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M A FARMER-BANKER M [Newspaper Article] — Banker Farmer — 1 March 1916
M A FARMER-BANKER M I , E IS REALLY A BANKER-FARMER , but . I put it that way so as not to be confused with the T T *** e ° f * ws monthly . ¦ He came from some • place east of the Rockies , looking for an opening to I—I start a bank , and he found what he was looking for in a small town where the plain runs into JL X the foothills , which later climb up to the high mountains . - , Round about the town are orchards ; out towards the plain are dairies and much alfalfa ; in the high hills many cattle range . It is a pleasant country to look on and to live in , but many would have hesitated about the possibilities for a bank . For there was a bank , already a going concern , with ample capital , good directors and a substantial line of deposits . No doubt , it was experience which led the newcomer to scatter his stock subscriptions as widely as possible in the community , his good faith being evidenced by keeping a substantial share . The bank began business in due time and was a succe...
Has the Kansas Farmer All the Productive Credit He Requires ? [Newspaper Article] — Banker Farmer — 1 March 1916
Has the Kansas Farmer All the Productive Credit He Requires ? WE have in the United States a system of independent banks organized under the laws of the different states and the United States . In Kansas we have about 1 , 200 . By far the largest number of stockholders are farmers and I s believe the majority of the directors are farmers . All will agree that the management of these institutions is in touch with the needs nrnrniiiiiitiiiiiiiiiiiiiiiiiiiiiiiiiiJiiiiiiiiiiiiiitiiiiiiiiiiiiiiuiiiinxixiiiiiTiiiiHiiiniiiniiiniitniuniiiiiiiiijiiiiiiiininniixiiiiiTiiiiiiiriuntiiiiiniuiriiip ^ This unusually clear discussion of the credit I needs of the farmer is taken from a pamphlet I published by the Commercial National bank of ] Kansas City , Kansas , which should be addressed 1 for a copy by all interested . luiiiniiuiiiiiiiiiiiiiiiiiiiniiiiiiiiiiiiiiiiH By P . W . Goebel Vice-President American Bankers Association | | | | of the farmer . I know that a great majority of them prefer far...
The Rate Sheet for Credit Means Safe Farming for the South [Newspaper Article] — Banker Farmer — 1 March 1916
The Rate Sheet for Credit Means Safe Farming for the South ALONG the agricultural highway of the South 1 wish I could get a banker to stand at every perilous crossing with a sign Safety first . We also need a few signs of Danger and Go slow . Some people have extended into diversification entirely too rapidly . There has been a lot of poor advice on the subject . Many farmers have lost money through failure to consider the elements that go to make up safe farming . Now , what is safe farming ? Credit should be given to Prof . R . L . Bennett , of Paris , Texas , for coining the phrase which we have adopted to describe an idea which has been in our minds for many years . I had been thinking and speaking about the unsafety of the one-crop system . He came forward with the positive expression of the safety of this other system , the system which we now call safe farming . Safe farming has come to mean to us a very definite thing . It consists of the simple doctrine of the production of...
Financing the Farmers of a Community that is Just Developing [Newspaper Article] — Banker Farmer — 1 March 1916
Financing the Farmers of a Community that is Just Developing EVERY developing community depends largely upon the banker for assistance , whether its industries be farming , stockgrowing , minBankers By D . W . Davis Chairman Committee on Agriculture Idaho Bankers Association ing , or manufacturing . should be as liberal as good business methods will permit , but they cannot do impossible nor unbusinesslike things . Some people may at times think that bankers are tight fisted and lacking in the milk of human kindness when in fact they are only taking reasonable business precautions to conserve their customers deposits . When I look into the past and review some of my experiences with many who were making their first start in life , or establishing themselves in new homes , ! cannot escape the conviction that I must have had a lot of confidence in human nature . The American Falls country , where I have been engaged in banking and farming for the past ten years , was settled mostly by...
