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? $ • •? ? •? ? Legislation Can ' t Make Credit [Newspaper Article] — Banker Farmer — 1 December 1915
? $ • •? ? •? ? Legislation Can t Make Credit OUR farmers ought not to be persuaded that by legislation we can establish credit . They ought not to be taught , either in newspapers or otherwise , that by passing a law and uniting to form credit unions they will have credit for short-time loans where there is no foundation laid in good farming . The farmer in Europe , before he can borrow from these banks , must have the reputation of paying his debts and farming at a profit , and must bring two neighbors who are willing to back him . The man in this country who has that same reputation and can do that same thing can get credit . —Dr . Bradford Knapp , U . S . Department of Agriculture .
? ? ? Interest Rates in Europe [Newspaper Article] — Banker Farmer — 1 December 1915
? ? ? Interest Rates in Europe THE European farmer , patronizing the Credit Foncier of France or the Landschaften or the Raiffeisen does not borrow at 3 per cent , as is often stated in the United States . The Landschaften grants loans but pays in its debenture bonds , not in cash . The farmer must dispose of the bonds himself . Perhaps he secures a bond paying 3 % per cent . He must sell it , perhaps for 85 cents on the dollar , or lower . So his interest rate goes up to 4 % or 5 per cent . Credit Foncier bonds are likewise sold at a discount and many are lottery bonds , with a gambler s chance that the buyer will draw a number which entitles him to a cash prize , or a privilege of selling the bonds back at par . * 3 * ? ? • ? ? ? The Man Who Should be Helped SPEAKING for the great mass of well-to-do American farmers who own their own farms , I do not believe they are suffering from lack of . credit . They can borrow at the banks on as favorable terms as can any other business man ...
How an Arkansas Bank Interested Boys and Girls in Pigs and Poultry [Newspaper Article] — Banker Farmer — 1 December 1915
How an Arkansas Bank Interested Boys and Girls in Pigs and Poultry WE know that the bankerfarmer movement is here to stay , and the sooner both elements recognize this I fact , the clearer our visions will be , and the greater and more lasting the results . The days of 1 slip-shod methods on the farm have gone to stay . They have been superseded by accurate and § profitable methods . The farmer is beginning to employ the same means that the successful business man has been using for j many years . The banker , too , has awakened to the fact that only in his close cooperation with the farmer lies his future well being and success . But if this alone were the cause of the union of efforts between the banker and | | | | | | | | | | | | iiiiiiiiiiiiiiimiiniim ™^ To the banker who is contemplating the taking up of this club work , we say , by all means go into it . And once you are in it stay with it . Be willing to devote time and money to its success , for it will take both . But you w...
Why is the Banker Working for Agriculture ? Read This Page [Newspaper Article] — Banker Farmer — 1 December 1915
Why is the Banker Working for Agriculture ? Read This Page THERE has been a time when the man who had lived most of his life in the city could hardly convince a real farmer that he could be of much service to him . He always got the question , What do you know about farming ? Bankers , however , have always —many of them , been farmers themselves . Right now , 90 per cent of all bankers own farms and 70 per cent of all bankers are farmers . Those thirty ignorant bankers out of every one hundred that are not farmers are not necessarily ignorant about farming . If you were a business man with a thousand bankers for your customers , it would be your effort to know just as much as possible about the banking business , and those bankers would be glad to help you learn . When a banker has a thousand farmers for his customers , isnt he just as eager to understand their business ; just as interested in his thousand customers as if he were a real farmer-banker who comes to work in the bank w...
After the , War?—What ! [Newspaper Article] — Banker Farmer — 1 December 1915
After the , War?—What ! HOW can we prepare against industrial and agricultural invasion ? Men who have worked in trenches for a few cents will eagerly work in factories and on farms for paltry pay , and their products will overwhelm us if we have not prepared against them . War may not come to us , but industrial and agricultural conflict will surely come . We are as unprepared for peace as for war . Industrial depression was settling , down upon us when war came , and unless some of our economic conditions be changed , the end of the war that has put so many of our men at work , may put many of them out when the cheap men of Europe go back to work . The present business activity is in large part built on the unstable basis of war contracts , and business growing out of war . It is estimated that as much as fifty per cent of the large increase in freight traffic and in the iron and steel industries is directly traceable to war order business . The unusually good prices of this year ...
