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The times. [volume] (Richmond, Va.) 1890-1903, February 25, 1900, Image 17

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SCHOOLTEACHER
AS A GR?NTER
Interesting Paper Read b* Miss
Nannie Pegram.
SOME HELPFUL SUGGESTIONS.
Kindness to Pupil* is the Most ISlTcc
tivc Way of'Gaiiiiug Their Fr?ejui
shipand Ltitcrcs?ng Them
iu Their Work.
Miss Nannie Pegram, a well-known and
popular teacher in West-End School, re?
cently read at St. James' church an in?
teresting paper which attracted consider?
able attention among school teachers.
This pajar contains a number of practi?
cal sugg.'slions to teachers and pupils
alike, and it is given in full below:
The idea of public school teachers be?
ing gruntcrs'nevcr occurred to me until
1 was asked to write Ulis article. AVhat
an idea! Let me describe an average pub?
lic school-room of to-day. Fifty-two pu?
pils, which may generally be divided into
ihree classes; one-third coming from
homes of wealth and refinement, with
plenty of the best to eat, and clean, com
lonable clothing; one-third lrom homes
of ordinary circumstances, good clothes,
?substantial food, dean faces and baippy,
hearts; one-third from homes ot poverty,
orphans, mothers working in factories
for the support of the little ones, patched
clothes, hungry and diseased of times,
One-half of the filty-two knowing the
meaning of mother's love and( tender
cure: one-half hungry for a word'of sym?
pathy. Some used to drunkenness, blows
and harsh words; others, not knowing
the meaning of an oath.
A girl of twenty is expected to walk
Into this room, secure attention, preserve
order and teach eight or ten branches
each day.
Children, parents, principal, superin?
tendent, school board, conscience, and
above all, God to please.
Is there any wonder that public-school
teachers are classed with the grunters?
The principal asked Jennie why it was
thai the children in her room looked so
bright and happy? She answered, "My
teacher has ten pounds of pulverized su?
gar in her. and we can't help being
sweet and happy."
We are noi all grunters nor cross, crab?
bed old maids, as the world would prove
us. Few of our old maids are old maids
from "choice."
AVo get discouraged sometimes, but
as you have asked for personal exper?
iences, I will give them.
CLASS STANDING NO CIHTKBION.
AA'hen I have worked hard' the whole
monili and report day comes ] find the
per cents 44, 03. 5'J. etc.. I ask myself
the question. "Can it be that I have
talked, drilled and explained this whole
monili for naught?'- Worn out, I fall
asleep and ?lream. ? am a gray-haired
old maid. I am in the State Home in old
Richmond* the A'irginia legislature is
in session; a speaker is holding all spell?
bound; a bill is before the House for the
"Prevention of cruelty to animals." I
catch the words: "My teacher at AA'cst
Knd School used to say that a boy or
man who would light chickens was a
coward." I see before me Aleck?}'! per
cent., the eloquent orator of the House.
I dream on. I am in the crowded streets
of Philadelphia Sunday morning. A
vast multitude throngs lhe streets lend?
ing to "Grace Temple." Bussigli Cnn
wcll is to give place lo a noted young
preacher from Old A'irginia. I enter the
grand old edifice and stretch my neck
1o got a glimpse of the preacher. Is it
possible? John G-. my old pupil, who
could never recite a lesson unies?? his
hair was wet and parted in the middle. I
travel to Europe in my dream. Entering
the French Academy, I find famous paint?
ings, with the name Paul C. In the cor?
ner?my b*?y that so often decorated my
boards with cats and dogs, drawn so cu?
riously that our principal would beg that
we write the names underneath so as
to distinguish one from "tother."
I return to school. 1 teach no longer
lhe unruly pupils, bui the famous sena?
tor, preacher and artist.
Love and music can rule the school
world. Dear teacher, did you ever have
your little pupil raise his hand and.
forgetting, say, "Mamma, may I do so
and so?" Did you realize that he had
paid you the very highest compliment
his baby heart could pay? And really.
1 feel that the public school teachers fill
a more responsible position than the
mothers of our land.
One cold night last winter a message
came to me that one of my little pupils
was dying and wanted me. I went to
lier, and as Psat by that sick bed I was
not sorry lha.1 ? bad talked to my"class
of heaven, or that I had prayed before
them. Even* day we had a message
from that home. A certain softness
seemed to creep into ?.-very action of my
pupils. By and by, the angel Death took
"our Elsie." 1 never meet a pupil of that
old class that we do not speak of the
one that "slipped away."
A COURT SCENE.
Frequently, it is necessary to have a
court scene in school, to decid?? tho own?
ership of a pencil, sponge or orange. Nu?
merous witnesses are examined. Once
this sessic ? a little girl called another
"poor white trash." 1 found it necessary
to plead both cases and lo act as judge,
rendering the following decision: "As 1
do not know th?? real meaning of 'poor
white trash.* I cannot decide which one
Is right. Perhaps Sallie is 'poor white
trash.' I do not know. I do know that
it was very unkind of Daisy to call her
such a terrible name. Daisy must ex?
plain her language and then prove Sallie
to be guilty." They soon shook hands
and all was forgiven.
