Reproduced from the Unclassified/ Declassified Holdings of the National Archives- Reprcidt1ced from the UnCJi:)S§lfleJ]:,J ue,c1c1~sr,11ea r)UICflJ9S 01 me r.,a:ou1,>a,. c,,v, "·' Vv SUivil\llARY liARRISBml.G PENTJSYL VJ!,l'!IA J 'f 7-21-36 • BY L GENERAL CONDITIONS ll THE :MORTGAGEE REHABILITATION DIVISIOlI '--16 Field Report Dated June 15, .1936 3 f--· Harrisburg,!! capital of Pennsylvania, is located in the southes,stern por-t.ion ,_ of the stat:e ,on the SusquehariJ1a River,. Widely diversified industries include manu-- ,,,..__ ,; !, (4.ir.>at...£~ facture or production of chemicals, food~ leather_,~ lmnber, iron, stee1t~ 1 other mine and quarry products, textiles and printing. The Department of Internal Affairs, in Harrisburg State of Pennsylvania reports that total value of products/declined severely from 1929 to 1932; but increased in 1934 and is shmming continued Lmprovement.. 'Industrial trend is sho~ as follow-s: Number of Jtverage 'No,. To-tal ':Hages Value of' Year Establishments of Empl_2.z~ end Salaries Products - 1926 200 8673 $10.,934.,000 $41.,902.,000 1929 202 8432 11,356_,000 41.,692.,000 1932 208 7262 7.,324.,000 18,,90lp000 1934 192 7486 1., 984_,000 22.,540a000 It •.mill be noted from the foregoing that there hf>ts been little reduction in n-i_rmber of establisbments and that -while total m.ges paid and value of products have declined., the number employed has not varied in proportion. The steady income of state employes has been a stabilizing economic factor -in retail a:n.d wholesale trade 1 which held up well during the depression~ A marked increase in retail volui~e is reported for the past 12 months.1 Growth of population was not as pronounced between 1920 and 1930 as in preceding decades: 2 Increase 0-ver Preceding Census Year Population Number --- Percente..ge 1900 50.,167 ... ... 1910 64,186 14,019 27.9% 1920 75,917 11,731 lS,,3 1930 80~339 4,422 5a8 ,P!_nsity of population is approximately 13,000 persons per square mile; 87.,5% native iiilt1.ite, -4.6% foreign born wbi te a:nd 7 .,9% negro; approximately 50% of total dwelling uni ts are ovmer-occupied., Harrisburg is essentially an 11 ope-n rshop 11 ci-ty., l\fot over 50% of' the 3000 building craftsmen in this city have organization affiliation, and the steel workers comprisin3 ·\:;he largest labor element are not strongly org,anized., Only recent labor disturbence was a stri1ce in the needle trades (mostly -wowPn) which -was partly successful., but conditions in tbis industry' are not settled as wag;es are still unreasonably low. Building craft wage $CRles in general a~prox:L.11ate the 1929 level. 3 Direct .3::.~,li,e_! load for Dauphin County_ (of which Harrisburg comprises appro:x:i- :iw.tely 50% or population} reached a pes,k in September 1935, but has sharply declined since then largely due to public works projects:4
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RG-195 Home Loan Bank Board Harrisburg Report Box 32 Appendix
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Reproduced from the Unclassified/ Declassified Holdings of the National Archives
Reprcidt1ced from the UnCJi:)S§lfleJ]:,J ue,c1c1~sr,11ea r)UICflJ9S 01 me r.,a:ou1,>a,. c,,v, "·' Vv
,P!_nsity of population is approximately 13,000 persons per square mile; 87.,5% native
iiilt1.ite, -4.6% foreign born wbi te a:nd 7 .,9% negro; approximately 50% of total dwelling
uni ts are ovmer-occupied., Harrisburg is essentially an 11 ope-n rshop 11 ci-ty., l\fot over
50% of' the 3000 building craftsmen in this city have organization affiliation, and
the steel workers comprisin3 ·\:;he largest labor element are not strongly org,anized.,
Only recent labor disturbence was a stri1ce in the needle trades (mostly -wowPn) which
-was partly successful., but conditions in tbis industry' are not settled as wag;es are
still unreasonably low. Building craft wage $CRles in general a~prox:L.11ate the 1929
level. 3 Direct .3::.~,li,e_! load for Dauphin County_ (of which Harrisburg comprises appro:x:i
:iw.tely 50% or population} reached a pes,k in September 1935, but has sharply declined
since then largely due to public works projects:4
Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproduced from the unc1ass1nea'/' uecrassmea.nommgs or. me ""wu.ai,-,,w_,vw.
III. lKORTGA.GE LfillTDING INSTITUTIONS Al.w MORTGAGE DEJ'villiifD.
Fifteen ba.'1.ks B.nd trust companies ha-<re done and are doing the major mortgage
lending in Harrisburg. A few trust companies will lend up to 66-?/3% of appraisal
but 60% is the usual maximum. Loan periods are from l to 3 yearsJ interest 6%.
Practically all of these institutions are making FHP~ loans although to no appreciable
extent. ·combined, they made 28 resid~ntial sales totaling $1341 699 in 1935 s_nd 20$totaling
$95,016- in 1936~ Du.ring 1935 and 1936 they made 184 residential loans for a total of
$621,854 • .Ample funds are reported available for home financing aud no co:mmissions
are charged; the only costs to borrowers being those incidental to closing the loans.,
Interest -oaid on savings deposits., 2½%.
Local Tustitutions
liJ.lison East End Trust Ca..t1.p}! Curtin Trust Capitol Bank & T~ist Central Trust Citizens Trust Dauphi..~ Deposit Trust Harrisburg Trust Keystone Trust :Market Street Trust
S.u.b tote.ls
Outside Institutions Lem.oyne Trust New Cumberland National New Cumperland Trust Penbrook National Pe6pl~s Bank 0£ Steelton Steelton Bank & Trust
Sub totals • ,,.1 GR.11,_ND TOTAL
; f .Including_~nvestm.ent of ,:'. ~ ..... <. -d-. ~-
: .· ~
$esources
$ 4,161.;;000 3.,777,000 3.,033.,000 6.,936,000
822_.000 15,038.,000
9.,663,000 2,,457_.000 1 .. 054;!.Q.~
$44,941.,000
2,775.,000 918,000 958.,000 435.,000 719,000
--3.12£~= ~~ $53,.254~000
trusv :(und.;;;
l Individual holdings follow:
Local Residential _!,,o rt g;t:~e-s :.
$1,421,000 249_,000
5,500,000 3.,700,000
680.,000 4.,774.,000 2,395.,000
865,000 i __ l03&QOQ. :ii;l9.,687.,000
1,173,000 13,000
200,000 42.,000
167.,000 ___ §42~~ $ 2,437.,000
...,_.,,,.. t: •• l:i!llit Ito $1...A,ldD,\J,CDI
~~
Local Residential
Real Estate Owned*
$ 325_,000 234.,000 310_,000 350,000
52,000 667 ,ooo 241_,000 111,000
46!000 $2,342,000
165,000 19.,000 19.,000 15.,000 59.,000
242:,000
! _ Al9,.000 ~tm" ..:!....L..:::.:::.;_
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
OtJMULATI'IT:El CllRlU;JNT DEL. RATE Bl~E BON1JED SU.iK:CNG ]01\il)]'J)
~-....l!:l!~----Id!..~-~--" ... JL ... -l1i!___~tl.L.~~~1-~.--!1!l'L---~------~ 9ou:nty Tax £:igu.res a:re only that po:rt:lon ap:pli.cable to Ha,r:cisblu•g but County 1:iondecl d.cbt, :figures a:t"e fo:r the whole Co1mty. County
)0 1931 1932 1933 193~. 1935 1936
1930 1931
in 1932 <l) l ! j- 1933 <( t 1934 m tl C ::
1935 0 ) :.p •::I (U 0 ' ',6 z :::;, ill D
::S ::i' - ~ 0 :,
"' n 01 :J)
c:: = '6 5 0 5 I C 1927 "D j Q) ·!2 .1928 lj::l::::
-~ :~ .1929 ~ .33 0:, 1930 - 0 1931 "D <l)
~ 55· <f) "' <f) co
SQ 6 0 c:: C :::,
::::, <l)
<l) s :S E § g I
~ 'Cl 1,
"D ~ ~ -5· \, ::J O 'l e ~ ,, o_ o:: I ', Q) . >½\~~ a: ~,
.;i,,, ½. ....