UNKNOWN [Newspaper Article] — Banker Farmer — 1 December 1915
B . P . HARRIS , Editor . LOUIS M , TOBIN , Associate Editor . Subscription Price—PUTS CENTS A YEAR SPECIAL -OFFER TO BANKS FOR DISTRIBUTION ? 1 . 25 and $ 2 , 115 per 100—see back page . Address THE BANKER-FARMER , Champaign , Illinois . Entered as second-class matter , Dec . 1 , 1913 , at the Post Office , Champaign , 111 ., under Act of March 3 , 1879 .
UNKNOWN [Newspaper Article] — Banker Farmer — 1 December 1915
Executive Committee of the Permanent Conference of the Committees on Agricultural and Educational Development of the Bankers State Associations . B . F . Harris , President . ALABAMA—C . B . Thomas , Vice Pres ., Autaugua B . &amp; T . Co ., Prattville . ARKANSAS—J . K . Browning , Cashier , Bank of Piggott , Piggott CALIFORNIA—H . C . Carr , Vice Pres ., First National Bank , Porterville . COLORADO—G . T . Wells , Denver National Bank , Denver . FLORIDA—Z . C . Chambliss , Munroe and Chambliss Nat ! Bank , Ocala , GEORGIA—B . W . Hunt , Vice Pres ., Middle Georgia Bank , Eatonton . IDAHO—D . W . Davis , President , First National Bank , American Falls ILLINOIS—J . M . Crebs , President , First National Bank , Carmi . INDIANA—W . W . Bonner , Cashier , Third National Bank , Greensburgr . IOWA—L . E . Stevens , Pres ,, Century Savings Bank , Des Moines . KANSAS—Charles E . Lobdell , Pres ., First National Bank , Great Bend LOUISIANA—Dr . R , O . Young , Youngsville . MARYLAND...
UNKNOWN [Newspaper Article] — Banker Farmer — 1 December 1915
Agricultural Commission of the American Bankers Association L . P . Behrens , Cashier , First National Bank , Redwood City , Cal . E . J . Curtln , President , Citizens Savings Bank , Decorah , Iowa . Jos . Hirsch , Vice Pres ., Corpus Christi Natl . Bank , Corpus Christi , Tex . R . I . Woodslde , President , Farmers &amp; Merchants Bank , Greenville , S . C . J . R . Wheeler , Cashier , Farmers-Merchants Union Bk ., Columbus , Wis . Geo . T . Wells , Chief Clerk , Denver National Bank , Denver Colo . B . F . Harris , Chairman , Pres ., FlrBt National Bank , Champaign , 111 ,
UNKNOWN [Newspaper Article] — Banker Farmer — 1 December 1915
BANKHPFARMER Bwiewh ^ -tAe Bankrs Activities jor a Better Agriculture and Rnraf life Title Registered in U . S . Patent Office Published by the Agricultural Commission of the American Bankers association , not as a matter of news , but with the single purpose of encouraging , quickening and inspiring to action . THE BANKERFARMER attempts to present monthly concrete happenings and suggestions bearing on the bankers constructive program for a better agriculture and country life .
An Enlightened Fourth Estate [Newspaper Article] — Banker Farmer — 1 December 1915
An Enlightened Fourth Estate FOURTEEN country editors in Illinois have banded together and make this announcement : We announce that each of us is now arranging to devote a page a week to those subjects that can arouse our own group of readers to a general sense of their relationship to each other ; of the importance of making the most of life , and of the advantage of so working as to give each to himself all of the self-help that is needed to make him a success in the world of endeavor . This page will be a page to help our readers help themselves by a clearing house of suggestions , gathered from the world of cooperative effort affecting every phase of rural improvement—credits , cooperation , business features , etc . This page will prove that increased production , well-marketed , is the salvation of the country-side . Why are these editors going to do this ? Let them answer : We have acted as children , as if there were no tomorrow , as if there were no posterity to regard and...
