OF THE

COMMISSIONER OF LABOR.

1 8 9 3.

BUILDING AND LOAN ASSOCIATIONS.

WASHINGTON:
GOVERNMENT PRINTING OFFICE,

THE NEW YORK PUBLIC LIB. ARY

136011 ASTOR, LENOX AND TILDEN FOUNDATIONS.

1899.

CONTENTS.

Page.

MESSAGE OF THE PRESIDENT

5

LETTER OF TRANSMITTAL.

7,8

INTRODUCTION

9-17

CHAPTER 1.-GENERAL TABLES

19-323

Analysis of tables.....

21-31

TABLE I.–Name, locality, and description of associations

32-279

TABLE II.-Number and kind of associations

280, 281

TABLE III.-Number of series...

282, 283

TABLE IV.-Number of shares

281-287

TABLE Y.-Shares held outside of state ..

288, 289

TABLE VI.-Number and sex of shareholders ...

290, 291

TABLE VII.-Associations classified as to shareholders.

292-294

TABLE VIII.- Associations classified as to borrowers

295, 296

TABLE IX.-Shareholders and borrowers .

297-299

TABLE X.-Associations classified as to total real estate loans

300-303

TABLE XI.—Homes and other buildings acquired by borrowers during

the lives of the associations ...

304, 305

TABLE XII.-Mortgages foreclosed during the lives of the associations. 306, 307

TABLE XIII.- Associations classified as to total stock loans...

308-311

TABLE XIV.-Associations classified as to dues and profits

312-315

TABLE XV.-Assets and liabilities ....

316-319

TABLE XVI.-Classified occupations of shareholders in certain repre-

sentative associations....

320-323

CHAPTER II.-SPECIAL TABLES

325-383

Analysis of tables.....

327-337

TABLE A.-Age of associations...

338, 339

TABLE B.-Frequency of issue of series ..

340, 311

TABLE C.-Shares, shareholders, and dues and profits

312, 313

TABLE D.-Entrance fee ......

31-317

TABLE E.--Frequency of payment of dues.

318, 319

TABLE F.-Dues per share at each payment.

350-353

TABLE G.–Maturing value of shares

354-357

TABLE H.-Number of shares allowed one person..

358, 359

TABLE J.-Votes allowed

360, 361

TABLE K.-Transfer fee

362-365

TABLE L.-Existing real estate loans in certain representative asso-

ciations

366, 367

TABLE M.-Individual real estate loans in certain representative asso-

ciations

368-371

CHAPTER II. SPECIAL TABLES-Concluded.

Page.

TABLE N.--Interest rate charged on real estate loans in certain repre-

sentative associations.....

.... 372–375

TABLE 0.-Average premium rate charged on real estate loans in certain

representative associations...

376-379

TABLE P.-Loans to other than shareholders ...

380, 381

TABLE Q.-Associations taking money on deposit

382, 383

CHAPTER III.-PREMIUM PLANS .....

385-424

CHAPTER IV.-PLANS OF DISTRIBUTION OF PROFITS

425-461

CHAPTER V.-WITHDRAWAL PLANS

463-489

CHAPTER VI.--GENERAL LEGISLATION RELATING ESPECIALLY TO BUILDING

AND LOAN ASSOCIATIONS..

491-713

MESSAGE OF THE PRESIDENT.

To the Senate and House of Representatives:

I transmit herewith the Ninth Annual Report of the Commissioner of Labor. This report relates entirely to building and loan associations in the United States.

GROVER CLEVELAND. EXECUTIVE MANSION,

Washington, May 1, 1894.

5