~nd City figu.res as of. Dec. 31, each year. School tax :f:igu.r.es s.s of June 30th, each yet,;r. School Tax :figUl''<:lfJ fo:i.• yefJ.'t' e11dix1g 6/30/36, estin1ated.
COUNTY T.ll:.X - AGAINST HABHISBUB.G ~,....,....,.,-=-~·~~~~~,
Reproduced from the Unclassified/ Declassified Holdings of the National ArchivesReproduced from the Unclass1f1ea ·' uec1assmea 1101mngs or.me: 1~auu1Ja1,nrc-, .... ,·v~. ' I
.;...
HARRIS BUILDING AND LOAW ASSOCIATION
Harrisburg, Pennsylvania
From our arrival in Harrisburg until our departure, Mr.
Ellenberger, President of the above association continued to
promise answers to our questions, but ple-aded an audit in
progress, and he would not furnish any estimates pending its
completion. For the forms I and I•A we have arbitrarily taken
the figures from his last published statement. The associa
tion does not belong to the u .. s .. Building and Lo,an League,
F. H. La B. System, nor are the shares insured.
STATE CAPITAL SAVINGS AMD LOAN
Harrisburg, Pennsylvania
This institution, we are advised operates more or less all
over the State of' Pennsylvania. It is reported that the in•
stitution pays its agents in varlous cities a commission ot: l7o
to accelerate new share investment.
Mi•. Pierce, the P~esident, flatly refuses to give us any
information. Says he has no time or disposition to discuss his
affairs with Federal representatives. We learned he is not a
fjoinern. His .firm does not belong to the u. S. Building and
Loan League; when our Corporation was operating at loan malting,
he would not accept H. O. L. Co bonds in exchange for :mortgages~
He would not consider, so he says, joining the F. H. Le B$
System, insurance of shares or Federalization8 General opinion
expressed b-y officia]B of mortgage lending institutions :;~Pntaeted
was that the associations' ~ortgages in Harrisburg would total
approximately a million dol]a rs.. We cou,ld find no autho!'it-y fo'J?.
a conservative estimate of what the local real estate owned
volume might be. In making the Pittsburgh '.!'.'&epo!lt,, and a.gs.in
.from Johnstown, we addressed this assoc:ietion at Har~isbm'.'g
asking as to their activity at each point but were not ~avc~ed
wath a ~eply. M~$ Pie~ce held up both letters to us when we - ,.:
called on him at Ha~~isbu~g and seemed genuinely ~esentful of
our having written hlme
- 6 -A
Reproduced from the Unclassified/ Declassified Holdings of the National Archives-
Reproduced frorn the Unclassified/ Dec1assmea HOIOIGQS OT me 1~auu11at,t,o\lG,,,.,Gv_ -
't ---~t--,__- -
,·_.l-
VITLLI.ATuI NELSON Real Estate
Front and Chest:m:a:t \Streets Harrisburg, Pennsylvania
Mr. Nelson.thinks the remarkably high percentage of
dwelling occupancy is due to the change of administration of
State affairs.
Many new office holders have come to the city while old_
office holders, who were succeeded by the new, have been here
so long that they regard Harrisburg as their permanent home and
have not left. This with the normal increase and the absence
of new construction has developed a nominal 100% occupancy of
available living quarters. Low rental units have sharply ad
vanced in percentage, and top limits within the peoples in~
comes are being approached. Development of home buying interest
does not keep step with rental advances. Too many of the new
comers have what may be temporary assign:ments, employed permanent
residents are just emerging from. the effect of the long de
pression and relief rolls are.still high. Valuations for taxation
and the millage are being gradually reduced by taxation is
still high in relation to utility work or rental earnings.
EVAN MILLER
Milier Brothers, Real Estate
This man is the second generation of a firm 95 years old.
Their business is prima.rily property mans.gem.en t and fire in
surance. There does not seem to be any interest in constpuetion~ -
and but casual inte'.t"est in sales;. This fi!IM would fiE;;ltdoubt be
considered ift our Corporation ever adopted a polic~ of p~operty
management tru,ough local agents.' Two years ago, 1~. Nliller
advises, he had 1400 vacancies and·today practically none. His
rental advances seem to about fit with our a.escription of
- 7 -A -
t
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
Reproduced from the Unclas:sified / Declas.s111ea HOldmgs OT tne Nauona1.AJ:i.,1,wc~
rental advances by neighborhoods, that accompanies the map.
Mr. Miller's opinion is tb.at realty offering prices will stay
high and go higher but he does not foresee any marked increase
in the number of buyers in the near future .. It looks to him
like a continuation of large institutional portfolios.
W. M... HOLLINGER
Market Street
Harrisburg, Pennsylvania
Mr. Hollingerts interest· is primarily in building and
selling new homes. He seems able to keep going at this on a
steady but small scale in the $6,500 to $12,000 range. He
has one and two house operations more or less all tne time in
the ll areas shown on the map in the 9th and 14th wards. He
con.templates development on a small s ca.le in Camp Hil.1 sho"ltl1 in
Green on the West-shore.
He 1s working mill lumber, cement and other material men
to explore whether a profit could be made by building houses
to sell at $3,500. He thinks there ~s a definite market for
such homes. If this proves practical the. building will pro
bably be done at Colonial Acres which is sho1m on the east side
of the map just beyond the village of Progress.
P .. L. GRUBB
Real Estate Market Street, Harrisburg, Pennsj!Yania
From this source it develops that valuation shrinkage
generally throughout the city was much less than has been our
experience in other ei ties, and that .the 'r•ecovery from the lows
has been complete to former highs, in desirable neighborhoods on
properties that are priced in th,e,popula:r field. That 1s to
say, the asking prices have recovered, and generally, bargains
are not available.
8-A
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
Reproduced from the Unclassified/ Oec1as.srnea HOIOlngs orme l~al!Utlal "'"'"""~
There is still the relative absence of bids and probably
not more than 10 sales per month are being closed in the area
covered by the map* Mr. Grubb thinks there is little shifting
of the population, that there is the general infiltration of
aliens and one generation Americans througout all sections, and
ti_½_at the Negroes a.re generally housed in the 7th and 8th. ,vards.
From him we learn that because of local deposits of brick clay
and because of local brick kilns, about 90% of the st~uctures
of the city are brick, which seems to retard depreciation in
comparision with frame structures.
E .. R. Donald
North 3rd Street Harrisburg, Pennsylvania
This man appears to be the one live go-getter of the
Harrisburg realty dealers. He has closed 15 sales for about
$70,000 in the last two months. This appears to be more than
half of all institutional and brokerage business done during
that time. His effo~ts are largely devoted to inducing in•
stitutions.l portfolios to accept small down payments where
they already own the properties, that is, to sell on contract,
and thereby pro~ote trading. Mr. Donald thinks there is some
gradual renewal of home buying interest and that trades will
continue to be made by hard plugging. He does not consider
the practical 100% occupa~cy of fit u..~its as necessarily a
forerunner of sales in volume. Thinks it likely~ as far as can
now be f~reseen, that the pu~lic is more disposed towa~d renting
than owning.
Reproduced from the Unclassified / Declassified Holdings of the National Archives·
ill1ison East End Trust Camp Curtin Trust Capitol Bank & Trust Central Trust Citizens Trust Dauphin Dep. Trust Harrisburg Trust Keystone Trust Le~oyne Trust Market st. Trust New Cumberland Nat. New Cumberland Trust Penbrook Nat. Bank Peoples Bank Steelton Bk. & Trust
J / '3 TOTAL
Location Resources
Harrisburg., Pa. $ 4,160, 9.31. u n 3,776,681 n tl 3,032,683 u tt 6,~36,261 tt fl 22,373 ,~ u 13,~~7,973 tt If 9, 3,592 n tt 2,457.,183
Lemoyne,, tt 2,774, 7~0-Harrisburg, n 1,054, 5 4. New Cum.berland,Pa. 917,735 New Cumberland,Pa. 457,612 Penbrook., Pa. 1 34,815 Steelton, Pa. 719,260-
-~t \~ 2 z 5.0'lz 877 .
$53.,254,330
Building and Loan Associations
Harris Penn State State Cs.pi tol
TOT.AL .
