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1 association, $110.91; in New York 4 associations, $419.13; in Pennsylvania 8 associations, $4,823.14; in Texas 1 association, $1,239.94; in Utah 1 association, $9,315.40; and in Virginia 1 association, $81.05. The total net loss in 34 local associations was $22,075.61.

NATIONAL.-But one national association reported a loss. It was located in Nebraska and the loss amounted to $1,256.59.

The net losses in both local and national associations as given above amounted to $23,332.20.

Table XVI.--Classified occupations of shareholders in certain repre sentative associations, pp. 320 to 323.-The Department undertook to ascertain the facts as to the kind of people who patronize and use building and loan associations. The original purpose of these associations was to enable men of small means to secure homes for themselves and to save their earnings. The question became vital, then, as to whether the motive of the associations had been preserved. It was impossible to secure the occupation of each and every shareholder in the whole 5,838 associations in the country, and the attempt was not made, but we did learn the occupations of the shareholders in 909 local associations and 12 national associations, or a total of 921 associations. This table (XVI) gives the occupations in classified form for these associations by states. It shows that in the 909 local associations reporting there were 159,223 shareholders, and in the 12 national associations 15,547 shareholders. In the local associations 111,383 or 69.96 per cent of the whole number were practically working people, while in the nationals they numbered 8,403, or 54,06 per cent. These include the following classes as shown in the table: Accountants, bookkeepers, etc.; artisans and mechanics; farmers, gardeners, etc.; housewives and housekeepers; laborers; mill and factory employés; and salesmen and saleswomen. The remainder, that is, 47,840, or 30.04 per cent in the local associations, and 7,144, or 45.94 per cent in the national associations, consists of agents, bankers, brokers, etc.; corporation officials; government officials and employés; hotel, boardinghouse, and restaurant keepers; lodges, churches, and societies; manufacturers, contractors, capitalists, etc.; merchants and dealers; persons engaged in the professions; and superintendents, foremen, etc. These figures show conclusively that the building and loan associations of the country are being used by the classes for which they were originally established. These percentages may well and honestly be applied to all the shareholders in the country, as the facts relative to occupations were taken at random.

All of the general tables, 16 in number, which have been discussed follow in consecutive order.

TABLE I.-NAME, LOCALITY, AND DESCRIPTION OF ASSOCIATIONS.

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1 Eufaula.....

CALHOUN COUNTY. 2 Anpiston Anniston

COLBERT COUNTY. 4 Sheffield 5 Tuscumbia

DALLAS COUNTY. 6 Selma.. 7 Selma

ETOWAH COUNTY. 8 Gadsden ......

JEFFERSON COUNTY. 9 Avondale 10 Bessemer 11

Birmingham 12 Birmingham 13 Birmingham 14 Birmingham. 15 Birmingham 16 Birmingham 17 Pratt City

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LAUDERDALE COUNTY.

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Table 1.-NAME, LOCALITY, AND DESCRIPTION OF ASSOCIATIONS.

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TABLE J.-NAME, LOCALITY, AND DESCRIPTION OF ASSOCIATIONS-Cont'd.

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19 Helena.... 20 Helena....

a Not reported.

Home Mutual Building and Loan

Jupe 1, 1887 People's Building and Loan

May 1, 1889 b Including paid-up stock.

TABLE 1.–NAME, LOCALITY, AND DESCRIPTION OF ASSOCIATIONS-Cont'd.

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