. into port. Within seven and one-half months 697 vessels arrived. Man) wen driven on the beach and abandoned. The whalemen had t<» quit S;ni Francisco For Honolulu For Fear of losing their crews. Some of tin' deserted ships became hotels and nineteen wen used For warehouses. Commercially the city had leaped to tin importance of Philadelphia. It was ns though the gianl \ oice of some primeval world Foi with .-ill the winds of ocean back <>f it. had thundi red "Sl< ep no more!" Indeed, with the breakfast eggs al a dollar apiece, col beds ;it five dollars a night, and labor ;it twenty dollars a day, nobody could afford to sleep. In 1849 $2,000,000 in gold was exported and the same amounl in goods and coin came back. Gold had been discovered ii Coloma, in wh.-it is now I.I Dorado County, on January 19, 1848, and liv the Following I a II the rush was on From all over the world, bringing nun of all sorts and classes i xcepl the timid and 1 1 1 « poor in spirit. The noblesl natures and the scum of the earth Found them- selves cheek by jowl in the same community. For a time tin re were neither social, religious nor legal restraints, no institutions of any kind to lit or provide For such conditions; nothing l>ut a genera] notion on the pari of most people thai order and equity ought to prevail, and that robbery and violence did. Within ;i IVw months there were ;i hundred unpunished murderers. Then the Vigilance Committee hanged lour men, beginning in June of 1851 with John Jenkins, who had robbed ;i store, and Following in .Inly and August with Stuart, Whitaker ;uid Mel\< n/.n . Ii\ 1856 civil authority was better organized hut tin- eity had Fallen, largely, into worse hands, so thai tin necessity lor .in assertion of tin- moral character ol tie com- munit) set nu d even more imperative. With the shooting "i tin editor of the Bulletin, James King ol William, who was n gardi d .is He popular defender ol righteousness, bj James P. « isev, .-in ex-convicl From Sing Sing, and Supervisor ol the < d\ and County, the Vigilance Committee was reorganized, under the leadership of William T. Coleman, a merchant, and proceeded to eh .in things 1 1 1 > in such manner thai San Francisco was model of municipal purity lor tie nexl twenty yean. Ilie Committee had no legal authority. I'm ii organized nearly 5000 men, on ;i military plan, with regiments and 15 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and [NDUSTRIAL METROPOLIS of the PACIFIC COAST companies of infantry, artillery and dragoons; it seized arms from the Slate; it fortified the two-story brick building known as the Trnitt Block, at 215 Sacramento street, using gunny bags filled with sand as a barricade, posted sentinels who admitted qo one except on password, held secret deliberations, issued warrants, summonses and other processes, sent out its officers and made arrests, and maintained a jail on the second floor of its improvised fort for the accused criminals awaiting trial by its juries. The motto on its seal read: "No Creed, No Party, No Sectional Issues," and for three months it gave law to the city. Etiabiuhino The Committee's first decisive act was to march to the county Order jail, plant a brass cannon in front of the door, and demand the person of Casey. The sheriff delivered him up. In the jail was Charles Cora, a gambler, who was awaiting re-trial for killing a United States marshal; having secured a disagreement at his first trial largely through the influence of Colonel E. D. Baker, his attorney, afterward killed at Ball's Bluff in the Civil War. The citizen army took Cora, too. It held these men until James King of William died, and on the day of his funeral, May 22, 1856, hanged them from the upper story of Fort Gunnybags, in view of thousands of people who crowded the housetops and the hills nearby to see it. During its brief control of affairs the Committee banished thirty undesirable citizens, and eight hundred more thought they had better leave of their own accord. On July 29, 1856, Hetherington and Brace were hanged and the activities of the Committee began to subside. It never disbanded, although it brought its labors to a close with a grand public celebration. TheCivii Among the citizens of the new State, politics were turbulent from the first. Out of the hot contention between Broderick and Gwin for a United States Scnatorship grew the famous duel between Senator Broderick and Judge Terry. It was fought just over the line in San Mateo County, and resulted in Broderick's death. Popular sentiment immediately canonized him as the exponent of Free Soil principles, for the slavery question was becoming acute and Broderick had been among those that con- tended against slavery in California. As the drama led up to the climax of the Civil War, efforts to draw California into secession became more and more deter- mined, but were defeated largely through the eloquence and tact of a Unitarian clergyman, Thomas Starr King, of Boston and San Francisco. 16 SAX FRANCISCO THE I IN AM l \l.. COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST King was a man of culture, and among a people materially prosperous and intellectually starved he was soon in demand, up and down the State, as a Lecturer on literary and philosophical themes. He took advantage <>l the opportunity to weave into liis discussions sound unionist and tree labor doctrines, and did it with so much convincing clearness and fair-minded moderation, that he probably contributed more than any other one man t<> keeping California linn lor the Union. His grave, in front of the church at Franklin and Geary streets, is one of the city*s proudest nlics. Though distant from the theater of the war. San Franciscans had early been familiar with names that became famous in thai struggle. In 1853 Sherman swam ashore from a wreck and became the San Francisco representative of a SI. Louis banking house. Farragui was at Mare Island when the Vigilantes were up. Hooker owned a ranch in Sonoma County, and with Stone- nitiii had made an unsuccessful effort to run a sawmill at Bodega Hay. Fremont had a ranch in Mariposa County. Halleck, Shields and Colonel F. 1). Baker practiced law in San Francisco. McPherson was stationed on Alcatraz Island during the early period of the war. Lander, Buell, Ord, Keyes, rleintzelman, Sumner, Hancock, Stone. Porter, Hoggs, (irant and Albi it Sidney Johnston had all been on the coast at various times. As the Spanish War emphasized the need of a canal at /f.../r.-,./ Panama, so the Civil War before it called attention to the isola- tion of the Pacific Coast, and the need of a railroad to conned it with the East. A young Connecticut engineer named Theodore I). Judah had been called to California to build a line from Sacramento to Placerville. The grandeur of Nisimi thai seems to enchant the West came upon him and he dreamed of a rail- road across the continent. The dream seized I. (land Stanford, Collis P. Huntington, Mark Hopkins, and ('.harks and F. B. ("rocker. They asked great grants from Congress, ami the hard logic of the war came lo their aid. On July 31, 1862, Congress passed the Pacific Railroad bill. Ground was broken in January, 1863. They built loity miles of snowsheds in Ihr mountains and they carted water across the desert. Iii one place they had to haul their rails 7l<> miles by wagon. Hut they made it, and drov< the last spike at Promontory, in Utah, on Ma\ in. 1869. The blows of the silver sledge on the spike of gold w< n repeated, stroke for stroke, on a big bell at the City Hall in San Francisco. The road did not reach this city until some time afterward, but the effect was to link California to the nation indissolubly. and the jubilation of the city was just as 17 SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST enthusiastic as though it had immediately become the western terminus. Telegraphic communication with the Eastern States was established in 1862. Comttoek A wonderful phase of San Francisco life and one that left an indelible mark on local character was connected with the devel- opment of the mines in Nevada. In 1859 a Canadian ex-trapper and fur trader named Comstock stumbled on a quartz deposit on the side of Mount Davidson in the Washoe Range. This lode appears to have been discovered by two Irish prospectors named O'Reilly and McLaughlin, but Comstock argued them out of a share of it and gave his name to the lode. When the news got abroad there followed the greatest mining frenzy ever known, and one that lias not yet entirely subsided. Within thirty years the Comstock mines produced -$350,000,000 worth of bullion and paid $130,000,000 in dividends, mainly to San Francisco shareholders Before the end of 1861 nearly one hundred companies had been formed. By 1876 there were three stock exchanges, all thriving. Discoveries of "bonanzas," or rich deposits, caused immense jumps in price in a few hours. At one time the aggregate paper values, as quoted on the stock market, ran over $700,000,000. In 1872 there occurred a slump in stocks in which prices dropped $60,000,000 in ten days. There was a general rally of the list, and another decline, in 1875, of $100,000,000, of which $42,000,000 was lost in a single week. Gradually the excitement subsided, to flame up again fitfully in 1886 and then fall away onee more. '"'"'umi ^he census of 1900 gave San Francisco a population of 342,782. That of 1910 raised it to 416,912, a gain of over twenty- one per cent, in a decade; and between the two counts the city suffered the greatest fire of which modern men have any know ledge. The conflagration of April 18 to 21, 1906, burned 497 city blocks, or four square miles, out of the heart of the city. From the Embarcadero, between the foot of Taylor street and the foot of Howard, it swept southwestward to Van Ness avenue, got a block beyond, from Clay to Sutter, jumped Van Ness again between Golden date avenue and Page street and burned three blocks westward, and at the same time swept the populous area south of Market street as far southeast as Townsend, and as far southwest as Dolores and Twentieth. Twenty-eight thousand buildings were destroyed in three days. The railroads carried two hundred thousand people out 18 Recovery SAN FRANCISCO INDUSTRIAL Ml. ■ THE TROl FINANCIAL, ■oi.is of the COMMERCIAL and PACIFIC COAST of town. The whole business districl was a dreary waste of ash< s in which the only business done for weeks consisted in dragging sales out of the ruins and breaking them open in the hope of finding some of their contents unburned. Yet San Francisco today is greater and more beautiful than ever and we are inviting the people of the WVsi t<» fashion shows in the most beautiful modern stores, in well-paved, clean, brilliantly lighted streets fashion shows richer and more sump- tuous than can he seen anywhere outside of Paris, designed to appeal to the taste and pocketbooks of a prosperous people. And the city as a whole has invited the world to the greatest international exposition thus far held. Estimated on the figures of the public service corporations, a sure index, the population of San Francisco in 191 I was 630,000. Heal estate sells on its main thoroughfares at >1 1,000 ;i front foot. In the histories of American cities there are no wonders comparable to these. And yet in looking over San Francisco's past one is forced to conclude that any one of these contributing causes of growth might have been omitted and yet the city would have been here. It would have been a thriving community by this time without the gold mines, lor Americans were beginning to settle in California before the presence of gold was generally suspected, and agriculture and commerce would have made San Francisco great. Order and security would in some way have been evolved if not by the Vigilance Committee. The Comstock might never have been discovered, and still San Francisco would have continued to thrive, beyond any other city of the West. The Spanish galleons no longer traverse their ancient route from Manila to Acapulco. but fleets of sled and steam must p.iss on the same trail, back ami forth between Europe and Asia. Despite earthquake and lire, the city's commercial fabric stands on the surest foundation that of economic necessity. 19 O o AN FRANCISCO The Financial, Commercial and Industrial Metropolis of the Pacific Coast IN THE early Fifties, Horace Greely said "Go West, Young Man," and ambitious young men have been going West ever since. From New York a man goes West to Chicago or St. Louis; from there it is West to Denver or Salt Lake, while the Real West, the Pacific Coast, is usually termed the Far West. To an Englishman, a five-day transcontinental trip in a Pullman is undoubtedly looked upon as a gigantic undertaking. What must it have been to the pioneer of '49 who traversed the Midland Trail in prairie wagons? While the Pacific Coast of the United States includes Cali- fornia, Oregon and Washington, each section of which has its rightful claims setting forth their own peculiar advantages, this article will be confined to the commercial, industrial and financial center of the West — San Francisco- the Exposition City. California is 750 miles long. Its eoast line is as long as the Atlantic Coast from Boston to Charleston. South Carolina. In area, California is equal to the combined slates of New York. New Jersey, Massachusetts, Rhode Island. Vermont, Maine. New Hampshire, Connecticut and Ohio. And yet there are only as many people in California as there are in Chicago! Does that spell opportunity to you? CElie population in California in 1910 was 2,317,549, an increase of sixty and one-tenth per cent, over thai of 1900, when the St;itr ranked twenty-first in populati on. ( We now rank twelfth. Japan with practically the same area supports over 10,000,000 people. By this time you are wondering why no special mention lias been made of San Francisco. What has the State to do with the 21 SAN FRANCISCO -THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST fj^in Francisco bears the sain hat New York docs to the nal City? It is the back country upon which the city depends— the backbone of the metropolis. The fertile valleys of the Sacra- mento and the San Joaquin, extending some six hundred miles in length, as well as the Napa, Sonoma and Santa Clara valleys, all drain into San Francisco Bay. The products of these valleys are shipped to all parts of the world, from San Francisco. Here the raw materials are manufactured into the finished products. These goods are all handled by San Francisco brokers, commis- sion houses and warehouses. The hanks finance most of the big enterprises. A lew lads and figures might he of interest to you: |i\\K pour hot water on the water pipes, to th.iw them out. One's own personal comfort counts For a great deal in this life. When you can secure Food, which would be considered a luxury in most parts of tin world. ;it reasonable prices, and comforts as well then life is worth while. Daily shipments are received of Fresh < i_^s. milk, butter, meat. Fruit, fish, crabs, oysters and poultry. These are not cold storage shipments, hut consignment Fresh From source of supply less than a hundred miles away. 25 SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST Cosl of supplies for three meals, or one day's rations, as specified by the United States Revenue Cutter Service, are cheaper at Sun Francisco than in twenty-one other cities of the United Stales. Evidently the high cost of living is not based on a standard having ils inception here. Perhaps by now you have some conception of what "doing West" may mean to you. To a city yet young, where a few of tin first settlers are still living, situated on the largest land- locked harbor in the world, where competition is welcomed with climate, health and happiness, we bid you enter. Nature has decreed that San Franeiseo is to be a large city. In lime she will undoubtedly be the second largest city on the continent. With the rich trade of the Orient, as yet un- developed, with steamer lines now running direct to China, Japan, Australia. New Zealand. Alaska. British Columbia, Phil- ippines, Mexico and all of Central and South America, to say nothing of additional lines which will operate through the Panama Canal; with an Oriental population greater than that of Europe, and the Chinese Republic just awakening, there is no reason to doubt but what San Franeiseo will reach second place. While the whole Pacific Coast is bound to benefit by this increase in trade and the influx of immigration from Europe, we claim San Franeiseo will receive the lion's share, dm- to her present pre-eminence commercially, industrially and financially, and the fact that nature has provided the back country and the only real harbor on the Pacific Coast. It is of interest to note that the total value of all shipments eastbound through the Panama Canal for the first six months the waterway was open, were greater out of San Franeiseo than the combined shipments of all other Pacific Coast ports, including Hawaii. European steamer lines will run steamers to San Francisco direct from European points at a rale but little in excess of the present rates to the Atlantic sea coast. Here the good sturdy stock of France. England, Ireland. Germany, Italy, Sweden, and Norway farmers, laborers, machinists, artisans of all kinds, will find ready work and plenty of it. With the soil awaiting them and opportunities that do not exist in the already crowded centers of the Fast, they will find conditions far superior to what they ever had at home. The Golden Gate bids you welcome. 2fi SAN FRANCISCO THE 1 IN AMI \l.. [NDUSTR] \l. Ml. I ROPOLIS of the COMMER4 I \l. and PACIFI4 COAS1 REAL ESTATE WD REB1 [LDING OPER VI IONS \',\ \\ II I I \\l \ MAGEE w ■ ^lHE opening <>l tin- Panama-Pacific International Kxposi- MM. 1 . . . . , ' lion to tin- world recently may In- c«»nsni< r< d m a \va> • M tin culmination of tin- rebuilding ol San Francisco after tin- lire of April 18, 1906. Tin- total building contracts entered into since tin- Hit and up to January 1. 1915, amounted to •^li.s.x.TNO.'.n.s. This is without doubt an extremely conservative estimate of tin- amount of money invested in new buildings in San Francisco after tin- fire. All buildings erected within two years after tin- lire cost from twenty-five t<> thirty per cenl mon than tin- original recorded contract price; since then thej have cost nt least ten to fifteen per nut more then tin original n corded contract price. Ii is. therefore, conservatively estimated Hint the total amount expended tor building operations sin tin- lire, and up to January 1st of this year, was £328,501 This money was provided as follows: From insurance <>n buildings burned in the great Are (as distinguished from insurance on contents, per- sonal propertj . etc I - 125,000,000 Borrowed on mortgage from Eastern life insurance companies, ;is per list given Itclnw 12*239,1 Borrowed <>n mortgage ir financial institutions in ' .ill i orn ia, < lutsidc of San Francisco . 5,279,9 1G I in- balance raised entire!} in San Francisco 084 As to tin $125,000,000 collected on fin insurance policies, it is generally considered thai this money, after it had I" < n paid h\ tin various insurance companies in settlement <•! the insur- ance losses, actually belong i<> San Francisco real cstah owners to spend and do as thej pleased with, <»n the theory thai thej had tor 1 1 1 ; 1 1 1 \ years previously paid g I fire insurance r.it« >» for protection, and that, th< n ron . in i iargi i k mn. . ill. \ w, r, spending their own tnonej in putting back ilus $125,000,000, oi tin greater pari ol it. into buildings. All the help, therefore, which this ( ii\ has obtained outsid< "i San Francisco in tin erection ol £328,500,000 worth ol buildings is M7,500.000j With this statement as a basis, it follows that local savings banks Ill 1 ' 1 % mm" 1 I ui in ni hi in in in in HI 111 1,1 in "HUllUlUH ii ii ii ii mi 111 ii ii ii u ii ii in II II II II II III Hi II II 31 II II hi ii i ii ii ii ii ii in" 1 ii ii ii ii « r iiffiUU ftiftl THE MERCHANTS EXCHANGE BLOG.- ch^mrofcwmrce SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAS1 ;iikI local institutions, together with private local capital, bav< financed the rebuilding ol Sao Francisco, with verj littl< help from the otuside w orld. Therefore, the rebuilding «»t S;in Francisco was financed with only $12,239,000 borrowed in th< Easl from lit< insurance companies, and $5,279,916 from financial institutions id Cali- fornia, outside of San Francisco. The balance ol $311,000,000 was S;ui Francisco capital. Nearly one-half of it was loaned by the banks and various financial institutions <>i San Fran- cisco, and the remainder was raised in various ways in S;m Francisco, as is shown in detail in the tabl< below. This total dots not include the immense amounts <»t money ■ \\>< nd< d l>\ our merchants and manufacturers in rehabilitating tin busi- ness of the city, nor the large amounts expended by the munici- pality, the Shite and the United States government for public improvement, nor dots it include the larg< amounts expended by the Panama-Pacific International Exposition For Exposition buildings prior to December 31, 1912. Loans by Eastern tile insurance companies ?1 2,239,000 Loans by California financial institutions, outside of San Francisco 5,279,916 Loans bj San Francisco s;i\ ings banks, insurance com- panies, building and loan associations and private individuals Total mortgage debl on San Francisco real estate 1156,704 A careful study and comparison <>f the abov< figures must emphasize the strength ol our position before the fin overto us. especially when it is remembered thai the total mortg dehl on San Franc isco real estate <>n January 1. 1906, just h< ton- the fire, w;is $86,000,000. Herewith is given in detail tin total mortgage debl on San Francisco peal estate on January 1, 1915, every item <>i which, with tin exception ol one, is from actual figures furnished l>\ the banks <>r instituitons to which the money is due. The one exception is ;is in tin amount dm to private individuals on mortgages, the actual figures ol which it is not possible to obtain, lie estimate is based on the rels lion between the total mortgages recorded and tin mortgages recorded to private individuals for the pasl twentj Bv< years To Savings Banks : II. I. run., Bank M2.012.162 German Bank 29.277 S i\ ings Union Bank l< II Mutual Sa> ings Bank Union Trust < o. 1.01 I Bank of Italj i Humboldt Sa> ings Bank 1. 15 i I • i nch Vmeric m Bank ol Sa> ings 190.1 \\l Banco Popolare ( Iperaia Italian I*,' SAN FRANCISCO -THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST Savings Bank I >■ posit* and /',550 To private individuals (estimated) To Fireman's Fund Ins. Co. of S. F To West Coast Life Ins. Co. of S. F To Building and Loan Associations of S. F To California Financial Institutions: San .lose Safe Deposit Bank of Savings. $1,225,000 Trustees, Stanford University 2,403,125 Regents, University of California 150,000 Pacific Mutual Life Ins. Co 470,200 Other California financial institutions, outside of San Francisco 1,022,591 si 11,403,248 22,298,650 1,273,000 395,500 2,725,153 To Eastern Life Insurance Companies: New York Life Ins. Co $3 Equitable Life Assurance Society 2 Northwestern Mutual Life Ins. Co 2 Mutual Life Ins. Co 2 Metropolitan Life Ins. Co 1 Penn Mutual Life Ins. Co 5,279,016 050,000 964,000 7(10,000 300,000 1)7."), 000 150,000 12,239,000 Total mortgage indebtedness on San Francisco real estate on January 1, 1015 *l">(i,7()4,467 Table showing deposits in our savings banks, amounts loaned bv San Francisco savings banks on San Francisco real l. ail lis " l l • estate, on California real estate and on all real estate, savings deposits Sun Francisco banks and real estate loans HANKS The Hibernia Savings & Loan Society German Savings A Loan Society S:i\ iiil's Union Bunt. Co Union Trust Co Mutual Savings Hank .-.1 branches only) Humlxililt Savings Hank. . . . \ni' man Bank of Savings Bancs Popolare < Iperaia Etali- ana. \nt'l' -California Tru ' gS Bank Italian-American Bank Columbus Savings & Loan Society Mission Savings Bank International Banking Corpo- ration Portuguese- American Bank . Marine Bank Savings Deposits 54,277.91 31,945 '.■..VJii.781.80 8,614,344 19 8,431,726.31 6,186,862.30 5,252,710.97 4,585.918.89 V, ,419.94 22 152 19 240.71 : 545.29 1,903,020.12 1.233,878.97 - Totals - I iommercial Deposits S3.2'.I2.235.2S 1,858,971.45 12,827,981 '.1 :'.,!Ms.m.21 131,085.14 5,398,975.39 1,554,490.02 2,680,127.70 553,925.45 Loans on Ban I r incisso Real Estate 132,012,162.02 29,277,436 19 16,419,396.87 l.nl'M.s.; pi 5,673,766.73 4,635,479.48 1,454,594.95 3,490,441.87 2,391 1,219,395 15 2,877,691 27 1,805,577.11 1,328,260.90 L.552,404.69 165.965.00 133,225.00 36,549.84 2 02.13 30 H11.493, 248.78 Loans on Other California Real Estate S2, 134, 134.42 7,548,757.34 3,282,033.86 615,710.00 121,400.00 195,848.04 100,953.15 164,500.00 161,996.43 738,811 38 140,128.43 325,760.00 70,221.35 27 556 J3 183,417.64 632,174.50 123,927.60 $16,567,430.97 Loans on All Real Estate Percent- age of Loans to Deposits $34,146,296.44 40,900,693.83 19,701,430.73 4,638,621.19 5,795,166.73 4,831,327.52 4,555,548.10 3,654,941.87 2,553,231.65 1,958,200.53 3,017,819.70 2,131,337.11 UflS.482.25 1,580,061.52 349,382.64 7t)5,3!l!)..iO 160,477.44 .61 .78 .61 .49 .67 .57 .73 .56 .48 .83 .60 .59 .83 .28 .88 .78 (132,128,424.751 .65 S.\.\ FRANCISCO THE FINANCIAL. COMMERCIAL and INDUSTRIAL Mil ROPOLIS of the PACIFK COAS1 Of the eleven principal cities of the I nit< r mortgage debt on real estate, the : Population CITIES 1913 \ — .--.-riit-ti t Impr. . • N Philadelpl 1,554 : ■ 1,186 1 Baltimore 100 Cleveland ■ Hull:. In San Francisco ibove table ».l- compile I named. It would !«■ impossible I althmiuli one yur ol Table showing population, bank clearings, real cstat< sales, savings deposits <- 1 n < I building operations from 1895 to 191 I: ^ • ar Popu 1805 'Ol ooo ■ 1897 1809 00 1901 1 17» !■ 00 1904 1908 ooo ooo 191 1 115,912 1911 1912 191 I I'M t *'•' Buffalo Philadelphia Chicago . . . . < Cleveland New York .... 51 19 II Boston si Louis I 'ittsburgh Baltimore SAN ll; \\« ls« « i 18 Detroil 39 In reference !<• the percentage <>i mortgagi « I < I • t mi real estate in S;m Francisco, as compan tli< r y< ars, w< h< n - with u i \ » the percentage ol mortgagi indebtedness <>i tin vari- ous \ ears since the Bre: si Hotut Root Bros. .Ins. Fredericks hni is, Schonwasser -■pim 11 n n fr ir » f ^ L , ? cw M3P%m '~"-4*»ter | ass* K "■■■lit Uac<| Titlma lientlel BUILDINGS ERECTED AND ., VSED nv BALDWIN * HOWELL IN I HI, NEW SAN FRANCISCO SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAS1 i .1 < April 1, 1906 (Jusl before Bre) 1 1 April I. 1910 April 1. 1907 II April I. I'M 1 April I. 1908 17 April 1. 1912 April 1. 1909 18 April l. 1913. 17 18 The immense building operations, which took plao immi di- ately after the fire, continued for lour years up to and includ- ing 1909. Since 1910 they have been normal, in accordant with tlic requirements of ;i growing city, since the fire build- ing contracts were entered into for a total «»t $288,780,918. The following table shows tin total of building operations from 1895 to 191 1. taken from the record* d contacts; th< actual amounts expended in building being much larger, ;is is > \- plained on another sheet herewith. Year. 1895 1896. 1897. . . I MLS 1899. 1900. . nun. 1902 I '.in:; V i ml 19,9 l^ 5,621,4 12 1,203,900 ::. 190,603 1,732,748 6,390,705 7,437,562 1 1,289,933 1 1,984,51 l 1 HI 1905 1906. 1907. 1908. 1909 1910 I'M 1 1912. 1913 191 l $20,11 ' 39,254,467 .".ii. I' 1 35,12? 30,41 1.191 L!U.n7::.'' 12 24,49 32,79" 30.468, 1. .7 1904 16,916,1 is As will he seen by reference to the following table, in which is shown the building operations for the year 1914 lor the til- teen cities with the highest totals in the United States, s Francisco takes fourth rank lor tin year in building op< rations. < itiei New Y<>ik ( Chicago Philadelphia , San Francisco Dell.. it . . . Cleveland Ri ixl i hi I. us Angeles Pittsburgh Minneapolis Si. Louis Buffalo New ark . Milw aukee Portland, ore. 1131,666, 2, I 35.38 30, I 1 28,21 1.' 27,309,000 22,9 18,1 ; I. I 8,19 I. I 5 220, ll.l 20,000 ■ 1 10,06 l. .". 33 rmvnMJL E?V e f =t « ij •4m1 SAX FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC I OAST MANUFACTUKIV; l\ SAN FRANCISCO \\i w \nm;\ m \\i \.