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was $218,818,253, in March, 1888. Then there was a decrease of nearly $13,000,000 the Government had $310,772,202 gold in in the net pold, because there were the Treasury, but had issued against it $55,000,000 of gold certificates

issued.. ID $91,953,949 certificates. The largest the last few months the Government has amount of gold certificates in circulation succeeded in keeping most of its gold, by at any time was $163, 178,959, in January, refusing to issue gold certificates. There 1892, which left the Government owner of are now $70,000,000 less certificates outonly $119,574,904 gold, although having standing than in January, 1892, and $24,in its Treasury $282, 753,863 gold gross. 000,000 less than at the beginning of the Between August, 1891, and January, 1892, current year. It will not be surprising in spite of the fact that there was an if Congress takes some step to prevent increase of nearly $42,000,000 in the the draining of gold from the Treasury gross amount of gold in the Treasury, by the employment of gold certificates.

BANKING STATISTICS. Abstract of reports made to the Controller of the Currency, showing the condition of the

National banks in the United States at the close of business on Tuesday, the day of October, 1894.

RESOURCES. Loans and discounts.

$1,991,874,272 90 Overdrafts

15,247,918 40 U. S. bonds to secure circulation.

199,642,500 00 U. S. Bonds to secure U. S. deposits.

15,226,000 00 U. S. bonds on hand.

10,662,200 00 Premiums on U. S. bonds.

14,624,279 03 Stocks, securities, etc..

183,300,072 44 Banking house, furniture and fixtures...

75,183,745 64 Other real estate and mortgages owned..

22, 708,391 20 Due from National banks (not reserve agents)

122, 479,067 98 Due from State banks and bankers..

27,973,911 86 Iue from approved reserve agents.

248,849,607 59 Checks and other cash items.....

15,576,975 25 Exchanges for clearing-house.....

88,524,062 17 Bills of other National banks.

18,580,577 00 Fractional paper currency, nickels and cents.

952,932 95 Lawful money reserve in bank, viz: Gold coin.

.$125,020,290 92 Gold Treasury certificates.

37,810,940 00 Gold clearing-house certificates.

34,096,000 00 Silver dollars.

6,116,354 00 Silver Treasury certificates.

28,784,897 00 Silver fractional coin...

5,422, 172 58 Total specie..

.$237,250,654 50 Legal-tender notes.

120,544,028 00 U. S. certificates of deposit for legal-tender notes.... 45,100,000 00

402,894,682 50 Five per cent redemption fund with Treasurer.

8,723, 223 16 Due from U. S. Treasurer.......

897,645 20 Total

$3,473,922,055 27

LIABILITIES. Capital stock paid in.....

$668,861,847 00 Surplus fund

245,197,517 60 Individed profits, less expenses and taxes paid.

88,923,564 50 National bank notes issued..

*$179,412,965 00 Less amount on hand..

7,080,987 00 Amount outstanding

172,331,978 00 State bank notes outstanding.

66,290 50 Due to other National banks.

343,692,316 63 Due to State banks and bankers.

183,167,779 62 Dividends unpaid

2,576,245 95 Individual deposits

1.728,418,819 12 II. S. deposits..

10,024,903 62 Deposits of U. S. disbursing officers.

3,716,537 SO Notes and bills rediscounted.

11,453,427 95 Bills payable

12,552,277 78 Liabilities other than those above stated.

2,938,543 20 Total ..

$3,473,922,055 27 Number of banks, 3,755.

*The amount of circulation outstanding at the date named, as shown by the books of the Controller's office, was $207,451,691, which amount includes the notes of insolvint banks, of those in voluntary liquidation, and of those which have deposited legalender notes under the acts of June 20, 1874, and July 12, 1882, for the purpose or reiring their circulation.

SAVINGS BANKS' DEPOSITS AND DEPOSITORS, 1892-'94.