The third session ] taught my class
Avus, Indeedi a lovely one?not a bad con?
duct was given during the half-term. Our
beloved "Major" came ' to see us and
"made his congratulations." When the
class !?-ft me In February, I sai at my
desk and cried. Katie, Totsy and Cary
were iu that class. 1 vowed I would not
love my now pupils: They came. 1
would not notice them. Three weeks
passed. One day 1 was monitor on the
yard. Little Stella Jolly rushed up to me
and said. "O "Miss ?-, 1 love you. jilease
kiss me." ] did as she requested; in that
moment 1 found it was useless for me
not to love the children. Since then 1
have went as each class left me and
loved the new ones quickly.
Music helps a great d?-al in the man?
agement of a school. J hu\"c found large
boys in our building, who would do al?
most anything for the privilege of stand?
ing near the organ and listening to a few
tunes.. A teacher lias no right to be a
grantor, A grunter has no right in a
school-room.
One of the sweetest things in a teach?
er's life is to have the pupils love and
respect her as they go on through tho
schools?to have them return each after?
noon and repeat their little Kuccess.?s
and failures. Then, if she is the sweet
teacher, the first violets of spring and
the last rose of summer is sure to be
found upon her desk. How offen the
little pupil will sacrlllce his orange to
have something to give his teacher.
Last Christmas, in the early morning,
my door-bell Vang. I found Totsy stand?
ing there. Savs lie. "Miss ?-, I've a
present for you." Running his hand in
his pocket, hocound that he didn't have
It. "There," sajd he, "mamma made me
change my clothes and It is in the other
-?? ?
coat.** He finally brought me a tiny sil?
ver heart, more precious to mc than if
It had been a diamond jewel.
About 3 o'clock one summer morning
when Totsy was about nine years old,
he brought me four magnolias and told
mo he was going to grandma's, but he
wasn't going to forget me. Whenever he
found eggs ho was going to put one away
to bring back to me in September.
A very bad boy came to me. I tried
every way to win him. All failed. He
would not .study or be good. Then he was
absent for several weeks. Tho day he
returned his mother sent for me. She
said: "I have been very sick and Frank
has had to nurse me. He has been so
patient and gentle. I ?lid not know that
he could sing, but whenever I became
restless he would sing and hum the sweet
songs he had learned at school. I want
to thank you for the songs you have
taught him."
GREATEST DIFFICULTY.
The greatest ?troubles teachers have Is
tho lack of co-operation from parents, it
frequently, h; _>?>?-ns. Chough, that the par-,
ent who condemns a teacher for her
methods of discipline in the early part
of a term Will write and thank that
same teacher, at ihe end of the session,
for the Improvement in the child.
A great many unkind thoughts and
words would bis left out of a tea school
if parents and teachers knew one an?
other. Ambitious teachers suffer a great
deal. It Is hard to work to improve your?
self and then have another teacher pro?
moted, who has not read four books in
five years. It is hard to teach subtrac?
tion and division when one's soul is fill?
ed with music, literature and history.
It is hard to see one teacher receiving ?ftJ?
per month who is doing nothing for the
advancement of tho school, while anoth?
er receives $45 and gives her whole life
to the cause. Cases like these are rare
in Richmond schools. Our superintend?
ent Is a man of thorough judgment and
promotes on merit alone. (She is a wise
teacher who learns to stand In with the
principal.)
Many amusing things occur in our
sch??l-Tooms. Ghewing gum, sticking
pins, painting faces, pulling hair, throw?
ing wet sponges, breaking pencil points,
using bad words, hiding hats, smearing
Ink, passing answers to examples, throw?
ing pebbles have a place on our pro?
gramme.
We cannot keep our little people from
loving each other. I have found it best
to gain the confidence of the little lads
and lasses and not to be too harsh.
Often ha\-o I seen a rough little fellow
work hard all day because he knew a
pair of big blue eyes would see him walk
up to the desk to get his perfect ticket
when the day was ended.
Often the little pupil will try to bribe
his teacher. One little fellow said: "Pa?
pa says if I get 'M per cent, this month
he will give me .??!, and I'll give you half."
One little girl wrote me a note before
examination, saying "if she got pro?
moted her mamma was going to send
me a lace handkerchief. ' 1 don't think
our teachers can be bribed.
I would like to tell you of the curious
Ideas advanced by our pupils, of the lu?
dicrous mistakes they make, of the beau?
tiful thoughts they originate, of the pro?
gress the public schools of Richmond are
making in every line?new branches be?
ing taught, better and more comfortable
buildings, more efficient teachers, princi?
pals, superintendent, and school board
working harmoniously for the advance?
ment of the children. Richmond public
schools rank first in the south land.
The majority of our teachers are not
grunters.
One word to the young women contem?
plating graduation: When Hon. .1. Tay?
lor Ellyson presents you with your di?
ploma in June be sure that he confers
upon you at the same time "ten pounds
of pulverized sugar."
NANNIE PEGRAM.
Teacher West-End School.
(Euacnie as _5Tje
(appears 3o=Dai],
By Mrs. Cushman K. Davis.
I have frequently been asked to de?
scribe this lady, who has seen more vi?
cissitudes than usually befall the daugh?
ters of Eve, whether princess or peasant.
Imagine a tall, slender woman, with
pale, clear complexion and lustrous dark
eyes, so expressive, so sad, so full of
memories that they seem 'to haunt you.