\ Inform:! i ion and Statistical Department of the San Francisco < bamber oi < ommerce. FI^IIK Chamber of Commerce is diligently at work paving the way for a thorough and complete industrial survey ^*^- of San Francisco. The necessity for having statistics at hand for ready reference was occasioned through inquire s which are being constantly received relative to the establish- ment of factories. These inquiries come from all parts of the United States and relate to every conceivable business. Everj letter which is received is given attention by the Information and Statistical Department, and full data is furnished relative to the factory sites, raw materials, cost of light, water, heat, power, fuel, labor, transportation rates, selling markets, city ordinances. State laws, competition, etc. In this work the Industrial Departments of the large electric light and power companies have been a greal help in so far as giving us data concerning power, heal and Light. A system has been perfected whereby the capitalist, investor and manufacturer, who comes to San Francisco is interviewed and assisted with facts and data. Needless to say, it has taken some lime and quite a sum of money to perfect this work. As an example of the efficiency of this system, Mr. Henry Jones of II. Jones & Co.. Ltd.. Ilohart. Tasmania, recently visited the city with a view of establishing a branch of his famous jam factories. News of his intention was received before he even left Tasmania, and upon his arrival he was interviewed and furnished with all the information which he required. He m>\\ has the mallei- under consideration. The latest phase of this work resulted in preparing a most comprehensive system of securing the names and addresses <»f all prominent manufacturers visiting this city during tin Expo- sition. It is realized thai the period of Hie Exposition is the golden opportunity lor this city to secure data and information and opportunities that will undoubtedly never occur again. Ii is firmly believed that Hie work done along these lines will prove the hasis of investigations and results thai will be secured during the next live years. First of all ;i lisi of all exhibitors ;>l the time of the Panama-Pacific International Exposition was secured and the loo prominent manufacturers exhibiting there were written to; none of these maufacturers exhibiting manu- 35 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST factures in San Francisco. Probably 50 per cent of them have no San Francisco offices, a few have Pacific Coast offices but not in San Francisco, while the great majority doing a business on the Pacific Coast are represented only by salesmen or manu- facturers' agents. It is the endeavor of this department to supply every one of these manufacturers with facts and figures that will result in their establishing their own Pacific Coast headquarters in San Francisco. Except in a few remote cases such as the logging and fishing industry where the headquarters are not in San Francisco, there is no legitimate business reason for Eastern manufacturers doing a business on the Pacific Coast not to have their Pacific Coast headquarters in San Francisco. The tremendous advantages in favor of San Fran- cisco make this the logical point for Pacific Coast headquarters. These manufacturers have been written to, inviting them to call at the office of the Chamber when they visit San Francisco. They arc being enteriained, shown whatever points of interest they desire to visit, any factories they may be interested in and various data and information given them. This work is now being extended so that every Eastern manufacturer who is doing any business whatever on the Pacific Coast is being written to and his local salesmen are being interviewed. As stated before, it is believed that this work will result in a vast increase in the number of plants on the Pacific Coast although factories are not going to establish branch factories in this city immediately. Gradual steps must be taken; first, the traveling salesman will get his orders, next he will have a local office with an assistant in charge to receive mail and calls, later a warehouse will be established. When the business increases to such an extent that it warrants it, separate books are kept for the Pacific Coast business. The next natural step is the establishment of a Pacific Coast headquarters, and the last of all the establishment of a branch factory. These steps are the natural results of an expansion of business of any Eastern firm that has a large Pacific Coast business as well as a large business with the west coast of Central and South America and with Mexico, Alaska, Hawaii, New Zealand, Australia and the Orient. The daily papers have taken most kindly to this work and the real estate sections in the morning papers are devoting space weekly to the results of the investigations. Complete data will be on hand in the office of this department relating to taxes, Municipal, State and Federal laws, rents, leases, schools 36 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACI1 l< COAS1 and homos, the cost of light, heat, power, complete transporta- tion rates (both by land and sea), all steamer lines, dab a ol sailing, rates of dockage, stevedoring, etc.; in fact, every bit of information that may be desired by a manufacturer in order to do business in this city and vicinity will be tabulated and on hand in presentable form so thai the prospective manufacturer who contemplates securing Pacific Coast business can be convinced at a glance with facts and figures. Informa- tion will be on hand relative to raw materials available, and. last but not least, real estate holdings are now being listed with full descriptions of the property in regard to size, acc< ssi- bility, shipping facilities, costs, mortgages, time payments, etc. This work assumed such proportions that in January of this year, the president of the Chamber of Commerce appointed what is known as the Manufacturers and Local Industries Committee, and Mr. Constant Meese, of Meese & Gottfried, as chairman. This committee is composed entirely of manu- facturers. At the first meeting ol the Committee it w;is unanimously decided that while the usual work of interesting new factories would he carried on, as in the past, the lirst work to be undertaken would he a comprehensive survej ol conditions existing in the factories already located here. With this end in view, an alphabetical card index has I" i n prepared, giving a list of all the factories in San Francisco, with their ratings, etc. This work is now being completi d for the Hay or Metropolitan Region. About 3,000 letters have been sent to leading manufacturers with inquiry blanks, asking for specific data on manufacturing conditions. This record, when tabulated, will give the firs! accurate data which h;is been compiled, as to conditions prevailing in the manufacturing industry in and around San Francisco. One of the greatest tributes paid to the Chamber and its work is by the Honorable Win. .1. Harris. Director of the United States Census Bureau, who has realized th< value of this list of factories and has asked for a copy of the same, which has been furnished him, and which has been acknowledged as follows: "We are in receipt of a lisl "f manufacturers in the Citj and County of San Francisco, transmitted in your favor ol the 24th instant. This list will be of great assistance to us in the perfecting of a list thai will be used in making ;i canvass of the next census of manufacturers, winch will cover the year 1914. It is necessary for us to employ a large field 37 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and [NDUSTRIAL METROPOLIS of the PACIFIC COAST force in collecting the statistics. A number of agents will be employed on this work in San Francisco, during next spring, and the clerk in charge will be instructed to confer with you in regard to the list. It is probable that he can be of some assistance to you in perfecting your list of manufacturers, and I have no doubt that he can obtain a great deal of information from you that will be of assistance to him." Following this letter, Director Harris requested that the Chamber adopt a resolution, recommending that manufacturers fill out blanks promptly, so as to aid in the work of the Census. The board of directors of the Chamber of Commerce, on November 17th, adopted such a resolution. In October, November and December of 1914 forty-six fac- tories. Pacific Coast headquarters and branch offices were estab- lished in San Francisco, coming from the East, Los Angeles, Seattle and a few new local enterprises. In mentioning these concerns it must be remembered that even a Pacific Coast office often results in the establishment of a factory later on, though it may take several years in the process. While these are not actual factories established, they are all directly connected with the securing of industrial establishments in the metropolis of the Pacific Coast. 3 ■"^K* iM PADRE .11 NIPERO SERR \ 38 SAN FRANCISCO THE FINANCIAL, COMMERCIA1 [NDUSTRfAL METROPOLIS of the PACU K COAS1 FREEDOM I \ TR ^NSPORTAT] OIN I OB SAN 115 VNCISCO Bi SETH \1 W\ \iinriii'\ and Wanagei i "1 'I T [THIN the Lasl year the citj of San Francisco has \\ been Liberated from transportation conditions which ™ ' materially hindered her in the development <>l her commercial ;ms Angeles and San Diego. Tin charg< was th< sum of $2.50 per car, which tin shi|)|>< r or consignei w;is obliged to pay when a loaded car was delivered upon or taken from ;i so-called industrial spur, which is a ^ i < 1 < -track <>r spur leading from main Mm s of the carriers to the door <>i a factory <>r warehouse. These spur tracks are in common us. in all of the cities of the United States, and are indispensabl< in the conduct of manufacturing <>r commerce "ii a larg< scal< There are hundreds «>| thousands <•! such tracks in this country, and rail carriers generally have regarded the d< li\i rj <>r r< c ipl <>l Loaded cars at such spur tracks as i quival< nl to Lhe l such cars al their public team tracks, recognizing thai lhe delivery or rec< ipl "I the carload must b< uiadi ^« ii 1 1 « - where and regarding ih< delivery or receipl <>t Lhi t th< industrial spin- track as the mere equivalent <>i th< similar service .it the team track. No chargi for this servici is mad< for lhe delivery al lhe team track, since lh< servic* is paid for in the freight rate. Nevertheless, tin California carriers mad< and collected for many years a chargi ol £2.50 per car t<»r this service ;ii the industrial tracks, notwithstanding the) had received the full freight rate upon lh< car from th« point "t origin to its destination. Bui the} imposed this chargi onlj .it the cities ol San Francisco, Los Vngeles and San I' SAX FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST In 1908 San Francisco complained to the Interstate Com- merce Commission of the injustice of tliis charge, and was followed by Los Angeles shortly afterwards. The Commission decided that the contention of the complainants was correct, and declared the charge illegal and ordered it removed July 1, 1910. The defendant carriers shortly thereafter brought suit in the federal courts to restrain the Commission from enforcing its order. The case was ultimately brought to the United States Supreme Court, which upheld the decision of the Commission; and on August 12th last the carriers obeyed the order of the Commission and removed these charges upon interstate freight. Conferences followed upon the subject of the charge upon freight moving within the State of California, and the result is that the carriers have wisely concluded to remove all of these switching charges upon State as well as upon interstate freight. This means that the San Francisco merchant and manufacturer has a.1 last been placed upon a parity in this respect with his competitors in Chicago. St. Louis and New* York and elsi w lure in this country. The value of this new freedom to the mercantile and manu- facturing interests of San Francisco cannot be overestimated. Tin aggregate of these switching charges for a year reached into the hundreds of thousands of dollars. But while this saving is of importance, it must be remembered that it is of even greater importance that enterprises contemplating a loca- tion upon the Pacific Coast were deterred by the existence of the charge from locating in this city, and the advantage now accruing in this regard can hardly be overestimated. A further development of this free switching condition is that a large number of blocks of which are of easy access to the railroad terminals have been designated by the Hoard of Supervisors as the "industrial district" of San Francisco, and within this district spur track privileges will be readily and speedily granted. The carriers will welcome this addition to their industrial spur track system for the simple reason that when a spur track is attached to the main line of a trans- continental carrier, the line of least resistance determines that the larger part of the shipments originating at or destined to that spur hack will pass over the line of the carrier serving it. No better advertisement of the mercantile and manufacturing advantages offered by San Francisco can be made than by publishing to the world that the city of San Francisco pos- sesses an ample area lor spur track facilities, and that the in SAN II: W Im I III. I IN \\( I \l.. i OMMI ' I INDUSTRIAL METROPOLIS of tin PACIFK I switching of carloads t<> and From tin m spur without charge. Some years ago the ^ 1 1 i | » j ►« r or i onsigm i .ii San I i iik found attached to his expens< bill For rreighl upon his ship im ni an additional charge ol fiv< cents per ton for tolls tins is the charge lawfully imposed b) th< Board ol Stat< Harboi Commissioners upon everj ton ol freight passu tin water front of San Francisco, which is owned b) II N and administered by the Harbor Board. In about 1901 tin Southern Pacific Company completed its line from Los \ to S Francisco by the construction ol th< Santn Murgaritti tunnel, and the principal part of the tonnagi passing through the El Paso gateway n<>\\ reaches San Francisco via th< Coast Lint This tonnage i pass out «>t the freight bill. The Interstate Commerce Commission ;itt paj iliis additional chai The state ol California has m.w a I n\ ror th< regulation "t public utilities which is not surpassed I • ^ th< lav ol un in tin l moil It was prepared after the most thorough m\f the conditions and laws prevailing .it hoiw and In our sist. r states; and it should not I" amended in an\ particular except for tin most convincing reasons I In California Stat* Railroad Commission is composed ol men ol the highest type, in character, abilih and knowledge, and the r< suit has l>< i n that in tin bri< i p< riod ol thn i structures of th< rail carriers hav< been tin subject of in trlli and ran lul review in man) material directions, and hnv< I in man} particulars corrected and adjusted so I s I cisco, as well as th< other cities <•! tin state, is placed up< jusl and « quitabl< basis. The opening <•! tin Panama Canal "n August 15, 1914, carri< «l with it instant advanl ig< s i" tin port "t San I i ii SAN FRANCISCO THE FINANCIAL, COMMERCIAL and l \im vi i;i \|. METROPOLIS of the PACIFIC COAST , ls well as the other water ports of the Pacific Coast. Material reductions in the freight rates on water-borne goods were made, amounting in many cases to one-third of the rates previously prevailing on the sea. The rates on iron and steel articles, for example, were reduced From 15 cents per hundred pounds or s< -> a ton to :'> cli route with rail route to sea route with sea rout* \ d vhen this is accomplish) d tin ports ol tin Pacific will 1" in b position thai their geographical situation entitles them t<>. thai is. thi > will become entrepot* no! onlj ror tin comn States, bul of the world, which is destined ror distribution ol the Rock} Mountains. The op< ning ol th< < anal has also had an instant • \\> cl uj the rah s ol the rail carrn rs. In ord< r to mi i i tins n. I competition, tin railroads hav< round it i their rates on ;i number ol commodities westbound to I' ( oast points. I In ir p< tition to the Inn rstah < mission ror permission to do this, heard last tially grants tin carriers' requests, bul with tins lion |,|.l\ lower terminal i ites onlj t<» tli< points wh in. .i s mpetition, that is to say, to tin p Uu oing v< ss. is unload then l»\ the < Commission arc San n s I i ii. I. Portland, & attl< ind I • om i s I fore, now rcc< ives tin watei she has alw aj a I" i n i ntith d, both b) il With Hi- s. transportation San I i . 1 1 1 . is< o, tin cih h into tl freedom in commcrc< and in manufacturing, and it musl it i ilih Follow thai li- i gi ow Ih in tin num. d M be instantly n sponsh i SAN FRANCISCO I III. FINANCIAL, COMMERCIA1 INDUSTRIAL Mil ROPOLIS . I " . PACIFIl COAS1 SHIPPING |\ SAN IT, UNfCISCO By J - HINES I diioi i ANYONE examining a topographical map ol th< country surrounding San Francisco Baj cannot rail t<» i m it« thai the City of San Francisco occupies a position thai presents ;i good many disadvantages when considered From the viewpoinl of railroad accessibility. [Tie eastern shoi San Pablo Hay or the sites occupied 1»> Oakland, Alameda and Berkeley are Far better locations for it city than the site occupied by the western metropolis as far as natural routes Cor railroad approaches are concerned. In \ n w <>t these facts, why did San Francisco forge ahead "I the other hay cities? The answer lies in our shipping. The first Heel of vessels i" visil San Francisco Baj in the days of the greal gold rush, recognized the advantages ol deep water and sheltered position of Yerba Buena < <>\< and coi gated in front of the embryo San Francisco despite the let that their supply of drinking water had to be brought in bargi a from Marin County springs al a cosl <>i on< cenl ;i gallon. With the advenl of the transcontinental railroads it w;is found thai the ships would nol and could not come !<• the natural waterway outlets of the steam tines and so the railroads were forced i<» bring their terminals i<» the ships as besl thej could. As ;i port. San Francisco presents a dual aspecl in that she has a large and partly developed hinterland which nun- or less depends upon In r services is ,i wealth and distribution center and al the same time she occupies i phical p<.si lion thai entitles her to I" considered as one <»t tin "world ports.*' Each of these phases ol our city's commercial impor- tance has been greatl} i nhanci d l>\ tin en ation <>i ih< Panama Canal. The boundary of our zone ol influenci h.is been moved far to tin eastward and. whal might I" termed our contiguous territory, has been more than doubled in area \i tl" sanu time the rapid development ol const to coast traffic through the Canal has intensified th< movement "i commodities both to and From th< greal section ol producing and consuming territory that has accepted this port as i distributing center. The Canal has also material!} strengthened S.m Frai position is ,i "world port.*' I Ik lull < il> « i <•( our n< w position IS SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST in this regard will aot be fell until after the close of the EuropeaD war. The leader who is oot familiar with sea routes will doubtless he surprised to learn that the shortest line between the Panama (".anal and Yokohama or Hong Kong passes to the eastward of San Francisco Hay. This means that steamers hound from Europe to the Orient via the new route will lose little or no time by dropping in at the Golden Gate on the way to their ultimate destination. When the great foreign fleets now tied up or engaged in Government service are turned loose many a fine steamer will visit our hay for the first time. The Canal also means a far more profitable and direct connection with Europe than we have hitherto enjoyed. These points would all seem to indicate a splendid commercial future on the sea, — a future the greatness of which is foreshadowed by present indications. The railroads are readjusting themselves to the altered conditions and, according to well-founded rumors, one line at least, the Southern Pacific will shortly start work on a splendid deep water terminal where freights will move directly from the cars to the ships and vice versa. To a certain extent the effect of the Panama Canal on the commercial importance of San Francisco was foreseen and. in common with other Pacific Coast seaports, preparations have been made to meet the altered conditions and heavy increase of tonnage. New wharves have been constructed either on permanent or semi-permanent lines, our hilt railroad has been greatly extended and has been made to serve nearly all the docks, and the sea wall has been completed to Channel street. What might he termed our "under-foot" equipment is in splendid shape, hut, on the other hand, our overhead facili- ties are practically negligible. In the matter of deck gear for handling cargo, the United Slates leads the world, and the Pacific Coast leads the United Slates; hut when it comes to conveying, segregating and disposing of cargo upon the decks of our wharves, we are woefully behind Europe and some of the progressive cities of South America. The actual cost of carrying freight upon the ocean is hut a small percentage of the total freight charge. San Francisco's exports and imports consist largely of general cargo, and with this class of freight the handling costs at both ends of a voyage are necessarily high. And it is only in this item that any large saving can be it; s\N I R W< iN< Mil. I l\\.\. I \l.. I OMMI Mil [NDUSTR] \l. Ml. I ROPOLIS 0/ tin PA( ll U effected. The San Francisco | >« » 1 1 authorities hi d tins truth and have built their later wharf six tin evcr-inci Beet of merchant vesels that plj upon tl stern <• as any port upon the borders of the w i « I « Pacifii ft; r. f i TONNAGl MOVEMKX1 I'M. I «.| s\\ FBAN(.IS( 1 1 1 I • \ 1 1 M I , I s ' llll' .Ill lli'U'UMM British 1 lolumhiu llinii... \ . I Inn 1 Chile I '• rk Britain • ■•rm in\ II. .11 in. I I I In. Ill Nun. I',.,!, I I' M • Pern \il.iiiii. I Lull I 11..%.. I I'lillu., I .III 1 1 1 . I ..I ll f..l ll 1: - a R R ; pnH RRRR -pppRRRRR - hr n h n n \B B B R R R. r" P " J| ™ rf THE LIVERPOOL 6 LONDON 6 INSURANCE COS BLDG. INSURANCE EXCHANGE ■ t ■ FIREMAN'S FUND INSURANCE COS BLD&r^ SAN I RANI [SI nil I IXAXI l\l . 0JIM1 I:. IAI INDI STRIAL Ml. I ROPOLIS II II I. SAW FRANCISCO THE INS1 I! \\ci; CENTER i., R w OSBORN f I ^ ( ) A I I I MT I to vv iii. i.i San Francisco in iti relation la underwriting interests would rcquin ili< invasion * .1 considerable field For research. \Yh\ .md when it l»i came an insurance C4 nt< r is i asih Iran . 1 1 > i • und und< rsl lull there are so man) phases ol the question thai t<> mal readable or interesting would requin departures l"roni conven- tional description. II there I" Lhosi now living who were personalis familiar with the early days, i<» them such i^ venerated tradition In 1849 and the early 'fifties th< citj was a m.iss ol unbroken frame ranges. It is tru< then wen streets, bul tin s< planked and were veritabh fire feeders and conducivi to conflagration. In iK firsl l.w years San Francisco inherited thai which tonus to everj n< w community, i t x trial b) fire. Rcmoti from the remainder of lli« world, it w;is impossibh to l>mli dollars oi \.iln-. and which latter bad been brought hen for distribution throughout tlx remainder ol tin State. San Francisco was nol onrj tht metropolis, 1 • u t tin great distributing point. • mill had I " i n discovi n d, m w towns w . r. l .. m ^ , si iblislu it and to the earlj s. u| ( r San Francisco s. . m. .1 decked with tin rich, s i .1 ( ,i .1,-. .ml i If the reader \\ ill recall tin m.iss <>t frann buildings nest I themselves along Van Ness Vvcnui ind intersecting streets inst after "the fire,*' Ihen will I i\.\..i t<> ih< mind g I idea ol what earl} San Francisco must lmv< b It w ;is m | ), . , nil., i i.i i \ 19, w hil< 111- • i myriad ol d< ep-sen v< ss. u .mil som< Iul: uiil< .1 . i t<> wharves or gentl} moving with the ebb and tl I "i tide, that the alarm ol fin was uin-h and tin Bend literal!) property to the valui ol b million dollars tins, l disconcerted th< earl) pioneers about as much as it would an army ol littli .mis when thi n. st fa disturbed Rien SAN l l;\\« ls« THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST reaction, the town was rebuilt, values were again established and the incoming steamers brought more merchandise. About five months thereafter, in May of 1850, there came another slighl set-back. A little larger area was burned and three million dollars invested in such loss. Again undaunted. they proceeded to resurrect their fortunes, notwithstanding there seemed to be a tyranny of fate overhanging the hay city. However, before they could accomplish very much in the way of rehabilitation, another fire visited them in June of that same year and this in its quiet way subtracted three million dollars from the capital of the business interests. Naturally this commenced to make an impression and there was considerable talk of such substantial improvements as would render it impossible to have a recurrence of the disaster. Human nature was the same then as now. They soon forgot, were rather inured to misfortune, and began reconstruction in the same old way. Thfcj made heroic effort to revive industries and things wire moving along in the even tenor of their way, for these resolute spirits believed that in the serenity of Provi- dence they bad been tried by fire and not found wanting. In May of 1851 the city, already marked by Fate, received a Staggering blow which well-nigh sapped its blood and was sufficient to have crushed all initiative, placed a barrier against progress or to have turned ambition back into its shell. The largest of the conflagrations came and the irony of Fati- marked seven million dollars as the toll exacted. ()l course the people were crushed, the tongue refused its office, it failed to speak, but the mind was active in resolution. Finally action became its sponsor and thus redeemed a truant faith. There was not much to encourage the pioneer, tor these tins bad crowded each Other with unrelenting savagery. Sni Francisco, however, was not to be crushed. It is true this last lire caused a subtraction of a great (leal of wealth, but the indomitable grit was there and she went on rebuilding, refinancing and revitalizing. We can well imagine that the spirit of the people had received a severe shock and naturally alter such unbearable reverses it required supreme courage to again undertake the task of building anew . liny settled down to work and yet within six weeks were again lighting their enemy. Fire! Fire' Yea, it was indeed a Satanic visitation. It invaded the little town nestled by the bay and robbed them of two millions of dollars. This was 50 SAN I l: \\< [SCO I III I l\ \V I \l I OMMI i.« I \! INDUSTRIAL METROPOLIS iCIVU surelj enough. Wh.it was tin us. 1 Bui hop< n< Id forsaki the early pioneer. Com is tin Ins protection. Il< was trul) a ph i only 'li slitiiiltl l»< protected bj insurance, in fact, it I nccessan as u bulwark to tin credit system I In tragedies, however, that intervened between I) • •I 1849 and .linn hi 1851 madi tin Held ven uninvil tin in\ i stun ni ol insurance capital Nom tin less, in IK.VJ tin Liver] I and London was induced to i Nt.iMisli hi San Francis I m< t with considi i nbl< sin mi s. in. us fires in mi. id it with its progress Nn su ihis first ventun brought seven mon companies tin ml \..ii .i ml in 1 853 eight companies wen competii Hiss ii| tin r||\ III |855 l«u linUi \\<\< nli|. his. . \|.. i point in underwriting, varies in its different • Realizing tins, tin lirsl association ol urn I/. 1 1 in .l.i n ii ii \ ..I 1857 and was kno Insurant rhrough tin** organization remedial < tt • • 1 1 was put nd ill. i ii\ induced to mnk< improvements both in i SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and [NDUSTRIAL METROPOLIS of the PACIFIC COAST and in fire-fighting facilities. At the close of that year the companies which were doing business in San Francisco received an aggregate income of - s l 15,000. Should, however, history have repeated itself, this small sum would not have gone very far in reimbursing the companies for a loss they would have sustained. Prevailing rates at that time were high because the hazard was very great, and rate will always follow the hazard, pre- cisely as the selling price follows the cost of any article. In 1(S.")(S the first company was incorporated. It was a "Mutual" and continued for some few years but finally went out of business. In January of 1861 the Board of Underwriters was reorganized in order to cover a more extensive field, for there were cities springing up which, like our own, made urgent de- mand for indemnity and it became necessary for the Board to increase its scope of authority and usefulness. Kates in the outlying districts were made double those of San Francisco. They had no method of arriving at a rate upon any scientific basis. It was then very largely a question of income and outgo and the enormous expense of conducting the business outside of the city, made it necessary to include in the income of the remote points, the added expense of doing the business and of adjusting the losses. In 1861 three more local companies were organized, the California Mutual Marine, the San Francisco Fire and the Cali- fornia Lloyds. As the State became more populated, new towns sprung up and it was apparent that to properly conduct their affairs the companies would have to employ inspectors to supervise the business. Gradually a system of rating became vogue. This, in turn, required the employment of more expe- rienced men as the traveling representatives of the company. Underwriting, possibly more than most business ventures, was a matter of growth and began to involve not only questions of finance and economics, but the introduction of new habits, together with the assembling of complex hazards. Experience was tabulated, hazards segregated and then came the refinements in rating. This continued until 1866 when the Board appears to have suspended rates, which history shows is more than apt to occur when profit passes a normal figure. This suspension lasted lor three years and the companies were groping in the dark. To retrace our steps a little: in 1862 the Legislature passed a bill requiring companies foreign to the State to deposit with SAX FRANCISCO I III. FINANCIAL, COMMERCIAL INDUSTRIAL Mil ROPOLIS i . [A, PACIFK COAS1 some banker the sum of $75,000 as a guaranty ol good faith. It is well to note that this w;is in the earl} history <>i the st.it< and was soon repealed, because thai idea of protection a monopoly by a system of falsi legislation. Tin result ol tin- law, however, was the formation <»t four I number of companies doing business in this eit\ and elsewhere. I In chaotic condition existing by reason of th< open rat s mad< it necessary for the companies either to organizi for the attain- ment of a rate commensura te with the hazard, according to the class, or for the companies t<> retir< from business. Underwriting venture is not ;ii besl the must inviting. It gives smaller returns for the risk assumed bj capital than an) other class of investment, and the companies realized thai N Francisco was not immune, that there was an opportunity ror a recurrence of the hateful tragedies «>i the earl} days, and which in a night might force them oul <>i busin< ss \ w w Hoard was formed in 1870 and euiilimn d tor ;i iiuinln r <>l yi ars. During these periods the great Northwest commenced t<> open its arms to the adventurous spirit ami ;is lie ^ I ■ riiloin s became peopled, towns sprung up ami. naturally then was .< demand lor insurance protection. The managers "i tin com panics lure realized the serious and dangerous uml. rtaking, and vet moved by an indomitable gril which characterized the early pioneers, they struck forth into the open forest i<> blaz< the trail and likewise build their fortunes it ties, points, I h< opening up of Oregon, Washington, Idaho and Montana was n<> slight undertaking. The representatives <>i the companies wen compelled to Iim\< I l>\ stagi or b) mule and the « arlj hardships accompanying the work <>i enlarging their sphen "t operation were many and serious. H will thus be seen thai tin underwriting intl this community of interest developed the enlarging sphere of the usefulness of the Hoard of Underwriters, lor it is through its experience, its engineers and its valuable machinery thai (here is an appreciable reduction of hazard con- stantly going on. It must he patent to the reader that no indi- vidual company, however Large or strong it may he, can exert a sufficient influence on a community to induce the adoption of laws concerning construction, police regulation and a thousand and oik other things incident to the protection of life and property. No one company could afford to maintain the machinery lor that purpose. Il is therefore through this com- munity of interests thai this can he accomplished and the work of the Board of Underwriters is so constructive in character as l<> be ni ilu greatest importance to the various communities making up the States of this Const. The underwriting interests are naturally allied to the financial. The center of their operations gravitates toward the financial interests and which is a fundamental reason why the headquarters of insurance companies have been and will continue in be for this Coast, at San Francisco. The city itself. of course, dots not particularly benefit through the fact of the departments being here, but il is very sensibly influenced s\\ I R \\< [SCO I III l l\ \\< l \l.. I OMMI INDUSTRIAL METROPOLIS \< n |< for its good through tin amalgamating intereata ol operating under th< Board. Ii tin truth l»< known, tlnv ever) State will show from tin Dmnu-m til I structive influence ol the underwriting interests in the impro> < 1 1 1 < ills w hich art madi in thi construction nnl in tin protection offered bj whether il l»< through ita Bn department, its polio department, or its legislate e d< pa run < nt. Unfortunately, then an it timea public manifestation against insurance interests, but ii ili< publh in- timatcl) familiar with the great remedial work ol tin I Underwriters, which, after all, is constructive and nol dea live, thai feeling <»i antagonism \\«>ult insurance premiuma ariaing oul ol lh< measurement <»t hazard is neither mon nor less than an economic question <>i taxation distributed i>\<\ .1 wid< 1 field and risks, and apart from lit- insurance then is 1 1 * • ■- system «>i taxation approaching it i«'i 1 1 x accuracy, ita ;iiul its distribution "i responsibility. Iln assessor <>i 1 community makca infinitely ci takea in measuring his tax, for h< ia frequently governed bj favoritism, political or otherwise, in tli« measuremenl <•( tli< value t'> Im ass< ss< wn hazard and p <• in established schedule "t rat< and therebj makes hia "«n lax which is meaaured without political I I iv<«nhsnt r SAN I R \V IS< THE I IN \M I \l . I OMMI Rl I U IND1 si RIAL Ml. I ROPOLIS 0/ f/i« PA( ll ll SAIN ll: VNCISi !0 \ \l > I III. < \ \ \l (^OAST-TO COAS1 TONN VG1 via th< isthmus* ,1111,1 ;i ml I < huanti p< c has in- 1 eased 446 p I in lit* si\ years previous t<> 1 1 1 • «i|»< ning q! Ihi < anal. In 1907 tin American Hawaiian Steamship < ompam innu rated i I >. coast-to-coasl service via ili< Isthmus 1 1 from Salina Cruz <>n th< Pacific sidi t<> Porl ol Mi 1 tin Atlantic. Previous lo 1907 Ihi American 11. man ^lu j>i»« rail "^ tli. shipments via the two isthmuses havi U3 incn Willi l hr advent <»l each new steamship lim Ihc tonna 1I1. se r< »utes have increased. According t<> tin' figures "i lh< Depart menl "t Commcrci and Labor for tin year ending Jum 30, 1913, 1 1 1. total valut .