In Liq_uiciation
Gommonweal;xh Trust Commercial Trust Mechanics Trust Security Trust Union Trust
Allison East End Trust Ca.mp Curtin Truert Capital :Bank & T:t"U.st
· Central Trus ·t Cit iz 01'1.S Trust ·· ·~;phin. :Oeposi t Trust ti.1:0:tRISJl(mG T:t-ust Keystone T:i."U.st Lemoyne T1-us t M,:,,rket Street T:ru.st I~ew Cumberland. Nat. Bank New C-illnbarland T:t"USt Penbrook National Bank P('>o:pl.ea :Bank Steel ton :Bank & Tl"l.:1.st
Total
Harris Building & Loan Perm State J3u.ilcl.ing & Loan 0~.ate Capital Bldg. & Loan
)
Total
' 'U) ~-
i J;J iii · · Commonweal th Trns t I u ro : ~ ~ •Commercial T1"1.1.st . - '.:l . Mechanics Trust
fih Terms -of iale' 'inclu<ling down payment .require,,i" &~•OX''. :i·,:;,,_.-,~L:'.F d' :)s:V•,n:',')_~ interest rate and if amortization includes allovr_u-:v, f',~:::_- -'.,2_-x:0:c: '.-l.I:•,l in:curanco:
:ete!:~~~m:n~~r=ri~~u:~-~~t fQlf p1:m~tpal em
(over)
l2 - A
t
Reproduced from the Unclassified / Declassified Holdings of the National Archives-
R~produce9 from the Undassifre.dfUec1ass1f1ed HOidings OT me Nauuc,,u "''v•a,~.
·<"':- -
FEDERAL AFFILIATIONS
17. Does the \nstitution ha-ve:
a .. federal Reserve Syste:mmem.bership'? h. __ federa;L Home Loan Bank meI!lbel"ship? c.,. Depos{t .Insurance by FDIC?: · · ' · ··
1-8\ Ts the ins ii tution making' use oT ·credit, facilities av:ailable through Federal affiliations?
,:: •.::.··
~~--------~-----._,_<_;,· __
20. Attitude ·toward Federal program:·
· ~ i;,·,L,i,' ~iv1v - .
GENERAL OPERATIONS
21. Discuss collection methods including percentage_ of loans delinquent and define •such.delinquency:
-~~---~~t -1$% ~e.~ 1n uter~-
22; Growth in deposits during the last 12 months:
.AxmuaI''interest· rate paid on s?,vings and time deposits:
23. General ~istory- ~f operations since 1929:
l'ot ri;at~
n 175,JXJO 'ii' ________ _
... ,,'. ::.~ % -~-~------
. '·., ·.
24~ Summarize internew with offieer contacted: {Seo separate instrti'i::tions)
.--..,,,,.,- , .. ,~-:.-.. ..,;
{If/there is n.ot sufficient s:paco on this form to adequately o-over any particular point, continue your remarks· o,n an additional :gage; i:mnrodiatf.,ly :follow-ing filld -koy the same to this :f'o,i.-i..,;; )
Reproduced from the Unclassified/ Declassified Holdings of the National Archives·
Reproduced from the Unclassified/ Declassmea Ho1aings or me Nauom:11A1c.u,xc~ t ...,.... ___ :. .B'~ No.., 5
(I{:there is not sufficient apace on this fprrn to adequately oo-ver any particular noint,-- continue your rcma;.k,s on an additir.mal 1rage~ iIDID.cd.iately follo,'<in~ nnd. ~oi tE:8. .. ~mTI.8 to ·ctfi.J:s~fJ~.} ,,0:. ,:-c'' ,L'~ v;:,;z YI,::1~.::/S''>: ,
.-. • ,c.,."-,. •
't
Reproduced from the Unclassified / Declassified Holdings of the National Archives·
Reprodu~edfrom the Urn;lassifiedj Dec1ass1f1ea t10IOJAgs OT me Na110flcll,J;\IGJ """~.
---..... 6-~---/C 7. Are FHA loans being made?_.,..y""*""'S_.,_Title I: $ l,O~ Ti tleII; ~ ------8. Will the institution lend the maximum 80%' of appraised value? -------
Will loans be· made r·or the maximum loan period of 20 years? _______ _
9,. is ·a:' c:ommi·ssi"on·~harged? - If so~ who ·pays it? G:i:v:e' amcount 61' ccirQmission arid o-ther loari. costs to. ~orrower:
10 .. · Res-:fderrt.i.al loans- made in , H:34:, No .. 1935: No~-. --1,-----
. 1'936,: · No.1_· .... ·i.• .. ·.· __ ~
.AIIl.0'-Fit $
.Amou~t $-'--~.-... -.~ .. -Q;'--..... ---
.Amount $-45h,g~OOO~.u··.·_..__ __
Other mortgage loans made irt 1934: No-1935: N'o'~..,.•-.---1936: lfo.
11, Total· r.esidentiill mortgages held by ins ti tutiom .-No. 641 Amount $:z,,:a,5,095 • • • • •••'•.c,
Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproduced tromtne unc1assme0J 1.Jt:vld~""'"'U, [7Ul01118" Ui. LIIO ,,au,V",'.'C",v",. __
18. Iir"the .institution:making'use"'Of- credit facilities available through Federal affiliations?
20 ..
GENERAL_ OPERATIONS
2L Discuss collection methods including percentage of _loflns. delinquent and dE>firte : sucn' di3linquency: · . , 23$ dtlillqtt'8ll:t m int.erest. Notiee of intere.s:t ~; petsan.u eru.lJ
for~osnre:.i · .,, · ·
22. Grcmt;,,,~ in.deposits during the last 12 months:
Annual _fnterest rate 'paid on' savings and timG depo&its :'
23. General history pf operations since 1929 t :1~19~,. • ~de: -~S, fa.l:" ~t ·d'$:~'.GIU:llm8i' 1933•1936 - Withdrew fXOl! field and. have been re~liJ!g ~l ~t~e4 ~~ . ·;·::-·· ., ,.,· ·.· ,.,
.,'.,;,., ' .. ;--
24. Summarize interview with offfoe'f :contflct,e.d:. (S~e separate it1stru,:>-tions J ,.,,._ <:··· ., ,- • ' ,., ,1_
.For ye~s it, ·1iaS been .~a ~~~:;[: .~~ tl!~ ~ ~1i t~.-~. ~~rtg~e -~~ ~b .ite. eoeer~. ~~,de_p~1tt (th~· H~~:~Jio~' Ba~J. ~. h~e ~1? ~Sib!$ bc7 l"~fflil :alt th'si:r ~B~~¥Fti -a ~~f,e€il,f ·.-,;ngage ~~"t' ... ; ~~• ~easa m ~~its :<tees trot ~~, ~r~ore~ .. tl'.iat thlli ~ is ~ailablill .foc~ m.~~ 1:onL -~6¥ stoppeii ~ llfflt. l~fii. in 1'13'. w~ the hanking law was eh~eiii whl..eh :no :to~~ alul'i!mt3d the ga.animteej;.ug ilit' m,c1-rtgage lo~s-,.. Tkq a,.""'e calling m thes.~ mortgag~ at preia~ _ Says t.llel'e is emisid~hh ®!l!&"tti :f'o~ ~~:f;t.aila mon:•~ 1:mt. thig;; b&nk: j;.~_~g :ao- &~~~ft ,!__,.- • _,;.,y . ,.. J::· . ,: ',, '·~1- ' 3."1~ ... , ' ,' ·J- .. ' . ' 11P' 19 u t! .. •:-f,. . . . =4,;,::· . ·· .• ..o, meeu· 1~ ·· ·~ es ...uey. ,~ iitpJ;,t"m& .. ~'.!.., J:-•.., ~ -~ .i~s tll-ey are not 1µ.,.-u1;e:mptl.Jlg
to . pat. any m c;~tio14 · Sa-ys banks wme:h fai.led w"EWe em~Nf~~ed by_ their ~~t-sed ~rtgaga,s,..; · · · · · ·
(1:r--''there is n,et su.£f'icien-c sps.e:c on this form to adequately C'f)vo;r any particular point .. continue your~ remarks on an &ddi tional page,. immediately follo1'Ving o.nd key the same -eo:.t}{f:s feA~:): , ;,. ,
i . '_; :.. f ~; ..