Read About the "Canby Idea "—Then Bring it to Your Community [Newspaper Article] — Banker Farmer — 1 March 1916
Read About the Canby Idea —Then Bring it to Your Community W HEN we speak of Canby in these parts of Minnesota we have in mind more than the restricted area that lies within the imaginary line known as the city limits . Canby , politically only , has a population of about 1800 people , but Canby , as conceived here , goes out and takes in every man , woman and child within a radius of fifteen miles . The function of a small country town according to all classicsis to serve as a trade center for farmers , but Canby with its larger horizon has conceived larger ideals of service . True , the mainspring of Canbys activity is in its trade , but grouped , around it there has sprung up the idea that the farmers and the town are interdependent , that they are one in purpose , ideals and ideas , that to make the best program they must pull together . Canby s farmers have combined into ten strong farmers clubs . That is not a strange phenomenon . Farmers elsewhere have done the same thing . W...
UNKNOWN [Newspaper Article] — Banker Farmer — 1 March 1916
B . F . HARRIS , Editor . LOUIS M . TOBIN , Associate Editor . Subscription Price—mPFS CENTS A YEAR - SPECIAL OFFER TO BANKS FOB DISTRIBUTION $ 1 . 25 and $ 2 . 25 per 100—see back page . Address THB 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 March 1916
EANKEPFARMER Rwiewm ^ ificBaiJ ^ rs Activities ^ iralUterAgricultOTe amlRiiral ti ff 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 . THB BANKERFARMER attempts to present monthly concrete happenings and suggestions bearing on the bankers constructive program for a better agriculture and country life .
UNKNOWN [Newspaper Article] — Banker Farmer — 1 March 1916
Agricultural Commission of the American Bankers Association B . J . Cm-tin , President , Citizens Savings Bank , Deoorah , Iowa . Jos . Hirsch , Vlce-Pres ., Corpus Christ ! Natl . Bank , Corpus Christ ! , Tex . William H . High , assistant cashier , Anglo and London-Paris National Bank , San Francisco . 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 ., First National Bank , Champaign , 111 .
UNKNOWN [Newspaper Article] — Banker Farmer — 1 March 1916
Executive Committee of the Permanent Conference of the Committees on -Agricultural and Educational Development of the State Bankers Associations . B . F . Harris , President . ALABAMA—C . K . Thomas , Vice Pres ., Autaugua B . Ss T . Co ., Prattvllle . ARIZONA—N . D . Sanders , Asst . Cash ., Phoenix Savings Bank and Trust Co ., Phoenix . 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 . DELAWARE—John Richardson , Jr ., Pres ., Natl . Bk . of De ! ., Wilmington . FLORIDA—Z . C . Chambllss , Munroe and Chambllss Natl Bank , Ocala . GEORGIA—B . W . Hunt , Vice Pres ., Middle Georgia Bank , Eatonton . IDAHO—D . W . Davis , President , First National Bank , American Falls . ILLINOIS—M . A . Traylor , Pres ., Live Stock Exchange Natl . Bk .. Chicago . INDIANA—W . W . Bonner , Cashier , Third National Bank , Greensburg . IOWA—L . E . Stevens ,...
Agriculture Our Greatest Armament [Newspaper Article] — Banker Farmer — 1 March 1916
Agriculture Our Greatest Armament W HATEVER dangers , local or international , which must be confronted by the United States , this nation will be better prepared to meet them successfully with the assistance of a more productive and profitable agriculture and a stronger country life . This is the thought behind our front-page cartoon in this number . It is well for Uncle Sam to arm himself wisely and well but he must not slight the great armament of agriculture . Franklin K . Lane , secretary of the interior , tells us that war is no longer a set-contest between armed forces but an endurance contest between all the life forces of the contesting parties , their financial strength , their industrial organization and adaptability , their crop yields and their mineral resources . There is no more patriotic service than that which the banker-farmer can render by striving to build up our agriculture and country life . Find Your Inspiration , Too ON another page there is related briefly t...