-ill goods shipped via both isthmuses amounted t.. x i of which $87,564,507 was westbound and ?3I.991.77> ,1 I In leading articles so slnpi" llv I' 1 I i> anting i" 1119,309,351. ■I, Francisco s, .111. Portland III' Panama I inal moi • than doubh «l San I water-borm commcrci lo Vtlanl 1 I ports in lln lir^t six months after it was opened The same Custom Hous< figures show thai s commerce through lh< < inal is mon than Ihra times * I » * 1 originating al Si ittle, and fourteen limes Ihnl Portland SAX FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST The total values of the cargoes from the three leading Pacific Coast ports to Atlantic Coast ports from September, 1914, to February, 1915, inclusive, was $29,341,216, as compared with $11,648,020 in the same months of 1913 and 191 1 going by way of ilu Panama Railroad and Tehuantepec. Three-quarters of the amount went to New York; Boston and Philadelphia received the next Largest amounts, while Charleston. Norfolk, and New Orleans each took over $500,000 worth of Pacific Coast products. The value of the principal commodities shipped from San Francisco alone to Atlantic Coast ports in the last six months is as follows: Canned fruil *3,439,534 Barley $742,686 Canned salmon 2,562,894 Woof 686,748 Prunes 2.134.127 Dried peaches 594,771 Wine 2,130,684 Nuts 439,383 Raisins 1,781,417 Dried apricots 339,8 19 Beans 1,725,036 The first year tlu Canal is opened the total tonnage should easily reach 1,000,000 tons valued at $150,000,000. Assuming that tonnage has increased with the inauguration of each new steamship line and with the numerous lines that intend to use the canal, tonnage totals should increase at a greater rate than is commensurate with the increase in production or consump- tion on the Pacific Coast. San Francisco's freight, both eastbound and westbound, Predominance . . , -iii t-» • r» /"< exceeds the combined tonnage ol all other Pacific Coast ports. This tact dispels all doubt as to which Pacific port is going to reap the most benefit from the Panama Canal. San Francisco is the only port whose eastbound shipments exceed its importa- tions from the Atlantic Coast, with the single exception of Hawaii where over $19,000,000 worth of sugar was shipped east- ward. This shows San Francisco to be the natural shipping point and distributing center for California products. This city is the only port whose eastbound shipments are in excess of the westbound shipments. Areaiand Chicago contains as many inhabitants as the whole state of Population California, approximately two and a half millions. California is equal in area to New York, New Jersey. Ohio, and all of the New England states, Maine. Massachusetts, Vermont, New Hampshire, Connecticut and Rhode Island, with a total popula- tion of 22,980,583. California is equal in area to either Italy or Japan, each of which supports a population of over 40,000,000. There art unlimited possibilities for development in California. Only 2< r cent u.is improved. In 1912 the orchard, vineyard, garden, dairy, poultry and "tin r field products of California was valued ul *320,1 I tiring the present acreage in farm lands ill improved I spective of the Fertili land not devoted to farms at present) there are Linn crops valued at £784,547, During th< season of 1910-1911, 16,394 < irloads ol citrus fruit were shipped east from California bj rail. In 1912, carloads of fresh deciduous fruits (exclusivi ol appli similarly shipped; 59,737 i carloads <»i irmi alone, that can !•< shipped cheaper by Panama and nearlj as quickly, rrom .i State capable <>l supporting 10,000,000 ol peupli when <>nl\ 11.34 per ciiil of the total area is now in improved Farm lands. San Francisco will not <>ni\ |>< 1 1 1 • |><>ri ol call for vessels nt will b< b point ol dis tribution. The principal ports ol Europi that will ship to tin Orient are London, Hamburg, Liver] I. Antwerp, Marsrillt's, Havre and Bremen. Ships rrom these ports il\ tin flag England, France, Germany and Belgium. In addition ships from Italy, Spain, Sweden, Norwaj and Denmark will I" hen The Oriental ports "I call an Yokohama, Kobe, \ Shanghai, Hongkong and Manila, linn is not enough fn*ighl for everj steamer from each port "i departun to each port ol call. The largest Freight line operating on th< Pacil i finds il cheaper . ■ 1 1 < I quick< r to unload All. m! I i lr« igl Portland, at San Francisco and then reload and nsiim to Portland l>> a smaller boat. ( alifornia has mil i \\<< ri< nc< t immigration as yet. In the I Kim I year ending Juni 30, 1911, tin arrivals at S;m Francisco ol immigrant tin us amounted I" 3,119 and <•! mm immigrants ali< ns 1,417 It is . i notice nbl< ract thai the immigration at San Francisco was ; than .it -ill tin other Pacific Coast ports combined For tin sam< p \. w York, the figures wen 637,003 iml I00.O.V.I rhes< show the possibilities <>i what immigration ma) to s Francisco, onci direct steamer scrvic* is inaugurated Europi I'm iti, i ,.;ist immigration so far has been from tin Ori. nl. The number ol Chines* in < ilifornia has decn ised cent, however, in tin last i\\ bear in mind lli.it the western portion <>l central 111,11 llll \\ I .SI I III [Mil lltlll 1)1 t . II! II ,| ' Mill IS I • .lll\ IIS lllOSl resourceful ;nii n< w population and capital, th< building of railroads and th< improvemenl <»i steamship connections, this coasl will r< liead in ■ • thai will vastly increasi its trad< with California and N America. II is impossible, within the limited spac< "i an artich "I tins kind, lo tin Panani I ;iikI Pan-American commerce, hut I will conclude m> obs< lions with .i statement ol a F< w g< n< ral facts which |>r<>\« the importance of all Latin America. These twentj countries lying south <»t the l nited States in •< line drawn from the Pacific | > < » i 1 1 1 of tin California Mexico boundary r;ist through Ihe channel l»> lw< i n Florid i and ( lib i, cover an area exceeding 9,000,000 square miles, which is • < ( n . 1 1 to three times the connected area <>i tin I mt.i approximately 75,000,000, which is <<|n.il to three-fourths the total population «>t this country I h< \ conduct .in annual foreign 1 1; i < I < valued it approximate!) $3,000,000,1 which is equal to thre< tilths ol Un total foi trade of the I nited Stat< s. I ontrai*} to tin u< n< ral i \p> elation, the United States is nol laggard in its commerce with l.-itm America. Although there are splendid opportunities for its extension and building n|>. th< l nited States has ni.nl. remark- able progress in Ihe exchang "l its products with Latin Ann dniiii!; iln last 1 1 w years until m>w this country is ahead <\|(MNNi.(Mio, and I " 1 1 1 1 . 1 1 1 x w as third with W 10,000, SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST SAN FRANCISCO'S FINANCES By II. \ MASON Bond Expert San Francisco liunril of Supervisors i ^ AN FRANCISCO'S financial a Hairs arc managed in a highly ^^ satisfactory manner. lis accounting system has been com- ^-^ mended by the officials connected with the United States Census Bureau as being one of the best in the country. Under the law all municipal expenses must be paid from the City's annual revenues, unless bonds are authorized by a two- thirds vote of the electors. Hence there is no "floating debt" and borrowing money to meet ordinary expenditures is a thing unknown. Annual expenditures arc provided for under a "budget system" and every safeguard is placed against municipal extrav- agance. The bonded debt expressed in the following statement was incurred for the purpose of making improvements, a large part of which was for the replacement of public buildings destroyed by the great fire of 1906. STATEMENT OF THE BONDED DEBT OF THE CITY AND COUNTY OF SAN FRANCISCO ON FEBRUARY 15, 1915. Three and one-half per cent bonds — Issue of 1904 for various improvements $ 2,739,000 Four and one-half per cent bonds — Polytechnic High School, 1910 550,000 Geary Street Railway, 10 10 1,900,000 Market Street Railway, 1910 75,000 Hospital-Jail Completion, 1913 (579,000 Water Bonds (Hetch-Hetchy), 1910 1,598,000 l'i\ e per cent bonds — Issue of 1908 for various improvements 17,330,000 City Hall Bonds, 1012 8,800,000 Exposition Bonds, 1012 5,000,000 Municipal Railways, 11)13 3,500,000 Total Debt *42,171,000 The amount of the assessment roll upon which taxes are computed for the year 191 1-1.") is $541,791,463. The tax rate for municipal purposes was $2.25 and for State purposes $0,039 on each $100 of assessed valuation. The total appropriations made in the annual budget for the support of the government for the fiscal year 1914-15 was $1 1,916,465.16, of which the sum of *2. , .)1 , .).77: , > was to pay interest and principal on the bonded debt. 04 SAN FRANCISCO I III. I IN \V I \l I OMM1 R( I \l INDUSTRIAL Mil ROPOLIS o/ \he PACIFK I Ml \IGIPAL o\\ MERSHIP l\ S\\ FRANCISCO Bi l Wll - Rl >i ill SAN FRANCISCO, since the fin of 1906, has grown u City of more than hall b million people. Man) m « and importanl problems presented tin nis ( |\. >, upon m) en- trance ini<> office <>n January 8, 1912. San Francisco had a In nd> been selected by the Federal Government as th< < it) in which the Nation should celebrate tin completion "I the Panama Canal. There was already a stirring of m w activity i«> indicate the greal growth ;ni com* t < » S;in Francisco and the entire Bay region with the opening <>i this new artery of world commerce. Ii was evidcnJ thai m w population would begin i<> how into th< City. I" mecl tins' immediate needs ;i targe amount ol reconstruction and ol entirely new construction was outlined to I" done within tin- period of, approximately, four years or less. Streets wen ^t il I in n deplorable condition as an aft< r result <>i tin gn ul Hi 1906, and the period <»i rebuilding was stdl in progress. New transportation facilities were demanded, both for the people already li\ini_; in the City, and for the thousands "i prospective citizens who would Bnd homes in tin ( 1 1 x "s out- lying districts it streei car lims were provided. W iter was ;i crying need, confronting the administration as on- "i its most serious problems. In addition to this, tin need ol public buildings a < it) Hall, City and Count) Hospital, Public Libra r) and School Buildings, was pressing. I had promised, in m) platform, t" do all possihh t" i % pedite tin construction «>t tin Gear) Streei Municipal \\ Contracts win immediatel) lei and ever) inducement was offered i<> the contractors t" push th< progress ol their w«'ik with nil possibli speed. It wis realized thai public ownership of street railways in the l nited States was on trial On I >> > • m ber 28, 1912, tin Gear) Streei Municipal Railwa) operated its tirsl cars over tin Inn from k<.nii\ sin 'I ti> I hirt\ ninth Avenue. With i ich month additional cars wen brought into service. A campaign hid t<» tx waged befon tin pcopl< the ratification "i an agreemenl whereb) tin City's cars wen SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST enabled to reach the Ferry Building over Lower Market Street. This was overwhelmingly approved, and the wisdom of the voters was shown by the immediate and substantial increase in the receipts of the railroad, which showed, for the first year of its operation, a net profit of $85,345.80 after the payment of operating expenses, depreciation, interest and sinking fund upon bonds. On August 20th, 1913, the people carried, by a large majority, an issue of .$3,500,000 bonds for extensions to the municipal railway system, to furnish adequate transportation to the Exposition and to make a beginning toward extending feeder lines into outlying districts not enjoying proper transportation facilities. The majority of these lines are now completed and in operation. The erection of a new City Hall is one of the administration's important responsibilities. The idea of a Civic Center around which should be grouped monumental public buildings grew from the proposal to supply a new official home for San Fran- cisco. On March 28th, 1912, the people voted $8,800,000 bonds for the purchase of land and construction of a City Hall. Ground was broken for that building April 5th, 1913, and the corner- stone was laid October 25th. Work has advanced steadily and the building will be occupied before the end of 1915. The Auditorium, costing $1,210,000, of which $1,000,000 was expended in its erection by the Exposition out of $5,000,000 in bonds voted by the City, is now complete and serving as a meeting place for many important conventions drawn to this City by the Exposition. Plans are going forward for the erec- tion of a public library building for which the excavation and foundation contracts have been let, and steps have also been taken for a State building and other similar structures to be grouped about the central square of the Civic Center. Water, while being one of the greatest needs of San Fran- cisco, has also constituted one of its most difficult problems. For thirteen years this City had been bending every endeavor to obtain from the Federal Government a grant of rights in the Hetch-Hetchy Valley of the Yoscmite National Park, such as would enable it to construct a water system adequate for all time to come, and providing the purest water to be had. A delegation of City Officials went to Washington in December, 1912, for a hearing before the Secretary of the Interior, upon the so-called Garfield Grant. Failing in this attempt to obtain the final approval of the desired permit, the City then went 66 SAX FRANCISCO — THE FINANCIAL, COMMERl I \l. and INDUSTRIAL METROPOLIS of the PACI1 h direct to Congress, in 1913, and present d its claim to this water source in the Sierra. II was a Long, difficult 1 i .«_* 1 1 1 in which tin administration became engaged. Opposition was so developed from various sources that the struggle in the Hous< oi Rep sentatives and in the Senate grew into one of the most spirit- <1 ever waged in Congress. San Francisco's presentation ot facta and arguments finally won. In the closing minutes ol dramatic session before the Senate on December 6, 1913, < • u r people had the satisfaction ot seeing tin n alization <»l their hopes. With the Hetch-Hetchy grant obtained, tin administration renewed its efforts to solve its immediate and local problem of water by the acquisition ot" the properties of the Spring Valley Water Company. These efforts are now focus* d in the election to he held on April 20 providing for the issuance of bonds to purchase the system and thus make possible the long- needed extensions into outlying districts tied will hsmip home- building and increased population in these sections. One of the unfinished public undertakings which required the immediate attention of the new administration was tie Auxiliary High Pressure System for lire Protection. Work Upon this system was pressed with nil possible dispatch, lie pumping station at Second and Townsend streets was first completed, followed at a later date by tie acc< ptance of the pumping plant at Port Mason. Seventy-two miles <>f main w< laid in the streets. The Twin Peaks reservoir, with .i capacity of 11,000,000 gallons was completed ami accepted, and tie sys tem was incorporated into the lire-lighting facilities <•! tin fln department. One effect of this was the reduction in insurai rates, saving to the citizens an amount estimated ;it approxi- mately $1,000,000 a year. The reduction was obtained rrom the insurance companies before the High Pressure System was completed in all its units, upon tie show inn ol gn alls iucr. in, <| protection of property. Work had. meantime, gone forward on other public build- ings. The San Francisco Hospital has been finished and is being prepared for occupancy in the near future. Man) public schools have been built to care for lie grow ing m i ds <■! < du< jjon in various districts of the city. A consistent program <■! street reconstruction and paving has been followed. Under lie direction of tie I'm.ine. Com- mittee <>f the Hoard of Supervisors f 1,150,000 was expended for this purpose in the fiscal year 1913 I'd I. and a similar sum I SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST been provided for in the year 1914-1915. This work has been planned systematically in order to open well paved arteries in the various districts of the city. Everything possible is being done to make the city worthy of her position as hostess to the world during the exposition year, and to provide for her undoubted growth and advancement in the future. A forward step in this direction has been taken in the beginning of actual construction upon the Twin Peaks tunnel, which will bring a district of excellent homesites within easy reach of our impor- tant business sections. The Stockton-street tunnel, completed this year and through which our municipal cars are now operating, is performing a similar service in providing trans- portation for the North Beach district. The People of San Francisco, who, as taxpayers and citizens, have made possible whatever of a constructive nature has been accomplished during the past three years and more, deserve every credit for the work that has been performed to improve their city, which, I believe, has before it an era of unusual progress and activity, resulting in a large measure from the events focused in the completion of the Canal and our Exposition. &*1* 1ST Court of the Four Seasons at Night 68 Panorama "i the I xp THE PAIN \M ^-PACIFIC EXPOSITH »\ J ■ ^ HE Panama-Pacific International Exposition al San Fran- cisco is ;i distinctly national achievement, determined *• upon by the Congress of ih< United Stat< s, and d< signau t the Panama Canal, a national accomplishment thai important I) affects the entire world. In assuming ih< burden and expens* <»r this mammoth celebration the people ol California havt discharged an important public duty and executed ;i national trust, the accruing benefits <»r which will be shared bj everj state in the Union. While this greater inter-hemisphere waterway is a national project, it is. nevertheless, a world's asset, and the ci I' bration <>i its opening is being participated in by man} <>t the nations <>i the world. The Exposition constitutes an international con- course of tremendous significance in its i il< cl upon lh< natural productivity ;ml all countries, and mon especially <>r the United States <>t America. In February, 1912, President William Howard raft issued a proclamation announcing the holding <>i this great I ^position and inviting the nations of the world i<> take part. On October II. 1911, in the presence of ;i great multitude, President l.iit turned the first spadeful <>i earth at San Francisco for th. I % sition. The President, the Governor ol California, and th. Mayor <»l S;ni Francisco delivered addresses lh< vessels the l\ieilie fleet in the harbor joined in tin celebration, md there was an extended military parade in tin streets. The citizens of San Francisco subscribed S7.(l for tin Exposition, and later additional sums wen p I Stnti of California appropriat< il £5,000.000 ind tin Municipal (iov< rn- i ment of San Francisco £5,000,000, to tin general fund "i tin Exposition managenn nt. I In countii a "t ( aliforni ■ rais* d I sums for their individual representations I sums w expended l>\ the participating nations and b) lh< st tin Union, while industrial and otln r conc< rns mad( unprcccd< nted SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and [NDUSTRIAL METROPOLIS of the PACIFIC COAST 1 venue of Palms with Tower of Jewels preparations for their private exhibits. The grand total con- stitutes an expenditure of approximately $50,000,000. Visitors to the Exposition will gain their first impression of the magnificent enterprise from an entrancing view of its archi- tectural features. Seen from the water approach, over the Bay of Sau Francisco, or from the overhanging hills of the city in the background, the spectacle is a glorious one, inspiring both delight and wonder. The site upon which the Exposition was built could not have been duplicated elsewhere on the globe. It combines to an extraordinary degree the qualities of scenic beauty with accessi- bility and convenience. It occupies a natural amphitheatre on the shore of the Bay of San Francisco, just within the famous Golden Gate, with the wooded slope of Mount Tamalpais and the beautiful Marin Hills opposite. Reaching from Fort Mason on the east to the United States government Presidio military reservation on the west, the north facade of the great "Walled City of the Orient," as it has been called, occupies its center, flouting on the Marina with its mile-and-a-half wide lawn tliat reaches down to the water's edge. The Exposition grounds are within twenty minutes' ride from the center of the city. Chateau, castle, and cathedral of the old world, built of enduring stone, towering upon tall mountain, or gleaming white in sequestered vale, in wealth of carving, in alluring contour, in tower and battlement, and embrasured window and arched doorway, are the shrines of all travelers who love the beautiful in architecture and art. The infinite labor bestowed upon their construction, the long years in building, the genius lav- ished upon their adornment, render their appeal constant and compelling. But it one will consider the group of eight exhibit palaces as one edifice, which in reality they are, the structure must rank as one of the great buildings of the world, and so it will appear when its massive dignity and beauty of outline first greet the eye. Lacking in orna- mental detail, the men- tal comparison will at once disclose the majesty of extent and the repose- ful grandeur which ren- der this creation one of the most notable archi- tectural triumphs of this or any other age. For 70 SAN FRANCIS* Mil. I l\ \\< I \i . . OMMER( l \l INDUSTRIAL Mil ROPOLIS 0/ tin PACIFK COASI r x \\ this central group of compacted pal- aces, tliis one mag- nificent edifice, is Ranked on three sides by other great e xhibit |>;i l;i ces, which, with Hit pa- vilions of the na- tions and the slates stretching away fan shaped along the bay, emphasize and ac© nl its siz< and ^|>l« ndor. From the city's heights one looks down on 1 Fncad< t! quarters nl' a mile long, dominati i J< w. K." 132 F< • 1 in h< and broken <>n either side by an open court ornamented with lesser towers. As the eye rests upon the rectangular group, eight greal domes claim the attention, distinguishing tin 1 tion of .in equal number <>I exhibit palac* s, dom< s <»i s< color, pale againsl the intense blue <>l th< skj and th< bright red of the tiled roofs. One notes that avenues bisect tin group at right angles, widening along the lat< ral axis into tin . . courts, thai in the center are spacious and highl} 1 mb< llishi d. And now tin eye withdraws From this c< ntral group building, attracted by the iwo domed structures in lie South Gardens, Festival Hall and the Palace <>i Horticulture. I" th< east, rests the Palace of Machinery, containing eight acres <»i floor »i of grave exterior and regular lines. I<> tin wist across the still lake, and curving i«> its shores, th< arc "i .1 circle, eleven hundred Feel along its outer circumference, its Fn< ■ long colonnade embracing an ornat< pergola, stands th< Palai Fine Arts. And then, in volun ta rily, 1 1 1 1 ey< 1 1 1 1 s and sweeping | > 1 a 1 1 h < the esplanade on the ba> shore rests w iili delight on the encircling mountains and marine views, lit set ting For 1 1 1 i ^ marvelous ,'M(i )lll |)l isllllli III. Hilt let lis I liter 111. charmed enclosun For 1 more intimate stud) "I these exhibit palaces Passing through tin main 71 s \\ i i: tNClSCO l MM si RIAL ME THE FINANCIAL, TROPOLIS of the COMMERCIAL and PACIFIC COAST Looking North in tin- I unrl oj I 'ill ins entrance, underneath the Tower of Jewels, we enter the- cen- tral court, called the "Courl of the Universe." Elliptical in shape, 700 l>\ 900 feet, il contains ;i sunken garden capable of seating seven thousand persons, is entirely surrounded by handsome colonnades supporting one hundred and ten star- crowned figures, the fa- cades of the four palaces being modified to form the walls of the court. The entrance from the Lateral avenue on the east and west are sur- mounted by magnificent archways. That on the east is called the "Arch of the Rising Sun." Above it. colossal animal figures typify life in the Orient. To the west the lofty archway is called the "Arch of the Setting Sun." and supports corresponding figures significant of life in the Occident. And on the walls back of the colonnades are mural paintings by renowned artists telling in symbolism the story of the rise of mankind to the present heights of progress, the significance of the canal, and the meaning and purpose of the Exposition. Passing westward along the avenue between the palaces of Agriculture and Liberal Arts, the visitor enters the Court of the Four Seasons, one of the three major courts. Here he finds a central group of mythical figures gathered about Ceres, Goddess of Agriculture, while in niches at the corners of the foUr enclosing palaces are groups signifying respectively Spring, Summer, Autumn. Winter. Here, the intent of mural paintings ;ilso is to embody the opulence and bounty of nature in the West. flic corresponding court on the east is the Court of Abundance. Two minor courts open to the south, that on the east, the Court of Flowers; on the west, the Court of Palms. To the north of this compacted group of palaces stretches Ha long Esplanade, threaded with walks and driveways and Studded with shrubs, plants and trees that are tribute of two /.oiks. On the south the extensive gardens are continually bright with seasonal flowers, while over beyond the supcul) Palace of Fine Arts in bewildering array the dignified foreign Pavilions and imposing buildings of the slates arrest the atten- tion and invite the close inspection because of peculiar features indicative of resources, power, or fame. 75! SAN FRANCISCO I III. KINANCIAI COMMKRCLM INDUSTRIAL METROPOLIS I In following foreign nations an parli< in tin sition: Argentina, Australia, Austria, Bolivi I Canada, < !hina, < uba, Denmark, Ciermai land, India, Italy, Japan, N< Zealand, N I ' si;i. Portugal, Si.un. Spun. Sweden, Turl III. i ' are fortj -thn i stat< s and l< rrit< ticiji.i nts, and lhes< arc: Alabama, Arizoi fornia, < )olorad< >. Delaware, Florida, (icoi II llliiiuis. Indiana, Iowa, Kansas, Kentucky, I ■■ S\ Massachusetts, Michigan, Nebrasl S ida, \ Vork, North I arolina, North Dakota, Ohio, < Pennsylvania, Philippines, Rhod< Island, South ( I . inn Bsee, I - xas, I lab, \ ii ginia, W< si \ VN iinin. Wyoming, Washington, Minnesota, Mississippi, Missouri Montana. ( )l the foreign nations mon hav< pavilions than erected at anj <>ili< r i ^position. I h< khis. Of the participating states and territories twenh have buildings. Th< s< structun i art rich in inh resl s merely attractive structures buill t<> l»< tli« center ol II or nation's activities and tin hom< <>i tin man} Others are reproductions ««i famous places and I'omhii I i< in with entertainment and servi As examples maj I" considered tin pavilion I )* inn. nix. which is n i' production ol Ilamh I" I Kronbi pg i isi |. ,ii I Jsinoi i \< i oss lh< ing is tin r. production ol tin Pal us d< I i gion il i i w .is erected bj Franci Sol is tin litll< I community with its ri pn sent.-i ^^^ __^^^ = _ 1 1< hi i Japan* s< g n il. n, is iiti ing much att< nl ion Iln i ish p;i\ ilmn is .1 1 . productiol tin mosqu* "i Suit in Umu l< mini construct* cl ts handsomi b pa^ ilion • "" best products <>i In r coui SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST An Architectural I Among the slates, OregoD has a rustic Parthenon; Virginia lias given Mount Vernon and fitted it with furniture used by George Washington; Maryland has brought the little brick home of Charles (i. Carroll, one of the signers of the Declaration of Independence, and that the appearance of age may be con- vincing a special preparation has been spread over the brick walls.' Trenton Barracks, the headquarters of General George Washington before he crossed the Delaware, is on the bay front as the building of New Jersey, and this is a true representation even to the Hag stall' surrounded by the iron picket fence. Ohio, Illinois, and Massachusetts have built copies of their state houses. California has erected a charming Mission, New York a Fifth Avenue mansion, and other states have buildings that have their appeal. At the extreme- opposite end of the Exposition grounds is the $10,000,000 amusement concession district, the "Zone." Here the "Yellowstone G&ffdens," the "Grand Canyon of Arizona," representing investments of a quarter to half a million dollars each; the "Panama Canal" and Frederic Thompson's "Toyland Crown Up," costing one million dollars, give something of an idea of the quality of the entertainment offered. "Japan Beau- tiful," "Creation," the "Aeroscope," the "Chinese Village" and ;i hundred others offer amusement and education. Imagination is the keynote of the architectural scheme of tin Exposition, and each of the marvelous palaces and courts represents the masterpiece of the designing architect. In direct contrast to previous expositions, the architecture at San Fran- cisco's Exposition is not wholly in one rigid and inflexible style, but displays the various types which have won renown in many eras of the world's princi- pal countries. Unhampered by the limitations of inviolable conven- tion, the architects have given free rein to their imag- million, and many of the buildings and courts repre- SAN II: \\< [SCO l III. I l\ w l \l.. < OMMI R< I M INDUSTRIAL METROPOLIS \ < I I h CO AS! sent the realization ol dreams which few <»i tin i ver hoped to Be< actua IK construct* d. In the Exposition, taken ;is a whole, then is a loud mysticisms of the Oriental; th< realism cl tin Hellenic period; tin beaut} <>i tin <>M Spanish luxuriousness and abandon ol the Italian and tin massivi solidity of Hi' Gothic. Perhaps the most l>< a utiful of the courts is the Court ol Abundance. In i th< r sp< ci men of architecture at th< I position has imagina lion play< «l ;i greater pari than it has in tins design. Spectacular t<» the _ extreme, the details and g< m ral i ns< mbh <<\ lh< court hold tli< visitor spellbound with admiration ;it th< daring ol tin ception and the masti rlj manner ol i \< cution. Tlic earth, from tin creation to tin ultimate, is tin tip which the architect ambitiousl) s. |. . t. <| for tin court which he \\ orked oul in detail. The \\;ills ol tin courl w< n In at< 'I with giant columns and ;i tower at one end. From the middle ol this tow< i two fall-ways hav< been provided which vered with tin water vines survivals ol prehistoric vegetation which an >iill found in "in mI ( alifornia's mineral springs ovci which w emanating from q secret source (lows, visibh <>nl\ it points where ridges causi it to bubble and break I h. bottom ol tli« falls ;ii' massed so thai the destination <»i tin is .