• J _,,. _,,. 4':r
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
7. Are FHA loans being made? ~ TitleII: $ -------8. Will the institution lend the maximum 80% of appraised value? --~
Will ioans be made for the maximum 1 oroi period of 20 years? ~
9. Is a commission Gharged? • If so, who pays it? Give amount q-f: con,mission and other loan costs to 'Sorrowen--
10. Resia~ntial 11,ans made in 1934; No. '.1 Amount $~:JJIJ,11 . -~·-;;; 1935: No .. .t Jrrn.ount $ '.l~:1'~10 1936: No. 1 ilmount $ ..i. ~ . f1-· .
Other mortgage loans made in 19-34: No. ~- Amount $ 1935; Uo. 1 Amount $ ·1,jm,J 1936: No. ~ Amount $
n. Total residential mortgages held by insti tutiom -No. 1ft Amount $ ;16~~:i
Total other real estate :mortgages held by institution: No •_____A_ Amount ~
12. What amount of the total residential loans made in 1935 represefited ref:iuancing of mortgages· formerly held by this institution? -~-- JJ;ffl,"",=:·_, __
REAL ESTATE OWNED
13. Am6unt of' :tes:i:dential real estate ovmed: Parcels ____ •=:t ... ~ __ Book Value f~ l.1?;11~
}._mount of other real estate oil\JTI.ed: Parcels __ =l __ Book Value $ 31~
14,., Potent:~t:i:+ r~sidential real estate owned during next year: $ &,.i:71
Other potential r~al es~ate owned during next year:
15.._,: Re.sidential real estate sold during 1935: Parcels Value $ . _· - ,fi: 1936! Parce}'.s ____ Value $---·'""'o ..... ::--
Other real 'e:state sold durtng 1935: Parcels 1936 ! Psr.nels ___ _
Value $ f$ Value $ 0
1i<W Terms- o:r sa:le includint down pa:y:ment ''i<equir€3d, amortization of balc_nco, interest rate and if' runo:ri::izs:tion includes allowance for taxes and insurunoo-;
Reproduced from the Unclassified / Declassified Holdings of the National Archives·
Reprodbced fromth.e Unclass!l!ea I uec1assmea 1101rnngsorme.mrnuoa1 "'"',"v~-.
FEDERAL AFFILIATIONS
17. Does the institution have:
a. Federal Reserve System membership? b~ Federal Home Loan Bank membership? c. D_epos_it Insuran,ee by FDIC?
' ·~
---~-·· ..... · ......... -~-....,--J:8~ r's· the institution making use of credit' f'acii'ities available
through Federal affiliations?
19e Exteirt of' b~'rrowings or advances: ,, . ~P ___ ~.;,, .. · __ _
20. Attitude toward Federal pr_ogram:
GENERAL OPERATIONS.
2L Discuss collection .methods including percentage.of loans delinquent and define. such delinquency:
22. Growth in ·deposits during the last 12 months:
li.:nnual ·fn.terirnt rate paid on savings and time deposits:
23. General history of operations since 1929:
24 •. Smm:n.ariie interview with officer conta.ctep.: (SGe separate inst1::us,tion~)'
(If·there is n.ot sufficient space on,-this .form to adequately cover any particular point, continue your.remarks on an additional page, i:mm.ediately following and koy t~e_-0o..m~ to this fo-·~..__) · -
Reproduced from the Unclassified / Declassified Holdings of the National Archives·
Reproduced from the Unclassified/ uec1assif1ed Holdings ot the Nat1ona1 Arcmve,;_
Form N.o. 5. Rev. 3..:2..;36
· BAf\J.KS~ l';tt(fs);. COMPANIES And MORTGAGE COMPAniI'.:S. ·
Name of· Ins ti tut ion) LEIOD'lt,: ~¾NSltV ~
· (Address)
Of'ficer Interviewed) (Title)
MORTGAGE ACTIVITY
1. Is the institution lending on re.sidential real estate?
2. Amount airo.ilable for such loans: ~ l(ID,000_· ---
3. Maximum percentage of appraisal loaned: 62·
4. Is the aprraisal cash market or liberal?
5. 1'1fhat are loan periods? --=1,::;.:-... :; .... · ____ Am◊'rtization Plan Monthly __ __..11'.a:_s ... · ___ _
Total other real estate mortga~es held by institution: No. 1~ Amount $204~686
12 •. What amount of the total residential loans made in 1935 repr~sented refi:rra:noing of mortgages formerly held b;y this institution? $ · ·· ~09 _ __,_
RE.AL ESTATE OV:ffiEb
13. Amom:rt Of; resiq.e'fr~ial real estate ovmed:. ,Parcels 4;
Amount of 6ther real estate owned: Parcels '4
1/4:~- Potential.- re,s.idential real estate owned duri!l€ next year: $ 5~ 3 pieees ---------Other ~otential real estate owned during next year:
15,. Residential r€:lal estate sold during; 1955: Parcels % Value $ :t*m 1936: Parceis--,,,1,--.--,Value $~'"'"'.it\""':'.--
. . .
Other 'real 'e,s't'ate '$old dur:f.rtg - · 19,35; Parcels 4. Value $ ,,.ij5·>. 1936: Parcsls-____ Va;tue :$
~~-
lo; Terms of 'sale including down· payment re-quired, amortizatic.n of balc_nco,. interest rate and if' amortization includes aj_loy,anco for taxGs and insurance:
(over)
16 - A
f
Reproduced from the Unclassified / Declassified Holdings of the National Archives
R.eprodi.iced fromthe Unclassified /Uectassrnea c\010\Agsor me l~allUl,1.ctlr,\101,l<>C-~ ,
~-:' ~- -
-';'"~
-
FEDERAL AFFILIATIONS
17. Does the institution have:
a ... Federal Reserve System membership? b.', _F~de-ral noni.e hoan Bank membership? c. Deposit Insurance by FDIC?
~ , ,;: '
~----.-~
18~ Is the institution making 'use of ere di t facilities available thr6ugh Federal affiliations? ..-..-----~=-=··•--~-
19. Extent of' borrowings or· advs::nces:
2Q. Attitude toward Federal program:
GENERAL OPERATIONS
21a Discuss collection methods including percentage of loans, delinquent apd define·· suc:tt delinquency: 1?~1.'•Ji~ ~QlllW.et• -1~ree~e W'h~ ~~_,.; . ~- dafi:ttqu.ent ~e: .30 ~ in in:ter~ ·
22. Growth in deposits during the last 12 months:
. Annual interest rate paid on savings and time doposi ts:
24-o SUill_mn-rize interview with officer cont;_ct~d: (s~e separate instr1t~~tions) a ';:- ',
~ ~, ie, a ~bd_ b~ @~ting ~~t ~mplectel;y; UJ, ~e,11 ~ io-. ~ the rive:- i'~ ~-.,_~ot, !hey ttt'e: f.i~ a~e' 4'1, c real. eetate.~~- .
,, ,. ' ' -
,, - / .
(If there is n,ot sufficient space on this form to adequately cover any particular point~. continue your_remarks on an add~tional ~age, immediatelyi'ollowing and -key the same to this fo-,;_._,_.,} ,., •,
Reproduced from the Unclassified J Declassified Holdings of the National ArchivesReproducecttrom meunc1assmea J, Ut,t_;Jd:,,>JIJ,t:(J nvn,1119" CJLU!t: i'.'latM,1m,01v1rr,~~-
.t:"Prm No.... 6 '.Re_:v •. P~.2•3:B
(Name of J'.nstitutj,.on)
(Of'ficer Inter-viewed)
MORTGAGE AdTIVITY
1., Is the institution lending on :residenthll real estate?