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Maine
New-Hampshire
Vermont ..
Massachusetts
Rhode Island.
Connecticut
New-York
New Jersey
Pennsylvania
Delaware
Maryland
District of Columbia.
West Virginia.
North Carolina.
South Carolina.
Georgia ..
Florida
Alabama
Louisiana
Texas
Arkansas
Tennessee
Ohio
Indiana
Illinois
Wisconsin
Iowa
Minnesota
Oregon
Colorado
Utah
Montana
New-Mexico
Washington
California

Total United States...

155,333 $53,397,950 $343.76| 153,922 $53,261,309]$346.03 174,654 74,377,279 425.85 169,510 70,616,944 416.59

89, 115 27,262,930 305.93 92,239 27,966,855 303.20 1,189,936 393,019,862 330.29|1,214,493 399,995,570 329.35

142,492 69,906,993 490.60 130,610 69,053,724 528.70 331,061 130,686,729 394,75 335,879 133,967,220 398.95 1,593,804 629,358,274 394.88|1,585, 155 617,089,449 390.50

140,772 36,488, 246 259.20 137,897 34,266,298 248.49
252,980 66,417,794 262.54 248, 244 66,025,821) 265.97

18,613 3,739,484] 200.90 18,264 3,693,311| 202.22
147,462 44,495,128 301.74 144,218 43,758,875 303.42
1,400
74,729 53.38 1,258

72,667 57.76 *5,149

237,707 46.16 3,522 236,025 67.01 6,112

301,234 49.28 *8,750 416,695 47.62 24,422 5,913, 139 242,12 *23, 246 3,939,976 169.49 *8,494 1,004,765 118.29 *7,196

836, 823 116.29 *1,321 219,448| 166.12 881

175, 115 198.77 1,848 73,032 39.52 $2,590

102,347 39.52 6,507 2,003,854| 307.95 7,786 2,057,845) 264.30 2,583

356,553 138.04 2,450 301,648 123.12 844

123,451 146.27| *14,126 1,778,174 125.88 9,664 1,412,840 146.19 85,614 34,606,213 404.21 77,533 27,403,922 353.45 16,127 4,073,131 252.56| 13,967 3,165, 214 226.62 *84,861 23,498,504 276.901 83,802 22,870,005 272.90 1,164 184,698 158.67 1,219

152,300 124.94 *73,108 26,426,031 361.46 *72,397 26,230,214 362.31 42,212 10,658,564 252.50 38,493 8,954,575 232.63 *2,461

683,620 277.78 *1,732 753,080| 434.80 *11,639 2,217,547) 190.52 22,815 2,935,849 128.68

5,528 963,227 174.24 1,736 423, 248 243.80 1,240

347,476 280.22 885 186,923 211.21 182

37,476) 205.91

*11,595 2,415, 669 208.34 *178,949 138,019,874 771.28 172,225 125,420,765) 728.24 •14,830,599 $1,785, 150,957 $369 55|4,777,687|$1,747,961,280|$365.86

Partially estimated.

INTEROCEANIC CANALS,
NICARAGUA.- The Maritime Canal
Company of Nicaragua, capital $100,000,-

The Nicaragua Canal Construction Com

pany, which had a contract with the 000 (which may be doubled), was incor Maritime Canal Company for construction porated under a charter granted by Con of the canal and had done considerable gress in 1889. It had previously secured work thereunder, suffered under the genfrom the Nicaragua Government the ex eral depressed monetary conditions of clusive right to construct and operate an 1892-3, and was obliged first to limit its interoceanic ship canal. On October 8, expenditures, and finally to suspend all 1889, excavation was begun at San Juan payments. This resulted in the appointdel Norte, or Greytown. The total length ment of a receiver, when measures were of the proposed waterway is 169 2-3 miles, at once taken to reorganize the company of which 26.75 miles represent canal in upon a strong financial basis, providing excavation. The minimum depth is 30 for the liquidation of its debts and the feet. From Greytown to Ochoa there will active prosecution of work, under its conbe 15.25 miles of excavated canal and tract, in the immediate future. These 16.15 miles of free navigation in natural measures are now well under way, with basins, with three locks; from Ochoa, every assurance of a successful issue. 121.10 miles of free navigation in the San A charter for а company with a Juan River and Lake Nicaragua; from capital of $12,000,000 has been granted the lake to Brito, on the Pacific Coast, for the purpose by the State of Ver5.50 miles of free navigation in a natural mont. basin and 11.50 miles of excavated canal, The officers of the Maritime Canal Comwith three locks. The great reservoir of pany are: Hiram Hitchcock, president; Lake Nicaragua furnishes an adequate Charles P. Daly, vice-president; Thomas high-level water supply.