The? Empress is past sixty-two, but she
does not look fifty. It has been said that
her hair is perfectly white. This is inac?
curate. She has the strangest, yet the
most pleasing hair 1 have ever seen. It
would seem that every other hair is
white and the rest still retain the raven
hue of youth.
In manner. Eugenie is what you would
expect from one who has stood In the
light which beats upon a throne. She
speaks seldom of her misfortunes, never
of the loss of her social position, some?
times of her husband ami hero son.
She is full of interesting allusion to
the past, but she touches them calmly,
as though she were speaking imperson?
ally. One feels in her presence the influ?
ence which those who have suffered, and
suffered bravely, must exert on those
around them.
The incidents of my meeting will show
how completely time has changed her.
MRS. CUSHMAN K. DAVIS.
if, indeed, she ever were so haughty and
unapproachable as has been represented.
The American contingent of the Peace
Commission had been in Paris but a short
time when we learned that the ex-Em?
press was In the same hotel. Wo heard
also that her health was feeble and that
she had come to the French capital for
treatment.
One ?lay in the corridor I accidentally
saw Ihe lady, and I was so Impressed
with her appearance that I ventured to
send my card, saying that an American
woman sent her greeting and hoped she
would soon recover her health.
To my great joy, but also to my amaze?
ment, I received an Invitation to come to
her room. Afterward I was invited to
breakfast.
I saw her many times and always re?
ceived the sanie gentle greeting and the
same gracious words.
It Alight. Oc Coiitajrioiis.
Mamma?"What is Willie crying about?"
Bridget?'"Shure, ma'am, he wanted to
go across the street to Tommy Green's."
Mamma?"Well, why didn't you let him
go?"
Bridget?"They were after bavin'
chara<les, he said, ma'am, and I wasn't
sure as he'd had 'em yet"?Woman's
Journal.
Advantage of If aviiix Two Parents.
"What is arbitration, pa?"
"Well, It Is a good thing for you. Tom?
my. When your mother wants to whip
you I coax her off. and when I want t.
whip you she coaxes me off."?Indian?
apolis Journal.
DIFFICULTIES IN
CENSUS TAKING
Not the Political Picnic That Some
People Imagine It.
LEGAL .QUESTIONS THAT ARISE
Tho Proper Classification oftlic Indian
Population is One of tile Questions
That Causo the Census
- Olllcc Trouble.
Census-talcing is not the political picnic
that many people Imagine. Few appre?
ciate the magnitude of the work. The
eleventh census cost more than $11,000,000,
and in -the twelfth census an office force
of more than 11,000 for about two years
and a Held force of over ?O.ijOO for from
two weeks to a month will be employed.
Then, too, the Hollerith tabulating ma?
chines, by which the population is count?
ed and the returns tabulated, make cen
sj'is-taking a huge industrial process.
The Census Ollice becomes a factory;
the director of the census a captain of
industry, who, if he is to be successful,
must possess all the directive energy and
genius for . organization - wnich charac?
terize our most successful manufacturers
and railroad presidents.
Among the troublesome problems which
have to bo solved by tho Census Office
are the-legal questions which continually
arise. The Indian census, for Instance,
fairly bristles with legal difficulties. In
IStK) the census law provided that a "spe?
cial report" upon the Indians should be
made. A volume of 700 and odd pages
was published, profusely illustrated, and
touching every point ot" the Indian prob?
lem. For once in history "Poor Do" was
accorded justice. The volume was so
pretty that the edition was soon ex?
hausted, and now the Department of the
Interior has .pot even a copy for tho
Census Office itself.
Put the law providing for tho twelfth
census makes no special provision for
an'Indian census; nor docs It authorize
such a special report as was. made ten
years ago. It is at this point that the
real difficulties of the Census Office re?
garding the Indians begin.
INDIAN POPULATION".
The Indian population, then, cannot be
treated by itself and described In a sepa?
rate report. It also seems Illogical to
class the Indians among the ordinary
population of the United States. The
Indian tribe is in many respects a dis?
tinct nationality, although since ISTI Con?
gress has been doing its best to destroy
all traces of tribal Independence or self
government. Moreover, the tribal In?
dians are not citizens or -the United
States. The reservations upon which they
Uve are not legally parts of the State or
Territory which surrounds them, and
State nnd territorial laws do not apply
to the reservation or to the Indians upon
it Acts of Congress do not apply to re?
servation Indians, unless such application
is explicitly authorized in the act.
Fuder such conditions it seems Impossi?
ble for the Census Office to class Indians
as a ?part of the ordinary inhabitants of
the States and Territories. On the other
hand, it is equally impossible to ignore
them and omit them entirely, for the
Constitution of ^ the United States says
that "representatives shall be apportion?
ed among the several States according
to their respective numbers, counting
the whole number of persons in each
State, excluding Indians not taxed."
Tills fastens upon the Census Office a
duty that seems plain enough. But as a
matter of fact, it would give the Attor?
ney-General ot" the United States some
hours of work to explain exactly what
Is meant by the apparently simple phrase,
"Indians not taxed." The uncertainty in
the phrase is an the meaning of the
word "taxed." The tribal Indian, like
other inhabitants of the United States, is
subject to the internal-revenue duties
and the various stamp taxes now imposed
by the United Stat?>s. If he uses a bank
check he must stamp it; if he manufac?
tures a box of cigars he must stamp It.