2. Amount available for ~uch loans:
3. Maximum percentage of' appraisal loaned:
4. Is the appraisal cash market or liberal?
5. 1Nhat are loan periods? l - J ~., .Am01Ttization Plan 1fonthly --------Quarterly Semi-annual ~ Annual -------- ------- ~-----
6. Rate (or rates) of interest charged: ----'~· ___ % 7. Are FHA loans being made? 'I~ Ti tlEf I: $ i~-r4l, Title II : $ &,8-0
8. Y\Till the institution lend the maximum 80% of appraised value? ~~ ....----------l ~ Will loans be made for the maximum lotm period of 20 years? ---------
9... ls a cornmt"ssion oharged? · ~ I:e so, who pays it? Give am,ount o-r CO~$$ion and other loan costs to ~rrower:
10~ Resid~n~ial loans made . in 1934: No • , 19:$5; NoQ -,,,• ~
1936: NQ. ~-
O_ther 1'.Lortgage loans made in 1934: No. 1 1935; :ffo •. g
1936: l'Jo0c 0,,
11, Total residential mortg.ages held by insti tuti-on: .-lfo. .Amount $lm~~I -----Tq-tal othe.r re.al estate mortgag_es held by institution:· J:fo. -~ Amount $!~~
,, ' ---12. What amount of the total resid~tial_ lo_a.'Yls made ip 1935 represented
refi:nsJ1cin'g. of' mortgages fonnerly held 'by this institution? $---~--.._.._
REAL ESTATE OWNED
13., l\m.o:unt ·of' residential real e.state oi>med: Parcels,....._"f_· __ Book Value 1~4-S~ffl
.AmoU!lt of, o;th~r .real esi;ate owned':.
l~.-.,: Po.t·ent±a.1 · r~~±dential real estate owned guring next year: $ ,~~ ---------Qtn,er potential r:3al estate, owned during next year:
15.. Res.ide:p.i;ial ~ea.l est8;te, sold duting; 1935: Pan:,els 1936: Par•,2ls
T(;l.l'"l!lS of s9:.le. including ·uown paym~:tit requfred, tli\or-1:i:til.t;i,,a:J -~-f
• .. m -~- ~•- m ~- &1\, ~'.il.t. ~ ~ ~:;;, ~ i,,-;~,s.~~~11 ~~ ~ ~ ~~t~~"~ ~t '~'~u-·f~ . - ' - '. r ~t . ~-~~~Q~~~~l~_~LZ~~~ ..
~-(If· there- is not· suffici-en:t sp2';co on this form to adequately c-over any par-bicular point, continue ;y:ou:r: ,,,ri;,!Ila:r;ics on an a.udj,.tional page:. ~:rmn.~q~a~el.y follovdng and
·ko:y:: tte .~~e t<;> ·this fo·-""1·;}
Reproduced from the Unclassified/ Declassified Holdings of the National Archives·
Reproduced from the Unclassified/ Dec1assmeo M01Qtngsonne.Nauu11a1/"\n.,,,,"""
. fi.o..rm .No.! b ~~~~ Rev. 3-2-36
_, ·· BANKS.,.. %:K(fS,.'.t· COMPANIES And MORTGAGE_, COMPArrr8S.
(Title)
MORTGAGE ACTIVITY
1. Is the institution lending on residential real estate?
2. Amount available for $.uch loans: $ ---5~0,008:------3. Baximum percentage of appraisal loaned: ---$--__.%
4. Is the appraisal cash market or liberal?
5. Vfuat are loan periods? ,l ... "3 ,rs:... lurlortization Plan Monthly_~-----,.-----
6e Rate (or rates) of interest charged: % -------' 7. Are FHA loans. being made?_...,y.,.,~.,.,s,-.·-Ti tle I: $ _____ Ti tleII i $_-,1;,4...,:@'...,;J.-.OO...,, __
8. Will the institution lend
Will loans be made for the
9., Is a oormn.ission charged? Give a:m,ount·of' coIQiflission
10. Resid~nt,ial loans made in
Other mortgage loans made
the maximu.111 80% of appraised value?
maximum loan
a If so, arid other loan
1934: No. 1935: No. I.936: NQc .•
in 1934: No. 19-35: -•1fo~ 1936: No,.
period of
who pays costs to
j'
20 years?
it? lSorrower:
A.'TI.OT"l"C
AT'lou.nt Am.curt.
4.-~'IDO in ~eesa Yu
11, Total residential mortgages held by insti tution:-.-No"-:2 .Amount t l2t$Q
Total other real estate mortgages held by institution: No. _______ .Arnount $---&-
12 •. Vfuat amount of the total residential loans made in 1935 represented refinai:tciri;,,· o.f mort.a-a.o-es formerly•·· he'ld.·b-"" this institution?.~--
io O O J ----~ne:
REAL ESTATE Of'JNEI)'
kmoun·{ :~f' reside:ritial -real 'estaf;~ .. Oil-J1l'ed! Parcels _ _,4,_.· __ Book Value (~~
Amount of ·other re·al. estate ovmed: .P-arcels _ _.,.,0,_: __ Book Value $~_ ..... 0 ......
lL1.,.__ Potential .. r.e3,idential real estate owned d.urin.g next year: ~\----------'-t r nGJiG
15,. R,esideri:f?ial real estate sold during 1935: 1936;
<> w __ .._~-..:1;;:;'--~--
16_._'~ Terms'. ·o:E7 :sa'.l\i·•·1nc-luding down payment' re'q_u:tre-.::1.'.: 3:;~,a.c-1i.:..,.,t,i:n:-,, r,f '.Js._l.,·.x1~0_~ inter1:,st rai;e and if' amortization includes allow~·,nc,~ £,,:- ·::e.x-:.s :l..Y,J insurn.nco-:
ltents ,fell. to, ~$ (t}f 1~ 'but ~- Dff l.OOf er slig"nU-y abQ'lr-e 19:z,..,
Bella:a~_ F,.,, 11;. L ~ ~ ~eve pu.sli;e a~U:ti.~e, and relietffl dthdra-wal.¢,..
(ir''-f~here is not sufficient space on· this form to adequately eover any particular :Point, continue your r~miir'!ts on a.n· a:d'd:±tiona1 page-:, immodiat-el-y :follo--.V-ing and
. key the srun.e to this . fo>¼ • .). y ,., .
I i
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced fr~m the Unplassme91 uecIass111ea Holdings ot tne Nanona1 N1,111v=
___ .i: ui-.\1-l 1~0.i 5 Rev. 3--2-~G-
; BANKS,. ~T$,J.J, COMPANIES And MORTGAGE COMPA1,d~S.
(Officer Inter-viewe~)
MORTGAGE ACTIVITY
1~ Is the institution lending on .residential real estate?
2. Amount available for l;)uch loans:
3. l'.-iaximmn. percentage of appraisal loaned:
4. Is the.appraisal cash market or liberal?
5. What are loan periods? 1,-) ~ Amo·rtization Plan Monthly --------Quarterly Semi-annual te-JJ Annual
6. Rate (or rates) of interest charged:
7~ Are FHA loans being made7 ~ Title I: $ ~~ TitleII! $
8. Will the institution lend the maximum 80% of appraised value?
Will loans be made for the maximum loan period of 20 years?
9 .. Is a commission charged? If so, who pays it? Give amount of commission and other loan costs to 1$'0 :r'rmaie r:
10. Reside:q.tial loans made in Amount$ /',--
A.111-0urt+. q?
J.rr.c u:-: t ~
Other mortgage- loans made in 1934: No._~8~''- Ar,,_o-.. EYc
11, Total residential mortgages held by institution:---No, ___ Ji..:moun.:t $ ~-~
Total other real estate m.ortg;ages held by institution: }\Jo* Amount $ ---12~ What amount of the total residential loans made in 1935 represented
ref:tnancing of' mortgage.s · formerly held. by this in,sti:tutionT $ --------REAL ES TATE 0-VfNED
l3o .Amouni, of __residential real estate ovmed: Parcels_~4~' -~Book Value $ ~""~
limount. of. other real· estate oym_ed: ::' _ . ?a.reels fl Book Value $ O---~-- ----14~ Potential +$$:i-,dentfal real estate 011trned during next year: $ ~ ----='--~----
Ot~er potential real estate owned durin~ next year:
15,. Residenti1:d real estate sold during 1935: Par0els O Vs.lue i 1938: Tlflr•,21n~ ___ JL__=v&_lue $------
21., Discuss collection methods including p.er,eentage of loans delinquent and def·irie · su<;b\'delinquenc-y:c ... ~-~llri~~ent.