B. Atkins, secretary and treasurer.

QUALIFICATIONS FOR VOTING.

Yes.
Yes.

Yes.

Previous residence

required.
States.
Registration required.

Disqualified from voting.
Coun Pre-
State.

ty. cinct.
Alabama (a)..
1 yr. 13 mos. 1 mo.

Yes.

Idiots, Indians, lunatics, convicted of crime. Arkansas (a) 1 yr. 16 mos. 30 d.

Yes.

Insane, idiots, felons, unpaid poll tax.
California (a, c).

1 yr.
90 d. 30 d.

Yes.

Same as Arkansas; also Chinese. Colorado (b, d) 6 mos. 90 d. 10 d.

Yes.

Persons under guardianship, insane, convicts. Connecticut (a) 1 yr. 16 mos. (6 mos.

No.

Convicted of forgery, bribery, perjury, duelling, fraudulent

bankruptcy, theft or other offence subject to infamous
punishment, unless pardoned by two-thirds of General

Assembly.
Delaware (e).

1 yr.
1 mo. 15 d.

No.

Idiots, insane, paupers, criminals. Florida (b)..... 1 yr. (6 mos.

Idiots, insane, criminals, duellists, bettors on election. Georgia (a) 1 yr. 6 mos. 10 d.

Treason against the State, crimes punishable by imprison

ment, insane, delinquent taxpayers. Idaho (a).. 6 mos. 30 d.

Yes.

Idiots, insane, ex-convicts unless pardoned, bigamists,

Mormons, Chinese, Indians.
Illinois (a)

1 yr.
90 d. 30 d.

Convicts, unless pardoned.
Indiana (b).

6 mos. 60 d. 30 d. Law declared unconstitutional. Convicted of crime.
Iowa (a)
6 mos. 60 d.

Yes.

Idiots, insane, criminals.
Kansas (b).

6 mos.
30 d.
Cities only.

Idiots, insane, rebels, convicts.
Kentucky (a)

1 yr. 6 mos. 60 d. Cities of 5,000 and over. Convicted of treason or felony, or bribery at an election.
Louisiana (b)

1 yr. (6 mos. 30 d. Maine (a).... 3 mos. 13 mos. 13 mos.

Cities only.

Minors, aliens, paupers, persons under guardianship, In

dians not taxed.
Maryland (a)

6 mos.
5 d.

Under 21; convicted of larceny or other infamous crime, Massachusetts (a).. 6 mos. 30 d.

unless pardoned, persons under guardians, lunatics.

Paupers, persons under guardians, non-taxpayers.
Michigan (b)..

3 mos.
10 d.

Indians holding tribal relations; duellists and a bettors.
Minnesota (b, 1).... 4 mos.) 10 d. 10 d.

Convicted of treason or felony (unpardoned), insane, un-
Mississippi (a, e)

2 yrs.
1 yr.

civilized Indians.

Illiterate, idiots, criminals, insane, Indians not taxed.
Missouri (b)...

1 yr.

60 d. 60 d. In cities or counties of 100,000. Inmates of asylums, poorhouses and prisons. Montana (a) 1 yr. 30 d. 30 d.

Yes.

Unpardoned convicts, idiots, insane, aliens not full citizens.
Nebraska (b).

