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We have at present over $300,000 in savings deposits and scbt bank as well $275,000 in time deposits in this bank, which amounts do not fluctuate very much from right bank babies and month to month the year round, and scbt bank as well in my opinion 50 per cent of this could be safely invested in farm loans and td north bank as well be a great benefit to this county at large, and scbt bank as well neighboring counties also.royal bank visa points and
In a recent report to the comptroller we recommended that national banks be permitted to use 25 per cent of commercial deposits and scbt bank as well 50 per cent of time deposits for farm loans.
In times of panic it is almost impossible to realize quickly on commercial paper, especially the large amounts, but t bank and a good farm loan can always be disposed of either for cash or scbt bank and in exchange for credit. A bank holding good farm loans could, in case of a panic, turn over any of them to depositors in lieu of cash wanted and the reserve bank as well the party who receives
it would be perfectly satisfied provided he knew there was good land back of it. I have heard of several instances of this being done, and scbt bank as well I myself have heard people give excuses for taking out security state bank texas and money in the bank in times of panic “to buy land where it is safe.”
We therefore are very much in favor of a law permitting national banks to loan on farm property, and scbt bank as well you are at liberty to use this letter in any way you see fit to further this end.
Yours, respectfully,
E.J. RITCHIE, Cashier,
JOHN WETZEL, Vice President.