22.. G:r.mrth in deposits during the last 12 months:
lu.mtial in~erest rat~-paid on savings and time dQpof;>its:
23~ General ~isto.ry @f operations since 1929:
24,. Summtu-±z.e interview with officer -contacted: (See s·eparate instructions)
(1r<t . .h.;;,re is n.et sufficient spac-o on· this ;fonn to $..dequatcly ci-Qver any particular point,, co-ntinue your remarks on an additional page 3 i:m.mediate-ly ·:1:ollowing and -key t.,i,,,,e some to thi"s · fo;trtr:;)'. :"-<
Reproduced from the Unclassified I Declassified Holdings of the National Archives·
Reproduced from the Unclassliled ·' uec1assmea MOIOmgs OT me, NaUU/lcfr "''"""Yvv_
.:.fi:or:m N~ 5 Reil. 3-2-36
··· BANKS,.. $.tU$,.'.l;;i>.COMPANIES And MORTGAGE COl,ffANI:SS.
(Officer Interviewe-d)
MOittAGE ACTIVITY
i •
(Title)
1, Is the institution lending on residential real estate?
2. .Amount e:vailable for s.uch loans:
3. Maximum percentage o:f' appraisal loaned:
4. Is the appraisal cash market or liberal?
. 5. lNhat are loan periods? 1 pia:r:. .Amortization Plan Monthly ---------Quarterly ________ Semi.-annual ___ y~e~s'-"---Annual _____ _
6. Rate (or rates) of interest charged:
7. Are FHA loans being made? Yea
8. Will the institution lend
Will loans be made for the
9. Is a coJ.llillission char~ed? G-i-ve amount of co:n;un.ission
11, Total residential mortgages held by insti tu:tio:n: .-Jfo~_~ount $ 42J)DCi
Total other rea~ estate mortgages held by institution: No. ___ .Amou11t $~ne
12.. l;'\lhat amount of' the total residential loans made in 1935 re-presented. ref:i..nancing of mortgages: formerly. held by this institution?--~--- · ~.
RE.AL ESTATE OWNED
13. Amount- of residential real estate mrme-d: Parcels ___ · 6=. __ Book Value $·
Amount of Other real estate 0111med: .Parcels ___ O=:· __ Book Value $ ____ 0
lil;•· Po:tentiil:.re.sidential real estate owned during next year: $· _____ ..,n.,,a-il...,e;.._. __ _
Other potential real estate owned during; next year: 6 'iP __ ~_ .... ll,l,.,.·'"' ... n,.e,..._ ____
1.5,. RGsident.ia1 real estate sold during 1935: Parrels ----1936: :Pur-,s:'113'
1935~ ' 1936:
J.\'.L, Terms: o.f s'a:la it.icludink down payment r:e.qui'.r'e,:1: a;-:;O!'.'~ 1.:3.)t;ic'!\ ,,i' 081'·.J'.lM,,_ inter-est rate and if amortization includes allovrc,r~6~; f,,::- ·'.-e.x;;,s u.r,J in,c;uranco:
(over)
20 - .A
"t
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproclucecffrcim the Liriclassified / Decl.ass11led HoldlFlQS 01 me N31IOnahA[GiJ!)/t,O
FEDERAL AFFILIATIONS
17,,. Does the institution have-:--
a. b. c.
.Feder.al. Res~rve System membership? Federal Rome Loan Bank membership? Deposit Insurance by FDIC?
Is the 'institu,;;ion makiri.g use- of· ere di t' facilities available _thrOugh Federal af.filiations?
19. Extent o'f borrowings- or advances:
20 ._ Attitude toward Federal program:.
G:E1'.1ERAL OPERATIONS
21$ Discuss collection methods including percentage of loans delinquent and de:fine such ,idelinquency:'
(If.there is not sufficient spaco on tl;lis form to adequately CGver any p6-rticular _ point, eontinue YOT!r remarks on .an- adci·ition-aJ_ page:, immediately f"o11owing and -k(}y the snme to -this -fo';t;rita,) . :r .
--·~s. ... -f.!i
Reproduced from the Unclassified I Declassified Holdings of the National ArchivesReproduced frol)l me uncIassmeo I Ue<:.,1a;;;~me,u. rn;1U\H\j~ Ul me: 1,a.nwa, n>v,,,,-
Fonn No. 4 Rev. 5--8-36
BUILD,ING &: LOANS, HO:MESTEAD ASSOQ'IATIONS and ... ,POOPERATIYE BA!'\iKS
(Officer Interviewed) (Title)
MORTGAGE ACTIVITY
1. Is the institution lending on real estate?
2. Ratio of loan to appraisal: ------~:'iG=-. _______ %
3. Is the appraisal cash market or liberal?
4. 'What rate (or rates) of interest is charged?
5. 'What is the loan period ( or periods)? ~ --~
6. Is a commission charged? .___.__ ___ If so, who pays it? Give amount of commission, if any, and other loan costs to borrower:
9. Ir so, to what extent in dollar.volume? Will the ,institutions make F:ffA. Title II loans up to
the maxim.um. 80% of appraised value?
Will loans be made for the maximum 20-year term?
Total residential loans made: In 1934, No. 1935, No. 1936~_ No.
---- .Amount Amount
--- .Amount
11. What ronount of the total residential loans made in 193-5 represented refinana;_ng of mortgages formerly held by this institution? · *-~~-·=···-,..._ ___ _
12~ .Amount of money available for mortgage lending: & 'lf'___,2.._!f'-ll·#'"""@,.,.<·-.,·· ___ _
13. Does the institution make direct reduction loans? Describe any other loan plans:
RE.AL ESTATE OWNED
14. - Residential. real estate owned: Noo of Parcols,. 1: .. Book Value $21., Other real estate nwned: No. of P4,rce1s · Book Value $ t -----
15. Estimated, additional. residential real estate to .be .ac.quired 2: $ 1~,IJ!Jt in 1935, --~ ...... '------
Estimated additional other real estate to,be acquired in 1936; $ ~ -=="'-----
16. Residential real estate sales: 19351 No. of Parcels~--- Value.$ ~Q, 1936, No.-- or Pare.els Value $ ~&M
Other real estate sales: 1935, No. of Parcels 1936, No. of Parcels
---~ Value $ ;r~ --·-- Value $_ iff®ft
17. G~ve down payment and terms required on owned real estate sold; interest rate ;:.;. / .. on unpaid balance; does payment ·required include amortization of taxes and
insurance?
" (Over) 21- A
Reproduced from the Unclassified I Declassified Holdings of the National Archives·
(If thcr? is not sufficient spuco on this form to adequutoly cover any particular point, ;q.ontinue your .romark:;,. on .D.c"J. addi tioual page~. immediately. fol1ovtin.g and key tla? same t'o' this f'orm~)
Reproduced from the Unclassified I Declassified Holdings of the National Archives·
..;,_ BANKS,. );x(O'~ COMPANIES And i~ORTGAGE· COIVIP.&1113S. -
(Title)
~ORTGAGE ACTIVITY ..
le•·- Is the institution lending on residential real estate?
2 • .Amount available. for $Uch loans:
3. Uaxirnum percentage of appraisal loaned:
4. Is the app~aisal cash market or liberal?
5 •. 11\lhat ar13 loan periods? l ~ .Amortization Plan Monthly -------Quarterly ________ Semi-annual ___ y~-~m~~,,__.Annual _____ _
% 6. Rate (or rates) of interest charged: -------7. Are FHA loans being.made?-----Title I: $ ________ TitleII: $_..,.,_,.,,__ __ _
8. Will the institution lend the maximum 80% of appraised value? --------Yvil~ loans be made for the maximum loan period of 20 years? ________ _
9. Is a commission oharged? If so, who pays it? Give amount of commission and other loan costs to ~orrm_l\Te~--
10. Residential l_eanz made in 1934: No., ·~ 1935: No.-.. -----
1936: No. ---------Other mortgage loa..~s made in 1934~ No~
19-35: .No.---
1936: No,, ------11, Total residential mortgages he'.Ld by institution: .-lfo~_~..rn.ount $ ~~flt'l)
Total other real estate mortgages held by institution: No.~ .An10unt. $~Qt'¾)
12.- 1'.Jhat a:mcount of the total residential loans made in 1935 represented r·efinancing of' mortgages formerly held by this tnsti:j:;ution? $ ---------
BEliL ESTATE OWNED.