6 mos. 40 d. 10 d. Cities of over 2,500. Lunatics, convicted of treason or felony, unless pardoned;
Nevada (b).
6 mos. 30 d.

U. S. soldiers and sailors.

Idiots, insane, convicts, paupers.
New Hampshire (a). .. 6 mos. 16 mos. 6 mos.

No.

Aliens, paupers, persons excused from tax at own request.
New Jersey (a). ....... 1 yr. 5 mos. 1 d.

Paupers, idiots, insane, unpardoned criminals.
New-York (a)...
1 yr. 4 mos. 30 d.

Yes.

Convicted of infamous crime or felony (unless pardoned),
North Carolina (a).... 1 yr. 90 d.

Yes,

bettors on elections, bribers and bribed at elections.

Convicts.
North Dakota (a, g). 1 yr. 16 mos. 90 d. Fargo and Pembina Cos. only. U. s. soldiers and sailors, insane, persons under guardian-

ship, convicted of treason or felony unless restored to rights.

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Yes.

1 yr.
1 yr.

Yes.
Yes.

Yes. Yes. Yes.

Yes.

Yes.

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Previous residence

required.

Coun. Pre-
State.

ty. cinct.

30 d. 20 d
6 mos. 90 d.

30 d.

6 mos.
2 yrs. (6 mos. 16 mos.
1 yr.

60 d.

1 yr.

Ohio (a)
Oregon (h)
Pennsylvania (a).
Rhode Island (a)
South Carolina (a)..

1 yr.

No.
No.
Yes.
Yes.
Yes.

South Dakota (b)..
Tennessee (a)...
Texas (b).
Vermont (a)
Virginia (a).

6 mos. 16 mos.
1 yr. 16 mos.
1 yr. 16 mos. 6 mos.
1 yr.

3 mos.
1 yr. 3 mos. 30 d.

In some counties.

No.
No.
Yes.
Yes.

Idiots. insane, convicts.
Idiots, insane, convicts.
Nor-taxpayers, political bribers.
Paupers, insane, convicts, idiots.
Insane, inmates of asylums, poorhouses and prisons, duel-

lists, soldiers U. S. Army.
Idiots, convicts, insane.
Non-payers of poll-tax.
Idiots, insane, paupers, felons, soldiers and sailors.
Convicted of felony or bribery.
Government troops not citizens, idiots, convicted of brib-

ery at election, embezzlers of public funds, treason,
felons or petit larceny, duellists and abettors, unless par-

doned by Legislature.
Idiots, insane, convicts.
Paupers, lunatics and persons convicted of treason or fel-

ony, or bribery at elections.
Insane, idiots, convicts, bribers, bettors and Indians not

citizens.
Unable to read Constitution, unless prevented by physical
disability; idiots, insane, persons convicted of infamous

crimes and unpardoned.
Idiots, insane, convicted of infamous crime.
No express exceptions.

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a Citizen. b Citizen, or one who has declared intention; c Or naturalized for 90 days. d Or declared intention 4 months before elec-
tion. e And able to read Constitution. f Civilized Indians of 1 year residence. g Or alien declaring intention not less and not more
than 6 years before election, and civilized Indians who have severed tribal relations. h White citizens, or declared intention. a See
"Woman Suffrage."

THE NATIONAL ENSIGN.
On November 13, 1890, Secretary Tracy issued an order that until July 4, 1891, the union of the National ensign and the union
jack use in the naval service should be composed of five rows of seven stars and one row of eight stars, to provide for the addi.
tion of the five new States of North and South Dakota, Montana, Washington and Idaho. In the arrangement space was left for
the addition of another star to represent Wyoming, which was added on July 4, 1891. June 14, the anniversary of the adoption of
the stars and stripes as the National flag, is now celebrated by the Sons of the American Revolution as Flag Day, by a display
of the flag, and the society invites the people of the whole country to follow its example. The official National ensigns of to-uay
are of five sizes, the following being the dimensions: 36 feet long, 19 feet wide; 27.2 feet long, 14 1-3 feet wide; 23.1 feet long,
12 1-5 feet wide; 16.9 feet long, 8.9 feet wide; 9 3-4 feet long, 5 1-7 feet wide.