Is he "taxed" thereby?
WHAT IS A TAX?
Just what a "tax" is. in the meaning
of the constitution, has never been defi?
nitely decided, although the question has
been before the Supreme Court many
times. The famous Income Tax cases
?hinged upon this very point. Ex-Sonator
Edmunds and Joseph H. Choate; now
Ambassador to England, assisted by
some of the -most eminent lawyers of
America, successfully argued that an in?
come tax was a direct tax. within tho
meaning of th? constitution. Attorney
General Olney, James C. Carter, and
other prominent lawyers, gravely argued
that an income tax was not a "tax." tout
an excise ar duty. At the first hearing
of the case, the Supreme Court was even?
ly divided upon many of the points at
issue. At the second hearing, the decis?
ion was rendered with four dissenting
Justices, against the live who concurred
in the opinion of the Court, that an In?
come tax was a direct tax.
Whether or not a stamp duty is a tax,
and if it is. whether it is a dircet tax:
whether "Indians not taxed" nitians In?
dians not directly taxed, or whether it
may r.ot mean Indians not taxable, are
questions that must be decided by the
Census Office before It can form its plan
for the Indian enumeration.
The last question has been a subject or
debate ever since Indian censuses have
been taken. In 1S90 there were about s'!,
000 civilized Indians living among tne
general population of the United States.
Such Indians are citizens of the Uniteli
States, but many of them are too poor
to pay taxes. Are they to be excluded
from the population according to which
representation in Congress is apportioned?
We count every Chinese and other alien
of whatever sort or condition. Before the
war, we counted every negro slave as
equivalent to three-fifths of a white man.
It seems manifestly absurd to believe tha?:
the framers of the constitution meant to
exclude a class of citizens who are also
natives, because of their poverty, in
other ?words, the framers of the constitu?
tion must have said what they did not
mean. What "they really meant was to
exclude all Indians belonging to a class
not subject to taxation.
All these points are subjected to the
most careful examination in the Census
Office, and when a decision as to the
legal obligation of the Office has been
reached, the statisticians turn their at?
tention to the economic and Eoci.il as?
pects of the question in hand. Experts
are consulted; the important lines of in?
vestigation are mapped out. and inauirlea
are so framed as to bring out the desired
information In a form in which it can be
handled w?th the Hollerith machines. _t
the same time, these questions must be
put in such-a way that they wll, neUner
be misunderstood nor likelv to evoke an
tagonlsm or false replies. , No nains are
spared to interest the public in the work
and to secure general and heirtv eo-rm'
oration Without that the ngMr__ui
work at Washington or by the enumera
tors must ?rove fruitless. enun?era
"- .-?-_ '
She Pitied UntiW?. Him Not,
*"rher L,??." hope *? br?s you to my
rn_yio?ver inklnS?" falter?d ?Q des?*^
The beautiful Bostonian shuddered.
??^?? sh/:,r,el!<*l. "nor it is apparent
that you think as the multitude think;
tha. Is, from the particular to the parti
S?Sf??.?? ,1 shaU "'^-s* Prfn^ -?usa
volente, think from the general to the
particular."
???_? R^,^' but Pity was fax from
? loye.?Detroit ' JournaU -v
M
TNA LIFE INSURANCE COMPAS T.
ANNUAL STATEMENT FOR THE FISCAL YEAR ENDING THE iBST DAY
OF DECEMBER, lS'rD, OK THE ACTUAL CONDITION OF THE ?????
LIFE INSURANCE COMPANY. ORGANIZED UNDER THE LAWS OF THE
STATE OF CONNECTICUT. MADE TO THE- AUDITOR. OF PUBLIC AC?
COUNTS FOR THE COMMONWEALTH OF \1RGINIA PURSUANT TO THE
LAAVS OF VIRGINLL"
Name of the company in full?AETNA LIFE INSURANCE CO^-^^X,^
Location of home or principal office of said company?HART!? ORD,--CW? is.
Character of the business transacted by the company?LIFE AND ACClUi?,?*? J.
INSURANCE.
President?M. G. BULKELEY.
Secretary?J? E. ENGLISH.
Organized and incorporated?1S20.
Commenced' business?1S50. _,?U - r.,-._a to- tc?
Namo of the General Agent in Virginia-J. B. MOORE & CO.. andA\. W.
IIAkDU'ICKli.
Residence-R?CHMOND, VA.
The amount of capital stock.
??Accident.
Amount
Tlie number of policies and the amount
of insurance effected thereby in force ?"
at end ot" previous year.$100,561,120
Tho number ot policies issued' during th?
year and tiie amount of insurance
thereby. 2S0.7O9.00O
... $1.750,000 00
-Life.-1
No. Amount
94,327 $157,302,932
13,300 24.OOS.I01
Totals.$300,57L020
The number of policies and the amount
o? insurance which have ceased to be
in force during the year. 263,763,550
107,717 ?1S2.301.333
7.14S 13,851,543
The whole number of policies in force,
and the amount of liabilities or risks'
thereon at end ol year.?135,507,470
10O.27I
RECEIPTS.
Accident.