« N. . hidden. I In si nrches symbolic tin mystcn ol tin w hence it conn i and w In n it goes The low( r pari ol th( courl is symbol i< al ol ll the earth and graduations in tin stages "i man's progress, until tin lip ol tin arch n imaginative and allcgorn il conception "t tin ultimnh UK nt of the hum. in i l',\ tin use ol ih« imitation Iravertim marbh i<-i tin in. nt ol all "i tin exteriors ol tin Exposition palaces, 1 1 >« suggestion ol plaster and stucco is eliminated and thi imprrs sum giv< ii "i i i the rainbow. I h. n the indivii rays sweep the skies in what is known ;is the drill. Tin \ in parallels, in plaid effects, Fans and plumi s. The majestic glass dome «>i the Palao ol Horticultun one of the most beautiful features «»i Hi. nighty illumination. Located within the dome are high-powered lights which plaj through slowly revolving color screens which product color combinations and changes with. ml end. Man) uniqui efl are shown, including the Proc< ssions ol th. Const* llation ol th< Universe, and the Evolution ol th< Nebular Hypothesis I h< s, magnificent effects are varied bj processions ol grotesque amusing figures around the dome. Even the atmospheric conditions have given their .i^msI > in making this the most attractivi illumination ever planned. On some evenings there are banks ol fog hangii of San Francisco. The searchlights an trained on the* h.mks and dye them ever} color of tin rainbow. When th< lacking, artificial fog is manufactured. \ locomotive i- tioned on tin- outer wall of the Yachl Harbor and th< steam generated by this engine forms th< background for similar displays. The avenues of tin Exposition an softl) illuminati «l I " mental lamp posis are placed al small mti thi ul in and .it th< sann linn the furnishing ol enough lighl t«> displ i\ 1I1. details ol tin architecture in its minutes! portion to tin best advanta 77 SAN FRANCISCO THE FINANCIAL, COMMERCIAI INDUSTRIAL Ml. I ROPOLIS of the PACIl [I COAS1 ENCYCLOPEDIC INFORM \ I lo\ M.I'll Mil. IK \i l ) \i:i: \ VGED B] SUB ACADEMY OF SCIENCES Organized in 1853 for scientific Investlgal With th< made residuarj legatee ol the estate ol James Lick Inst its valuable collection! and llbrarj ^ well a* tin . A new building, to coal when complete over hall Golden Gate Park to house the new collection ADVERTISING ASSOCIATION "l SAN FRANCIS' See I ommerc lal < trganizal ions. AFFILIATED COLLEGES — See Educational institutions. ALCATRAZ ISLAND Aliiiirn/ i in Spanish, Pelican) Island, opposite North i just within the Golden Gate, is the site ol tl is known throughout the armj as "Th< tins is th< ■ place rrom which, it is claimed, no prisoner • ■■ extent, and is safeguarded bj the racing tides ol thi (i would baffle the strongesl swimmer. With its llghthou it has a most romantic aspect t man) points on ll at present confined there, and then to be turned over to the Department ••! Justice and tentlary. The light on Ucatras. is one "i the most powerful In tl It is _'i i feet above mean high water and on ANGEL ISLAND — Received its name from the Spaniards in it - '. "Isia d Angeles." It contains about acres, belonging to Ihi has on its northern side one ol the best equipped quarantii slime is the arm\ p^vt Port McDowell and on the eastern camp. ASSESSED VALUES — i .. i In,,,, menu Pro| >, ear Real I • ite 1907 189,800 1008 [009 1910 I'M 1 1914 1 I'M I I'M 1 UO.H0U.5iH 104 . I 15.11 ■ ■ BAKER'S BEA< II Sniitti p. nt ol west shore ol Presidio to bluffs north ol I BANKS AND FIN \\« I Both the cosmopolitan charactei and tl in its hanks. Here are British, I'rrnch, It Japi Qi inclal Institutions. i ■ In this .17 hanks With nine hi.iin Ins. Willi li I deposits m| Sovembet 19, 1914, amounted I and tin depositors muni hall the p , l he aggregate resources ■ ■ lln than tin ii Kg I rgntc n f all the i latlon, San Francisco stands i rvi lis,, nices ol ill her national hanks, si being e\, . , rli tl in tins i . i»pi . t onl) l»j Pittsbui g. M this w rlting i than equalled the , onihit t omparath e cleat lugs ol thi Portland tie i is tngelea San li .in. i- a ( learlngs for IS1 i Ihus I center w esl ol I i lu mid, i w rlting p .. as one si,, cess d< \ elopmenl cnterprisi - w It ?1 " £&'li, f_^A "Hi r-^S- 1 115 J ir um m ^ — i - m H - a 9 mm jllflt -«■■» ™ *t— • « Mil II MUTUAL SAVINGS BANK ANGLO -CALIFORNIA TRUST COMPANY ANGLO AND LONDON PARIS NATIONAL BANK SAN FRANCISCO THE FINANCIAL, COMMERCIAL INDUSTRIAL Ml. I ROPOLIS 0/ the PACIFK COAS1 BANKS AND FINANCE Continued stood third in the 1 nited States in the transa I in this nspcct onlj bj New ^ < ■ i k and Baltin The San Francisco Chapter "i the \nn • American Bankers' Association) is in the elcvcntl office ; 1 1 1 « I lihrarj a< 1325 1 Irsl National Hank liu Consonant with their Qnancial strength and the npi tion of their old buildings, the downtown 1 beautiful!} housed. Everj visitor sh.,.ii,i n l<»)k in upon them when passing, for thej const It of the rebuilt city, A mi nic 1 \ \ 1 r/OA 1/ B 1 \/> OF S 1 \ Pfl 1 VI ISi Mi fornia ;ni millions, rhe building is Imposing and beautiful. BANK OF IT A LI \t Montgomery and Claj streets Rii bu strictly Italian in feeling, with an Interior Bnlshed In Sieui a branch al Mason and Market streets, m the heart ■■! II CALIFORNIA SAVINGS IND LOAN SOCIETY B01 Vat CANADIAN BAA K OF COMMERCl \i California and L* ol the Canadian Bank "t 1 nerce ol roronto. CANTON BANK \ i hinese Institution, is al COLUMBUS SAVINGS IND LOAA SOCIi T\ 700 Montj CROCKER \ l r/OA 1/ BANR OF SAN FRASCISi is particular!} One. It survived the Ore, structural!) unharmed, but I burned out and had to be renew ed. DONOHOE, hill) BANKING COMPAN\ Montgoi Sutler. I ins I FEDERAL I in SJ COMPANY Pos1 and Montgoi FIRS7 \ I r/OA 1/ BAA' A OF SAA FRAN( ISi M national hank in California, its beautiful building Masonic Temple, 1 l;i VCH BANR OF SAVINGS \t 108 Sutter stt the largest I rench savings hank outside 1 FJ GAZl BANi 1 / OPOl 1/./ OPl RAI A IT ALIAS A Columbus 'avenue. I in- building is mix hand Grecian marble. /./ /; V 1 \ s 1 \ im.s 1 \ 1 1 1 a 1 \ \m 11 1 ) \i ami Kearny. One ol the city's Important savings mst,' tlon scheme, In dim gold and old Ivor) tones, is \ UIBERNIA SAVINGS iND LOAS SOCIETY l in- substantial orguuizal s engaged In the - feature "t the exterior is the dome surmounting Ihr Mi VllUti which is "i handsome design anil is .••\.:..t nltl ■ it its single storj is iimst beautiful and BONG KONG iND s / / i s / . / / » / I; WhIM. CORPORATIO> HUMBOLDT SAVINGS BANK Occupies Its own bul 1 m course ol erection at the t inn ol tin ' at , 83 Mai ket strcel 1 arthi 1 up Mai ' Jones, is tin INTERNATIONAL BANKING i ORPOH I TION — In Ihr Montgomei > streets, is tin San l w hlch it has main Ol ll "l.,l I Olll • • I I I \ I I \ \ I \ llaig Patigian. Notice the bronze doors, designed by Arthur Mathews, their panels representing the Indian, the Spaniard, the American and the spirit "i the new San Francisco. The reception room of the safe deposit department is decorated with a mural painting of St. Francis, also by Mathews. s/ [BOARD N ITIONAL BANK- Market and Steuart streets. SECURITY SAVINGS BANE 316 Montgomery. SWISS-AMERICAI* BANE 12 Sansome street. I \l<>\ I in SI COMPANY OF m\ FRANCISCO -Formerly occupied the location of the Wells Fargo Nevada National Hank, and erected its present building at Grant avenue and Market street alter the lire. This is one of the chief ornaments of Market street. WELLS FARGO ME1 IDA NATIONAL BANK — At the northeast corner of Market and Montgomery streets, is another historic Institution of the city, one of its elements, the Nevada Bank having been founded during the bonanza days of the great Comstock operators, Flood & O'Brien, and Mackaj & Fair. It Long occupied the famous old \e\ada block on Montgomery street at the corner of Pine, destroyed by the fire of 1900. YOKOHAMA SPECIE BANK -Situated at the corner of Sansome and Commercial streets. Other hanks mixI trust companies of San Francisco are the BANKING STATISTICS — BANE CL1 [RINGS San Francisco ranked eighth among the cities of the United States in 1914: 1. New York $83, 018,580, 016 5. St. Louis ?3, 888,851,068 2. Chicago 15,692,828,996 6. Kansas City 3,015,810,567 ::. Philadelphia 7,016,064,214 7. Pittsburg 2,625,925.677 ). Boston -'17.095,070 8. San Francisco 2,516,004,816 Total hank clearings since the fire, 1906 to 1914 inclusive, .$20,438,141,524. SAVINGS BANKS -Number of depositors January 1, 1915, approximately 275,000, with deposits of {200,823,856. NATIONAL n I VZS January 1, 1915: Resources, $234,232,766.20; deposits, $159,876,253.89. COMMERCIAL BANKS- -November 19, 1915: Resources, •*67, 401,596.11; deposits, §41,829,- BOARD OF STATE HARBOR COMMISSIONERS — The present Hoard consists of the following commissioners: John Joseph Dwyer, President; Thomas S. Williams and John H. McCallum, with headcpjarters at the Ferry Building, San Francisco. The only harbor under the jurisdiction of the Hoard is that portion of the waterfront from the Presidio on the north south to the county line of San Mateo. Unlike most of the leading seaports of the United States. San Francisco's harbor front is owned and operated by the public The title of the property is in the State of California and harbor affairs are administered by a board of three commissioners, appointed by the Governor of the state and holding office during his pleasure. Under the law the harbor must be self-supporting and all cost of construction and maintenance and operating expenses must be paid out of harbor receipts derived from charges in the form of rents, tolls, dockage and wharfage for the use of the wharves; switching charges on the belt railroad; from the rental privileges of the seawall lots and "I the ferry and other buildings and for the use of the ferry slips, and other lesser sources. The principal and interest of all bond issues must also he paid out of the Same revenues. San Francisco harbor thus pays its own way, not a dollar coming nut ni tin- pub! ic treasury or taxes. I In advantage of public ownership to the shipping interests is shown by the pro- vision of the law that harhor charges must not exceed the amount necessary to meet operating, repair and construction expenses and redeem bond issues. Aliens and citizens are treated on equal terms. It is estimated that if the present San Francisco harhor front and facilities were owned and operated by private interests. they would he capitalized at leasl for the sum of s250,000,000, and handsome returns could easily in made on thai figure. II is universally acknowledged that the harhor of San Francisco is in its natural aspects one of the Qnesl in the world. In size the baj of San Francisco, with its connecting waterways, is one of the largest landlocked bodies of water anywhere. On the San Francisco side, because of the scouring effects of the tide, the water is very deep, ranging from thirty-three reel at the seawall, which is the minimum required to he maintained l>> law, to from fifty feet to seventy-five feel at the outer ends of the piers. It is admirably sheltered against severe storms, the annual damage to shipping from this source being hut trilling; its extreme tidal range is only ahout eight feet and the mean less than live feet; it offers excellent anchorage over an immense area in con- venient localities, with line holding ground, and, in a word, it is ideal, so far as natural conditions are concerned. It is the terminal point of four great transcontinental railroad systems, ami has behind it and directly tributary to it the two immense valleys Of the Sacramento and San Joaquin rivers, which drain much more than half the productive area of the extensive State of < alifornia. Likewise, the coast lines north anil south of San Fran- cisco are intimately connected with the harhor by important transportation systems, steadily ramifying Into much new territory. The present waterfront line of San Francisco in active use is approximately four 82 SAN I RAM Is. llll. I [NAM IAI IND1 STR] \l. mi. i ROPOLIS BOARD OF si \i i. || \i:i',,,|; < OMMISSIOM RS I mill v in 1 111- p will, until : BOARD 01 I i: \hl SAN I RANI [SI llll. I IWM i\i.. , OMMl l:- IAJ INDUS! RIAL Ml. rROPOLIS 0/ ti CALIFORNIA Dl.\ EL0PM1 \ I BOARD Office lectur. 1 exhibit Markd street. «>,„ ,, 1,. .,,, g , : Here in probabl) the 0n< il r , mineral state, but its orchai 1 • ■il wells, quarries and crmrnl p 1912, |26, mon ! I rann and garden produi Is "'"Hi al 1 ■ nnmiullx I'M 1. Ami for size, qua I ._,, the exhibit ol Ihc Devi lopnirnl H I hi "pi 01 essing" >.i frull •• I its ripe perfection 01 Iglnati .1 in > here, l be result "i Ihelr si li nl If] 1 hi \\ ealth and >li\ ersltj •■! II their finest examples ■■! apples, , ■pricots, melons, grapi 1, uul range, >>\\ inn to the mildness •■! Itu than an) other stair In the I nli 1 l be samples arc shown In lai alfalfa plants have bi 1 n thus . mbalnu the) would in Hi. Held. Tin' object near the • nti am • a hl< h nol large physical relict map ol spreads bef< re > ou all the 1 line ami all the Indentations. Tins map ma) ■ nab It you 1 xx Mil sr\ in mill agricultural land, can . for their sustenam • other rich valleys throughout tin s during the d« adi from 1900 outnumbering her in populal square mile. B< Igium has ■ Illinois 100. I he I ><\ elopment Board v> ami s.nl ami , I in ami opportunll les afforded I •■ publ islus an> . Its annual i I ; had for the asking In addition 11 ol 1 allfornia, illustrated with lantrrn 1 to 1 o"clo< u during thi was ." ;i day. About Dfteen counties send their 1 liar rh< I nx elopment Boat ■! has noth partial and dlsiuti tin Held. ( HINATOWN Situated l" Iv is a city, "i and 1 . ..imii -> . Di. 1 . ran I am asi. 111 Mir III I lissill I ' ami outlandish, .■ I and sand Oriental !•• 1 II ilxx I'll inn among ' 1 1 still kept 11 Held in tin S| rani intent to n ..■HI ' mixx cont im ni almost xx h..i : v tin. ginning 1 smi X ..1 II11 \\ S MIX 1 st. ,1 in II tin world > 1 mil ..f 1 1 mis ■ mis ST MARYS CHUDCH FIRST PfifSBYTEPIAN 01U&CH TEMPLE ISPAEL ^ r\ **' a P «t»r, hi iSI in ??» ft tf -ags ' 1 f ■ « NAN I R \\< is. Mil I l\ \\« I \l.. . 0MM1 R( I VI INDUSTRIAL METROPOLIS i iCIFIl (Hi RCHES \M» RELIGIOI s si |:\|< i s i i e churcbea • •! San I i "' s '"' 1 ranclsi o d . liiil.- creek near which pari "I ih.- Foundation ..i ti,. In lsis ti,, Rev, I Dw Ight li nit was appointed chaplain to the lair. bouse "i worship In (hi church, throve under the m I H Bai row ■>. The first publ ic •-• hool in Sai I Di i ember L''.. 1849, bj John I Calvar) Presbytci - I .n, is Hotel, « ;is ;i s it.il rartoi :. tin \\ llluilll A. ScOtt, Such nun :is Dr. H uiiiv Influent ial as i I org) m< n. I "Old SI. M.i.n-s-' :is it is the labors .>t Lrchblshop Memany, « i that ■ i Padri Junipei o si Ih. s i \.w Jerusalem Church v itreeta, is an architectural ^, m I iii.imi-l I. tin pi . sent ' :il\ .. hollc, Hi- I list l Inn, h of I hi I'irst Congregational, and the m w I street site donated bj the > i •■■ i- • i family. Almost all leading religious d w ,,rsiu|i iii s:ui I rani is, ... and hi Dumber "i the more noted church n.il- 1 is i l nst Baptist, Junction •■( M Square Baptist, Post street, between I illmon CHRIS 1 1 \\ I nst i hrlstlan, Dul avi street, between Scott and Dlvlsadi CBRISTI ( \ SC1ESCI First Churcl streets; Second Church, 2580 Miss it COSGREGATIOSAl First Congregational, P tlonal, Nineteenth and Dolores streets : HEBREW remple I manu-1 I, 414 S el. i ongregat Ion Shi i it li Israel, < iple, < ongregat ion lt< Hi 1st si li l in i; \ \ i irsi English Luthi ran, • l vangellcal I utheran St. Paul's < hun h, I ddj METHOD1S1 BPISCOPAl I rst Methodist F.p III thod isi I ins, ..),., |, o'Fam i I i plsi opal, California and Bi lei , iirst and < app streets. /■/(/ s/, i 1 1 in \\ i ah ai terlan, Van s, ss .,\ . ; boulevard i i ji st :i\, nui i app stn PROTl s/ i \ / / nst «//■ i / ( hurch, ltu-.li and Gough si Claj sti ■ ROM I \ ' i ///"/ /' si Mai ) Mai m,,i, Dolon s st i street, i ins • :is tin oi Iglnal .ni,l l ourth. s ' Ignal us, H i. st, Bonll aci Mission Doloi , s i hun h, Slsti i \ . |., i \. . . churt h has II M\ / /'/ SBORGl ( \ l i;l\l n ( \ l III IU< M <>i l III ll<>l I < n i In VNITARIAS First Ui iii, toml eloquent • In 1 I III, ,11 I -Till farther down ■ / \i 1 1 i< /•/;/ S7I1 // BI \ \ ( hill, h. ' cm 01 I DOORS Ih. n\\ Immlng and \ his Day, a Trtrnuini o| ■ SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST CITS OUTDOORS Continued ride in Golden Gate Park or the Presidio the year round, a walk up Twin Peaks, ;i ramble down the Peninsula, ;i Irip on the Bay, hunting and fishing in Marin County, so various are the forms of sport that the • L\ .i in. nil., i . .iii.I ! h. i! none bul nicmbi rs n i 1:1 II DISC 'I' IDES ' '" VI // ..M.l Guerrero li Building i i . i • I • . ' CALIFORNIA CAMERA CLUB \\ .m.l in mi nil. • rship is Ihi in .I onl) .i i • ii.ii/\ ..us i tin- amateur, w hi i I here is ;i Dne llbi COH UBl \ P \RK BO) S CI B Ol S\4.t si tteenth and Se^ rnteenth. M no dues, bul i" i sonal upon " "in 1 1 1 1 1 . 1 1 1 \ lo assist in athletic and drnn tours !■> ' \ erj rll> and town as far as New York, tin in h;i\ e l.ili l\ n tin III : on sir 1 1 ..is Upton's COMMOS u / \LTIl CLUB OF CALIFORNIA \ Igorous organizal Ion i > • i ti munit) « itii .i view t consull Ihe club's growing i the rooms, « hlch a the) ■ lose -i' 3 p. m. CONCORDIA CLUB M II is located .it t i ■ / I Mil Y CLUB — I the countr) feature to II red* i gi >v< 0L\ Mm CLUB il i mn in tin world I the oldest • • 1 1 • i • lb ..lit b) Ihe i.' building was laid Ma) l life th< * II) hi thirties, through r II .■ml sin h i ■ its' Imrli .'i I, \ I I S ■ • I 1 . || Ralph R : ge It'll III' I lllt.it S 1 Hi. in.. si b< nutlfull) i n pi nl. ..i Hi. |. It. ih. hi i I other in- us ..il ORDl N "/ BAILV II CONDUi TOl /• |l ll a \l Ho CLUB i M1lh.il.. I Willi II" PACIFU COAST I DM Ml BCIAI TRAVEl PACIFH UNION CLUl I nil / /;/ ss .lui urn SAN FRANCISCO-ALASKA ( s i \ FRANCISCO l«l SAN FRANC! I/.1/J I \ b adtng i SAN FRANCISCO COMM 1 % FAMILY CLUB SAN FRANCISCO THE FINANCIAL, COMMER* IAL and [NDUSTRIAL METROPOLIS of the PACIFIC COAS1 CLUBS AND SOCIETIES Continued SAN FRANCISCO LABOR COUNCIL Meets everj i ,,,.. ; ,i tl>. i 316 Fourteenth street. SAN FRANCISCO TURN VEREIS \t 2450 Sutter street, between D Broderick. SIERRA CLUB- This is one of the celebrated mount the second largest in the United States. Its mi icr outings, whirl from almost everj country to Join, offer facilities for mountain climb Ikiii thai would In- unattainable wlthoul it. The club lias its clly Mills building, room 102, where members and visit.., collection of I ks. maps, exchanges and photographs rclntiiif and it also has mountain headquarters, during the months ol i !■'■ Conte Memorial Lodge, Yos t< Valley, when there is a 111 room and where the club's custodian is always prepared t.. furnish about the mountains. SOUTHERN CLUB lias a beautiful home at California and .1 s streets will portico suggesting colonial i a and the "days before th< •■• TRANSPORTATION CLUB OF si\ FRANCISCO Mezzai Door of thi UNIVERSITY CLUB Corner of Powell and California streets. More mi city's younger universitj men can be round lure than a) in San Francisco. UNIVERSITY OF CALIFORNIA CLUB Its home la at 212 Stockton si UNION LEAGUE CLUB Handsomelj appointed quarters al U O'Farrell streets, in the downtown section. Besides these there are the \rm\ ami Navj Club, al 126 Posl street, the I Anglers' Association, al 15 Stockton street, the Concatenated O the Fife building, with a membership ai ig the lumbermen, and mo COMMERC1 \l. ORGANIZATIONS — ADVERTISING ISSOCIATIOli 01 SAN FRANCISCO On January 6, 1 , William V> Mead. Sam Johnston, Rollin Ayres, ired Wheeler, I ".I Scotford Cooper, Louis Eionig and a few other men of like ilk. gathered al the Pi and laid the foundation stones ol the Advertising Association ol San i the organization meeting, called for Januarj 13th ol the san hi San Francisco's need for advertising enlightenment was opened bj th< I advertising men present, in this rani everj advertising interest Local ami national, was represented and Ihe organization was launched In the int< of all. William W lhead was elected the flrsl president. From tins small through the vicissitudes of live years ol development Ihe ■ a membership of 250, and stands todaj the chiel expom nl ol absolute trutl Using, cleanliness in newspaper advertising columns, betterment enlightenment of advertising men. education ol advertising pub the psychical mathematics of the advertising business. Affiliation with tin advertising clubs of the world was made i \^ the flrsl clubs in tmrrira \\ Woodhead, the flrsl president of the San I rancisco Association, was i national organization for two years, during 1914 and I tion are: President, Louis \. ' olton; flrsl vice-president, Granl (! vice-president, Frank n. Vbbott Jr., secretary-trcasuri BOARD OF TRADl OF m\ FRANCISCO Located at 144 Marl Organized to carrj out certain business objects ol its meml l><>\\\ li>\\\ [SSOClATlOlr Formed to consider all subjects tending I welfare of this communitj and especiallj of the retail shopping street and sidewalk obstructions. I" improve the streets meiils and sidewalks and bj Street sprinkling and sweeplll| relating to the protect! i pedestrians where buildings secure the lust possible lire protection and the most • . 1 1 1 1 1 . 1 1 • I • Insui secure efficient police protection and to regulate str< Niters, had cheek passers and oilier violators o| Ihe law. I lighting system. There are two classes ol membersh associate, -i.iiii per month or |10 per year. Officers cons president, second vice president, secretary. Board consists ■'■ .' ! •! an attornej and engineer, and has 225 active meml HOM1 INDUSTRY LEAGUl OF CALIFORNIA Headqua Francisco, lias a membership ol 758 .ntiv. met The objects of ihis league ari I ii si i.. encouragi lh< distribution and consumption ol California made products roster and promote ; iil industries ol the Mat' that development of the natural resources "t California. Mm. I I of this siate to aid in all possible ways in the developn Industries thai maj be successful!} carried on on this , ...ist. p. 1 1 > . . n.i 1 1,., : may become not onlj the gatewaj to foreign industries are carried on to SUCCCSSful issue. I OUrth I civic, conniierci.il. merchants, manufacturers, pi improvement dubs t,. ihe end ol encouraging thi | Industry. Anj individual. Arm ot iiifi properiv in ( alifornia oi interested in Ihe w< for either active or auxiliarv membership Ihe month l.i dm tion includes in its membership Arms and individuals Ihmugl of California, and is State-wide In Its Which Supports \on" imv California mad equal. 91 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST COMMERCIAL ORGANIZATIONS — Continued MERCHANTS EXCHANGE — This organization formerly regulated the shipping, grain, beans, hay and allied trades of San Francisco, but its commercial functions were assumed by the San Francisco Chamber of Commerce when that body was formed by the consolidation of the Merchants Association, the Merchants Exchange, the Down Town Association and the old Chamber of Commerce of San Francisco, in 1911. The Exchange now exists as a holding body for the Merchants Exchange building. ROTARY CI. I'll OF SAN FRANCISCO — The Rotary Club of San Francisco has a mem- bership of about 250 men. Its objects are: To promote the recognition of the worthiness of all legitimate occupations, and to dignify each member's occupation as affording him an opportunity to serve society. To encourage high ethical stand- ards in business and professions and to promote the business welfare of its members. To increase the efficiency of each member by the exchange of ideas and business standards. To promote the scientizing of acquaintance as an opportunity for service and an aid to success. To quicken the intorest of each member in the public welfare and to co-operate with others in civic development. The San Francisco Rotary Club is affiliated with the International Association of Rotary Clubs, this organization comprising some 175 rotary clubs throughout the world. The first rotary club was formed in Chicago, 111., on February 23, 1905. The San Francisco Rotary Club was the second rotary club ever organized and was organized in San Francisco in Novem- ber, 1908. Since that time the spirit of rotary has been general throughout the English speaking world and now numbers some 20,000 members. The convention of the International Association will be held in San Francisco in July of this year. SAN FRANCISCO CHAMRER OF COMMERCE — The offices of the Chamber are on the thirteenth floor of the Merchants Exchange building, 431 California street. Infor- mation about San Francisco can be obtained here during business hours. The organi- zation has over 3,000 members, is the third largest in the country, and the largest body of its kind in the United States in proportion to the size of the city it represents. It is the one central civic and commercial organization of San Francisco, and is continuously at work through its board of directors and its forty standing and special committees to promote the trade and welfare of the community. The Chamber maintains an active traffic bureau, a foreign trade department, a pub- licity department, an information and statistical department, an industrial department where complete and authentic data may be obtained relative to manufacturing in San Francisco and vicinity, a reception committee, a grain inspection department, which grades the quality of grain bought and sold on the exchange and passes on the regularity of the warehouses in which it is stored; arbitration and appeals committees, before which commercial arbitrations are conducted; a domestic trade extension com- mittee that has conducted jobbers' and manufacturers' excursions all over California, and a national and foreign affairs committee that watches the trend of national legis- lation and diplomacy and its possible effect on San Francisco, through a special Washington bureau. Few cities have such concentration of civic and commercial function as this. The Exchange Hall of the Chamber of Commerce is on the ground floor of the Mer- chants Exchange building at 431 California street, and here is conducted the trade of the city, and of the state as well, in barley, oats, wheat, flour and beans. The transactions take place at two sessions a day; from 11 to 11:30 a. m. and 2 to 2:30 p. m. This is the hall in which, on April 28, 1910, amid a tumult of enthusiasm such as few cities have ever witnessed, citizens of San Francisco subscribed over four million dollars in less than two hours as a beginning for the Panama- Pacific Exposition. SAN FRANCISCO REAL ESTATE ROARD — Organized February 16, 1915. As stated in the by-laws, the objects of the organization shall be to secure for its members (both active and associate) the benefits of united effort and concentrated power, to the end that the evils and annoyances connected with the transaction of the business of deal- ing in real estate shall be abated; to promote good fellowship and fair dealing; to protect its members and the public from irresponsible, unprincipled and dishonest dealers; to promote the enactment of legislation for the protection of property rights and interests generally, and for the safeguarding of all transactions and dealings pertaining thereto; to secure proper legislation governing the transactions of real estate brokers generally; to appraise real estate for any and all purposes for which appraisements may be desired, and to do any and all things else in its power which may tend to upbuild the stability and the dignity of the business of dealing in real estate. In 1910 the Real Estate Board established the Appraisement Department for the purpose of making valuations upon real property in San Francisco. Each valuation is passed upon by fifteen leading brokers, and this department is today recognized as an authority. The membership of the board has largely increased since its organi- zation until today it has on its roll the names of practically every real estate broker in San Francisco. The Hoard has succeeded through the co-operation of its members in establishing itself as a power in the community, and is recognized as one of the leading organizations of San Francisco. It is at all times alive to the interests of the property owner and taxpayer and through its efforts in many instances large sums of money were saved to the taxpayers, not only in this city but in the entire State of California. Through the Board a higher standard of dealing has been established among the brokers, and the efforts of the organization are constantly directed toward the protection of the public from dishonest and unscrupulous brokers. The officers for 1914-15 are: O. C. Stine, president; (to be elected), second vice- president; T. L. Henderson, treasurer. Board of directors — Samuel G. Buckbee, T. L. Henderson, R. G. Hooker, Emile E. Kahn, A. E. Ladewig, Louis H. Mooser, R. C. Newell, Chas. T. Spader, O. C. Stine, Guy T. Wayman, and William Rasil White. Leslie E. Burke, attorney and secretary. SAN FRANCISCO STOCK AND BOND FXCIIANGE — Since its foundation in 1882, the San Francisco Stock and Bond Exchange has made wonderful strides in developing the i)2 SAN FRANCISCO THE I IN \.\< l\i.. < OMMER( I \l INDUSTRIAL METROPOLIS of the PACI1 l< I OAST COMMERCIAL ORGANIZATIONS Continued mediums ror conducting business transactions nol onlj ror the commui Francisco bul ror the whole State ol California. It consists ..I II. hers and j eleven bank members, man) ol whom have close connect York, Chicago and all the Important Eastern markets tor stocks iiihI l- ..