13. 11:mount of residential real estate ovmed: P2.rcels __ -~iiEp---.,.. __ Book Value t~ 0 ~
Amount ot other real estate ovmed: .Parcels - @ '1 Book Value 'il'.16,,..t't,OO
1.4..... Pote:nti.al re.sidential real estate owned during next year: ~~--""S'-"~"'.$-i;;OO«;,;;.· _____ ___
Other potential real estate owned during next year: JI w ___ O--__,_.....,.---
15. R~s:i,dentil;).l real estate sold during 1935: Parrels Vslue ~ _ . 1936: <P8.r•:;els _____ _:Je.lue $~
Other real :estate sold during
16~ · Terms-~of' sale· inoludin§ .. down pa;yment-.requ:irecl: a:·,or-Li:z.:d:,icYJ ,,i' ::ia1,,:n~0r interest rate and i:f amortization includes o.llovrir:c-c Li:- -'.·e.xc:,s u.r.-cl in.surn.nco:
(over)
22 -· 1~
Reproduced from the Unclassified I Declassified Holdings of the National Archives
Reproduced from the Unclassified/ Dec1assmea HOIOlngs onne l~al10I li:!1 f\l vUI_VC~
FEDERAL.AFFILIATIONS
17. Does the institution have:
a. Federal. Reserve System membership? b. Federal Home Loan Bank membership? c. Deposit Insurance by FDIC? ----.-Ytii ___ -
lS. 1s -the :,institution making usei of credit facilities avai_lable through Federal affiliations?
19. 'Extsnt of bdirrowirigs or 'advances:
GENER!-tL OPERATIONS
wt-_ -
2le _ Discuss collection methods including percentage of loa~s delinquent and deftne -sucli>delinque:ncy: · e~~ ~~~~ct. ~th ~~;,;,- w d:~it!J,ttim:t in _yap-~i;..
, . ~. , r
22. -Growth in deposits during the last 12 months:
-}innual_-interest rate paid--on savings and time- depol?1. ts.:
(If there is not sufficient space on this form to ~dequatcly 6-over ~ny particular point, continue your remarks on an additfo:Ral page, immo-diatoly fol1ovrl::ng and ,key the same to this fo--~ .. } ,,
Reprodu~ed from the Unclassified/ Declassified Holdings of the National Archives· ReprOd.uce<l ~~o~n me u:ncrassmea. J ut1...,1~~111~0. r.i~:.1-1u1rrH::> vi a 1,:;: 1"'0.~1u.1,11;;~·· .,_,.,_,.,, ... ~ __
_ _lorm No~~ b _/-~..::-:- ··Rev,. 3- 2- 36
~°"--e>~-
. •.
~~ ~~ &, ~-~~ ~ · (1fame · of: · Ins ti t~~ion) .· ·
(Officer Inteni.ewe-d)
MORTGAGE ACTIVITY
. . $"il':!f~,i, pgi;fflN-J;l'.(j
· (Address)
(Title)
1, Is the institution lending on residential real estate?
2 • .Amount available for such loans:
3. 11a:ximum percentage of appraisal loaned: % --,--•-------4. Is the appraisal cash market or liberal?
5 ~ What are loan periods? 1 ~ .Amortization Plan Monthly --------Quarterly Semi-annual ~ .Annual -------- ------- ------
6~ Rate (or ra\es) of interest charged: % -------' 7 ~ Are FRA loans being made? ~ Title I: $ ".;lit~ Ti tleII: $ ~
8. Y\fill the institution lend the maximum 80% of appraised value? ~-
Will loans be made for the maximum loan period of 20 years? ---------9. Is a commission charged? - If so, who pays it?
Give amount o:f con;rrnission and other loan costs to ~orrowe~--
10. Residen,,tial loans made in 1934: No .. 1935: Noo ___ ;t=:--1936: Noe -~
Other'm.ortgage loans made in 1934: No. ---1935: No~ 193B: No& _____ _
.A.mo-:J 'l t
.Arl.ou:,t
.fuii:c,mi:;
11 9 Total residential mo_ rtgages held by institution: .-lfou ~ .f\.JD.QlJ_rit $ -,----- . ...___
.. ~· ·~ ... -.--12,; li'Uhat amount of the total residential loans made in 1935 represented
refinancing of mortgages fonnerly held by this institution? $. ~ ~-~~----REAL ESTATE 0\!'.171BD
13~ Am.aunt of residential real estate owned.: Parcels Book Value $ ~tw:)
"l< <!, 2'.l{>~ .Amount of other real estate 011med: Parcels • Book Value 'ii'
14,:. Potential residential real es·tate ovmed q.uring next yf3ar: $ --~ - ' ··- ~.·'
Other pot.ential real estate 01/\'1'.led during next year:
• ' • • . . - il "ii.&_.' .l'l_i"(\1-~ · 1-5.. Resfdent:t'af ~a:r'~state soTd during 1935: Parre1s ii, Vs.lue ~ -~"'~'(i;
Other real estate sold during
1936: :i:J2.r•sels,---·-,v2.lue $
(Over)
2.3 - A
~-----
I
Reproduced from the Unclassified/ Declassified Holdings of the National Archives· R~produced: rrqm IDE\ lJ□ Cli:.J.SSITl.80,,J Uei..;tcts;:,nft:m: r:1u10n.1y~ UL U 1e l\fcHfUJ IOI r.\.l.VI n,v.:..,..,,
lmnual interest rate paid on savings and time depo~its: »~·:.)_.~} .i.:F.ff __ :";:.;.::: .. ,: ~ ~ .'s ::i. .~i.:~.-·;__ ':""'_,,.;,:': ~~',(, ;~ ~-{-~ :..- ,_·· •. i,.
23. : Ge:iaeral,shistory: of ope'fatiol'ls since 18~l:l!· '.'. __
n· <,i>
-~"""~;l!,,($Jll--,,,.·a""'~"""' ..-, ----
-~--~ •. --,-· -... ~-.:,--_.,........,.-. ~%
240 Sumnw.rize interview with office~,contatceff: (Sec separate inst!'UctionsJ~~-~'
,.,:•·:·...,·:· .• ~· ·..:•!:: .... ~
~·,. . .. _-:;.~ ·"'
;
,~ .. ~~ -- •,•-t<~•,Y,,~-·~-
(If yhere is_ n.ot sufficient space on this form to adequately ex>ver any particular poiiit, continue your remarks on an additional page, immediately ·£'ollo-wing; and
-key the s.am.e to this f'o:rm..). . , .. --~ •-r·
···----~ ... , ,_ - ... .! --•.•
Reproduced from the Unclassified I Declassified Holdings of the National Archives
llv Total residential mortgages held by institution:---No-. '89' Amount $l;c:J4.$~2j
Total other ·real cesi3ate ':rr\:ortgages held by 'insti tutiori~ -No~~ Amount $62'2,5$S' •.
12. l}fuat- amount of the tota;J. reside;rrt:i,al loans made in 1935 represented refinancin:g: q.f mortgages formerly held by this ins,titut.ion't' ·. ~ ;J:WllE!>
RE.AL ESTATE OYTNE:P
13? · Amount· of resident;Lal r~al. estate ovmed:. Paro-els _ _...Q:..,·,.,-... , ____ Book Value $~
Amount of otheT rea:l e,state owned:
llf,. Potential residential real estate ow.ned during next year: ~- •·•~~
15,.
16.
0th.er potential real estata. owned during next year:
Residential -real estate sold during 1935: Parcels.-:--·-=,.,.,· ___,,,Value $ µ~. 1936 ~ Parcels,' .l 'Value $ ~:,~
Other re.al ~s:tate sold -during
Terms-:of: ~al:e includin~ ,do-w:n paymen4 r:equ~r~c(, a,Jllorti2;atjon o-f balance, interes{;: rate and if amortiz;ation includeo allowance for taxys-and insurance:
(Over)
24- A
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
Repi:oducedfrom:the Unclassified/Deq1assIT1!:iO HOl□ings OT me l~allQI ICll.r,(1\,,.,,,.c,~_
FEDERAL AFFILIATIONS
17 ... Does the institution ha-ve:
~. Ped-eral Reserve System.membership? b-. -Federal Rome Lo,un Bank membership? c.. Deposit Insurance by FD1G?