How to Get a Bound Volume Free I [Newspaper Article] — Banker Farmer — 1 March 1916
How to Get a Bound Volume Free I I How . did your bank help the Farm Woman ? And 1 g why ? Tell the story in not more than 300 words . For I I the best answer to these questions , submitted before I I March IB , we will give as a prize Bound Volume I and I I II of THE BANKER-FABMER , which sells at $ 1 . 75 . I Sit right down and write it .
CITIZENSHIP [Newspaper Article] — Banker Farmer — 1 March 1916
CITIZENSHIP IT is the first plank in the banker-farmer platform—and properly . For we are all good citizens , as the term goes . We pay our bills monthly and we are not arrested for beating our wives . We believe in boosting our community and once in every four years we become acutely concerned over the future of the country at large in case the political party to which we dont belong , should be entrusted with its destinies . We burn with indignation when we read that a representative in Congress from a far-distant borough has endeared himself to his constituents by planting a Federal building as ornate as a Grecian temple and costing $ 100 , 000 in a ten-cent town with only one moving picture theater , but we contrive to regard with complacence the exploit of our own representative when he brings home a piece of bacon sliced off the Congressional porker . Today there is -concededly a strong sentiment for preparedness . There is no country in the world which has been educated so fa...
How a Country Merchant Cooperates with His Farmer Customers [Newspaper Article] — Banker Farmer — 1 March 1916
How a Country Merchant Cooperates with His Farmer Customers ONE morning ten years ago , while waiting for my mail in a little country post office , I chanced to hear one farmer remark to another farmer , I wish someone with a little energy would start a store in this town . This town was Cloud Chief , formerly the county seat of Washita county , His Dairy Herd is an Object Lesson i By H . Gernert By rl . iemert Oklahoma , but at that time it was ten miles from a railroad and consisted of a post office , a blacksmith shop , and a small stock of groceries presided over by an ex-farmer , who was more of a failure here than he had been on his farm which he had traded for this stock of goods . I was out of employment , and the thought came to me , Why not start that store this farmer is wishing for ? The store was started . My capital consisted of a small sum saved from a little adventure just closed , and energy—but mostly energy . I started with a small stock of staple groceries . The ...
Farm Investments that Bring Returns : Silos and Livestock [Newspaper Article] — Banker Farmer — 1 March 1916
Farm Investments that Bring Returns : Silos and Livestock THE- farmers of the state who are really getting the most , both in money and pleasure , out of their farms are the farmers who have made careful investments in : ( 1 ) Just enough land , ( 2 ) Just enough equipment , and ( 3 ) Bred-for-production livestock . Money that is put into land which , for any reason , is not profitably producing crops or that is invested in buildings more than is necessarv for convenience and comfort is dead capital , and brings no returns . Just a little while ago we cooperated with the owners of 80 dairy farms in this state in trying to find the relation of investment to farm profits . Of the 80 farms 36 averaged 136 acres in size and had on the average a total investment of $ 18 , 500 . The average profit on these farms after all farm bills were paid was $ 1 , 261 a year . Forty-four of the farms averaged 204 acres in size and these had an average investment of $ 33 , 200 . The net profit on thes...
Be a Banker-Farmer—These Bankers Point Out the Way [Newspaper Article] — Banker Farmer — 1 March 1916
Be a Banker-Farmer—These Bankers Point Out the Way THE Holston National bank of Knoxville , Tennessee , furnished $ 3000 , with which the University of Tennessee purchased a pure-bred Percheron stallion , two mares and a colt . With these animals , and a mare purchased by the Tennessee Experiment station , a pure-bred Percheron breeding stud was established on the A Kentucky Bank Has Established a Breeding Stud Experiment station farm at Knoxville , known as the Holston National Bank Percheron Stud Foundation . The university has entire charge of the stud , and bears the expense of maintenance ,- except insurance on the animals , which is provided for by a service fee . The title to the animals purchased with the bank fund , and to the male increase , is to be retained by the bank until the amount advanced by it has been refunded , without interest . The female increase is to belong to the university . The fund to repay the amount advanced by the bank is to be provided for by sales ...