-i- h ol the institution is to gel Into close touch with all th. to make tins Exchange as prominent as anj ol the [Eastern si »n Francisco Stock and Bond Exchange Is open to the public durl held morning and afternoon. SAN FRANCISCO STOCR EXCHANGl Organized on September 11, IM2, m name ol the San Francisco Stock and Bxchai nently Identified with the financial business ol the P regard to the mining and oil Interests. It is the second oldest nature In this country, the New York Stock Excl (dating it i The San Francisco Stock Exchange lias been associated with some ol tl and romantic episodes In tin- historj ol San Francisco and the I' during the period of the Civil War, the great bonanzas ol Ihe ■ omstoi the eyes of the world upon these famous sliver mines ol Si scene of the nmst remarkable excitement which has ever attended lh< sale of mining shares In the historj ol the mining world. In the earlj days of this citj the energies ol the Stock I \. hi tu trading In shares ol the < omstock Lode, and man] or the si prom of the West, men whose names are Interwoven with the upbu Coast, were the leaders in the various fluctuations ol the market whl< maintained the attention of practical!] everj speculator In the t nit. i wire the big four Mackey, Fair, Flood and O'Brien guiding the destl market, and such nun as William < , Ralston, James i; Keene, lai i i William Sharron, Robert F. Morrow ami countless other giants in tin fighting their battles on the Boor of tin- old Board, The tide of prosperity was reached during the famous deals In th< stocks bounded from a few cents to hundreds ol dollars per share upon tin of the great bo nan/as. and while there have been man; >•< long periods of adversity, nevertheless the San Francisco Slock I *cl is still the leading mining exchange oi the world, and maintains n | in the Qnancial business of this city. When the Comstocks had ceased to attract the attentl i the public, and the mining stock business of the coast was at its lowest ebb, thi disco vi and Goldfleld created new life, culminating in the great I m ol run. win. lowed the discoverj of the wonderful b nza in the Mohawk mine at From 1900 to 1907 the business of the Board reached verj large proportions millions of dollars were made and lost i,> men who followed Ihe mining busines good old days of '73 and '78 were reproduced on a smaller si At the present time the oil Exchange has been amalgamated with the S Exchange Board and the Institution is now known as the s.m i Exchange. In 1913 the clearing house ol the Exchani i a loin I volun business amounting to 11,300,942 shares of a value ol lit. II 1.15.1. and in shares worth $16,103,664. Ii should lie noticed thai brokers on tins i a considerably larger business than is represented h> these Qgures, as man) oi the transactions are made directly with Eastern points and do nol pass through Ihe clearing house. It is anticipated thai In 1915 the clearing house will 120,000,000 in business, the improvement resulting from recent important sti in the Tonopah and Goldfleld mining districts "t Nevada ami to tin manifested In mining speculation. Strange as it maj seem, the control of these wonderfull) rich Nei whose shares are traded OH the I KChange have passed Into till hands capital. The ownership of the lo^ mines is now vested in \. w v.ik. p| Pittsburg and Chicago, and the business of the Million I \cll orders received from distant points In the I n-ithsttiuding tins i..,i, ii Francisco Stock Exchange is s,i flrmlj Identified with Ihe mining i United States thai it is todaj a general clearing house for mining part of the countrj . It will perhaps surprise manj to know thai this modesl and unassuming Instil | handles a l.iisiuess ol a| i| u 'I • \ I n i a I e I \ |20,000, I Is sldl reputatl i San I ranclsco as the mecca for the mining Ind COMPARISON OF PACIFIC COASM CITIES FOR 191 I p. ipi i \ i ii >\ i - - . Citic san Francisco Ill I. os Angeles 319,198 1.1 i Seattle l':::.ivi Portland 207,21 t 216,048 I'm ■! I I >l lni|- trin uon by S San Francisco Los Angeles Seattle I 1.415 I oi Hand 8,101 t 1,24 I It will be noted 1 1 on Ihe al • oast eities. hut in bank clearings and three largesi coasl cities. Ml li^n- SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST CONSULS LOCATED IN SAN FRANCISCO — Argentina Boutwell Dunlap, Vice-Consul, First National Bank Bldg. Austria-Hungary Dr. Fred. Freyesleben, Consul-General, 311 California St. Belgium Francis Drion, Consul, .'ill California St. Bolh ia .Carlos Sanjines, Consul, 58 Sutter St. Brazil Archibald Barnard, Vice-Consul, 625 Market St. Chile Vrturo Lorca, Consul, 311 California St. China S. C Shu, Consul-General, 019 Kearny St. i olombia Francisco Valencia, Consul, :S11 California St. Costa Rica Dr. P. de Obarrio, Consul-General, 510 Battery St. i una B. C. Puyans, 58 Sutter St. Denmark 0. Wadsted, Consul, Mills Bldg., Montgomery St. Dominican Republic. . .John Barneson, Consul, 310 Sansome St. Ecuador hum Chavez Mesa, Consul-General, 311 California St. France I. Neltner, Consul-General, 108 Sutter St. German Empire Franz Bopp, Consul-General, 201 Sansome St. Great Britain Alexander Carnegie Boss, Consul-General, 268 Market St. Greece Richard de Fontana, Acting Consul-General, 693 Mission St. Guatemala Juan Padilla Matute, Consul-General, 460 Montgomery St. Honduras Fimotco Miralda, Consul-General, 460 Montgomery St. Italy Ferdinando Daneo, Consul-General, 460 Montgomery St. Japan Yasutaro Numano, Acting Consul-General, 221 Sansome St. Liberia Bay P. Saffold, Consul, 568 Golden Gate Ave. Monaco Bay P. Saffold, Consul, 568 Golden Gate Ave. Mexico B. P. Negri, Consul-General, 519 California St. Netherlands H. A. Van Coenen Torchiana, Consul-General, 663 Mills Bldg. Norway Andreas Bjolstad, Acting Consul, 214 Front St. Nicaragua A. Canton, Consul-General, 311 California St. Panama Uejandro Briceno, Consul, 510 Battery St. Paraguay Eustorjio Calderon, Consul, 561 Hyde St. Persia Harry Thornton Moore, Honorary Consul, 525 Market. Peru Enrique Grau, Consul, 510 Battery St. Portugal Siamo Lopes Ferreira, Consul-General, 330 Front St. Bussia Ambrose Gherini, Vice-Consul-General, 461 Market St. Siam Henry (i. \V. Dinkelspiel, Consul, Claus Spreckels Bldg. Salvador E. Mejia, Consul-General, 460 Montgomery St. Spain C. del Valle de Salazar, Consul, 817 Pacific Bldg. S\* eden William Mason, Consul, 268 Market St. Switzerland John Freuler, 440 Montgomery St. Turkey Maurice A. Hall, Honorary Consul, 250 Powell St. Uruguay O. M. Goldaraeena, Consul, 4 Columbus Ave. Venezuela Joseph L. Eastland, Consul, Merchants Exchange. CONVENTION CITY — Three factors combine to make San Francisco the most inviting convention city on the continent: The hundreds of modern hotel and apartment buildings, which have replaced the old dwellings throughout the burned district, and which offer the maxi- mum of comfortable accommodation to the largest gatherings; the mild winters and cool summers, insuring vigor of body and mind the year around, and the great Audi- torium which the Panama-Pacific Exposition Company has built in the Civic Center at a cost of a million dollars, and which is the finest assembly hall the skill of modern architects can evolve. In addition, San Francisco is the main point of departure for the famous scenic beauties and wonder places of California, such as the Yosemite Valley, lying due east of this city; the Big frees, in the vicinity of Yosemite; Lake Tahoe, a little northward; the Glen Alpine region and Desolation Valley, one of the later recognized regions of mountain grandeur near Tahoe; Mt. Shasta, in the northern part of the State; the Geysers and Petrified Forest, in the Coast Range near at hand; Santa Cruz and its Big lice grove, within 116 miles, and Mt. Tamalpais and Muir Woods, just across the northern army of the bay — to say nothing of San Francisco Bay itself, fully as beautiful as the Bay of Naples. No other city presents such attractive conditions for the gathering of convention delegates and their families. COSMOPOLITAN METROPOLIS — You can eat a meal "cooked in any language" in San Francisco. It is a cosmopolitan seaport, the Chinese quarter, commonly known as Chinatown, is the largest Chinese city outside of China, with a population of 10,582 in 1910. This is one of the unique show places of the city. A telephone exchange, run by Chinese girls who memorize 1,500 Chinese subscribers by name instead of using the numbers, is something that will not be seen anywhere else. The Japanese, Greek and Italian or Latin Quarters 94 SAX FRANCIS* l l l III. I IN \\« l \| . i OMMI R( I \l INDUSTRIAL Mil ROPOLIS 0/ tht PACI1 l< COSMOPOLITAN METROPOLIS I ontinued are all of Interest Newspapers are publ Greek, Chinese, Japanese, Swedish, Hams! French, German, 1 hln< ie, Japanese, Italian, i are .-ill located In San Francisco Native il In ; in the restaurants "i Pri Germany, Sp San Francisco has the largest French Hospil France. Fisherman's Wharf, at the end ol Join Italy." The real Mediterranean .d nc .-.j.i. awaj from the original. The little ■ ioi unit} Hunt. to a fe* years ago the < hinese New ^ ■ mony, but since the Republic has been fbi I tin as the '»l< Impn \ i> 11I. Iimw i\ er, that San 1 rani 1 ell stales Census oi 1910, iO i" r cent "i the i" pulation » were foreign born whites, and onlj 8.4 i" 1 cent Indian, etc Onlj 'J.i pel cent ol ili<- persons 10 Californlans are proud "i their State, and wh organization "i Its Native Sons, the cosmopolitan Ism emphasized bj the fad that • > t • 1 residents • wins on his merits and the Easterner sooi 1 CRUDE OIL — Sic- Producl ■••11 "i 1 al Ifornla. DAILY AND POULTRY — Sec Producl Ion "t Calii ornla. DECIDUOUS FRUITS See Producl Ion "i < alii ornla. DISTANCES FROM SAN FRANCISCO i<> DOMESTI4 PORTS Place, Miles. ' ape Flatters Kotzebue Sound Columbia River Nomi Douglas Island I ■ . i Glacier Baj Golofln Baj 2 Sitka Grays Harbor si. m.. ha< Is Honolulu 2,100 I nalaska Juneau DISTANCES FROM SAM FRANCISCO I" FOREIGN PORTS Place. Ml Acautla Acapulco I Marshall 1 Adelaide Marqui sai Isl Antofagasta \|>>a urnr Auckland M< lu Isbane i mkl i alcutta 1 ai lao Cape San Lucas \riimr 1 . 1 1 1 . 1 • . w n • hampi rlco 1 oronel l in Islands Galapagos Islands (.nam Guayaquil S)di • v Guaymas Hiogo II.. I. ail Hongkong . w . Iqulque DISTANCES FROM SAN FRANCISCO l" EASTERN \nd FOREIGN POR 1 S, DILI < 1 Wh \ l \ PANAMA « IN VI Antwerp l 1 Boston I 1 ( onstantlnopli Genoa Hamburg Havre DOWN TOW N \ssi .i I \ I [QN Si I Cor mi/al LUIS. j£ a DRILL OF CADETS ~ UNIVERSITY- OF CALIFORNIA ^ r%iuiiii LIBRARY- STAMFORD UNIVERSITY PANORAMIC VIEW of STANFORD UNIVERSITY SAX FRANCISCO THE FINANCIAL, COMME1 INDUSTRIAL Mil ROPOLIS 0/ f/n PACIFK COAS1 EDUCATIONAL FACILITIES Earl] s:ui Franciscans who wished I" put lh< Honolulu, luit California has probabl) adva tiuii than an) other phase "i development, ond 1 must progressive Eastern states. The disbursement ••: is heavier than for :ill other Items combined 1913-1 I. The two great unlv< rsities and worn* in suburbs ol S;ni Francisco, while In thi obtained In :il si everything teachable, from n iIm universities is free t" citizens "i the State. The public free school system "i s.m i four high schools whose graduates <;in mati examination. This was the liisi cltj In the I nlti i tun Igal ion. There Is :i One Ih^li Si l i <-t ' omn is conducted bj one <>f the must p Polytechnic College, the Wilmerdlng Scl i ol in.i. School "i Mechanical Arts (endowed b) J ami Training for Girls, are unexcelled, rhesi an all There are business colleges, dramatic schools, arl school "i Musi,-. \ikI in the suburbs .hi excellent acadeti for Boys, :ii Belmont; Mt. ramalpals Military v ii id- scl is and seminaries for young la The professional schools oi San I ranclsco hoi I /:/ LMOh 1 S( //""/ Belmont, < al. /:/ s/ s \i; 1 si HOOl ( .,i,i,. 1 ,,,., B nd Poll »b BOONE'S 1 VIVERSITl SCHOOL 2029 Duranl avenue, i CAL11 ORNl I 1 ,01 i i Gl Ol OPTOMl TM Mt M I CALIFORNIA SCHOOl Ol IRTS IND CRAFTS I i ILIFORNIA SCHOOL OF HECHANH W W; / s Slxl Francisco. CHILDREN'S HOSPI1 M California and Mapli il CHRISTOFFERSOJk \\l\ll<>\ si //mm/ m: COGSWELL POLYTECHNIC COLLEGl rwenty-slxtl II COLLI '•/ OF iCCOVNTING 931 ll- arsl build COLLEGl OF PHYSICIANS IND SURGEONS l 'harmac) departments. DOMINH i \ COLLI Gl San Rafael, « al. DRl R s i n \i BING S< HOOl nihil) BUSINESS COLLEGl Mission Bank bul I i, \i I IGHER HARSH Bl SINESS COLLEGl 12 I Marl i.i i;\i i \ HOSPI1 \l I ourteenth and Soe sti GREGG SCHOOl Ol SHORTHAND Grant bulldini ii \ii\i \i i \ \ //ms/'// i/ ( allfornla and Ma| HAHNEMANS Minn \i COLLEGl OF TBI PACIFK homeopathic. // I s//\(,s COLLEGl m I III LAW I ui\ i ■!■■» 1 1 \ ,,i Callforn la. /// ILD'S Bl SINESS COLLEGl Van Ni in n //( mi n mii 1 1 \i;) \i IDI Ml Sa / t \ / //ms/ / / i / \\ , bsti i and « la) sti LELAND STANFORD JUNIOR VNIVERSIT\ DKPARTUKX1 per Medical f.< \nsih librar) In thi i untry- I i \ SCHOOl OF INDUSTRIAl TRAINING I ranclsi o. M i /,'< ONI H tRl LESS s ' HOOl >C Main si \/, /im\v / / / si //mm/ OF CUTTING HcA'l / / HOSl 1 1 \ l Plni ind Hyd HI RGl STHALER LlNOTYPl SI ttOi w/ss /./ win {RD'S Si HOOl w/ss HAMLIS s si Hi ii >J w/ss // i s/w \ s s- HOOl i SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST EDUCATIONAL FACILITIES — Continued MISS HEAD'S SCHOOL — 2538 (banning Way, Berkeley, Cal. MISS RANSOM'S AND MISS BRIDGE'S SCHOOL — Highland avenue, Piedmont, Cal. MISS WEST'S SCHOOL — 2421 Fillmore street, San Francisco. Mi. TAMALPAIS MILITARY ACADEMY — San Rafael, Cal. MlNSo\ school OF SHORTHAND AXD TYPEWRITING — 150 Post street, San Francisco. PARK HI DIM; SCHOOL — 2934 Fulton street, San Francisco. POLYCLINIC POST GRADUATE MEDICAL DEPARTMENT — Of the University of Cali- fornia, 443 Fillmore street. POLYTECHNIC HIGH SCHOOL — Frederick street and Arguello boulevard, San Francisco. SAN FRANCISCO BUSINESS COLLEGE — 908 Market street, San Francisco. SAN FRANCISCO INSTITUTE OF ART — California and Mason streets. s I \ FRANCISCO SHOW CARD SCHOOL — 915 Van Ness avenue, San Francisco. SAN FRANCISCO UNIVERSITY SCHOOL — 2264 California street, San Francisco. S l \ FRANCISCO VETERINARY COLLEGE — 1818 Market street, San Francisco. SNELL UNIVERSITY — 2721 Channing Way, Berkeley, Cal. ST. FRANCIS HOSPITAL — Bush and Hyde streets, San Francisco. ST. LUKE'S HOSPITAL — Twenty-seventh and Valencia streets, San Francisco. ST. MARY'S HOSPITAL — Stanyan and Hayes streets, San Francisco. ST. WINIFRED'S HOSPITAL — 1065 Sutter street, San Francisco. TAYLOR'S NAUTICAL SCHOOL— 510 Battery street, San Francisco. TRINITY SCHOOL — 840 Stanyan street, San Francisco. UNIVERSITY OF CALIFORNIA MEDICAL DEPARTMENT AND HOSPITAL (Formerly Toland Medical College) — -At Affiliated Colleges, Parnassus avenue, opposite Second avenue. Here are also the departments of Dentistry and Pharmacy. U. S. NAUTICAL COLLEGE — 320 Market street, San Francisco. WESTERN SCHOOL OF CARTOONING — Phelan building. WILMERDING SCHOOL OF INDUSTRIAL ARTS — Nineteenth and Utah streets, San Francisco. EDUCATIONAL INSTITUTIONS — UNIVERSITY OF CALIFORNIA —At Berkeley, Alameda County, across the bay from San Francisco, and about a forty-five minute ride by ferry and suburban electric train. The University of California is one of the foremost American institutions of learn- ing. Its graduate astronomical department is the Lick Observatory on Mount Ham- ilton, where Bernard discovered the fifth satellite of Jupiter. Its College of Agriculture was (lie lirst agricultural experiment station established in this country, and enlisted the services of such eminent students of the subject as E. W. Hilgard, long recognized as the world's greatest authority on soils, and E. J. Wickson, a leader and an authority on horticulture. The Le Conte brothers, John famous as a physicist, and Joseph as a geologist and one of the earliest teachers of evolution, spent their productive years in the faculty of this university. Frank Norris, the novelist; Samuel E. Moffett, the publicist, and Josiah Hoyce, the philosopher, studied here, and Edward Rowland sill, the "poet's poet," was an instructor in the English department. Jacques Loeb, I be greal biologist, was a member of the faculty. All over the world — in Alaska, China, South Africa can be found the graduate engineers of its famous school of mines. Tuition is free to residents of California, the institution being supported by the State and by private endowments. Non-residents of the State pay $10 half-yearly. Expenses In the college town of Berkeley are comparatively light. The university is coeducational. In 1913-1 1 the enrollment aggregated about 7,000, the largest in the country with the single exception of Columbia. The Summer School at the University of California is the largest of its kind, and it attracts more than two thousand students every year, from all parts of the United States. The tuition fee is $15, and there are laboratory fees in some of the courses. The site of the University is a noble expanse of 520 acres in the rolling hills of Berkeley, looking over the Hay of San Francisco. The town takes its name from the institution, and the institution from the great transeendentalist, the Bishop of Cloyne. AFFILIATED COLLEGES — Located on Parnassus avenue, facing Golden Gate Park from the background of the Sutro forest, built by the late Adolph Sutro and now a part of the University of California. Here are the University's Colleges of Dentistry and Pharmacy and the Medical School, to which is attached the University of California Hospital. /// VRSI CREEK THEATER — The world-famous Creek Theater, gift of William Ran- dolph Hearst, lies eastward of the main building, in a hollow of Charter Hill, once known as Hen Wedd's Amphitheater. It seats 8,000 people, and here have appeared such artists as Scbuniann-Heink, Cadski, Nordica, Tetrazzini, Bispham, Wullner, HetchinikoIV, Heel, Adele Verne, Josef Hoffman, Myrtle Elvyn, the Ben Greet players, Constance Crawley, Nance O'Neill. Maude Adams, Margaret Anglin and Sarah Bern- hardt some nl the greatest players of the world, in their greatest roles. 98 SAN FRANCISCO I ill. I l\ \\< I \| . < OMM1 Rl I \ I INDUSTRIAL Ml. I ROPOLIS 0/ tht PACIFN COAS1 EDUCATIONAL [NSTITUTIONS Continued II LAND SI I WORD I V/l I RSI1 I M Palo \ I of San Francisco. This Institution 1-. ■ i>..mi ol pride with ■ younger than Ihe 1 niversitj ol (lalifnrnhi in the- world "I education. Its great endowment ol fai is teachers. Its teaching stall is • ol the educational, bul the number of women students is Mm The universitj is 1.,, ,1, .1 ,,,, the "Palo Alt 1 ford, liy whom and ins wife, Jane l athrop Stni Leland Stanford, Jr., who died in Ins sixteenth acres, partis rising Into the foothills ol Ihe S full college course offered are here, and tuition 1 Guild fee of -i, half-yearly, and charges in tin I In 1913-14 the number of students enrolled Mission style ol architecture has been employed on 11 Memorial I hurcfa bears on pediment and h I mosaics In the world. The I. eland Stanford Junior Museum, contali lections of the universitj . is situated a quat the Quadrangles. It grew from the collection begun I is preserved the skeleton ol the great sire ol h Interest to breeders, rheri ar< also Interesting art, and the Hi Cesnola collect! 1 Greek and Roma MILLS (oil 1 1,1 (formerlj Mills Semlna tuated In I Oakland, about an h 's ride from San |: cluslvel] for women wesl ol Ihe Rock) Mountains. H \\ est ; 1 rom Brll Ish i olumbl 1 lo San 1 Matriculation requirements are the sat Stanford. The college grounds, secluded yel and ttftj acres ol charming country, with green lawns, ; w oodland and beaut i 1 ui sin ams. EXPORTS \ND IMPORTS \l SAN FRANCISCO ro Wl> I |;m\| COUNTRIES Prom 1 S \l I .111- 1 Ml Ol 1 >i -ns\ nos rut 1 • 1814 tin $ 1 1 l'. Ill' .I'M HI Nrlhi |t| l/ll 11 S41 1 HI Bl 1.1 in 1 British India Bi So Vfri 1 1 1 i.Vi's ' 1 .11 inda ii' • l'lllh|i| 1 . r Inn 1 .111,1 1 Colorahi 1 ■ Id. .1 1 ui. 1 1 ' '. \\ • 1 1 loll. • 1 1 '. '.ill irk • Dill. Ii 1 1 1 I11I, Ii 1 .111 111 1 Din, h \\ .1 1 ii.lo 1 . 11 i.|..r • • 1 1 1 ml mil 1 ■ 1 , 1 . • 1 Ii. 1 • 1 ' '..11 1 ..1 11 1 1 ,.1 ill mil 1 Ihiii.lur 1 . II Kong lUl) • I I, ScatUe SAN FRANCISCO -THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST PRISCIPAL ARTICLES OF FOREIGN EXPORT FROM SAN FRANCISCO BY SEA — 1914 Cotton, Ravi J7.444.148 Canned Goods: Fruit . . $4,582,688 Sab 3,411,581 Vegetables 438,385 8,432,554 Coal Oil 7,080,844 Barlej 6,488,760 Prunes 1,079,284 II 1,505,055 Furl Oil 1,895,820 Dried I'niiK: Dried Ipples 87,260 Dried Apricots 143,691 1 tried Peaches 188,876 719,327 Raisins 551,812 I Either : Sole 293,092 ( MIkt (not including Boots and Slides) 448,737 741,829 Lumber 2,029,344 Iron Manufactures l .012.386 PRINCIPAL ARTICLES OF FOREIGN IMPORT AT SAN FRANCISCO BY SUA 1914 1!)I4 Raw Silk $28,130,357 Olive Oil $973,646 Coffee 5,077,914 Coal 899,592 Tea 2,742,492 Manila Hemp 693,908 Burlap 1,597,369 Copra 639,970 Rice 1,515,231 <:it;ars 531,906 Bags 1,480,458 Cheese 488,844 Tin Ingots 1,394,171 Vanilla Beans 365,026 Nitrate of Soda 1,146,677 From I niied Stales Custom I louse Records Exports from San Francisco to Foreign Countries, the Atlantic States and Exports to Foreign Countries. \ us-! Ion i [i.i hi s Territory. 1914 $111,521,675 1914 $64,284,092 1913 ... 111,021,603 1913 69,670,853 1912 ... 95,473,340 1912 54,707,850 1911 ... 85,445,970 1911 43,427,033 1910 ... 65,008,518 1910 35,773,746 I'm i ... 57,221,596 1909 30,431,489 1908 . 48,464,161 1908 30,738,610 1907.. 4ii.a71.790 1907 29,838,469 1906 49,562,403 1906 33.470,478 1905 61. !Hs,. 505 1905 46,888,504 I '.hi I 56.661. is 1 1904 88,119,692 1903 51,552,249 1903 31.772,11:! 1902 47. 601, 122 1902 37,095,030 loin . 41,638,410 1901 36,784,072 FARM ANIMALS — See Production of California. FARM PRODUCTS — See Production <>f California. FEDERAL RESERVE BANK — District No. 12, with headquarters at San Francisco, embracing the States of California, Oregon, Washington, Idaho, Nevada, Utah and part of Arizona. The Federal Reserve Act was passed in December, 1913, and the twelve regional hanks provided for were organ- ized November 16, 1914. Each Of these regional hanks is managed by a hoard of nine directors, six of whom are chosen hy the member banks within the district. Three Of the six are men of hanking experience, the other three represent commercial, in- dustrial and agricultural interests in the district. The other three directors are appointed by the Federal Reserve Board at Washington and represent the Government. This Federal Reserve Hoard is the head of the system, occupying a position of over- lordship and appointed by the president of the United States and has as its function the general supervision of the entire system, comprising twelve units united under one leadership. In all matters of general policy the Federal Reserve Hoard at Wash- ington is dominant, but in the control of discounts and deposits and of the ordinary routine of business the banks are managed by their own directors. It must not be misunderstood that the Federal Reserve Ranks are merely emergency banks to be resorted to for assistance only in time of abnormal stress, nor that they are additional banks which should compete with the member banks. C.ontrarily, the function of the Federal Reserve Rank is to help the public by assisting the member banks. Its duty is plainly not to await emergencies but by anticipation to do what it can to pre- \i nt them. 'Ibis system has been the most far-reaching beneficial change made in the held of American banking, and has already produced results of the most noteworthy character-. Its potentialities are vast and should contribute immeasurably in the future to the solidity, stability, and flexibility of the American credit system. 100 SAN I R \\< [SCO l III. I l\ \M I \l.. I OMMERl I \i [NDl STRIAL Mil ROPOLIS ■ tht PACIFK I I [SHERMAN'S WHAR1 I In- base for the fishing their llvelil l hj • ■I the men make iius om ol tin p FISH INDl M R1 See Product lou "i ' alirornla. I OR I M \S(.\ \M» I III I I: \\SI'M|; I |,, || KS I he I nited States mllltoi > i • • ■i the manj beaut Iful spots . s« i Black Polnl < ove, and i rom Ihr wonderl ul panorama ol bnj and h broken coast, ol which tin lovei enough. I he P t pi oJ« Is well lulls clear ar id to 1 1 Idcn (inti mil I Fori Mas s the site • •! II the Signal < orpa depot, the Mi dlcal s The residences "i the department comn largest quartermaster's suppl) depol In I l iiiiri i> « esl w .11 'I an tin Pnnun ul the amphitheater known as Harl \ Projecting northward Into the channel, wi Transport Docks, the onl) transp i .• i\ eminent. These Ihn .1 ml i In- 1 1 Mt. i om 119 reel hi w hIIIi. « iili i Mini i a ii I Inea "i i - k. In earl) da) i Black Polnl a as along the east side ol the polnl which ni the division commander's stall were "man ..ill residence "i I .eonidus Haski i in lln- duel w itli J I OR I IK< i">\\ I II. S< • \ Dgel Island. FORI Mill /i See i.i in l '.ii k. Ill: CENTER s;in I rani Ikco has been foi States, liilnii.il> to Maaka and the \ miii Not I Ii ;itnl conl iHH"iis to these countries gravitate In s.m I ■ legend "i the picturesque whaling buslni I I "Nt. i 'or almost hal f a ci ntui > . Ihi 1 1' hi i s.i 1 1 Francisco and crept up tl ii"»1 II touching Polnl Barrow, which Is Ihr most t Ii is .hi interest mu t.u i that .it Point i erl) i" I"- found In Ihe West 1 1 ading slot Ion ow mil bj a San Fi ..I these northern \ oj agi urs lln In .i\ r w haling and ti tribute i" one "i Inn > ■ II,. public Ol largl Omul. I l.. i. .1.1. Ili.it tut- establishments hn\ i be proud. GOLD1 N GAT1 P VRK i in Stan) -in stn et, Ihi \\ .i\ on Ihe south u Ide, l" i weci i li. ik. -t -■ in proi Idlng iii< pi waterfalls ol Ihi i ■■« n. » Ith i \ Isis III Ml\ •■' hi ' \ i i mil. iius long (I their summits, nil handball rts, i to be round any when i Ihli w ul.- .nut an mil. > M.isk.lll through the North I'ulii fern of Hawaii I I tin world, H IISC Hum pai k I lovers "i k i h rides Ihi In Idle paths l ntering b) thi stone and lib ..i the ■ redil 101 CLIff HOUSE ^fS Cflc^ MODEL YACHTS ohSPRECTCIS LAKE SCKNKS I\ COLDKN CYTE PARK S\.\ FRANCISCO THE FINANCIAL, COMMERCIAL IN I) I SI RIAL Ml. I ROPOLIS of the PACI1 [4 COAS1 GOLDEN GATE PARK Continued McLaren is recognized abroad as one ..i thi has been put In charge .if Uie land The Conservatories contain .1 greal collect cycads, lycopoda and a profusion ol Dowering thmus I. eastward <>i the Conservatories is the Krlz dowering aloe. There is usuallj a "centurj plant" In I gorgeous pheasants, cockatoos, Uaskan ptarmlga ■ it' winged Hi'-. Beyond the Aviary, southwrstwtirfilv, is I taining what "Buffalo BUI" declared lo b< one ..t the I in existence. South ol the Buffalo paddock, turn back on I ward. At this ciici ..I the Park, Joined bj » inding 1 the baseball grounds, the croquel Kn.1111.ls. the bowling t.is with Hi.' playground apparatus, donke) drlvi Lake AJvord with its fountain is opposl e the lialgl the Park. The Bear garden c mtalns s..m. flne specimen*. N the Deer park, and farther on the Arboretum. Bcyoi is the large glen where range One herds of Klk. ihe nol perfection, ror California is his natural home. 1 veryom »hou Museum. Broad steps lead down t.. the Boor ol shades before the Temple "t Music, the Sir a flne band. The Temple of Musi.- is the gifl <>t « laus Spr« k. Is. In the Japanese Tea Garden have been exercised lovers. Tinj rivulets, Intrlcatelj cramped uiul i..'i:..i linn waterfalls, and then quiet down int.. lim|>i.l little 1 ., k. . - and stepping-stones. Iboul tln-ir margins stand Buddh pottery, and old bronze cranes forevei peering for iisL and cedars stretch level arms ab benl back, bound down, contorted, distorted, artlflciallzed Into tuns and l i\ Ing ornament. Stow Lake, beyond the Japanese garden, is nol onlj a I 1.. quite remarkable engineering. 11 .-.insists ..1 .. broad sheet the base of Strawberry Hill, il's feel high, which is thercbj turned Int. accessible bj t\\" bridges. Dlrectl) north "i Stow I ..k. 1 looking the Main Drive, stands the Prayer Book • ross, "i 1 11 is a massive piece "i masonry, fort] feet high, and wa late George W. Childa of the Philadelphia Publl 1 plscopal Diocese "t Northern California, lo commrmnrntr tin- iirst r. in the English language on the Pacific < '-..st, held b) Drake's the shore • ■! Drake's Bay, north • •! the Golden Gate. Nothlnf beaut] ..I Lloyd Lake, with its graveled margins and t1"«' tin- Past think.. I bj Irish yews, .in. I reflected from its stiii your right, near the Main Drive is you travel westwa th.- A. V Towne residence, on Nob Mill. on.- can leave th.- Main Drive beyond th.- Qrsl bend west bridle path to the lefl and reach the Stadium, wl bridle path will take you back to the Main Drlvi flne shed of « ater, \\ here one can Drive still westward one emerges on 11 windmills and the historic sloop GJoa, with Ihe I*. S. I just t.. the north* ard. / IRGES1 WINDMILL This windmill al the northwesl flrsl construi led. It cos! $25,000 and bas ■ fresh breeze. Its model i^ Ihe t>p.- us.-. I In Ho from a strong flow seaward under thi Mil it into Stow Lake. [Tie other Dutch Windmill at Park, is the largest ever built. Samuel '■ Murphj equip It. its two arms an lit feel i"Hk;. pin., two feet thick In th.- middle and eight li gallons an hour. The object "i main Interest al the west ii . nested In rock and protected bj llns is the onl) vessel that i i through II na\ I gated on lhat islon by t pin It i I « ho presented her t" San i 10. 1909. We lia\ e now lra> . i s, ,i thi Pa • an. I Indicated its most conspli u< its Inconspicuous ones, li you wand< more charm nnd del mht than « r Id and grow ing moi ■ brauliful w Uh particular pride ol th. ; Ol 111. -i . a! parks ..| 111. u Ol Id. GOLDEN GAT] PARK MEMORIAI Ml M I M \\|> \l:l GALLERY Situated In Golden Gati Park, south in a. in hi I p. m., and on St I l \ ..ii .ill. r at l Ighth the Musii Stand, p I. I he Mils, mil is in II H you enter from Ihr <■ an. I pass under th- SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST GOLDEN GATE PARK MEMORIAL MUSEUM AND ART GALLERY — Continued to the public spirit of the people of San Francisco. It has never had a purchasing fund, and yet. beginning as a small collection bought with proceeds of the California Midwinter International Exposition, held in the Park in 1894, it has grown by loan and gift until it comprises works of art and specimens of the crafts valued at many million dollars, and relics and documents that are beyond all price. It has a large natural history collection. Its art gallery contains authentic works by Leonardo da Vinci, Dupre, Daubigny, Millet, and copies of some fine works of old masters. A history <>1' San Francisco could almost be written from the contents of its Pioneer Hall, brought together by the industry of the curator, Professor George H. Barron. There are priceless collections of ancient Oriental carvings. There are relics of Napoleon that cannot be found elsewhere. There are ethnological exhibits from the South Pacific and from Alaska that could hardly have been collected in so short a time at any other city than this focus of Pacific trade. Three thousand people, at this writing, are visiting the building on weekdays, and over 25,000 on Sundays. The Natural History collection is in the upper galleries. Don't fail to see the cases of butterflies, moths and birds. To the right, on the ground floor, are the Colonial Rooms, and to the left Pioneer Hall, with portraits and mementoes of the pioneers, and with a complete set of paintings of the Missions of California. Statutary Hall contains some beautiful sculptures by Randolph Rogers and W. W. Story. The latter's "Saul" is much admired. In the Church Room are carvings, shrines, tabernacles anil a slipper of Pope Pius IX. The Basket Room contains a great collection of Indian basketry. The Mineral Room is extremely interesting, as one would expect in the leading mining state. The Art Galleries contain fine portrayals of California sub- jects, by such local artists as Keith, Thomas Hill, Gamble, Cadenasso, Julian Rix, Theodore Wores, Lucia Matthews, Arthur Matthews, Xavier Martinez, Charles Rollo Peters, Oscar Kunauth, M. Evelyn McCormack, Joseph Raphael, E. G. Stanson, Piazzoni, Tavernier, Neuhaus, Jules Pages and many more who found a peculiar stimulus in California conditions and scenes. The room farthest west, of the art galleries, con- tains some celebrated canvases — "A Saint at Prayer," by Leonardo da Vinci; a land- scape by Charles Francois Daubigny, and a "Twilight" by Jules Dupre, and between them hangs a painting of sheep by Jean Francois Millet. There are fine tapestries and ancient furniture in the Tapestry Room. The Armour Room illustrates the evolution of modern arms, and some of the antique armor here is very beautiful. Oriental Hall contains some of the most curious and beautiful objects to be found. In addition to exquisite Chinese, Japanese and East Indian works of art, there is the lacquered saddle presented by the Mikado to General Grant; and high on the south and west walls an object of great interest and affection to San Franciscans: the great Chinese processional dragon borne in parades and festivals on the heads of half a hundred swaying Chinese, before the days of the Chinese Republic. Its last appear- ance was in the Portola parade. Egyptian Hall, Textile Hall, and the room devoted to Ceramics are all very interesting. The Royal Bavarian Pavilion contains the Jewel Hall, the ceiling of which is modeled on one in the royal palace at Munich. The carved rock crystals, oriental jade scepters and dagger handles, and other bits of art work are no less than fascinating. At the entrance to the Napoleon Boom, which contains many authentic relics of the Emperor, is the gold medal presented to San Francisco by the Republic of France to commemorate the rebuilding of the city. (.OAT ISLAND or YERBA BUENA — Named by the Spaniards for the "good herb" (Verba Buenal abounding on the island. Later vessels entering the bay turned loose there superfluous goats originally bought for fresh meat. Breeding largely increased their numbers and gave the island its second name. There are 350 acres, and the United States Naval Training School is located there, also a lighthouse and fog signal. GREAT HIGHWAY or OCEAN BOULEVARD — At the western end of Golden Gate Park, extending south along the Pacific Ocean from the Cliff House to Cake Merced and the San Mateo County line, a beautiful driveway in a straight line of three miles. IIKARST GREEK THEATRE — Sec University of California. HOME INDUSTRY LEAGUE OF CALIFORNIA — See Commercial Organizations. HOSPITALS AND SANATORIA — San Francisco, since early days, has taken high rank for the skill of its physicians and the quality of its medical and surgical facilities. Dentistry and oral "surgery have been brought to a high stage of development. Persons' requiring surgical operations come to San Francisco from the entire west coast of North and South America. Fine hospital buildings, new, sanitary, and with every modern appliance, have been erected in large numbers since the fire, and under the building laws of the city are, of necessity, of the best modern steel and fireproof construction. These are among the lending institutions: ABLER SANATORIUM- -Northeast corner of Van Ness avenue and Broadway. CHILDREN'S HOSPITAL Alexander Maternity Cottage, Training School for Nurses. At 3700 California street, coiner of Maple. 104 SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFK COAS1 HOSPITALS AND SANATORIA Continued CITY AND COUNT) HOSPITAL Occupies the block I i | Twenty-second, Twenty-third and Vermonl streets. This i construct, is entirelj new, and is probabl) the Bnesl munii !| FLORENCE N. WARD si\ i TORIl M At 1195 Bush sti FRENCH HOSPITAL "Maison de Sante de la S Geary streel (Point Lobos avenue) between Fifth and si\ti, GERMAN HOSPI1 w Fourteenth and N-.