(Ii'/there is n.ot su££icient spsco on· this _form. to adequo.t-oly oo-ver any particular p~·-:Git"" continue your remarks on an additional :gage, im.modiately follmNing und ko.y the srun.e to thiEI-' ,f'ol'P,1-~-) .-
- ·.:~,~·~"~ -~··:-.,...,.~.-- ... -~
Reproduced from the Unclassified/ Declassified Holdings of the National ArchivesReprciduced from the .Unc:lassme□•l uec,assmea i'ICJ10tngs. u, ,ue, ,:-,cruu, '"' ,vv, ",,, __
(1::rame of Ins ti tut ion) ~~G,1 P'ffilSlL'f'BIA
- · '(Address)
(Officer Intemewet;!_)
MORTGAGE ACTIVITY
(Title)
1 11 Is the insti tutio:n lending on residential real estate?
2. .Amount available for such loans:
3. lfaximum percentage of appraisal loaned;
4. Is the appraisal cash market or liberal?
5. V{ha.t are loan periods? 1 - j ~ Am<Yrtization Plan Monthly ~~,$ -------------'--Quarterly Semi-annual Yes, P...nnual ----'---,,--~- ------- ----,----
6. Rate (or rates) of interest charged:
7. Are FHA loans being made? Yes Title I: $5$916
8. Will the institution lend the maximum 80% of appraised valu.e? -~ .,,----""----Will loans be made- for the maximum loan period of 20 ·years? _:I~~ ---------
9. Is a oommiss.ion charged? ~- If so, who pa:y-s it? Give liinptt:r:Lt of- conµni's-s·ion -and other loan costs to ~orrower:. ~~
12. 1,~a:t a:m;un~ of the total· reiidenttal loan~ made in 19~5 :te'.'pres~hted ref'in.ar;tcing of mortgages for_µierly held by this in_stitutiop-7 ·t /:~·\~-.
{'1;f,,:'there is not sufficient spaco on this f'orm to ti.d0quatoly .cover any particular point,. continue your remarks on an additional page, immediately following and key the same to :t~~s }'o:rni •. \
Reproduced from the Unclassified/ Declassified Holdings of the National Archives·
Reproduced· fr0mthe Un.ct9ss1f1ea I uec1assmea tt01□ 1ngs-01 me 1~at1ona1.KrG111v.c~ ___ form .i:Iq,, iD
1. Is the institution leriding on residential real estate?
2. .Amount available for such loans:
3. 1faximUlll percentage oi' appraisal loaned:
4. Is the -appraisal cash market or liberal?
5. ·what are loan periods? 3 jl'~ Amortization Plan Monthly_~------
Quarterly Semi-annual Yes Annual ------~- ----""---- --------6.. Rate ( or rates) of interest charged:
1. Are FHA loans being made? Yes Title I· $ 30,.QOQ TitleII: $ -------8. Will the institution lend the maximum 80% of appraised value? ,,.,.__._........,__..i.:.._
Will loans oe made for the maximum lo~ period of 20 years? -----------9. ls a c6mmiss.tcfn/~ha.:r:fe:d?. . If so, who pays i.t?
Give am.~-1/·'.6£:, co:nµnis.si~fr aild ·o-ther loan ctTS•t:s to •~ocr,,-'f'ovre:::'i.:, --
12~ vTh~t\3,;ount o±" the" t~'t~I ;~~ident:t~l 1oans 0·rn'.t¾de-,·irr lSJ'35~·rE>pr9senie'tt -· ref:inanoi_ng_12.f mori:;ga;~. :formerly held by tJ:ii s ins ti tution'L,-~~;~
~ . ·"";.-,· ', "', .. . .. , __ . '
P.EAL ESTATE.);>lJThTED. •·· a~ :i'.'1l"ils:tee.
.Amount of: residential real e.s.tat@ ovmed/ Parceis __ .'2.·_, __ Book value $311'~
Reproduced from the Unclassified/ Declassified Holdings of the National Archives· Reproducedtromme uncIassmea.1 ueqass1ne-□ noremgs,oT me.1~aurn,1a1.Pd,vu1.v=
FEDERAL AFFILIATIONS
17. Does the institution have:
a .... Fede·ral "b. Federal
Df.,posi<t
Reserve System membership't Home Loan Bank :membewshipt Irisu.rance by FDIC?.
lie
Is the· institution making use of credit facilities availaole through Federal affiliations?
19·. Extent o.f bo,rrowing.s or advances:
20. Attitude: toward Federal program!
GENERAL . OPERATIONS
21. .. :Discriss 'c~llection methods including percentage of loans d,{lJ .. ii~~ent 114,d define such d~linquencyt ~es-~es ·~'?d p~~ rot1~:t-;;; ~- d'li~1it~ll~ ·
22_, . Grcrwth in deposits during the last 12 months:
.Annual intEirest rate paid on savings and timG doposi ts~
23. Generai history of operations sinco 1929:
24. Summarize interview with officer contact;d.: \Seo sepIT:trrte .. i:q;~,¾~~ctions}
tif,,there is not sufficien-6 spa.co on this form to adequately cover any particular ]?~int, continue your remarks· on an addi tionB..l page, i.m.mcdiate.ly following and -key the som.e to this form.9)
~ ..
Reproduced from the Unclassified/ Declassified Holdings of the National Archives
-4:- B~KS~ ;J~•l".f.S.t COMPANIES And MORTGAGE COf,i?A~f-3S.
(Name of fnstitution)
~~a.. ~B
-~~~ ~~ 1
(Address)
(Officer Internewed)
MORTGAGE ACTIVITY
lo Is the institution lending on residential real estate?
2 • .Amount available for $uch loans:
3. Maximum percentage of appraisal loaned:
4. Is the appraisal cash market or liberal?
(Title)
1a ---------'
5. lJ'fuat are loan periods? .Amortization Plan lvlonthly ------- ______ ..,...... __ Quarterly Y• Semi-annual Annual -..-------- ------- -----~
6. Rate (or rates) of interest charged:
Are FFiA loans being made? ~ Title I: $$!Ii~ ---- Ti tleII: $ a.,:,» -------8. Will the institution lend the maximum 80% of appraised value? --------
.~
Will loans be made for the maximum loan period of 20 years? ---------9 .. • Is a co:mrr1ission charged? ____ ..,,..._I:f so~ yvho pays it? ----~------
Give amount of coIQIDission and other loan costs to ~orrower:
10. Residential loans made in ,-:,
.. 1•936::r No,~ ____ _
Othe.r mo+tgage loans mad~ in 1934: No. 1
11, Total residential mortgages held by institution: -No"- ·'20 .Am.01;.nt $ 3.t~PJe
Total other real e~:b,a.t..~ n1.ori;_g0~es held by institution: :No,. •· .Amount $ ~.~
12. 1'\/hat amount of the total residential loans made in 1935 re,presented refinancing of mortgages :formerly held by t.his institut:fcm? $_,_._~~·-· _·_. ___ _
P.EAL ESTATE GVvNED
13~ · Amount 0f residential real estate owned: Parcels 5 : Book V9.lue $ :,SQ~ -----Parcels · U Book Value $200ilim -----
14,. Potential ~eside~tial re~l estate owned during next year: $~~
15,.
·. ·-· ,. .. '
0th.er potential real estate owned during next year:
Residential real estate sold during 1935: 1938:
- _,-,,
(over)
. 27- A
~-.~
1
-t"
f' ,
Reproduced from the Unclassified/ Declassified Holdings of the National Archives·
. Reproduced from the Unclassified_f-Dectassme□ HOl□!RgS □T me l~at1orrcu1'\11C1•"-~""-
-~..:.·~
~---~ FEDERAL AFFILIATIONS
17. Does the institution have:
a. t'ederal Reserve System membership? b. Fed.eral Home Loan Bank !!Lembership?.
· .c. De-posit Insurance by FDIC?
18. 1i the.'iis£.f'tu. tiori mald.ng 1~se of ere di t. i'acili ties available through F~derii ~ffilin.tions?
22~ ·· ·Growth-···fn:····cl,E3,'POSi ts during the last 12 months. ~----=----.P,__nnual interE>st rate. paid ori savings aµ.d time deposits: : ~i .· ,· . :. -- ,,; . % ,.,
23.. Gene;al history ~f operations since 1929:
=~~i:::;=:: ~-~ b~~~ii~-- ~,-
\ l
24. Summarize interview with officer contac-ted:: (See separato il;l;.s:tructions)
,.·
(-:ff_,-'f;here is not sufficient opacc on· this form to adequat.oly n-over any particular poin.t,. continue your rcm.arko on. an additional :eage, immediately f'ollovd.ng; and koy the same to this, f~F¥;:-~} ,._{i