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[graphic]

INTEREST LAWS AND GRACE ON SIGHT DRAFTS.

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3 d.

States
Legal Rato

Grace
and
Rate of Allowed by Penalty for Usury.

or Territories. Interest. Contract.

No grace. (Per cent. Per cent. Alabama

8
8 Forfeiture of all interest...

.. Yes. Alaska

None. None.
None.

None.
Arizona

7 (Any rate. Misdemeanor Arkansas

6

10 Forfeiture of principal and int.
California
Any rate. None

No.
Colorado
Any rate. None.

3 d. Connecticut

None.

No. Delaware

Forfeiture of contract.

No.
District of Columbia.

10
Loss of interest .....

Yes.
Florida
10 Forfeiture of interest.

No. Georgia

8 Forfeiture of all interest. 13 d. Idaho

.10

18 Loss of interest by tender.. No. Illinois

7 Forfeiture of all interest... No. Indian Territory

10

15 Not recoverable by law. No. Indiana

6
8 Forfeiture of interest...

3 d. Iowa

8 Forfeiture of interests & costs No statute. Kansas

10 Forfeiture of excess of int.... Yes. Kentucky 6 Action at law.....

No.
Louisiana
8 Forfeiture of interest.

No.
Maine
Any rate. None

3 d. Maryland

Forfeiture of interest.

Yes.
Massachusetts
Any rate. None

Yes.
Michigan

Forfeiture of principal & int.. 3 d.
Minnesota

7
10 Forfeiture of interest..

13 d. Mississippi

6
10 Forfeiture of interest.

Yes.
Missouri

8

Int. goes into School Fund.. 13 d.
Montana
Any rate. No law.

13 d. Nebraska

10

Forfeiture of int., paym't cost No.
Nevada
Any rate. None

No,
New Hampshire

No law. Three times legal int. collec'a 3 d. New Jersey

Forfeiture interest and costs.. Yes. New Mexico

12 Forfeiture twice am't, $100 fine No. New-York.

Misdemeanor; punishable..... No. North Carolina. 8 Loes of interest..

Yes. North Dakota..

12 Loss of interest and law suit

to recover twice amount.... Yes. Ohio 8 Forfeiture of excess.

3 d. Oklahoma 12 Forfeiture of interest.

No. Oregon

10

Forfeiture of principal and int. No.
Pennsylvania

Forfeiture excess of interest.. Yes.
Rhode Island.
Any rate. None .....

Yes.
South Carolina.
8 Forfeiture of interest.

Yes. South Dakota.

12

Forfeiture interest nd prin'i. Yes. Tennessee

6

Forfeiture excess of interest.. No. Texas

10 Forfeiture of interest........ Yes. Utah

Any rate. None Vermont

6

Forfeiture usurious interest... No.
Virginia

6
Forfeiture of excess.

No.
Washington

Any rate. None West Virginia.

6

6

Liable to loss excess charged. No. Wisconsin

6

10
Forfeiture of interest.

No,
Wyoming

12
Any rate. None

13 d.

0000-0000-0000000.

No.

Yes.

*When mentioned in contract. Law in State where contract made.

SILVER CERTIFICATES. Attorney-General Olney on February 20, surrender of such certificates. If they 1894, rendered the following opinion in can be regarded as money at all, it is regard to the legal status of silver certifi only because the United States agrees to cates: "Silver certificates are just what

receive them for customs, taxes and all they purport to be on their face and by

public dues,' and only to that extent and

for those specific purposes. In my opintheir terms-that is, they attest the fact

ion, they are not 'lawful money within that the United States has on deposit so

the meaning of Section 4, of the Act of many silver dollarg which will be paid June 20, 1874, and Section 9, of the Act of to the holder upon the presentation and 1 July 12, 1882."

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