<- streets. HAHNEMANN, HOSPITAL Northeasl corner "i I and Maplt LANE HOSPITAL Claj and Webster streets linical and lories under direction ol Ihe medical departmenl • •! Leland Stanford LETTERMAN GENERAL HOSPITA1 United States \x tion. This is ihe largest American arm) hospital I cost .,; million dollars. There is bed capacitj for 500, and the accommiMl expanded to take care of 1, McNUTT HOSPI1 IL \t 1055 Pine street, between Jones and Taylor. MORTON HOSPITAL At 775 Cole street. Employes ol Lh< Uchli Fe Railway needing h'>si|>t;ii services In S:m I MOUNT VM>\ HOSPITAL At 2341 Sutter street, near Divisadero. \ nev in course "i construction :it I'^st and so.it streets. ST. FRANCIS HOSPITAL Hush and Hyde streets. ST. JOSEPH'S H0SPI1 w Park Hill and Buena Vista avenues. I Iu< ciscan sisters of the Sacred Heart. ST. LUKE'S HOSPITAL Twenty-seventh and Valencia streets. ST. MARY'S HOSPITAL Hayes and Stanyan streets, opposite th< east end Gate Park. Conducted 1 »> the Sisters ol Mercy. ST. WINIFRED'S HOSPITAL At 1065 Sutter street, between 1 1 > SOUTHERN PACIFIC HOSPll IL \t Fell and Baker streets. I tclusivi of the Southern Pacific Railroad. <»m- "i the besl railroad hospitals ■ TRINITY HOSPITALS At 1500 Page street, corner ol Masonic avenue. UNITED STATES MARINE HOSPITAL On the Marine Hospital Ihe Presidio of s;m Francisco. For the care and treatment • merchant marine. UNIVERSITY OF CALIFORNIA HOSPITAl Second and Parnassus avenui lu>s|)it:il of the Affiliated Colleges "i the L'niversltj • >! Call fori Five emcrgencj hospitals are maintained bj the municipality in d the city. Thej are located :is follows: CENTRAL EMERGENCE HOSPITAL Stevenson street, near I Ighth. HARBOR EMERGl V< 1 HOSPI1 \l No. 7 i laj sti MlSSIOh I Ml m. I V< I HOSPll 1/ Twenty-third street and i PARR EMERGl V( \ HOSPll \l Stanyan street near Waller, close la th< n entrance t" Golden Gate Park, POTRERO I Ml in. I V< I HOSPll II 1152 Kentuck) sti HOTELS — The hotels "i sjhi Francisco arc among 1 1 » •- Bnesl in Ihc world I ..i service thej have never been excelled i 1 1 iwntown sect inn of the city, for the Ore "i 1900 burned out with the result that ;ill "i then w existing th decorated and rurnished. In the cheapest • >! them There are more k< >< >< t r s In second "i even third class than in an] other city. San Francisco's renowned old li the Are, and general!) speaking are conducted undrr n The Paiace, built bj William ■ Ralston, w.is known .hi ovi Palm Couii was a splendid glass-domed spaci HI b) iii an Inner gal lor j al everj floor, and with ;i hugi palm In tin of it. as Kipling s.iui ol the India Docks, that II could see anybodj you wished. Merel) to take down It over t'0,000, and ii is no« rebuilt In steel and beautlfull) appointed In everj partlculai 1 1 » - Palm tiinl than before, and .> ravorlti rendezvous. In tin hai Is Maxl decoration, the "Pled Piper oi Hamelln." FAIRMON1 «>n the summit ol Nob Hill; repi \ n« ..\ er the baj it is the permanent Norman caM bids fall to i ne almost .is I lion I ST. FRANCIS It «.is burned oul bj Ihi walls hardl) had time to I befori b \ .<■■■ . mantled White and Gold room I one tiinls the last reflnemenl "t p< s / / u \i;i This is another One hosteli Plaza, the Cadillac, tin Herald, thi Sutter, tin Impossible to mention them all, for tins is proportion lo population, having houses, 90 per cent ol them new. ITii folio* Hotel Men's lsso< ial Ion : SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFH COAS1 HOTELS- Continued Hon i - Adrian \li a/ar UtS Antlers Argonaut Arlington Atlanta \il.,s Baldwin Baltimore Bellevue Belmonl Bereaford Boyd Brealin Bristol Cadillac ( Salifornia ( larllon Clifl Colonial ( loloniaJ Annex ( iolumbia ( longress ( ;.ini inental ( iornell ( '.ourt Dale Dorchester l\s.si-\ Fairmont Glen ( Soldeu \\ est ( Soodfriend i rranada < iruml Grand Central Grand I nioii Granl ( J ray stone Hamlin Harcourl liars aril Henry Her;, 1.1 Herbert's Bachelor Holland Imperial Inside Inn 1 r w i 1 1 Key stone King i Seorge Knickerbocker I ankershim Larne Lincoln Majestic Mans Minster Marls Maryland Merlin Normandie ( Accidental Orpheum Vnnex Paisley Palace Pembroke Rand Regent Reno Robins Richelieu Roehampton Rosalyn S.is I '\ Seneca Sequoia Shasta Seabi 'iril Sorrento Stanford \|.|ilil BS Stewart ■'• I Ge irj I .1.1% and Hyde • I ,,,. II 165 I In,, I I I 1 I - I '.in i h neai Market I Hi umI i .i.i \ enwi 'i i b , nil, umI Fourth 821 i Srant \ .■ mi.', \ ,n Nest \ • • nue Taylor and < Seai ) 730 I ..l.l> Sutter and Mason I I Jones 863 Hush 1 5 58 Sutter 180 Eddy < ialifoi ,,i-i and 1 1 yde 545 Turk ( Seary and Taylor building 650 Bush 117 Stockton < I'Farrell .,,,'1 I lyloi i 590 I II,- i M Ellis . . 715 Bush 555 Bush Turk near Market I is: Sutter Ellis and Larkin California and Mason Mason and Turk Powell and Ellis Powell near < Seam Suttei and Hyde rayloi and lurk 1418 Market 5 !8 Kearny : 58 Bush u \ I ddj and Leavenworth Sutter and Larkin ,"i \r> .lours 106 Sixth Jones .'1111 Eddy i:. i Powell 161 Ellis 051 Eddy Fair Grounds buil Fourth and M i 54 Fourth I i Ma 55 Fifth 110 I lib 1 16 Market 1500 Suttei Powi ll and " > I am 11 3 i .■ Mason s; II,,,. I i ,. ,, ) ,i,,| I lyloi I ll, . ,,,,1 Powell Sutter and ' Sough 175 1 i,n,l ll . . , i I arrell . urj M ,,k. i and Montgomery i md Ellis I Idy 56 ■ Sutter Lh 711 PoSl \ .in Ness and Sul tcr 110 Golden Gate Vvenue I ddj and I ea> enworUi \ .,,, Ness and I Ilia Sixth and Market Jones and < ' I ai n ll 51 I Ke irnj ,!,.,,, 1,1. To 164 < I I .irr.ll U u\ No i ■ Kmt i , 50 1 16 160 I 50 luu 196 100 eoo in 150 luu luu 150 I 50 I U 1 10 i,„, 168 luu t ip i mi a p i p u ,,,. up . I ,,,, "1 "I "1 "1 "1 "1 >'l "1 "1 "1 "1 "1 ■'1 107 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST HOTELS — Continued Hotels Address Strand 415 O'Farrell Stratford I 242 Powell Stratton 570 O'Farrell St. Cecile \ 115 Fell St. Francis Powell. Geary and Post. Si . < ieorge | 1259 Market St. James. 523 Van Ness St. Regis j Third and Mission Sussex i 701 Sutter. . Sutter Tallac Terminal Thomas Turpin Union Square Victoria Von Dorn Warren Washington Wellington Winchester Winchester Annex . . Wiltshire Yorke Sutter and Kearny 1+0 Lllis (ill Market 971 Mission 17 Powell Post and Stockton Bush and Stockton 242 Turk 459 Turk ( ii :ml \\ ■eniie and Hush 610 (ieary 76 Third 50 Third 340 Stockton 1499 California. No. Rooms 100 100 50 75 900 56 166 150 70 2:! 4 152 300 160 225 126 165 165 104 156 115 :!75 150 120 100 American Plan European Plan $3.00 up ML 75 up 1.00 up .75 up .75 up 2.00 up .50 up 1.00 up 1.00 up 1 .00 up 1 . 50 up 1.00 up 1 . 00 up .75 up 1 . 00 up 1.00 up 1 . 00 up 1 .00 up .50 up 1 . 00 up 1 .00 up .75 up .75 up 1 . 00 up 1.00 up ITALIAN QUARTER — Extends from vicinity of Broadway, Kearny street and Columbus avenue up the slopes of Telegraph Hill. The neighborhood is thickly tenanted, mostly with Italians, and quite a number of Spaniards, Greeks and Mexicans are in evidence. The whole quarter is reminiscent of Southern Europe and European languages are mostly in use. LIBRARIES — San Francisco has some notable libraries and facilities for historical and scientific research. It has the finest medical library in the West, a Polish library, the largest French library in the United States, and just across the bay, at the University of California, in Berkeley, an important reference collection of 300,000 volume, including the famous Bancroft library of original historical documents and sources of history for California and the Pacific Coast. BOOKLOYERS AND TABARD INN LIBRARIES — At 20 Geary street, near Market. It is a circulating library of late fiction. About 10,000 volumes. The Tabard Inn Library is conducted at the same place. BIBL10THEQUE FRANCAISE — 126 Post street, over the Pig 'n' Whistle. Largest collec- tion of French books in this country. Before the fire it had 25,000 volumes, and now nearly 12,000. Free to visitors, and on the tables will be found the leading French magazines and newspapers. CALIFORNIA STATE MINING BUREAU LIBRARY and JOHN HAYS HAMMOND PUBLIC MINING LIBRARY — In the offices of the State Mining Bureau, Ferry building, foot of Market street. Open to the public; free. LEVI COOPER LANE LIBRARY OF MEDICINE AM) S URGER Y — Webster and Sacra- mento streets. This is the library of the Department of Medicine of Lei and Stanford Junior University. It is the largest medical library west of Chicago, and the largest university medical library in the United States, containing 10.000 volumes at present. The building is a five story structure, dedicated in November, 1912, with the most im- proved equipment, and capacity lor 120.000 books. In the reading room are some very beautiful mural paintings by Arthur Matthews. The library was founded and the building erected with funds provided by Dr. Levi Cooper Lane and Pauline C. Lane, his wife. LIBRARY OF THE BAR ASSOCIATION — Pacific building, Market and Fourth streets. LIBRARY OF THE COMMONWEALTH CUB — At 153 Kearny street. A good and grow- ing collection of publications on political, economic and sociological questions. LIBRARY OF GENEALOGICAL SOCIETY OF CALIFORNIA — In the Green Room of the Fairmont Hotel, first floor, at California and Mason streets. A reference library for members only; between three and four hundred volumes on biographv, genealogy and history. LIBRARY OF LELAND STANFORD JUNIOR UNIVERSITY — At Palo Alto, Cal. The library has 17o,00() volumes and is growing at the rate of about 15,000 annually. Founded in 1891. LIBBARY OF THE POLISH SOCIETY OF CALIFORNIA At 2091 Fifteenth street. About 500 volumes in Polish and English. LIBRARY OF THE UNIVERSITY OF CALIFORNIA — At Berkeley, across the bay. This library contains about 300,000 volumes, and grows at the rate of 15,000 a year. The 108 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST LIBRARIES — Continued new library building is a particularly beautiful composition of white California granite, recently completed at a cost of about $600,000, from funds bequeathed 1a Charles F. Doe of San Francisco. With its equipment the plant represents an invest- ment of over §850,000. The main reading room is the second largest in the United States. Here is also the Bancroft Library of California and Pacific < ":ist History. This famous collection of books, pamphlets and original documents is boused in the same building with the Library of the University of California, just to the left as you enter. On its accumulation the historian Hubert Howe Bancroft of San Fran- cisco expended over $400,000, and it is likely to remain l'nr a long time the prin- cipal source of information for students of the history not only of California and the Pacific Coast, but of many other countries bordering on the Pacific. There are about 50,000 volumes. MECHANICS'-MERCANTILE LIBRARY — At 57 Post street, in the Mechanics- Institute building, between Montgomery and Kearny streets. The Mechanics-Mercantile is next in point of popularity to the Public Library, having been formed bj the merger of two local institutions that were rooted in the life of the city in early days. Its chess room, a favorite resort of many pioneers, is headquarters for the Mechanics' Institute Chess and Checker Club. PAUL ELDER LIBRARY — At 239 Grant avenue, in the rear of the boob store of Paul Elder & Co. A library of late fiction. PHOTOGRAPHIC LIBRARY — See California Camera Club, under "Clubs and Organi- zations." SAN FRANCISCO LAW LIBRARY — Fourth floor temporary City Hall. Eighth and Market streets. A tree circulating and reference library of 27,tHiii volumes, supported bj municipal appropriation, and fees paid by litigants on suits filed in the Superior Court. SAN FRANCISCO PUBLIC LIBRARY — Has its main collection, reference and reading room in a temporary building at Hayes and Franklin streets, but is to occupy a monumental public building in the Civic Center. It contains about 135,000 volumes. LINCOLN PARK AND FORT MILEY — Lincoln Park is a part of San Francisco situated on the heights above Land's End, and northeast of Point Lobos and the Cliff House, and from an elevation "1 2m> feet it commands a close view of all the wonderful features of the harbor entrance. Part of these airy uplands have been laid out by the city for public golf links. Lincoln Park was once the city cemetery, and considered so tar removed from the citj that it was given over largely to the burial of the poor, and of a lew foreign sailors. Here the Chinese, also, gave their dead temporary interment, before shipping home the bones to lie in the soil of the Celestial Kingdom. West of the golf course are two curious structures of brick and cement, forming enclosures open to the sky, with high walls at the west ends. They look like stone beds tor giants. These were the morturary chapels where the Chinese held their final funeral rites, offering the sacrifices of roast pig and fowl, and burning the paper images whose ghosts were to attend the dead. On a hill toward the north stands a monument, "A Landmark of the Seaman's Last Earthly Port and Resting Place, in Which He Awaits the Advent of the Great Pilot." It was erected by Dr. Henry 1). Cogswell, to the Ladies' Seaman's Friend Society, and dedicated to Mrs. Rebecca H. Lambert, the society's founder, whose grave is under the cypresses nearby. From the turn in the road just west of this monument is one of the most inspiring views to be found anywhere, embracing the Golden Gate and a large part of the city. You are close to the water, and directly opposite the Marin County bluffs, which rise three hundred, four hundred, nine hundred feet. sheer from the waters of the Golden (.ate, and have been eroded into rugged canyons and sharply sculptured ridges. You can look north to Drake's Bay, and then, turning to the right, you see Point Bonita, the north headland of the harbor, Point Diablo directly across. Lime Point with Battery Spencer on the bluff above, the mile-wide opening of the ('.olden (late between Lime Point and Fori Winfleld Scott, and through the Gate, Raccoon Straits, leading into the northern part of the bay, and Angel Island to right of the channel. Stretching back from the little brick fort are .In scarred bluffs of the Presidio, against whose wooded heights are ranged th( defense batteries, though indistinguishable at this distance. Par beyond are the Contra Costa hills, across the bay. still farther to the right appears Lone Mountain with its cross, (he towers of St. Ignatius Church, the heights of Poena Vista Park, the Affiliated Colleges on the slope of Mt. Sutro. and before the college buildings the long, dark lane of verdure running westward, which is Golden (.ate Park. \ bit beyond the line of the Affiliated Colleges, and in the Park, rises the Prayer Book I r.'ss. commemorating the firsl religious service ever held on the Pacific Coast thai conducted by Drake's chaplain in 1579 on the shore ..I the little bav that appear dimly in the north. Lincoln Park is in process of deevlopment, but when connect With Golden Gate Park and the Presidio bv good cads it will be one of the lamoiis parks of the world, for its inspiring view can be matched nowhere. FORT MILEY — On the heights above Point Lobos and Land's End, and west and smith of Lincoln Park is a small artillery post, established in 1901, and is headqu for the Pacific Coast Artillery District. The views from the roads here are \ , i v fine and commanu the coast for many miles to the northward. LLOYD LAKE — See Golden Gate Park. 109 SAN FRANCISCO — THE FINANCIAL. COMMERCIAL and INDUSTRIAL METROPOLIS 0/ the PACIFIC COAST LONE MOUNTAIN — From various heights the visitor sees, in the northern part of tl ,t on the median line of the peninsula, a rounded hill, surmounted bj a t.,ll cross On the slopes of Lone Mountain many of the gnat adventurers who built San made their last camp in the west. About it, on all four sides, In- tho gardens of the dead, Calvary, Laurel Hill, and the Masonic and Odd tenes. Some, in places, have gone partly hack to nature-. Burial in them wai hibited by the Board of Supervisors in 1900, and in 1912 tin- Board .1 intention to order them vacated. Hut while tiny remain tins arc worth a \isit f.,r their associations, their surroundings, and the softened and winsome beaut] that tune has put upon them. Lone Mountain rises to a height ..l K avenue on the north (one block south of deary street), Turk streel ,,,, the south, Masonic avenue on the east and Parker avenue on the west, within the quadi formed by four old burial places. It affords one of the finest views "i th< prospect from the top of Lone Mountain is an almosl unlnterruptt San Francisco. MARE ISLAND NAVY YARD — Mare Island is thirty miles from San Francisco, ami the Journej there takes ah. ..it two hours. There is a one-day excursion from San Francisco, consisting ..! a si\h- niile round trip on the sheltered waters of the hay. No visitor should ..nut t.. take it and thus broaden his knowledge <>| the way in which the United states Government carries on the biggest kind of construction work and keeps its lighting ships in trim. These excursions are personally conducted by a guide win. Indicates th< different points of interest on the bay, attends to getting yard passes at the lerrj land - the island and shows visitors about. Mare Island Navj Yard occupies a strip ..f shore on a large island opposite Vallejo, from which it is separated bj the opening into Napa Bay. The crossing is made by a ferry from a landing near that Monticello Company. The Navy Yard was founded in lx.'.i and th. Government plant represents an investment of about $18,000,000. MERCHANTS EXCHANGE — See Production of California. MILLS COLLEGE — See Educational Institutions. MINERALS — See Production of California. MISSION DOLORES — Located on the west side of Dolores street, between sixteenth and Seventeenth. Open every day from 10 a. m. to 5 p. m. This is San Francisco's onlj verj old building, interesting as a memorial of the first white men on the peninsula and interesting for some of the graves in the little vine-tangled cemeterj under its south wall. I In Mission was established in 177ii, the year of the Declaration of Independenci of which, we may suppose, reached it lor years, and then tnerelj as an alia:; foreign people. Junipero Sena blessed and consecrated it as tin- northernmost "f the California missions, although others were established at San liat.nl and S several years afterward. The building itself dates from 1782. The walls are lour feet thick, built ..] the sun-dried bricks of the Spanish pioneers, as tin- deep embrasures ol tin- wl show. Two circumstances indicate that it must have been considered tin- most im- portant of the missions; its main altar is the finest among them all. and it bears thr name of the founder of the Franciscan order. San Francisco de Assisi. to which had been entrusted the civilizing of California. \>;ainst the northern wall large painted screen, built in sections, symbolizing the doctrine of tin- Hoi) 1 u< '■ This screen was placed in front of the altar at the celebration ol the 1 inharist. a year. Near the entrance, sei in the red-baked tiles of the Boor, is the marble slab that marks the tomb of the Noe family, Spanish grantees and grand) "before the Gringo came." There are three hells in tin- facade, hanging b> r-i plaited rawhide; two an' cracked, and one has lost its tongue. I he ceiling and ceiling beams retain the decorations of red and whit, paint the Indians put on them 100 years ago. Within a short while alter ils founding the Mission had Ml Indian communicants. The Rev. Walter Colton, In his "Thri \ In California." that in 1825 its wealth had grown to 76,000 head ■•! cattle, 950 tame hoi brood mares, si line stud. 820 mules. 79,000 sheep, '-!. hogs 18,000 bushels of wheat and barley, 135,000 in merchandise and '-.'...11011 in Among the myrtle vines and tottering willows of tin- cemi especial interest for their association with San Francisco history. One is tin- tomb of Don Louis Antonio Arguello. first governor of Alia California under 11 regime; born in San Francisco in 17.: I and brother ■ ■! th -ucllo whose sad romance with the Russian Resanov, Bret Karte and Gertrud have embalmed in verse ami story. \nother is ••s.nred to the nnm Casey, who departed this life Ma\ J'-'. 1856; aged JT years." The way discloses the grim fact that on that date he was hanged 1 J mittee at Fort Gunnybags on Sacramento street, for the murdei William \nd another stone is "Sacred to the memorj by the hands of the V. I , May 31, 1856, aged 1". years." rhis inscripl literally true, although it might have been, lor this was "t ankce Sullivan. WOI champion pugilist of his day, who sintered the solitude Of his plank cell in that 111 SAX FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFK COAS1 MISSION DOLORES Continued Fort Gunnybags, and beard the grim conferences, and the tnldn . guards moving to and fro, and the prisoners brought in and tal terror bested him and be killed himself. In the parked space in front of the Mission Is .1 bell marking 11 Real, the "Highwaj of the King" of Spain. It is the road ol II I the soldiers ol Portola, the route ol travel from the Mission ..t long way they came, in cassock and ill .11.1.1. 111 cowl all. I morion sway of the Cross an. I the frontiers ol the King, through the Salii rev and up the San Francisco peninsula, and their routi San Gabriel, Santa Barbara, San Luis Obispo, s;,n Miguel \ Padua, Soledad, San Carlos. Carmel, Santa < lara, San Juan liuul many more. The signboard declares thai Miis is the "Mission de l< to San Francisco de Assisi, Oct. 9, 1776." Here, then, we have thi and the beginning of San Francisco, almosl at the end ol the north the Padres. MONUMENTS AND LANDMARKS THE BANK l.\< HANGE San Francisco is a citj of romance and riches and hence also ol mo in are man) line ones that keep alive pride in the place and its stirrr . Donahue monument at Hush. Batterj and Market streets, b) tin- ^ Tilden, is about on the line of tin- original waterfront, the edge "t the bighl k as Yerlia Buena Cove, which swepl around fr Montgomer) swung across Sansome streel between California and I'm.-, crossed the pavi surrounding the monument, jnst to the west "i the pool, and ran thi street and eastward to RiUCOU Point, the tip of whieh la) a litll. ...si ,.| | of Harrison and Spear streets. The monument's bold Imager) and lor the subject of human labor well directed are distinctive!) Western in ip At Clay and Montgomery, • of the recent 1 3 erected landmark bells that posed to indicate the runic of El Camiiio Real, the Hlghwa) "! Hi. K old landing that was there "when the watei came up to Montgon The next monument up Market streel is Lotta's Fountain, presented to ti by l.otta Crabtree, a sia^e favorite of earl) days. On the shaft is a bi there to commemorate one of those typical!) San Franciscan occasloi - eve of 1910, when Luisa Tetrazzinl sann In the open air at tins p. out ■ estimated at 100,000, out "I affection tor the clt) thai had shown her till public appreciation. The fountain dates li is:.', I h, tab Patigan, the sculptor, was unveiled March 24, 1912. This is tin recurring open air music festival. < hambellan, Pasquall and othi sang at this point on Christmas eve 1911 and 1912, and Kubelik, the violinist played here. At the corner ol Mason street is another g tod tiling b) Tilden, II Sons Monument.'" dedicated to the Native S..us ol the Golden \Vl .lames I). I'helan. It commemorates the admission "i California int.. thi t 1850. More of Tilden's work stands ;it the fool "t Van \.^ avenui the Masonic Temple building. This is the Soldiers' Monumi of San Francisco to the < alifornia Volunteers In the Spanish At Cit) Hall avenue and McAllister streel stands .,i present .. I McAllister. "A Leader ol the ( alifornia Hal." It is |.\ M I all < union Marshall Square, opening from the north side • ■! Market lit H. p. the site of the i it> Hall, is adorned b) the James Ink Monnn executed b) Frank Happersberger, a San Francisco sculpl i Phis trays, in relief, Western life and Illustrations ol California hlsl street side ol the Lick II ion mil. lit is a highl) ' II liallieiited I the Spaniards at Santiago .I.- « uba. One •■! the rlevationa beyond tin street, known as Mounl Olympus, is surmounted bj erected b) the late ^dolph Sutro. Golden Gate Park contains man) Hue statutes. \ monument !•• \\ I represent inn "Peace," the work "i Robert i Vltkcii Panhandle. ^nether to Francis Scotl K.\. authoi ol lh< jnst to the s. .uilie. ist ..i the Mush < oncourse, w composition ol the late \V. W. Story, the famous I l,\ Douglas t ii.leu attracts much attention. Seal it li m I ail i ummings. Major General Henr) W. Halleck, who w.is nrtiiif li,,- militarj occupation "t earl) days -n\>i who I United siai.s Vrm) from 1802 to 1864, is ■ rades. There is also •> bus! "t tleneral Granl i bronze ol Thomas Stun King, the s.m I ol the t niou during the < Ivil War. ii. t onl> In i li is b) the famous sculpt, r l>. < . I rench. Junipi ,,i the I alifornia Missions, is r commanding tlgun II II, ere is the Goethe and Schiller monument, b) Lnurhl on the height, designed bv I in. st Coxhrad religious service on thi . "..st . the monument the Viik Press, by Thomas Shields ( enjo) able lots ,,i humor In the Pai k. ii, Stevenson monument In Portsmouth Squn and bearing on ds face the quotation from ins i general, ol Bruce Porter, ■ San I i 1 1 3 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST MONUMENTS AND LANDMARKS — Continued Piper. This was the first monument ever erected to the author, whose memory San Franciscans have taken to their hearts since his sojourn here as of one of their native sons. The inscription reads: To Remember Robert Louis Stevenson — To be honest, to be kind, to earn a little^ to spend a little less — to make upon the whole a family happier for his presence — to renounce when that shall be necessary and not be embittered — to keep a few friends, but these without capitulation — above all, on the same grim condition, to keep friends with himself— here is a task for all that a man has of fortitude and delicacy. Portsmouth Square was one of Stevenson's loafing places. Here he found interesting, bits of the city's life and human character, while enduring his poverty with just that fortitude of which the stone now speaks and "keeping friends with himself on the same grim condition" that he laid down the others. In Washington Square, between Union and Filbert, Stockton and Powell streets, is one of the series of Cogswell monuments, with a statue of Benjamin Franklin. A fine thing by M. Earl Cummings is the bronze figure of the old man drinking from his hand at the pool in the little triangle of green cut off from this park by the slant of Columbus avenue. In Union Square the Dewey Monument, San Francisco's Column of Victory, by Robert I. Aitken, celebrates the battle of Manila Bay. In the downtown section of the city so few old landmarks survived the fire that those which did escape are the dearer for their rarity. There were some residences on Russian Hill, some old houses in the Fort Mason military reservation, in one of which Senator Broderick died of the wound he received in a duel with Judge Terry in 1859; the Appraisers' building on Sansome street between Washington and Jackson; the old Parrott building at the northwest corner of Montgomery and California streets, built in 1852, of granite shaped and squared in China and put up in San Francisco by Chinese workmen; the Temple Emanu-El, on Sutter street, whose towers once bore the turnip-shaped Oriental domes that became a sort of insignia of San Francisco in every typical picture of the city ; St. Francis' Church at Columbus avenue and Vallejo street, built in 1859, and "Old St. Mary's" at California street and Grant avenue, built in 1854. "Old St. Mary's," as most San Franciscans affectionately call it, is the oldest church edifice in the city, except the Mission Dolores. It suc- ceeded St. Francis' Church as the cathedral, and was the scene of the labors of Arch- bishop Alemany, whose portrait appears in one of the stained glass windows of the vestibule, opposite that of Padre Junipero Serra. Here the fine copy of Murillo's Immaculate Conception, flanked by a St. Michael and an Annunciation, help produce a most devotional asmosphere, just where the commercial part of the city meets the Chinese quarter. On Nob Hill, in California street between Mason and Cushman streets, is the brownstone mansion that formerly belonged to James C. Flood, the Comstock million- aire. Somewhat enlarged, it is now the spacious and beautiful home of the Pacific Union Club. Besides these, there is the Montgomery block, on the east side of Montgomery street, between Merchant and Washington, which, through some strange freak of the air drafts, entirely escaped the flames. It dates from 1853, having been built by the law firm of Halleck, Peachy, Billings & Park. The first named member of the firm be- came distinguished later as Major General Henry W. Halleck, the original of the statue in Golden Gate Park. Coppa's restaurant, with its black cats and Bohemians on the walls, and other vagaries of the artists that foregathered there, was in the southern or Merchant street corner of the Montgomery blocks. And in the northern corner still remains one living, organic relic, not merely of the city that was, before the great fire of 1906, but of the older mining-camp city of the "fifties" — the Bank Exchange saloon, with its old steel engravings, its pavement laid in 1852 of marble slabs that came around the Horn, its walnut bar whose front moulding has been worn down to one smooth bevel by the coat-sleeves of the countless bankers, brokers and adventurers that have rested there for their social glass,, its Wedgewood handled beer pumps, its sedate mirrors, its silver bell wine-cooler, souvenir of the days when "Bell of Moscow" champagne was the favorite tipple of its frequenters. This has been no common bar. In its day it was a focus of activity in the seething young city. It was in the heart of town. William Tecumseh Sherman had a bank nearby. It was while crossing the corner in front of the Bank Exchange on May 14, 1856, that James King of William was shot down by James P. Casey — a murder that led to the uprising of the Vigilance Committee of that year. Before the Stock and Exchange Board was organized in 1862, the Bank Exchange was the rendezvous of the stock brokers, and here they trans- acted most of their business. Lawyers, doctors, engineers, members of the professions dropped in to meet the leading men of the young community and hear the news of the day. Bret Harte and Mark Twain knew this place well. In later days a dark, thin-faced, quiet man came to haunt a certain corner. Usually he stood at the west end of the bar with his back against the wall, in conversation by the hour with E. J. Moore, attorney for Adolph Sutro. The thin man was not much of a talker, but he was a grand listener, and here he absorbed the lore of what he later declared to be the most romantic city in America. His lodging during part of the time was just across the corner, at 8 Montgomery avenue — Mrs. Hunt's. You cannot find it, for the building of the Fugazi Banca Popolare Operaia Italiana stands on the site. But that a place of so much local atmosphere and such associations should have escaped the searching mind of Robert Louis Stevenson is not to be imagined. The financial center has moved away from Washington and Montgomery streets. The Bank Exchange is closed pressed by the Latin quarter. An Italian syndicate owns the building. But right at his post behind the slab of sleeve-worn walnut, in spite of the earthquake and fire and the changes of time, you may find Duncan Nicol, with his recollections, and his old-time skill, and his pince-nez hung on his ear, less "barkeep" than apothecary, compounding the same tried prescriptions that gladdened the ways of the past. 114 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACI1 U COAS1 MT. TAMALPAIS AND MUIR Woods l.» Ml. ramalpais it is six miles bj terry, Ave miles on the electric tram. mi tin' Mt. ramalpais mid Muir Woods steam railroad, a t < > t ; 1 1 ol 19 M11 ;. good viewpoint in San I rancisco one can see, across thi reared a clean half-mile above tin- waters ol the Bay. 1 high, 1111 walk around the peak shows the varied features ol the sun rotation. Here one sees what might he called the ground plan ol Un- locked harbor on the Pacific Ocean, and of the region surrounding it is by no means all of Tamalpals. The mountain itself is a domain ol air plays are given iii glades near its summit. Forests clothe its sh .. laurel, buckeye, redwood, manzanita and that shining green-and-vermi I the glade," the madrone. Deer and other wild animals run wild on tin tamalpa is. within a tew minutes' ride ol San I rancisco net probal Ij ' gaze from the cover of these beautiful forests across a narrow -, the great white city that bristles on the opposite hills. All this within an hour of Market street. Where else in the world will you lind primeval forests and I life rubbing elbows, as it were, with a greal modern citj and its hustling A most convenient and pleasant wax to reach the summit is provided I Tamalpals and Muir Woods Railway, which runs from Mill Vallej to Muir v the Tavern. This is .ailed the "crookedesl railwaj in the world," ami is in itself as an example of difficult railroad construction. The trip t.ikis hours, and the return can he made the s; ■ day, hut it is a pitj to miss thi | the sunset from the top. A delightful experience is tin- coasting ride down the m tain by the "gravitj car'' in the early morning alter a night at the tavern. Muir Woods can he reached bj a branch line which leaves the main railroad at tlir "double how knot." fins is a statel] grove oi Sequoia Sempen redwood, which should, by all means, i>< seen and enjoyed as ..! attractions of the Bay region. The trees are undoubtedly thousai represent the grandest forest growth of California, with the exception ol lh< i in the Sierra. The woods are a government reservation and thus an the enjoymenl of the public for all time. There is a cozy Inn on a sunnj knoll looking the forest. All aboul are shaded walks leading to still and somber d< among the redwoods, oaks and niadroiies. Mure are about which is one of the most beautiful of all California's shew places, it • • the nation, from William I.. Kent, of Kentlield. Marin County. MUSEUM OF ANTIIHOl'ol.or.Y (THE HEARS! COLLEl HONS exemplification lore, and the museum administration has adopted lh< 1 free Sunday and holidaj afternoon lectures at '. o'clock, la make the und. of the subject moil- general. These lectures arc unique. So also is the exhibit" of articles from different departments, on winch tin let. au.l which are changed everj two months, fhe present value •■! the neighborhood ol (5,000,000. It has hen brought such practical archeologists as in. Rcisner, Max 1 hi.