Enter the Empire State [Newspaper Article] — Banker Farmer — 1 December 1915
Enter the Empire State MAKE room for the Empire state ! Old New York has heard the call—and answered . Its bankers association has created a committee on agriculture . Mr James H . Perkins , vice , president of the National City bank of New York , formerly a state president , has taken the chairmanship of the new committee . It is most encouraging when a big city banker of his type realizes the importance of the campaign for a better agriculture and country life and is willing to devote much of his time to organizing the bankers of his state into a banker-farmer army . Not long ago Financial America expressed surprise that New York , with all its superiority in wealth and power , was failing properly to respond to the call for cooperation , especially when the possibilities of the rural sections of the state are so enormous . This reproach cannot be hurled from now on . There are comforting signs that the East , long dormant , is awakening to the fact that it must do something for a...
Education for Country Life Will Mean More Farm Profits [Newspaper Article] — Banker Farmer — 1 December 1915
Education for Country Life Will Mean More Farm Profits THE average yield of wheat in the United States for the past ten years was 14 . 8 bushels per acre , while the yield in Illinois for the same period was 16 bushels per acre . A few years ago the yield of wheat in England and Germany was This meaty article is taken from an address i before the Illinois Bankers association by Prof . I Christie . It s a sign of the times when bankers hear prophets of the new agriculture and edu- B cation such as Christie . I fTTllllllU ; MMLlULHIMMMLlllMUllMMMIIIIIIEIIItlLlIUinilllMIII IIIIIIIIII III IIIIIH 1 tl 11 iltl 11 [ I IIM M L ! III 11 ! III 11 IIILUI 11 LI L ! IIM b ! M LI IIMIIII El IIMII really lower than that found in the United States . Through organization and a better system of agriculture , these countries have been able to gradually increase the average yield of the wheat crop until today we find it ranging about 36 bushels per acre . On the farm at Purdue university , where condit...
Start a "Buy at Home" Movement [Newspaper Article] — Banker Farmer — 1 December 1915
Start a Buy at Home Movement THE drift of the trade of the farmers and rural communities to our great centers through the mail order corporations of this country is becoming more apparent each year , and thought should be given by the bankers in suggesting a cooperative spirit between the merchants of their community and their customers , with a view if possible of keeping the moneys at home where they belong , thereby increasing the business of their own institution and benefiting their particular section . Statistics indicate an enormous growth in the mail order business , and in some states legislation is under consideration with a view if possible of remedying the evil growing out of this . It has been clearly shown that the transactions with these companies are on a cash basis , whereas the local merchants are compelled to carry the book account . Careful discussion of this question might bring out some very interesting information and it behooves us as bankers to conserve the ...
? ? ? . Old New York Falls into Line [Newspaper Article] — Banker Farmer — 1 December 1915
? ? ? . Old New York Falls into Line ANOTHER big bankers state association has taken its place in the banker-farmer movement . This is New York . President John A . Kloepfer has appointed a committee on agriculture consisting of J . H . Perkins , vicepresident of the National City bank of New York ; Robert H . Treman , president of the Tompkins County National bank of Ithaca , and Fred W . Hyde , cashier of the National Chautauqua County bank , Jamestown . Both Mr . Perkins and Mr . Treman are former presidents of the state association and Mr . Hyde was its delegate to the Banker-Farmer Conference . . . . ... • ...