The amount of premiums received during the
year. $855,566 SI
The amount of interest received from all
sources.
The amount of all other receipts.
Totals. $S?5,S6t? S?
DISBURSEMENTS.
Tho amount of losses paid. $3tf-\3S5 50
Tiie amount of matured endowments paid...... .
The amount paid for surrender values.
The amount of dividends paid to polio-holders.
The amoupt of dividends paid to stockholders. 43.750 00
The amount paid tor expenses (including taxes,
and fees??1S,"?S1.C?, Accident; $213,402 70, Life. 307,007 GO .
The amount of all other disbursements.- .
Totals. 5743,143 10
?68.440.700
Life.
$6,268,084 70
2,512,291 41
52.381 SO
$S,663,157 01
$2,341,918 33
1,064.407 02
340.959 U
1.038,312 81
175,400 00
1,208,743 27
1.071 83
$6,361,313 47
. ASSETS.
(Life and Accident.)
Bonds, market value.
Slocks, market value.
Real estate, unencumbered, market value.
Loans secured by first mortgage on real estate.
Cash in banks, trust companies and company's office..
Loans on company's policies, assigned as collateral.
Premium notes, etc.
Loans secured by pit-dye of stocks and bonds.
Interest due and accrued. .
Rents due and accrued. .
Uncollccted and deferred premiums. ,
All other assets.
Totals (carried! out at market value).
.$ 3,051,572 CO
. 15,S7?,&>5 24
513,446 71
. 22.203.9.? 76
. 6.037,435 28
. 1,615,205 00
405,617 S4
973.1.'!3 18
. , 723.607 45
2,<>'5 55
. 451.S01 82
23.3-15 06
? $52.S74,405 89
LIABILITIES.
The amount of losses unpVid?
Unadjusted?$72,575.32, Accident; Re?
sisted. $20,644.;-2, Accident.$102,226 14
Unadjusted?{1163,654, Life; Resisted?
$26,128, Life.
The amount of matured endowments un?
paid.
The amount ol" liability on policies, etc.,
in force 31st December last, on^ basis
of 4 per cent-, actuaries, mortality .
table. 302,462 SS
Special reserve in addition to the 4 per
cent, reserve.
Tho amount of other liabilities. 1,500,00
Totali.$40?'.1S3 03
S1S0.7S2 00
56.760 00
44.276,699 00
1,614.000 00
834.660 02
$47,001,901 02
-Life.?
?No. Amount.
$1.564,S17
430,465
BUSINESS IN A'IRGINIA DURING 1S00.
,-Accident.
No. . Amount.
Number and amount of policies in force
December 31st of previous year. 302 $1,154,650
Number and amount of policies issued
during the year. 071 2,970,600
Totals.1,363 $4,125,250
Deduct number and amount which have
ceased to be in force during the year. SCO 2,7'5,S50
Total number and amount of policies'
in force at end of year. .'.03 $1,379,400
No. Amount.
Amount of losses and claims on policies
unpaid December 31st of previous year. 1 $ 37 50
Amount of losses ami claims on policies
incurred during the year. 48 2.437 02
Totals. 40 $2.475 42
Amount of losses and claims on policies?
pai.l during the year.?..'48 $2,424 21 IS $33,S42 70
Amount of assessments, premiums, d?ies and' fees collected In Virginia during the
year, in cash and notes or credits, without any deduction for losses, divi?
dend?, commissions, or other expenses: Lite, $U0,2S2.35; Accident, $9,281.88. Total,
$78,564.23. *" I
1,103
107
i.OSS
?No.
$2,024,2S2
137,206
$1,867,076
Amount.
$ 4,000 00
32.S52 00
$36,S52 00
M. G. BULKELEY. President.
J. L. ENGLISH, Secretary.
(Sirmed)
(Signed)
I-1 State of Connecticut, . -
I Seal of I City of Hartford?ss.:
I Notary I Sworn to January 26, IM. before
|-1 FRANK AV. BID WELL, Notary Public.
1.1. H?RDWICKE, Special Agent.
GEO. C. JEFFERSON, Local Agent.
? HE INSURANCE COMPANY O?* NORTH AMERICA.
ANNUAL STATEMENT FOR THE YEAR ENDING DECEMBER 51. 1S93, OF
THE CONDITION AND AFFAIRS OF THE' PRESIDENT AND DIREC?
TORS OF THE INSURANCE. COM PAN Y OF NORTH AMERICA. OF
PHILADELPHIA. ORGANIZED UNDER THE LAWS OF THE STATE OF
PENNSYLVANIA. MADE TO THE AUDITOR OF PUBLIC ACCOUNTS OF
THE COMMONWEALTH OF VIRGINIA, IN PURSUANCE TO THE LAWS
OF VIRGINIA.
President?CHART.E3 PLATT.
Secretary-OHEVILLE E. FRYER.
Principal Office? PHILADELPHIA. PA.
Incorporated?APRIL 14, 1T?H.
Commenced Business?A3 AN ASSOCIATION, 173?.'.
CAPITAL. '
Amount of capital stock paid up in cash., . Jo.O?O.O?i) ??
ASSETS.
Value of real estate owned by the company.