- and in. \ is under tin' . .11 e ..I Prof. \. I . Ki "her. The main halls arc the (.reek Hall. Ill of an "uncontam mated savage, m me prrvni ..1 imii. County, isln is the last oi .1 vanished tribe, and has of a modern cil\ the arts that men were compel l( I 11.-. SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST MUSEUM OF ANTHROPOLOGY — Continued them. Other [ndians build fires and light their pipes with parlor matches. Ishi uses the friction method, and you can see him at it, and understand how our cave-dwelling ancestors had to slave for the roughest necessities. Probably there are very few Indians left in the country that can make a neat arrow-head or spear-head from a piece of flint. Ishi not only Hakes arrow-heads from obsidian, but even exercises his ancient art on such a refractory material as plate glass, chipping it into slender blades and long points for spearing fish. He has also built a dwelling in the grounds to show bow it is done a wigwam of lodge poles and leaves. Ishi is permanently attached to the museum stall", and exhibits bis skill for the edification of visitors. This is an extremely valuable museum in an aducational way, and contains a great mass of material not classified, from the South Seas, Alaska and other far places. NOR HILL — Celebrated in the history of the city and well known wherever people are familiar with the achievements of the great figures of "Bonanza days" and the era of early railroad construction. Here a group of the Comstock millionaires and railroad builders erected their mansions -Mark Hopkins, Leland Stanford, James C. Flood, 1). I). Colton, Charles Crocker and W. H. Crocker, his son, and many more. Some were gorgeous palaces, embellished in teak, ebony, ivory, inlaid pearl-shell and bronze, with mural tapestries and paintings by celebrated European artists. They were all swept away by the mounting flames except the mansion of James C. Flood, a "brown- stone front" that stood across the street from the Fairmont Hotel. The Flood home, remodeled and somewhat enlarged, is now the beautiful Pacific Union Club. At the southwest corner of California and Powell streets, where the Leland Stanford residence once stood, is now being erected the largest apartment house on the Pacific- Coast, a gigantic structure that will cost over a million. A block away the San Fran- cisco Institute of Art occupies the site of the Mark Hopkins mansion, at the southeast corner of California and Powell streets. In the block between Taylor and Jones streets, beyond the Pacific Union Club, is the divinity school connected with Grace Pro- Cathedral, of the Episcopal diocese. It is part of what will be the most important establishment of the Episcopal Church in the West. Grace Cathedral will rise at the coiner of Jones street. It will be in the beautiful English Gothic style, with a central tower rising 2:S0 feet, or higher than any other structure on Nob Hill. At present the crypt is being used temporarily as a place of worship. This block of land was formerly occupied by the homes of Charles Crocker and W. H. Crocker, and was a gift from the heirs of Charles Crocker to the Episcopal Church. NORTH REACH — A part of the city's waterfront running west from the northern base of Telegraph Hill. PETROLEUM — See Production of California. POSTAL RECEIPTS - Year Amount. Year. Amount. HIM $3,252,300.16 19(17 $1,787,694.06 1913 3,116,944.29 1906 1,509.595.90 1912 2,782,949.41 1905 1,772.857.6.'! 191l" 2,570,215.84 1904 1,572,976.81 1910' 2,188,224.54 1903 1,449,932.20 1909' 2.212,163.70 1902 1,296,389.08 1908 2,010,833.12 Fiscal Year 1913-1914. New York $31,000,893 Pittsburg $3,383,592 Chicago 26,880,576 Cleveland 3,355,641 Philadelphia 8,191,975 Detroit 3,188,104 li,, s t, ,n 8,192,586 San Francisco 3,167,133 St. Louis 5,31 1,633 PRESIDIO — The Spanish name for the military post, founded by the Spaniards in 1776, and the first permanent settlement of white men in San Francisco. It is now a Government reservation and the United States Army Headquarters for the Department of California. 11 comprises 1,5 12 acres, more than half planted to pine and eucalyptus, with a shore line on ocean and bay of nearly three miles, and the well kept grounds have beau- tiful walks and drives. Part of it projects into the Golden Gate in the form of a long cape, calico 1 Fort Point, with Fort Winfield Scott at the northern end. PRESIDIO PARKWAY A boulevard, one mile long, connecting Golden (late Park with the Presidio. PRESS — San Francisco has had, since its earliest history, a distinguished press. Its tone has been metropolitan from the beginning, but it has also been something more. Vitalizing contacts with new conditions, and freedom from conventional restraints, operated to produce .journalists of originality who acquired national and international reputation. This was the starting point of such writers and newspaper workers as Ambrose Bierce, Frank Bailey Millard, Arthur McEwen, \V. C. Morrow, Charles Michaelson, Miriam Michaelson, Charles Dryden, Philip A. Roche, Ned Townsend of Chimmie Fadden lame. James Hopper, Rufus Steele, Davenport and Edgren, the cartoonists; Earl Ashley Walcott, the novelist; J. O'Hara Cosgrave, who was editor of the San 116 SAN FRANCISCO III!. FINANCIAL, COMMERCIAL and INDUSTRIAL Ml. I ROPOLIS 0/ tht PACIFK COAS1 PRESS Continued Francisco "Wave" when Frank Norrls made it the William Melony, "Bob" Davis, Henrj • . Rawley, Kathleen N orris, Add. Brooks; Swinnerton, "Tod," M Wallace, the illustrators; Lincoln Steffens and San Chester Bailej Fernald, Will and Wallace Irwin, Harrison i "Bud" Fisher, creator ..1 "Mutl and Jeff." 1 essayists on the pressing and vital topics ol the day, from H to Edward F. Cahill, "Our < andid I riend." Today this citj is an Impi rtanl publishii monthly publications, representing practical I j all leading Italian, CI sse, French, German, Russian, Polish. W< the leading English publications are the ARGONAUT Weekly, published ai 207 Powell street; editorial ■■ selected verse and European correspond) Frank Pixley. The Argonaut is the leading literar> wi the fore si in the country. It circulates in ever) civilized land Francisco writer thai has risen to distinction sun. Ita rounding i through its columns, and we Qnd among them such Frank Morris, W. C. Morrow, Harrj Dam, E. W. Towi Bierce, Frank Bailej Millard and John Fleming Wilson. BULLETIN Afternoon, published al 767 Markel street. I Ins Francisco newspaper, having been rounded In 18 murder the Following year led to tin- uprising "i tin \ h istorj . COMMERCIAL Nl WS Morning, published at 330 Sanson Intelligence and financial news. JOURNAL OF COMMERCl Afternoon, published al Commercial, financial, shipping, municipal and general news. MUNICIPAL RECORD Published everj rhursdaj b) thi B City Hall, 1231 Markel street, for the purpose ol Furnishing In) public municipal Improvements and the work ..I the several munirip NEWS Afternoon, published al :;i<> Nintli street. \ pen group. NEWS BUREAU Issued during the noon hour rrom ss Inst »tri presentations of Important news, espcclallj financial, for bi NEWS LETTER Weekly, 21 Sutter street. Oldest existing weekh Founded in 1856. Political comment, Qnancial, soclet) and tl OVERLAND MONTHLY 21 Sutter street; founded bj Brei Harti and bull) work ol main distinguished contributors. The Overland first publlshrtl "1 Roaring Camp" and "The Heathen < hinee." Joaquin Miller wn pa^cs first appeared parts ol Mark Twain's "Innocents RECORDER Morning, published al 28 Montgomery »' important Supreme Court decisions, and other Information ol together with a page ol general news and a colui t editorial. N.l.\ FRANCISCO CALL Iftern i, now published from lh< and New Mont- r> streets. IIms w.,s recently change. SAN FRANCISCO CHRONICLl Mo g, published al Marl Founded bj i harles and M. II. de Young Some famous wi Irwin was Its Siimlax editor for a tune, .mil si. was llulu - same position Oil 111.- ( all. John P. Vain;;, tin w Wall Otl and \\ al: s/\s// HAGAZISl Monthly, published al 148 Fourth i exploitation of the beauties ami resoun find in its pages mosl ottractlvi .!• •-• r i pt . \ line colored Illustrations. Sunsel ha-, had ••house organ" of the Southern Pai II managenn nt, under the editorship ■■! the last tj p. . appe.d inj; to a wld ; tiler puhl a al i till Wcsl that I the world. I ( i\\ \ TALK Weeklj doings ..I the I M.I l> S ear Producl ion 1:111 1912 1913 80, |..i.,l produi lion I Sn 1 1 n ^ eai Produi i ion 1911 1912 . 1913 BOO, » Total production 22,050,084 Sali Yeai ^ alue I'M I 173,332 tons 1912 185,271 tons 1913 804,407 tons Total production Coal 191 1 ...11,047 tons 191 i 1912 i v.sis ions 1918 ■ tons I ..ill production 1.661 094 produi << < i \i P ii I'M I Ions I'M I 1912 19 5 tons 1913 I produi lion I . i P8I \i 191 1 11,457 tons 1912 17,5 !9 tons 1913 17 i"" tons Total production ii it 1911 1912 lb 1913 171 118 lb I production w 1911 101 I 9 1 I 1913 I.. i .1 produi lion \ -III W I 1911 I'M ' 1 19 ' 191 1 I'll ■ M 1 N ■ ■ • 1 .-i.l pri I'M I ■ 1 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST RAILROAD COMMISSION OF CALIFORNIA — Headquarters, NX! Market street, S;in Francisco. Commissioners: Max Thelen, Presi- dent; H. 1). Loveland, Alex Cordon, E. (). Edgerton and Frank R. Devlin. The Rail- road Commission of California, as at present constituted, derives its powers from the act of December 2.',, 1911, effective March 2H, 1012, known as the Public Utilities Act. Under this Act, the Railroad Commission has jurisdiction over the rates, service, extensions, facilities, accounts and security issues of all classes of public utilities, including steam railroads, electric railroads, street railroads, gas, electric, telephone, telegraph and water utilities, warehouses and wharfingers. Under an Act of the Legislature of 1915 tin' Commission's jurisdiction over public utility rates within incorporated cities will become effective during the first week in August, 1915. Any pei-son having a complaint against a public utility in any matter concerning the duty of the utility to the public can write a letter to the Railroad Commission explaining the complaint, whereupon the matter will be taken up by the Commission with the utility affected, with a view to securing relief informally, without the necessity of a formal complaint and hearing. The Commission's annual reports are available for distribution to the public. The Commission's opinions and orders are published in pamphlet form and later in book form, and may be secured from the secretary's office upon the payment of the cost of publication. RAILROADS IN AND OUT OF SAN FRANCISCO - ATCHISON, TOPEKA AM) SANTA FE — Ollices: Monadnock building, Ferry Depot, Stock- Ion, Fresno, Hakersfield, Los Angeles, San Diego. MT. TAMALPAIS RAILWAY COMPANY — Offices : Ferry Depot, Mt. Tamalpais and Muir Woods via Mill Valley and Sausalito. NORTHWESTERN RAILWAY COMPANY — Offices: Ferry Depot, Phelan building, Eureka, I'kiah, Willits, Santa Rosa, Petaluma, San Rafael, Sausalito, etc. OAKLAND, ANTIOCH AM) EASTERN — Offices: Ferry Depot, Oakland, Antioch and Sacramento. OCEAN SHORE RAIL WA Y — Office: Twelfth and Mission streets. Southern Pacific Passenger Depot, Third and Townsend Sts., San Francisco. SOUTHERN PACIFIC COMPANY — Offices: Flood building, Palace Hotel, Ferry Depot, Third and Townsend streets. Shasta Route — Northern California, Sacramento, Port- land. Coast Line — Los Angeles (from Third and Townsend) via San Jose, Santa Barbara, etc. Valley Route — Los Angeles (from Ferry Depot) via Oakland, Fresno, Bakersfleld, etc. Overland Route — Ogden, Reno, Sacramento. Southern Pacific's four routes to the East. With its gateways at New Orleans, El Paso, Ogden and Portland, the Southern Pacific oilers castbound passengers from San Francisco choice of four routes, over which are run the best equipped and best oper- ated trains in America. "Sunset Route," via Los Angeles, Tucson, El Paso, San An- tonio and Houston to New Orleans, connecting with fast trains to Eastern cities, and cariying a daily through tourist sleeper, San Francisco to Washington, 1). C. At New Orleans it connects also with Southern Pacific's splendid steamships sailing Wednes- days and Saturdays to New York. The through fare, same as all-rail, includes berth and meals on steamer. "Ogden Route," via Sacramento, Reno, Ogden, Cheyenne and Omaha through to Chicago, or via Denver and Kansas City through to St. Luiis. Close connection is made with limited trains, Chicago to New York. "Shasta Route," via 121) SAN FRANCIS! THE I IWV I \i.. | OMMER( I \l INDUSTRIAL METROPOLIS o/ tin PACIFH COAS1 RAILROADS IN AND 01 I OF SAN I R \\< [SCO D:.\is or Sacramento and north through Oregon I necting at each poinl w iih trains lo (hi Tucson and El Paso, thence north via Kansas < ii\ l< SI Oakland, Alameda and Berkelej are closet) highlj developed rerrj and electric lim San Francisco Ferrj station on a 20-minutc sched schedule to Vlameda Pier, connecting with fusl ports twentj millii n passengers annually. WESTERS l IC/F/C Offices: Monad k bulldini Marysville, Oroville, Feather River Canyon I RECREATION LEAGUE < IF S \N I R W< ls< « I Has Its offices at 1058 Phclan building. Its purp< tor old and young. II is <•. mposed ol over s. s, nty-flvi thropic nuns ami w ens organizal s and several in: li represents the public conscience In all construct I v< II lias been Instrumental in starting man) inovcuu-iil social rnmlil i"ns iii Hie community, i n^ th.s.- Ix-inn tii the Children's Theatre, the establishment ..i promotion ot civil pageantries on fete days and liolidin leagues and clubs, such as the Lincoln Park <>"ii < tub The league lias co-operated and assisted its until relates to the social and civic betterment ..i tin ...mi lull program ("or iius I ^position year, and Its » with extending the outd ■ idea .lames Edward Rogers is secretary. \ monthl) paper is puhlisl ship of Eustace M. Peixotto. RESTAURANTS, CAFES, GRILLS, < \ll lll:l\s CAFETERIAS Roos Rros, 1059 Market St. ( lalifornia Cafeteria, 7 13 Market st. i rystal Cafeteria, Phelan building While Lunch, 792 and I i olbj a Reed, 509 Market si. Plymouth Quaker i afeteria, 731 Market St. Wiltshin I CAFES {Wtih \tusic and Entertainment) Blanco's, 857 O'Farrell st. • r The Caesar Grill, 940 Kcarnj St. •( aft R( \. << i 1 OS s. 658 Market St. Heidelberg Inn, 35 I n Is st. Hoi Id ui. Pacific building. Jules - . Monadnock building. • Lout re, Ellis and Powell Sts. reel i •Odeon, I ;ddj and Market sts. i |if| Houi /.■/;/ iKFASl wi> i i \< in ai > st. Detjen-Mengel I o., In< ., 9 ■ Mai ket St. i Lausten < ■ kton si. Golden Rule i afc\ n • Market st. Haj den a < oilins i Ferry Cafi It Mai k. i Hauh Bros., 15 Powell St. it. II. 1 1 1 ' 1 1 . i il Montgomerj St //;/ \< // RESTAVRAXTS Iter-./ I rank's Old P Ill ' Hush Borlini's, 71 I Mai ket st. I eii-.'s. i, 13 Montg i \ st. Jack's Rdtlsserle. 01 - n it nto st. I ■ mil. anil's. 161 Sutler SI M i rehaml's. Gear) and Mason St. 1 1 \l I \\ RESTAVRAXTS Bonlnl's Barn, ' 09 w ashingt< Hi • ampi's, I hird and Mai k. t su. ( uppa's, i iO Pine st. Dante Italian Bestaurnnl Flor D'ltalia, 192 Bi oadv Gianduja, 15 19 Stocktoi Ml \l< I \ \\h SP I Msil RESTAVRAXTS i astilinn i afe. '■ i i s,,tt. i st < it\ ol Mi ulco, I ' Yau.le\ I lie. 121 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST RESTAURANTS, CAFES, GRILLS AND CAFETERIAS — Continued OYSTERS AND SHELL FISH — Darbee & Immel's Shell Fish Grotto, 245 Pearl Oyster House, California Market, O'Farrell St. Pine St., near Kearny. Mayes' Oyster House, California Market, Oyster Loaf, 55 Eddy St. 30 Third St., Sutter and Polk Sts. GRILLS — The Bay State, 275 O'Farrell St. Gobev's, 140 Manila St. Beth's, 9 Ellis St. Hammonia, 453 Bush St. Collins & Wheeland, 347 Montgomery. John's, 57 Ellis St. Commercial Bestaurant, 225 Pine St. Schroeder's, 117 Front St. Girard's, 134 Manila St. ROTARY CLUB OF SAN FRANCISCO — See Commercial Organizations. RUSSIAN HILL — Is part of a ridge with two distinct crests, one at Vallejo between Taylor and Jones, and the other at Greenwich and Hyde. It was the abode of an aristocracy, but an earlier one than that which built up Nob Hill. Beyond the industrial foreground of North Beach, smoking with the energy of its factories, the view is one of splendor. The long moles running out from the opposite shore; the cities behind them; Verba Buena Island, Point Richmond with its oil tanks and its growing industries, the straits connecting with San Pablo Bay, and then Alcatraz Island, Angel Island behind it, Richardson's Bay with Tamalpais for its background — all these would be beau- tiful enough for a most extraordinary picture. But turning to the left one sees the Golden Gate in one of its most graceful aspects, like a broad, winding stream, with Fort Point thrusting into it from the southern shore, and just in front of the grounds of the Exposition, while across the Gate rise the bold hills of Marin County. SAN FRANCISCO ARMORY OF THE NATIONAL GUARD — Erected at a cost of $300,000 at the corner of Fourteenth and Mission streets. An imposing structure covering a space 240 by 280 feet, with offices, locker rooms, dressing rooms, mess rooms and kitchens, a swimming tank, a gymnasum, a rifle range, large disappearing guns, the proper ammunition vault, a drill court 1C8 by 240 feet, with a gun shed adjoining, a social hall, library and reading room. SAN FRANCISCO BAY — The largest land-locked harbor in the world. The Bay of San Francisco covers an area of over 420 square miles and has a shore line, exclusive of navigable inlets, of 100 miles. The City and County (Consolidated) of San Francisco has a water frontage on the bay of ten miles. The pierhead line is 800 feet from the bulkhead line and is fixed by the United States Government. On January 1, 1915, there was a total com- pleted sea wall 18,090 feet in length, 34 completed piers and three planned, from 600 to 1,000 feet in length and from 100 to 200 feet in width. The total berth space of all piers is 48,728 lineal feet. The dock area of all piers is 3,471,697 square feet. The San Francisco harbor front is owned by the State of California. The new docks and wharves are built under a $10,000,000 state bond issue, the interest on same and all sinking and redemption funds being paid for out of the harbor revenues. The Embarcadero, the street fronting the harbor, is also owned by the State, which operates a Belt Line Bailroad over its entire length. On January 1, 1915, the Belt Line was 20,600 feet long. Freight can be unloaded directly on to the freight cars on the Belt Line from the freighter alongside the dock (the Belt Line being connected with the main lines of all the transcontinental railroads and the spur tracks serving San Francisco's industrial area), so that freight can be transferred direct from steamer to warehouse or factory. Deep water is found at all the docks and wharves on the San Francisco waterfront. Typhoons and hurricanes are unknown and the greatest Pacific liners dock without difficulty in any weather and at all stages of the tide. Ten fathoms is the average depth in the bay, so that safe anchorages are obtainable at all times. A depth of six and seven fathoms is reached at the end of all the piers. The only transport docks owned by the United States are at San Francisco. The first settlers selected the San Francisco side of the bay for shipping, as it is both the deep water and the sheltered side. The east side of the bay will not see any deep-water shipping until the San Francisco side has been solidly built up. The silt from the Sacramento and San Joaquin Bivers piles up on the east side of the bay, necessitating constant dredging to maintain a given depth. The Oakland Estuary has a depth of six fathoms. The only protected bight on the east side of the bay is owned by the United States Government and may be the site of the future naval base. At the present time the Federal Government has made an arrangement with the Hunter's Point Dry Dock Company (on the San Francisco side I to construct a dry dock 1,050 feet long. This will be the largest dry dock on the Pacific Ocean. The United States will have first call on this dock at all times for the docking and repair- ing of government vessels. Two docks are now operated at Hunter's Point, one of them being 750 feet long. All of the passenger and freight steamers sailing from San Francisco leave from the San Francisco side of the bay with the exception of some small lumber schooners. Direct steamer connections may be made from here to all points along the Pacific Coast of North and South America, Russia, Japan, China, the Philippines, the Orient, Hawaii, New Zealand and Australia, as well as services through the Canal to Atlantic- Coast points and Europe. 122 SAN FRANCISCO — THE FINANCIAL. COMMERCIA1 and INDUSTRIAL METROPOLIS of the PACIFIC COAS1 MISSION TERB \< 1 . The industrious workingman owns ;i self-contained bouse ol li i ^ own; such a house can be made home-like, attractive and comfortable. SAN FRANCISCO AS A HOME CITY — Any and every class, style and price of home in the form of a houa bungalow, flat or apartment may be purchased, rented or leased in San Francisco. P according to the location of the site The most Fastidious can be suited or the work- ingman can buy his modest home on the installment plan. II is rarelj that metropolis offers the inducements of a Home Citj a good place in which t.. as docs San Francisco. The same attractions that induce tourists t" make San ! cisco a summer and winter resort, linger in their memorj until thej return as resi- dents. In the suburbs of San Francisco warmer climates and cheaper land tnaj 1>. found tor those who wish it. San Francisco has a large commuting population "i 50,000 residing in the cities of Oakland. Alameda and Berkelej ami the towns in San Mateo and Marin Counties. To the busj man who cannot afford to leave th( who must he near his place of business, Sao FranciSCO oilers ideal locations, a match- less climate in which one can work outdoors tin year round it necessary, and all the prerequisites that go to make up a place iii which to ii\e comfortably. The hills of San Francisco afford views that lure the bomeseeker. Of its location, Hon. .lames Bryce, Ambassador from Greal Britain, and author ..f "The Vm< Commonwealth," says: "Few cities in the world can vie with San Fran< in the beauty or in the natural advantages of her situation; Indeed there are only two places in Europe -Constantinople and Gibraltar that combine an equallj pi landscape with what may be called an equally imperial position, flu- citj its full of bold hills, rising steeply from the deep water. flu- air is knn and i|m bright, like the air of Greece, and the waters not less blue." RESTRICTED RESIDENCE PARKS San Francisco is famous tor its restrict) parks, insuring protection from stores, saloons and a cheaper class of homes. \nioiitf the principal parks ranging in price from twenty-flve to a thousand dollars a front foot in value may he mentioned: Ashbury Park, Ashburj Terrace, Balln Crocker Amazon Tract, Fl Portal, Forest Hill, [ngleside rerrace, Jordan Park, Lincoln Manor, Mission Terrace, I'arkside. Presidio Terrace. Sea I lilt. SI. 1 i .. Sunset Terrace, West Claj Park, West date Park, an. I Woodsldi 1 SAN FRANCISCO CHAMBER OF COMMERI I See Commercial organizations. SAN FRANCISCO INSTITUTE OF ART Situated at the southeast corner of California and Mason streets, on the I Of the Hopkins mansion. A treat to art lovers. I 'In 1 ■ and Other works of art in the collection. attendance at the Institute of \rt an. I the School of Design here conducted bj the San Francisco \rt II is among the largest at institutions Of the kind. The Hopkins mansion was deeded to the |. of the Universitj of I alifornia in trust for the \rt \ss... lation bj 1 dward 1 s Of Methuen, Mass.. and became known as the Mark Hopkins Institute ol \rt ol the University of (alifornia. It was destroyed bj the conflagration ol 1906, hut within little more than a year the association succeeded in erecting a building on ti foundations and reopened the school with all its . I. pari mints. In \ 1. w ..t |hl that the memorial buildings of the Mark Hopkins [nstituti was decided to call it thereafter tin' San Francisco Institute ..t \rt. Among the more notable attractions of the galleries is an unusual bj the German painters of the last century, including Piloty's painting of -w on His Waj to the Castle of I gger"; "Portrail ol the Artist," b) I two admirable examples of Schreyer's "Arab Horsemen," .01.1 others !^ W Weber and Fiehcrniann. 123 SAX FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST SAN FRANCISCO INSTITUTE OF ART — Continued The French painters are represented by several drawings and water colors, the work of such famous artists as Berne-Bellecour ; Rosa Bonheur, who is represented by a fine painting of a "Lioness and Cubs"; Meissonier, De Neuville and Millet. There are two landscapes in oil by Pelouse, an example of Van Marke's cattle, and another by Troyon; the "Call to Prayer" by (Jerome, and the "Captives" by Constant. The most important accession to the museum is the Emanuel Walter collection, which came in the nature of a bequest from Emanuel Walter, and represents his gleanings through Europe. The catalogue shows a landscape by Constable, three pieces by Corot, a battle piece by Camphausen, a landscape by Chintreuil, a head by Van Kaulbach, and other pieces by Bouguereau, Alma-Tadema, Jean Francois Millet, Gustave Dore, Landseer, L'Hermitte, and many more of note. Paintings by such Californians as Keith, Diekman, Julian Rix and Thomas Hill including Arthur Mathews' fine historical piece, the "Discovery of the Bay of San Francisco by Portola," have been presented by Mrs. Benjamin F. Avery, Mrs. Phoebe A. Hearst, Hon. James D. Phelan, Mr. Edward F. Searles and others. SAN FRANCISCO REAL ESTATE BOARD — See Commercial Organizations. SAN FRANCISCO STOCK EXCHANGE — See Commercial Organizations. SAN FRANCISCO'S SUBURBS — The Ferry Depot is the busiest terminal of any passenger terminal in the United States. Over 41,500,000 people pass through this depot in a year. The next busiest terminal is the South Station at Boston, which handled 38,411,507 passengers last year. About 50,000 commuters come into San Francisco daily from the towns of Oakland, Alameda, Piedmont and Berkeley, on the east shore of the bay, the towns of Marin County to the north I San Rafael, Sausalito, Larkspur, Boss, Kentfield, San Anselmo, etc. I, and the attractive Peninsula district to the south, San Mateo County, comprising the towns of South San Francisco, Milbrae, San Bruno, Colma, Easton, Burlingame, Hillsboro, San Mateo, Belmont, San Carlos, Bedwood City, Fair Oaks, Menlo Park and Woodside. The east bay cities are served by the largest ferry system in the world. The Southern Pacific Company, the Key Boute System and the Western Pacific Bailway all running ferry boats. The Santa Fe runs boats to Bichmond, the Northwestern Pacific to Sausalito, and the Southern Pacific operates a train service down the Peninsula as well as the electric line operated by the United Bailroads as far as San Mateo. All boats to the east shore cities connect with electric suburban trains. Oakland is the largest of the suburbs and contains a growing and thriving business district. Many of the San Francisco wholesale houses have branch warehouses in Oakland in order to better serve the trade of the 300.000 people that live in Alameda County. While the other suburban towns have their retail stores they are classed strictly as home cities, where many of the wealthy San Francisco business men have their homes as well as the working classes. Hillsboro, down the Peninsula, is the wealthiest town per capita in the United States. Every resident is a millionaire, and many have laid out country estates that are unrivaled for beauty and originality. The population of the City and County of San Francisco (the largest consolidated city and county in the United States and containing but 46V> acres) is conservatively estimated at 528,705, while the Metropolitan area is estimated at 910,000. While San Francisco is the eleventh largest city in the United States according to the Gov- ernment Census, it is in reality the fourth largest city, for while Greater San Fran- cisco does not exist politically it does exist as a large metropolitan area in which the greater population must be taken into consideration when referred to in a business way. SAN FRANCISCO SYMPHONY ORCHESTRA — The San Francisco Symphony Orchestra is maintained by the Musical Association of San Francisco with offices at*711-712 Head building, 209 Post street. Frank W. Healy is manager. The Musical Association of San Francisco was founded by three hundred music loving and public spirited San Franciscans, December 20, 1910. Article 41 of the by- laws of the association states the objects: "The objects of this association shall be to foster and promote the art of music; to encourage a taste therefor, and to further the creation and production of musical composition, vocal and instrumental; to own real property and improve the same, and to mortgage, exchange, lease or sell the same; to acquire personal property, and to pledge, exchange, lease or sell the same." The membership consists of patrons, honorary, foreign and regular members. There is no limit to the number of members and the dues are $100 per year. The Musical Association of San Francisco has fulfilled its worthy purpose in placing before the people of San Francisco and neighboring cities the San Francisco Symphony Orchestra, which, under able leadership and with excellent musicians, produces the works of the great masters in a highly creditable manner and creating a discriminating taste for music of the higher order. The largest audience that ever attended a symphony concert in America assembled at the Civic Center Auditorium Sunday afternoon, February 7, 1915, to hear the San Francisco Symphony Orchestra. The concerts of the San Francisco Symphony Orchestra are not given for profit, and the work of the Musical Association of San Francisco calls for the heartiest co-operation of all who believe that musical culture is an asset to a community. The officers of the Musical Association of San Francisco are: W. B. Bourn, president; R. M. Tobin, vice-president; John D. McKee, treasurer; John Rothschild, secretarv. Board of Governors— Dr. A. Balkan, E. D. Bevlard, W. B. Bourn, J. W. Byrne, C. H. Crocker, Win. H. Crocker, F. P. Deering, J. 1). Grant, Frank W. Griffin, E. S. Heller, 124 SAN FRANCISCO THE FINANCIAL, COMMERCIAL and INDUSTR IAL METROPOLIS of the PACIFIC I OAS1 SAN FRANCISCO SYMPHONY ORCHESTRA Conlii l. \\ . Hellman Jr., A. C. Kains, .1. B. Levison, John l>. M Rothschild, Dr. •■rant Self ridge, Leon sh.s-,. Sigmund R. M. Tobin and Antoine Borel. Mum. < ommittci R. M i barkan, E. I). Bey lard, E. S. Heller, Joseph D. Ri Selfridge and Dr. Stanlej Stillman. Executive and I I chairman; J. B. Levison and John D. Keefe. SCHOOL CENSUS 1-1 1 II. s 1- SROLLED — During the year ending .linn ::o. rut During the year ending .linn 30, 1913 During the year ending June 30, 1912 Duriiin the year ending June 30, 1911 During the year ending June 30, 1910 During tin- year ending June 30, 1909 During the year ending .nine 30, 1908 During the year ending June 30, 1907 During tin- year ending April 17. 