- ? - - ? - V For the Banker-Farmer ' s Library [Newspaper Article] — Banker Farmer — 1 December 1915
- ? - - ? - V For the Banker-Farmer s Library THE banker-farmer , in his campaign for more livestock , often needs reliable information on the right kind of rations . The new edition of Feeds and Feeding , first published in 1898 and used generally as a text-book , will furnish this . Professors Henry and Morrison of the University of Wisconsin have revised this edition which includes much unpublished data furnished by experiment stations . It can be obtained from the Henry-Morrison company , Madison , Wisconsin , for $ 2 . 25 , postpaid . RlHHlllLHILIIIHHUniLlULlL !! I LI LI LUIHUI 1 IL ! 1 L 1 IH 1 IIIIII LI III II 111 LHI 1 I 111 till LI UL 1 II LI LI III [ UII LI LU 11 HH 1 LI LI IIM LILH 1 LI LI LI M 111 U 1 LI LHH 1 IU 1 LI IIIIL LU 1111 UU 1 il LI ( 1 i IL ! 111 !! Illllir . li
? j . . ; . . j . MississiDDi Plans County Committees [Newspaper Article] — Banker Farmer — 1 December 1915
? j . . ; . . j . MississiDDi Plans County Committees 1 HAVE undertaken this year to get an agricultural committee in each county . I am undertaking to get the banks in the different counties to call meetings and have a committee appointed to cooperate with the county agent where they have one , and where there is none , to go about the work of securing one . If we can only impress on our farmers the importance of living at home , or as our county agent puts it , Raise what you eat , or dont eat ! we will have accomplished a great deal towards self supporting farming , and put agriculture on a more profitable basis in this state . — S . J . High , president Mississippi Bankers association . &amp; 4 $ » &lt; £ * Banker-Farmer Exhibit at State Fair ONE of the most popular booths at the big Texas state fair at Dallas was that of the Texas Bankers association . An exhibit of the work of the committee on agriculture included pictures of warehouses erected throughout Texas...
Start a Bank Account , Urges Big Southern Farm Journal [Newspaper Article] — Banker Farmer — 1 December 1915
Start a Bank Account , Urges Big Southern Farm Journal ALONG with its campaign for bigger crops per acre and better selling methods , The Progressive Farmer expects to hammer unceasingly the overwhelming need for saving as weil as making . We believe that every farmer in the South should have a bank account , however small , and there will never be a better time than right now to begin . How will it help you to put your money in the bank ? Here are some of the ways : 1 . A bank is the safest place to keep money , and it is actually dangerous to keep any considerable sum of money about the home . Doing so is simply an invitation to burglars and murderers . Of course it is important that you put your money in a sound bank , manned by officials in whom you have confidence ; but there is now hardly a section of the South without such banks , and 90 per cent of all our banks are far , far safer than the practice of keeping money at home . 2 . It is good business . Farming is a business ;...
Sheltering Farm Machinery Will Help the Farmers Credit [Newspaper Article] — Banker Farmer — 1 December 1915
Sheltering Farm Machinery Will Help the Farmers Credit THE careless farmer is the implement dealer s best friend . He wastes more machinery than he wears out . About a year ago the writer drove through one of the most prosperous districts of Iowa , the fertile stretch along the Missouri river . The pleasing spectacle of the spacious barns , large houses and evident wealth of the people was offset by the sight of loose machinery lying around the farm . Say what you will , one of the most characteristic failings of the American farmer is neglect of machinery In this particular case there was $ 1200 worth of machinery distributed over the barnyard . Near the driveway stood a steam threshing machine only two years old , near it a sevenfoot binder of only one season , farther on , near the granary , stood a gang plow and a walking plow . Along the barn were two double row cultivators , one new and one old . Backed up against the dog house stood the 12-foot drill , a mower and side delive...
What Banks are Doing to Help Agriculture and Country Life [Newspaper Article] — Banker Farmer — 1 December 1915
What Banks are Doing to Help Agriculture and Country Life I RECENTLY visited for the second time , the annual agricultural fair held by B . Dansard and Son s State bank of Monroe , Michigan . Last year , this bank held its fair for the first time and assembled a large exhibit of crops , fruits and vegetables . The prevailing idea of those making entries the first season seemed to be to bring in the largest specimens possible . Thus the potatoes entered were for the most part extremely large and rough and in many cases hollow centered . The corn was too large for the community and frequently immature . In the case of oats and wheat , a number of weedy , dirty , mixed samples were entered . At this years exhibit , I was able to notice the effect of last year s fair on the ideas of the community : the . potatoes were almost without exception selected to suit market demands . Though the year was a very late one for corn , nevertheless the samples brought in were better selected than tho...