Loans on mortgage (duly recorded and being the first liens on the
fee simple) upon which not more than one year's interest is due._
Loans on mortgage (first liens) upon which more than one year's In?
terest is duo (of which _7S,99y}.9? is in process of foreclosure).
Interest due on all said mortgage loans, $1">,27?J.4S; interest accrued
thereon, S9.95S.42.
Value of lands mortgaged, exclusive of buildings ani
perishable improvements.52,111,401 CO
Value of buildings mortgaged (insured for S!,?!S,C55 as col?
lateral).2,279,239 00
Total value of said mortgaged' premises_
... 14,420.7?0 00
BONDS? AND STOCKS OWNED BY THE
? Par Value.
United States Government...,.. lOO.OOi? 00
United States Government. *_>.C<jO 00
Territory of New Mexico. , 2,0'JO 00
Georgia State Loan. 23.CKH) 00
Grant County, New Mexico. S.O0O 00
Boston City Loan, Registered. 112.000 00
Baltimore City Loan, Registered. 200,(?0,fl0
Toledo City Loan. 1,000 00
Citv of Raton, New Mexico. 200 00
City of Columbus (Ohio) Bonds. 25,000 CO
Cincinnati City Loan. 10,000 00
Cincinnati City Loan. 10.0t? 00
City of Portland (Ohio) City Hall Bonds.. 50,000 0Q
Providence City Loan. Gold, Registered.. 25,000 CO
Richmond (Va.) City Bonds. 3.000 0?)
Richmond. (Va.) City Bonds. 50,0?i0 On
City of Montreal Bonds. 111,000 C.
City of Chicago, Improvement Bonds- G.5?30 O)
City of Chicago, Improvement Bonds....
County of Colf ax. New Mexico.
Belgian Government, fcs. 250,000.
Brooklyn Wharf and Warehouse Com?
pany's Gold Bonds.
Pennsylvania ?Railroad Company's Con?
solidated, Registered. 230,000 00
Pennsylvania Railroad Company's Con?
solidated. Coupon. 100.COO 00
Pennsylvania Railroad* Company's Con
solidated Mortgage Registered Bonds.. 100,000 00
Philadelphia and Reading Railroad Com?
panys First Mortgage. 250.000 00
North Pennsylvania Railroad Company's
Bonds, General Mortgage.,. 75,000 00
Vorfch Pennsylvania Railroad Company's
Coupon Bonds..... . 5.000 00
Relvldere and Delaware Railroad Com?
pany's First Mortgage. 50,000 00
Pennsylvania and' Ne\v York R. R. Co.'s
Bonds, guaranteed by L. V. R. R. Co.. 25,000 CO
Lehlgh Coal and Navigation Company's
Consolidated Mortgage. Registered
ti.SCO 00
10O0O
49,000 00
30,000 00
ConSOUfiaicu .mu? is>?sc, Jiogisiereu....
Philadelphia, and Erie. Registered, guar?
anteed by Pennsylvania R. R. Co.
Chicago and Western Indiana Railroad,
First Mortgage Bonds. Coupon....
Northern Central Railway Company's
Consolidated General Mortgage.'.. ' 11,000 00
Pittsburg. MeKeesport and Youghiogheny ?
Railroad. Second ilortsase. 60.000 00 _;
5,000 Of
150,000 00
42,000 00
COMPANY.
Market Value.
Not including
accrued Interest.
$ 113.000 00
_X_J0 (j.)
2.400 00
28.500 00
?.000 00
123.200 00
204.000 00
1.050 00
200 00
? 25,750 00
10.700 00
10.700 CO
? 59.000 CO
25.0?O0O
3.180 CO
?:.0OO 00
122.100 00
0.500 00
6.500 00
100 00
49.000 00
23,100 00
292.100 0Q
127.000 00
115.000 00
3?2.50? 00
S2.500 00
5.9001?
? 53.500 00
29,250 00
6,350 00
178,500 00
?JOO 00
G ?????
?MOO 00
525,477 03
,707,735 21
14S.193 9t?
25.234 30
The Belt Railroad and Stock Yard Com?
pany, Coupon Bonds. Indianapolis. 50,000??)?
Bergen County Railroad Company's First
Mortgage Bonds, Coupon.. . *?jX?ot)
Car Trust of New York, No. 3. Series D,
Registered.?? 32,000 OC?
Atlantic Mutual Insurance Scrip.? ? -40.920 00
Philadelphia and Baltimore Central Rail?
road? First Consolidated. Registerd... 100.000 00
Delaware and Chesapeake Railroad. First
Mortgage. . 300,00000
New York. Lake Erie and Western Rail?
road, Third Mortgage.'.??- 200.00000
Steubenville and Indiana Railroad. First
Mortgage. Registered. .?-- 200.000 00
Texas and Pacific Railway Company 3
First Mortgage.,.......' 39.00000
Louisville and Nashville Railroad (Evans-,.... .
?-Ule and Henderson Div.). 1st Mort... $9.000 0?
Lehlgh Coal and Navigation General"
Mortgage, Registered......?. 60,000 00
West Shore Railroad, First Mortgage.:.. 25,000 00
3an Antonio and Aransas Pass Ry. Co.'-?.
First Mortgage, guaranteed by So.'
Pacl?c Railway. Gold. 21,000 00
Jefferson Railroad. First Mortgage,
- Coupon. 39,000 00
McKeesport and Belle Vernon Railroad.