Develop Our Greatest Resource—Boys and Girls [Newspaper Article] — Banker Farmer — 1 March 1916
Develop Our Greatest Resource—Boys and Girls 1 TURN now to Young America , our twenty-two million school boys and girls ; for these , after all , are our chief resource and our chief concern . Are we doing all possible to develop this resource ? If there is any one of our institutions in which the American people take undisguised pride and of which they feel justified in boasting , it is the public school system , for this is the greatest of American invATltlOTlR n-nii thA -nnnnt IUUUIMIIIWIII iiiiiuiiuiiiiiiiiiiniiii i iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiuiiiiumiiiaiiiuMiiMMu » inuminniimiiii | The highest sense of nationality comes with a sense of common purpose . In what direction are we consciously going ? What are we determined that this land shall be ? This , I take it , is the accepted test of a real national sense ; and if it is , the obligations we must carry are certainly serious . For the United States is not yet ours in the proudest sense , and can not be until we are doing a...
How a Banker-Farmer Put Sheep on the Farms of All-Wheat Farmers [Newspaper Article] — Banker Farmer — 1 March 1916
How a Banker-Farmer Put Sheep on the Farms of All-Wheat Farmers THE small farmer in the Judith Basin , or anywhere else , who depends on wneat aioneis By A . T . Packard statement raising , going oroKe . xms was made in Lewistown , Montana , the heart of the Judith Basin , when the 1912 crop of Turkey Red was going on the market at from fifty-five to sixty-three cents a bushel . It was made by John D . Waite , the one man in Montana qualified by experience to make it . It was not a random expression of opinion . Mr . Waite has a tidy little tract of 22 , 000 acres , besides so many smaller parcels that he must consult a memorandum to name them . He is president of a bank and for thirty years has been one of the largest wool-growers in Montana and of late years , one of the largest grain-raisers . But not a bushel of that grain is raised primarily for the market except on the hoof . Mr . Waite s grain crop spells beef and mutton and pork in larger quantities than that of any other Mo...
True Public Spirit [Newspaper Article] — Banker Farmer — 1 March 1916
True Public Spirit BANKERS are not all what some people say they are . As a class they compare very favorably with other business men , especially in intelligence , capabilities , application -to business , honesty , sobriety , public-spiritedness , and , in fact , all the qualifications which go to make good and desirable • citizens . Here is one we are sure would qualify as a public benefactor . Last spring he purchased a carload of well-bred ^ ilts of various breeds , shipped them into his town and distributed them to deserving farm boys in the county , with the understanding that the boys were to care for them under the ¦ direction of the county agent and return the sows or purchase them at actual cost in the fall . The plan worked admirably , several of the boys deriving an income of as much as $ 150 from just one sow . A number of them became • owners of the animals loaned by the banker . Those returned will be distributed again this spring to other boys under similar agreemen...
Do We Need Good Roads ? Bankers Say "Yes" to This Question [Newspaper Article] — Banker Farmer — 1 March 1916
Do We Need Good Roads ? Bankers Say Yes to This Question WE hit the bull s eye with the February issue , devoted principally to Good Roads . We believed that every improvement of conditions in agriculture and country life waits on better roads . The bankers of the country demonstrated that they held that belief also . They kept our presses busy turning out extra copies of our little magazine , to be sent all over the United States . Secretary Crampton of the Illinois Bankers association cooperated splendidly by sending a circular letter to Illinois banks calling attention to the number . He furnished a reply post-card which was immediately filled out and returned by upwards of 100 banks . This was a fine instance of the opportunity to assist which is afforded the secretary of a bankers state association . It was noticeable in the responses that many of them came from the smallest villages , showing . that Good Roads is a live subject everywhere . A fine example of cooperation was gi...