1906' During tin' year ending June 30, 1905* During tin- year < tiding June 30, 190 I ' During the year ending June 30, 1903* During (In- year ending June 30, 1902' During tin- year ending June 30, 1901* Din-inn tin- \ car ending June 30, 1900* •Note Previous i" 1906 tin- Bgures arc taken from n clinics duplications. Private schools had .-m enrollment "t 11,201 on i SEAL ROCKS — Sec Cliff House. STADIUM — Sec Golden Gate Park. STANFORD UNIVERSITY- Sec Educational Institutions. STATE MINING BUREAU, LIBRAR\ \\l> MINI RAL Ml SI I M Located in the Ferrj building, fool "i Market street. Entn world's great mining regions, California might be expected to nui departmenl of mines. And it does. To the tourist, the inti experienced mining engineer, there are few places in San Francis than tin- siali- Mining Bureau. The museum contains a moat valuabli utiful mineral collection. There are about 18,000 specimens, and the) the globe, and beyond; for al si the first thing one sees on ei •■ meteorites, or "falling stars." in the vestibule is a Bne exhibit tural materials. California lias produced over one and a hall billi< of gold since Marshall's discoverj at < oloma In 1848. I In - for output, with -si .nun. (ion. The present yield is about largest among the stales. Entering the museum one sees a comp <>i a five stamp ore mill, which runs i,\ electricity. «»u the walls scenes in the "diggings," With here and there s.une such int.- rocker for washing gold from the sand and gravel. I fields, and models of mines, ih. long cases contain minlni ..i quartz, "i uncut dii ids. of nuggets, .>i beautiful .mat.-, mi beryl, kunzite, jasper, jade, aquamarines, opals, sapphires nil tin heard of. There is a char quartz crystal weighing !"•• pounds. There are rare specimens of leal and crystallim form of masses . i wire, and in exquisitel) foliated shapes, 1 1 K ■ There are stalacities tinted with coppei to th< ..■ ■ ■ il others thai look like growths "i bron mention that is not represented hen i v nuggets about Ihe size ol small valises. 01 tin a verj respectable percentage inquires h the; is also a model ol the nugget James \V. Marshall found .i . American River, the little pellel that »ta the mining and metallurgical library, .. quite rxl in this Qeld "i knowledge, and there is a well equipp< I ..tine. .1 the Mate's Departmenl ••! Mines. STEAMSHIP LINES l 1// i;l< I \ HAWAIIAN STl IMSIW COMPASS Compauj iBoston- Pacific I i I GREA1 \ hi; l llli: \ PACIFH S s CO.VP.4.V1 s minus for the largest, -p. ediest and m - ! gaged In coastw is.- trad.- on an) ■•(■rial Northern" and "Northern P pan} operating on a trl-weeklj srhedu two magnificent ships runnini ri..us ... can scr\ i. e "ii tin I'.i, IQi I"hey < limb I I safetj . e\ erj up-to-the-mlnuu featun i catered t". Ih. tin I 25 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST STEAMSHIP LINES — Continued S. S. Great Northern of the Great Northern Pacific S. S. Company. have met with universal favor since their advent a few months ago, and from the very first found their way into the favor of a host of patrons, especially those who are familiar with whatever is best on the ocean. Descriptive literature of this service can be had for the asking at 065 Market Street. W. /{. GRACE & CO. — Chile, Panama, New York. Pier 26. INDEPENDENT STEAMSHIP COMPANY — Eureka, San Pedro. Pier 8. LUCKENBACH STEAMSHIP COMPANY — New York, Panama. Pier 36. MATSON NAVIGATION CO. — Honolulu. Pier 28. NORTH PACIFIC STEAMSHIP COMPANY — Eureka, Portland, San Pedro, Santa Barbara, San Diego. Pier 17. ■H S. S. Shinyo Maru of the Toyo Risen Kaisha S. S. Co. 126 SAN FRANCISCO THE FINANCIAL, COMMERl I \i. and INDUSTRIAL METROPOLIS 0/ the PACIFH COAS1 STEAMSHIP LINES Continued OCEANIC STEAMSHIP COMPANY Australian porta, Honolulu. 1 PACIFIC ALASKA NAVIGATlOh COMPANY Alaska, i and 12. PACIFIC CO 1ST STE \ USHIP < <>\u> \ \ | Uaska, I ur< 1 Pedro, S;uit;i Barbara. Piers and 11. PACIFIC \l.\ll. STEAMSHIP COMPANY I hina, Manila, Japan, Honolul Panama. Piers 10, 12 and 1 1. PACIFIC NAVIGATION COMPANY San Pedro, v.; SAN FRANCISCO AND PORTL iND si i i \ismr < OMP W) . TOYO RISEN KAISHA <<>i:n \i \i. s. s.< 0. I h. vessels ol this I vers popular and have been long and favorablj known h> tin The San Francisco Qeei consists ol Ihe following stei Maru," "Shinyo Maru," each of 22,000 tonnage and 21 knot Main" of 11,000 tonnage and 17 knots speed. All vessels a orchestra, bathing tank ; electric fans and electric lamps In • Bi h In and all soils of amusements; a theatre deck for dancing, music, ■!. .. .• i dark room, and a dailj newspaper giving the world's happen 1 1 . triple screws, turbine engines, silenl and vibrationless, liif Full information will be Furnished at the i ipany's ■ Francisco. UNION STEAMSHIP COMPANY Australian ports, r Slow LAKE — See Golden Gate Park. SUTRO BATHS AND MUSEUM Here is a \ ast structure covering mark thri round and largest indoor swimming tank ever built. hT< area devoted t" ball 153 by 285 feet. The northeasterlj pari is divided Into live tanks, I wh 28 feet wide by 78 feel long, and the fifth the m i length and 15 reel In ■ rest of the bathing area forms an L-shaped pool, 285 feel long and 157 feet, when it merges Into the base oi the l .. and runs i In addition, there Is a fresh-water plunge. The Museum, disposed along Ihe p enade and galleries, contains some notable displays, The buildii the installation of tins collection was ■ ol the last undertakings "t Mr. s died in 1898, two years alter the gigantic structure was completed. SUTRO HEIGHTS — This beautiful place, with its palm avenues, its rare tiers ami brilllanl (1 reproductions of classic sculpture ornamenting shad' balconies 20(t feel above the sea. with then? grand views mountain chain, is the private garden surrounding the homi former mayor of San Francisco; the man who drove the famous lunm Comstock lode, unwatering the mines and reopening their treasure i has been, ever since its creation OUl "I the barren hills, op ihe munificence of Mr, Sutro during his hie and the continuance ■■! Ih< policy b\ the members of his family. To westward "t the residence will i broad terrace Burrounded bj the Parapet, on which stand I I figures, some of them copied from the m.>st famous statues In Over the sea. and up and down Ihe coast is nothing less than w. Leave the Parapet ami descend b] the rock stalrwaj to Ihe nub: to the lialrnnv ami boardwalk. for three miles >,.n ran iii errupted line ol pounding breakers and sheets "t swimming I the mosl sublime and Inspiring scenes to be t id. TELEGRAPH HILL — TO the extreme right of the peninsula ol San I with dwellings Clinging to its Hanks and tie.s upon its ,i,sl I phon its 300-foot height announced Incoming vessels. THEATERS — Pew modern cities have contributed more to thi Francisco, with its discriminating taste, It Hood in the drama, and its cordial appro latli n the greatest actors were drawn to < alifornia. I >l« In i stormer w her. he could gel no beth r h wen- the Brsl managers ol the old I al San Francisco and was stage manager "t lh< i N ' H ' the Hush street Theater ror Bfteen years toll theatrical career In San Francisco. William \ ins theatrical i at eer In tins citj , Blam well's l heal. r. in San l i am at the Van Ness Seminal v . Uav Id W Bl 111 Id. n head usher In the bush Street I i Wigwam Vaudeville developed its best form In this Orpheum is the mother theater of the famous "Orphrum vaudev die entertainment In ■ hicago, s out the United Mates, and which has 127 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST THEATERS — Continued The Orpheum was built on its present site in 1887, by Gustav Walter, who had been successfully conducting a music hall called "The Fountain" in the Thurlow block, on Kearny street, and the Germania Gardens, in the Mission. Ethel Barrymore and Sarah Bernhardt have appeared on the Orpheum stage. The present house was dedi- cated on April 19, 1909. Probably the theater that stands highest today in the affections of San Franciscans is the Tivoli, on Eddy street near Mason. It has furnished both opera bouffe and grand opera to two generations, under such circumstances of homelike simplicity and comfort that it has become an intimate part of the life of the city, and the reopening of the theater in its new home on March 12, 1913, with Andreas Dippel's Chicago Opera Company, and Tetrazzini singing Gildea in "Rigoletto," was one of those heart- warming events that have done so much to make the new city one with the old. The Tivoli had its origin in the old Vienna Gardens, on Sutter street near Stockton, next to the synagogue, the Temple Emanu-El, in the centennial year of 1876. The house had been built in boston and shipped around the Horn in sections for Judge Burritt, and afterward became the home of Dr. A. J. Bowie. Here F. W. Kreling and his sons, Joe, William, John and Martin, conducted a place of entertainment, where people could sip beer and smoke and enjoy "variety," long before the days of vaude- ville. Prospering, the Krelings wanted a large house than the one that had come in a ship, and built it on the Eddy street lot, in 1877. How the old Tivoli looked from without you can see by the bronze relief on the west wall of the vestibule of the present one. In 1895 regular grand opera seasons were instituted. In 1903 the Tivoli moved across the corner to the old cyclorama building rebuilt as an opera house. Here Tetrazzini sang Gilda to roof-raising applause, which sent her forth with a San Francisco triumph to her credit — and San Francisco's judgment of her was con- firmed by the world. After the fire she came back to sing, as a mark of gratitude, in the streets of the city that had first acclaimed her, and on the completion of the new Tivoli she again appeared in the role in which a discriminating San Francisco audience had recognized the rise of a new star. There are no old theaters of any consequence in San Francisco. The new structures have all been built under the most exacting safety regulations, and are better equipped and more modern in every respect, with stout steel frames, fire-proofed walls and plenty of exits. In decoration, the best of them are unsurpassed. The following list will give the principal downtown playhouses and their locations: ALCAZAR — O'Farrell street, between Powell and Mason. COLUMBIA — Geary and Mason streets. CORT — Ellis street near Stockton. EMPRESS — Market street, between Fifth and Sixth. Vaudeville. HIPPODROME — Formerly Gaiety. O'Farrell street, between Stockton and Powell. ORPHEUM — O'Farrell street, between Stockton and Powell. Vaudeville. PANTAGES — Market street, opposite Mason. Vaudeville. SAVOY — McAllister street near Market. TIVOLI OPERA HOUSE — Eddy street, between Powell and Mason. There are four auditoriums in the residence district west of Van Xess avenue that are the scene of gatherings too large for the ordinary downtown halls. Here are their locations : AUDITORIUM — At Page and Fillmore streets. COLISEUM — Baker street, between Oak and Fell. DREAMLAND RI\K — Steiner street near Post. PAVILION RISK — 2189 Sutter street, corner of Pierce. TWIN PEAKS TUNNEL — The largest municipal tunnel in the world, devoted to rapid transit purposes, is now in course of construction in San Francisco, and will be completed in about two years. The easterly portal of the tunnel will be at the intersection of Seventeenth, Market and Castro streets, and the westerly portal will be about 3,000 feet easterly of the intersection of Sloat and Junipero Serra boulevards and Portola drive (formerly Corbett road I. The tunnel will be a single bore approximately 12,000 feet long and of a general width of twenty-feet, lined with reinforced concrete, and will contain double tracks for electric railways. The cost of the tunnel when completed will be about $4,000,000. Six hundred thousand dollars was expended for rights of way, practically all of this amount being involved in the purchase of a strip of land ninety- five feet in width and about 2,000 feet in length — being the approach to the easterly portal. The s 1,000,000 involved in the cost of constructing the tunnel and the acquisition of rights of way was raised by assessment on property lying west and east of Twin Peaks. About 85 per cent of the amount has been contributed by prop- erty west of Twin Peaks. The construction of the tunnel is designed to bring within a twenty-five-minute radius from Third and Market streets the district lying west of Twin Peaks which cannot now be reached in less than from forty-five minutes to one hour. The tunnel is intended for rapid transit purposes exclusively and will not be used for vehicle or pedestrian traffic. Two stations are to be constructed within the tunnel, one at Eureka street and the other one near Forest Hill. The effect of the tunnel will be to render accessible 50, 000 building lots and thus provide homesites for at least an additional population of 100,000 in San Francisco who otherwise would live in transbay cities or in San Mateo County. 128 SAN FRANCISCO THE FINANCIAL, COMMERCIAI INDUSTRIAL METROPOLIS 0/ th, PACI1 l( COAS1 TONNAGE MOVEMENT, POR1 0] SAN FRANCISCO See Shipping in San Francisco. UNIVERSITY OF CM. II ORNIA Sec Educational Institutions. UNITED STATES COURT HOUSE \\h POSTOFFIC1 BUILDING Situated at the north corner ol Mission and Seventh Postoflice like this in tin 1 nit,, 1 Suites. Here you w not white marble only, bul rich, warn Numidian, trimmed with Verde Antique and wil Maryland. The -^ 1 > l « ■ <>\ treatment is Itulian Rei quadrinated vaulting are picked out In ulass i. with It. Some of the United States couii rooms an pressive, and the chambers are Qnished In a «.^ tl us sumptuous. The building cost two and a hall mill The United States ' Ircuil Courl ,,t Appeals, for th< Ninth I h;is the widesl range "i jurisdiction, territorially, "i ai It hears appealed cases from the whole Pacific < ■ ..i-i fornia, Oregon, Alaska, Hawaii and even from the l niti in Shanghai. In addition t" the Postoflice, the structure hou libraries and chambers of two divisions "i the 1 nit. . 1 Northern District <>i California; of the Master In < ho ofllcials. \t present the S;m Francisco Postofllci hold United states in respect t" postal receipts. Since 1888 th.^, i. to (2,670,179 for the fiscal year ending June a year, or over 300 pei cent in the annual totals, in t«, UNITED STATES CUSTOM HOI SI Facing Batter} street and extending from Washington la pressive and beautiful structure, erected since th half dollars, it is built "i granite and handsome!) iimsi bronze. Here ships are documented and registered and customs dues collected. 1 1 STOMS hi 1 111 - Receipts "i customs duties paid Into the l nited States i : Months I'M i January February ■ March \|n il id g '■' June -,, to .IiiIn August SOfl 1 September 181. H October November I)., ember ToUU 1010 161 g . "i u ■ : 1 1 • . I ii. s, Hg Hank >d Oakland Foi thi I 1 list, 111!) .1 UNITED STATES MIN I \t the « esterlj ci met ol " Will take \isit.,is through and -\| building is ni i lute turnllj h i ,,1 th, l mi, ,1 Stab s .,1 \> with a s, iis, ol thi ■ SAN FRANCISCO THE I l.\\\< I \l.. COMM1 I •,,/ INDUSTRIAL METROPOLIS of ///-• PACIFK COAS1 UNITED STATES MINI" <:<>ntiiuirr from tin- earthquake. The original Mint build on Commercial street. More gold has been coined at the San Francisco Mint i 1854 th;ii) :it any other in the country, not even excepting Phil been coining since 1793. At this writing tin- San I ranclsco Mint is I the country when' gold is coined. Over 11,432, worth pieces have been minted at San Francisco. Of ten-dollai have been produced hen-, and (138,120,040 iii live-doll quarter thousand gold dollars have been coined :it this mint, bi found except at an occasional money lender's office along Montf three-dollar gold pieces and a large number of quarter-eagles » Mint will undertake, on contract, to turn • > 1 1 1 mone) for an) i entral \ or Pacific island thai has no coinage facilities ol its own. In the fiscal year 1912 this Mint received ovi worth of | from all over the Pacific Coasl and Alaska, some from thi even Japan and Australia. The processes are Interesting to watch, and v always welcome. The supposition is quite general thai a mint bullion, tnkes it to the Mint and receives the same metal I verted into coin of the Republic. He .Iocs not. What hap] The bullion is taken to the receiving room, and the owner gets : by gross weight, with nothing said oi its value. Thence it goes to Ihc deposit he where most of the base metal and dirt is eliminated, Back In the n nn it is weighed, and then goes into a machine that chips a little "II each lid pieces are assayed to determine their fineness. Weight and ass over to the computers, who by an exhaustive calculation ascertain the vi cheeks on this process an- so complete that all danger of error is eliminated. \ warrant is drawn lor the amount, less charges lor assaying at I depositor receives his mone) on the daj following the deposit. lin hull the propertj of the United states. At present little gold is being of it are likely to be melted dow n into bricks .i about tour hundred about 18,000 each, and stored like paving blocks in the basement. If (hi Silver it receives this sort of treatment: first the inciter ami refiner takes bullion and puts it through an electrolytic refining process, which turns line, ami better. It then receives an addition of enough copper I.. . thousandths line. In the melting room it is run into in^.ts. which pickle, smoothed on the edges, trimmed at the ends and sent ha. k lo tl room, where the metal is weighed and assaved once more, ami di as nood and proper law material from which to make mone) I his h process makes a fascinating scene, with the liquid gold or silver | i the iron molds. The coiner's department takes tin ingots and bj successive passages Ihroui rolls reduces them to strips ten to twelve fed long, and Coin thick ribbons then go through a machine that punches OUl Ihe planch-" look like buttons with the shanks lost. \ weigher sits alongside, snatchii from the hopper as thev tall from the machine, and weighing Ihen that the Strip has been lolled ei,..ugh. and that nobodj Is Uncle Sam's metal in his money. Annealing and cleaning follow through the dryer, whence the blanks go to the milling machine and tin \ be milled, reeded on Ihe idges. ami stamped into legal tender. Win stamping is preceded by more weighing, in automatic weighing mach lhe\ have lo be encased in glass, ami so Ingenious that lhe> - heavies, automatically, from blanks ..i proper weight. The light and must go the round again, but the heavies an- i lamped in .1 loth) at a time, and delicatelv Bled on the edges as thev turn. I! counted bv means of hoards fitted with Addles or nets, which i uniform number, and llnallv thev no to the g' BOtll called into circulat ion. The long-continued heavj coinage of gold at Sn nected with the peculiar financial hlstorj ol Callfot have always preferred coin lo currency, ami it maj have sentimental regard for the metal then mines I that all through lh» thev Conducted their business em a specie payment basis 1 It, and general convention refused lo recognize lh< except at enormous discount. f*hosi Interested In num entrance room of Ihe Mini a rerj Interesting collection ni Socierj "t I allfornia Pioneers, an. I here alsi te. the Government. In the Pioneers' collection ••( coins bearing the' stamp "i Frederic* D. Kohler, - culated as money, oi the value -i 150 These wer< days was scarce ami it was the' CUStom t"i the- San Fronclsco n balances on his counter lo Weigh th. gold "lust, which p.. Some more convenient medium of exchange was been established, s.. prlvati Arms Issued stamped Ina circulated at the- face value •■' 150 in Ihe windows along Montgomery street tin re- can still b< s,.-, »p as thev are' .ailed. s,.no ..| th.ni issue, I bv tugUStUS Iturnl • and dated 1851 and 131 SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST UNITED STATES MINT— Continued TOTAL UNITED STATES COINAGE Mint of the United States, San Francisco, Cal. Double Eagles $1,432,570,520.00 Eagles .. 141,384,060.00 Half Eagles 138,1-20,040.00 Quarter Eagles 1,861,255.00 three Doll.irs 18f5.3O0.OO Dollars 90/23-2.00 Total Gold Coinage to December 31. 1!>U $1,714,212,407.00 Dollars $109,522,073.00 Trade Dollars 26,647.000.00 Half Dollar ... 31,785.445.50 Quarter Dollars . .... 11,289,534.25 Twenty Cents 231,000.00 Dimes . ... 8,541.218.90 Half Dimes . 119,100.00 Total Silver Coinage to December 31, 1914 $ 188.136,371.65 Five Cents $351,100.00 One Cent 284,730.00 Total Minor Coinage to December 31, 1914 $635,830.00 Total U. S. Coinage to December 31, 1914 $1,902,984,608.65 Foreign Coinage to December 31, 1914 ■ 83,217.071.72 Grand Total Coinage to December 31, 1914 $1,986,201,680.37 VINEYARDS — See production of California. WATER SUPPLY OF SAN FRANCISCO — As soon as the excitement of the gold rush had somewhat subsided and the pioneers began to reflect on the needs of the permanent city that would doubtless rear itself on this peninsula, it became apparent that a pure and adequate water supply was essential to the future of the community. Out of these needs has grown the extensive system owned and operated at present by the Spring Valley Water Company. The earliest supply of water came from wells and springs within the city's limits, hut as a more congested population began to require a greater supply than these sources could produce, additional water was brought from Marin County and distributed by water carts. It was during the fifties that the development of an outside supply of water was undertaken. At that time the Mountain Lake Water Company was organized, which proposed to deliver water from Mountain Lake, near Lobos Creek. It was not until 1858 that the San Francisco Water Works, which had been organized in the preceding year, began the delivery of water from Lobos Creek, around the shores of the Golden Gate, through a tunnel under Fort Point and by flume, pipe and tunnel to Black Point, from whence it was pumped into two reservoirs at suitable elevations. Protracted litigation between the two companies ended with the suspension of the Mountain Lake Water Company in 1862. The Spring Valley Water Works, as the present company was originally organized, took its name from a small spring said to have been located near the intersection of Mason and Washington streets. George H. Ensign organized the company in 1858 under a charter from the Legislature, but from lack of capital, his operations were limited and his company was taken over by stronger financial interests in 1860. The new company, that is, the original Spring Valley Water Works, was the first to develop water on an extensive scale. It proceeded at once to develop a supply from Pilarcitos Creek in San Mateo County and began the delivery of 2,000.000 gallons a day into San Francisco in 1852. Meantime, the San Francisco Water Works continued to exist and deliver water from Lobos Creek until 1865, when it was consolidated with the Spring Valley Water Works. The only change since the consolidation was the reorgani- zation of the company in 1903 as the Spring Valley Water Company and the develop- ment of new sources of supply as the growth of the city demanded. In meeting the needs of Sail Francisco for a water supply, many difficulties have had to be overcome that do not usually present themselves singly, and rarely col- lectively, in any other city. One is the peculiarity of the dry and wet seasons that causes the periods of rainfall to be interrupted by long periods of drought, to tide over which an unusually large storage capacity is required. Another is the topography of the city, consisting of many hills and depressions that present great difficulties in maintaining a good pressure. Addded to this is the isolated situation of San Fran- cisco on the end of a peninsula. With the exception of the Lobos Creek supply, which is no longer in use, the peninsular supply was the first to be developed by the Spring Valley Water Works. It developed these resources until they include three great sources in San Mateo County, with a watershed having an area of about thirty- six square miles. This is one of the most delightfully situated tracts around the Bay cities, consisting of beautifully wooded hills and dales under abundant rainfall and possessing a rich verdure the year round. Beginning with the land in the City and County of San Francisco, the Spring Valley owns more than thirty tracts, with a total area of more than 2,000 acres, of which the greater part consists of the water-sheds surrounding the Lakes Merced, including the lakes. The other properties within the county comprise reservoirs, rights-of-way, tanks, crossings, pumping stations, etc. The two Lakes Merced are situated in the southwest corner of the county and have an area of about 350 acres. They are fed 132 SAN Hi \MIS(.(» | in, | |\\\< | \|.. < OMMERI I [NDUSTRIAL METROPOLIS o/ the PACIFK COAS1 WATER SUPPLY OF SAN FRANCISCO Contii by innumerable springs in the bottom and around the shorn ol ti through the sandj water-shed "i about eight square miles system has been installed, l>> means "t which the surfaci water-shed are diverted and carried towards and into lh< of a dam at the outlet of each hike has served t" proi two and one-half billion gallons. As tins large watct the limits "I the cit> and county, San Francisco is p famine in case the outside supplies should be tempoi earthquake or war, \ pumping plant, known ;is the "< it\ Pump on this property. Of the company's San Mateo < ountj consists of the Pilarcitos, San Vndreas and < rystal spi water-sheds, which comprise nearlj 25,000 acres. The Spring Vallej Water ( ompanj owns. ..i controls, on the Vlon (Mt. Hamilton and Mi. Diablo range of mountain shed, on which there are three large reservoir sites, which will )>• ;is the demand for water Increases, rhej are known as tl and Arroyo Valley sites, and the whole system is general!) n The presenl average dailj supplj from tins ssytem is about slxti and conies limn the filter galleries located In Ihe gravel beds and The present producl of about sixteen million gallons • water is conveyed westwardlj through the Sunol aqueduct, consist concrete lined tunnels and some stretches ol heavj red* I Dunn receiving station near Siles al an eleavtion ol al t 180 fi carried underground through a 36-inch wrought-iron plpi Newark, where the pipe line rises onto a pile-bridge on which it of 16,000 feel (over three miles) to Dumbarton Point on the east side ol ti the waj to Dumbarton Point the water- is conveyed under n it thereafter under the Baj ol San Francisco, through four submarit two of these pipes being sixteen inches in diameter constt being twenty-two inches in diameter constructed in 1901-2. I of the four lines of pipe under- the slough is 300 feet, and that UI1«I< feet. In the channel ..i the bay, the bottom on which the pip fiftj feet below the high-water level. These pipes are con ban] and the slough with the 36-inch Vlameda pipe line. On the westerlj shore of the Bay, al Ravenswood, the four submai into one 36-inch wrought-iron pipe, which is carried on ■ pile pipe ti marsh land a short distance and thence underground to the Belmont. The Beln t pumping plant, which consists of Hve untts, ) lifting twenty-three million gallons ol watei a day. Hen II pumped into a standpipe having a height ol enters a 36-inch wrought-iron pipe Hue which passes tin-.. ami joins 1 1 1 < - Alameda al-inch pipe line near Iturl i ii^arm nected with the < rystal Springs pipe line at the Millbrae pump with the 14-inch • rystal Springs pipe line. In addition t.. its large holdings on the San Francisco Penh Water Companj owns properties and water rights on Iht system above described. Thej are located on tl Gregorio Creek and the Pescadero i reek, l he two latl gravitj Into the Portoia reservoir on the San Francisquito i bj gravitj Into the < rystal Springs system. rhi increasing the presenl peninsula supplj bj aboul lwenly-fi> The distributing pipe system in San I rancisco contains Iron pipe varying in diameter from 22 to II Inches, and • cast-iron pipe varying from 30 to '• Inches In dlameti \\ I si I l;\ [NDUSTR1 ^L CENTER The opening ol the Panama ' anal ha Industrial eon, hi s ..,, the Pacifli i ...isi n,. been accuratel) estimated, but it is i , has been enabled to turn in. face from Ihe setting sti the awakening realization "i ., new mid ol • •I eastern business has forced the western mnuul ol the continent, rhe smallest huslnei lo|- the dlstrlbul I ^..".Is. while M agents have extended tin us to much •■! tin belong to San Francls< o and otht seemed certain to nffeel tins condition, and when • through the canal announced, with tolls, were 10 , out tolls, t he i ui i i ■•' ■ ■ -I ' i ■ ■ ■ v rates demand thai Ihe great hulk ••! pi a large eastern section, will come h> w i oast ports, thus to be distributed t< i oupled w 1 1 1 1 these > \> eed mul \ the t nlted Stales. Ill the ln.w I.iiii.mis I case, has established conditions • decisions make it onlj posi established through lh< intermediate business. Phe p handle business li..m S handle the business from east San Francisco, w In. h al one tun I., come the beginning ol SAN FRANCISCO — THE FINANCIAL, COMMERCIAL and INDUSTRIAL METROPOLIS of the PACIFIC COAST WESTERN INDUSTRIAL CENTER — Continued probably be felt as far east as the Rocky Mountains, and the western business man can look with confidence to the expectation of the natural •western territory which is tributary to western ports. The natural thing for middle western manufacturers, under this new order, will be to establish factories on the Pacific Coast to care for Pacific Coast business. Fortunately, the growing population of the Pacific Coast area makes this an attractive thing. There are at the present time some six million people west of the Rocky Mountains, half of whom are in the State of California. The West is the most rapidly growing portion of the United States, and California with all of its wonderful resources and ability to sustain a great population, will doubtless enjoy a continuous growth, which will make it a great market for a growing industrial activity. YERBA BUENA — See Goat Island. YOUNG MEN'S CHRISTIAN ASSOCIATION — Has one of the finest buildings of its kind in the world at Golden Gate Avenue and Leavenworth Street. Here is a large gymnasium with a salt water swimming tank, and there are bowling alleys, handball courts, a billiard room and facilities for all sorts of social gatherings and receptions. YOUNG MEN'S INSTITUTE — Has its home at 50 Oak Street, near Van Ness Avenue. YOUNG WOMEN'S CHRISTIAN ASSOCIATION — Is at 1249 to 1259 O'Farrell Street, where it maintains a boarding home for young business women and an employment bureau. 134 DONAHUE POUNTAI / UC SOUTHERN REGIONAL LIBRARY FAC AA 000 914 535 ' ' , J }' ' ' '' ' ' '''' 1 i lip II