First Mortgage. 20.000 00
Pennsylvania and New York Canal and
Railroad Company's Registered. 50.000 OO
Lehigh Valley Railway Company's First
Mortgage, Gold. 50,000 00
Elizabeth Railroad, of Austria. Preference
Bonds. Florins 89.0CO. 40.000 0?
Lehigh Valley Railroad Company's Con?
solidated Bond.??. 60,000 00
Philadelphia and Reading Railroad, Im?
provement Mortgage. 1SO.O0O 00
Baltimore Belt Line Railroad. First Mort?
gage. 30,?*H>000
Tioga Railroad. First Mortgage. 5.000 00
Lehigh A'alley Terminal Company's Reg?
istered. 40,00000
Cineinanti. Hamilton and Dayton Rail?
road, General Mortgage. ?0.000 00
Camden arid** Atlantic. Gold Bonds. riO.OOO 00
Baltimore and Potomac Railroad Bonds.. 5,00>*? 09
Cleveland. Lorain and Wheeling Rail?
way. First Mort., Consolidated. Gold.. 50.000 00
Northern Central Rai?way Consolidated
Bonds. 10,000 00
Prospect Brewing Company. Philadelphia,
First Mortgage.-,. 25.000 00
Reading Companv and Philadelphia and
Reading Coal & Iron Co., Gen. Mort... 25.000 00
Terminal Railroad Association of St.
Louis. Consolidated. 40.000 00
Lehlgh Coal and Navigation Company's
Collateral Trust Bonds. 50.000 CO
Delaware River and Bridge Company,!
First Mortgage, Gold Bonds. 50,000 00
Chicago and Erie Railroad", First Mort?
gage. Gold. 50,000 00
Philadelphia and Reading Railway, Con?
solidated. Stamped. 50.000 00
Delaware County Refunding Bonds. 50,00000
AVilmtngton and Weidon Railroad, Gen?
eral Mortgage. 50,000 00
Chicago, St. Louis and New Orleans
Railroad. 50.000 00
Chicago, Rock Island and Pacific Rail?
way. 100.000 00
West Jersey and Sea Shore Railroad.... 50,000 00
Pennsylvania Railroad Collateral Trust
Bonds. 50,00000
Union Pacific Railroad Company, Fl-st
Mortgage. 30,000 00
Northern Pacific Railway Company,'
Prior Lien. 60,000 00
318 Shares North Pennsylvania Railroad
Company. 15,000 00
60 Shares Lincoln Gas Company, Lincoln,
Neb.;. 6.00O 00
500 Sharee Philadelphia Traction Co.... 25.000 00
100 Shares Philadelphia National Bank.. 10.WO 00
40 Shares Philadelphia Bourse. 2,000 0?)
30 Shares Philadelphia Bourse, preferred.. 750 0?)
22S Shares Chesapeake and Delaware
Canal Company. 31.400 00
1,500 Shares Insurance Company of North
America. 15.000 00
500 Shares North America Wrecking Com?
pany.j. 50,000 00
Total par and maket value (carried
out as market value.$*J.374.-?"0 00
57.500 00
02.500 00
?' 12.240 00.
40.920 09
100.?09 03
,.101.000 ?TO
220.000 CO
310.009 ??
19.570 CO
! 67.260 CO
"?2.009 f-"t
27.730 00
18.800 00*
40.950 00
24.600 00
45.060 00
55.000 00
40.000 00
50,000 00
156.000 00
30. OW 10
5.250 00
41.800 m
54.500 00
?ff.OfrO ?()
6.150 ??
54.000 OO
10.100 00
25.000 00
20.750 00
43,600 00
01.000 CO
52.500 OO
57.000 CO
51.SCO 00
50.000 00
52.000 OO
48.000 CO
105.000 00
59.000 00
55.000 0)
30.??? 00
50.609 CO
33.072 Qfl
730 ?>?.?
???? 00
36.000 00
29.000 00
$4,801.733 00 $4,S01,732 00
COLLATERAL LOANS.
Market Am't Ln.iti.~l
Value. Thereon.
$?10.750 00 $ 7,500 00
2.121? 00 )
3.270 00 ( Tnnn m
. Par
* I Value.
New Jersey Consolidated Traction Com?
pany's 5 per cent. Bonds.$10.000 00
City of Philadelphia. 6 per cent., due 1001. 2.000 00
City of Philadlphia. 311? per cent., due 1020. 3,000 00
Lehlgh A'alley Railroad Companv's 7 per
?rent. Bonds, due 1010. 3,000 00
Girard Life Insurance. Annuity and
Trust Company's Stock. 5,000 0?)
Total par and market value and
amount loaned thereon.$22.000 00 $14,180 00 $3.'.500 00
Cash belonging to the company deposited in bank.
Gross Premiums (as written In the policies) in course of collection..
Bills receivable, not matured, taken for tire, marine and inland risks..
All other property belonging to the company, viz.: Due from other
companies tor reinsurance on losse;" already paid, $7,687.44; book
accounts, due company. $43,9?i8.Bl.;..-.
25.500 OO 20.000 00
-regate amount of all assets of the company,
actual value.
stated' at their
34,500 00
771.S60 05
S77.57R 02
49.069 83
53.656 05
0.295.037 03
LIABILITIES.
Gross claims for adjusted and unpaid losses due and to bi?
corne due.,$'20.063 (8
Gross'losses in process of adjustment, or in suspense, in?
cluding all reported and suppose?! losses. 5S4.S21 27
Losses resisted, including interest, costs and! other expenses
thereon.- . 27.037 50
Total gross amount of claime of losses.$.'32.824 23
Deduct reinsurance thereon. $30,437.00, and salvuge claims.
$127.000. :. 157.439 90
Net amount of unpaid losse*.
Gross premiums received and receivable upon all une.tplred
tire risks, runing ???? year or lesa from date of pollcy
$2.SOB. 141.62; unearned premiums (50 per cent.).$1,448,070 80
Gross premiums received and receivable upon all unexpire-.l
fire risks running more than one year from date of
policy, $;:.277.0?H.2S: linearne?! premiums (pro rata).1,665,873 05
Gross premiums (including both cash and bills) received and
receivable upon all unexpired inland navigation; unearn?
ed premiums (50 per ??ent.). 211,215 !G3
575,386 35
Total. $3.338,105 08
Less reinsurance... ...:."._ 151.820 41
Total unearned premiums as computed; above (carried
out).;.-_-3.1S6.344 67
Amount reclaimable by the insure?! on perpetual fire Insurance poli?
cies being 00 and 95 per cent, of the premium or deposit received. 772,173 69
All other demand's against the company, absolute and contingent, due
and to become due. admitted and contested, viz.: Commissions,
brokerage and other charges due and t?> heconia duo to agents
and brokers, on premiums paia and in course of collection, $3S,107.57;
reinsurance, $**f>,9'0.12; atl others. $33513. 64,352 S3
Total amount of liabilities, except capital stock and net surplus.. $4,598,256 53
Joint stock capital actually paid up in cash. 3.(HM.0?W OO
Surplus beyond capital and all other liabilities. 1.606,780 55
Aggregate amount of all liabilities. inctluding paid-up capital
stock and net surplus. $9,205,037 Ou
RECEIPTS DURING THE YEAR.
Fire. Marine and Inland.
$ 581.293 59
Gross premiums and bills unpaid at close
of last year.$428,146 83
Net collected. -128.146 83
Gross premiums on risks written and re?
newed during the year. 4,73S,5ii> 17
. Total..,..5,166,603 1?)
Deduct gross premiums and bills in
couise of collection at this date. 587,969-V?
Entire premiums collected during the
year. ,.$4,578,693 41
Deduct reinsurance, rebate, abatement,
and return premiums.?.. 075,119 19
581.293 50
2.0O1.27*? 19
2.032,566 7S
33S.67S 26
$2.243.3S8 53
439.851 27
Net cash actually received for premiums
(carried out).S3.603.574 22
Received for interest on mortgages.
Received for biterest ami iividends on stocks and bonds, collateral
loans, and from all other sources.
Income received from all other,sources.
Deposit premiums (less five per cent.) received for perpet?
ual fire risks (carried inside). $17,410 53
$l,S04,0f-7 25 $5.407.611 41
138.253 71
242.93S 88
107.8U ?
Aggregate amount of receipts actually received during the year in
cash. $3,S96,61359
DISBURSEMENTS DURING THE YEAR.
Pire. \ Marine and
Gros3 amount actually paid for losses
(including losses occurring . in pre?
vious years)..-.$2,681,808 19 $2.Ci>'
Deduct all amounts actually received for
salvage (whether on losses of the last
; or of previous years). $171.625.69, and
? amounts actually received for rein- -
surance in other companies, $721.593.23.
Total deduction. 208,410 Co ?art.
Inland.
,786 33
7$ 93
Net amount paid during the year
for losses...$2,473.368 19 $1.923,007 41 $4,396.373*0
Cash dividends actually paid stockholders during the year.. ^360.000 00
Paid for commission or brokerage.?.. ?.02S.3S7 OO
Paid for salaries, tesa, and all other- ?iharges of officers, clerks,
agents, and all other employes.
Paid for State and local tax?e in this and other States.
All other payments and expenditures.j..... .
Amount of deposit premium returned during the year on per?
petual fire risk (carried inside).,.,.$23.523 95
*? ? ?
Aggregate amount of actual ?disbursements during the year, in cash. $6,553,837?
328.699 29
14S.946 43
290.423 IS
BUSINESS IN THE STATE OF VIRGINIA DUJU'NO THE YEAR.
Fire. Marine and Inland, Aggregate.
Risks written.,.$2.6*?.54? 00 St*7,:rs> 00
Premiums received (gross),. 4H,m 78 556 59
Losses pad..?v 21.5H3? 373 04?
Loases Incurred.? 23.81* 40 273 9*
$2.750.006 00
40,73?3-f
31.817 30
23,089?
'CHBUfttiES PLATT. President.
GREVILLE E FRYER. Secretary.
I (Signed)
(Signed)
{-1 State of Pennsylvania.
I Seal of 1 City of Philadelphia?ss.:
Notary,! Sworn tb January 23, 3300. before
1 RICTPD H. REILLY. Notary Public.
Not
D, N. Walker * Co., Agents,
1014 EastMainStreet.

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