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-TIIE- o 5 London & Provincial Bank LIMITED. SUBSCRIBED CAPITAL £ 2,000,000 RESERVE FUND E2,000,000. Directors- Sir FREDERICK GEORGE BANBURY, M.P. Bar?t .OODROW CROSS, EBq.  11. GALS?VOR'I'IiY. Sir EDWIN H. GALS WORTHY. ALFRED GLLBEY, Esq. The Rt.' Hen. Sir HERBERT MAXWELL, Bart. F.Jl.S. RICHARD COBDEX MICHELL, Esq. H. RiillNGTON-WILSON, Esq. Sir JOSEPH SAVORY, Bait. Joint General Managers- JESSE LAMBLY THOMAS, Esq. WILLIAM CARRUTHERS, Esq. Secretary- WILLIAM JOHN STOEOE, Esq. Auditors— ERNEST COOPER, Esq. EDGAR FIGGESS, Esq. Solicitors- London Agents- Messrs. MUNNS & LONGDEN. Messrs. GLYN, MILLS, CURRIE & CO. Head Office-5, BANK BUILDINGS, LOTHBURY, E.C. COUNTRY BRANCHES: Manager. ABERAYRON E. L. Jones. A&E'?.<-HE C. M. Lewis. ABERDOVEY D. E. R. Griffith. ABERTILLERY F. YendolL ABERYSTWYTH 1. B. Kitto. ALDEBURGH T. ?. Thomas AM?''NFOKD W. D. Da\ios ASCOT. T.F.Shaw ASHFORD (MIDDLESEX) C. E. Davey BARGOED D. M. Yorwerth. BARRY W. P. Phillips BELVEDERE L. H. Inglis. BEXHILL-ON-SEA A. P. Cracknell. BEXIJKY HEATH C. Cruseon.. BLACKWOOD W. Phillips.. BRECON J. Williams.. BRIDGEND J. T. Wil11aIUs.: BRIGHTON W. Grugeon. BRJRHTON (London Road) W. Grupreon. BRISTOL E. John. BRITON r, ERRY G. B. Marsh. I BlIILYM WELLS .Davirl Thomas. B'C"\C?\Y .? T. L. 11?irt CAERPHILLY. D.EIias. jf!¥;¿ii//Y/Rli: I CARDIFF T.J.G-igeon. CARi. ?F DOCKS J. E. Harris. CARDIGAK. G. R. Phiilipa. CARMARTHEN R. A. Brockie. CHATHAM W. B. Willmot. CHEI'STOiV. C. W. L. Di?bv. COWBRIDGE G. Codd. DARTYORD E. G. nixon. DISS W. M. Thomas. DOWN IT AM MARKET G. W. Pa-re. EAST BOURSE. R. E. Wat il S. EAST DEREHAM Chas. Cory. EBBW VALE W. Partridge. EGHAM C. I-. Davey. ERITH L. H. Inglis. EYE E. G. Riches. PAKENHAM R. B. Andrews. FISHSUARO W. T. Walters. GLLLINGHAM M. H. Atkins. New Erompton, Kent. GORLESTOX-ON-SEA J. T. Havard. GOSPOlli H.L.Rosser. GRAVE,SLNI) H. E. Wilson. GRAi* F. N. Tonkins. HARLKSWORTH T. M. Thomas. HARLESTOX. J. Hewit.son. HAVFRf ORDWEST W. N. Hyde. HOVE W. Grupeon. tJPi:;Y:iiiP 1 W. !I IPS?ViC? P. E. Rn?her. KING'S LYNN .? G W Page. LAMPETER E. L. Jones. LEIGH-ON-SEA C. N. Nor'h-?x. LEWES T Da vies LIVERPOOL W. Shankland. LLANO I ,0 W. D. Davies. LLANDO V t RY T. J. Williams. LLANDRiNDOO WELLS .D. W. Miller. LLANFLLY JJ Soner LLAXnLOEs. F. M. Williams. LOWrSTOFT W. T. Jary. MACii Y\LLETH D. E. E. Griffith*. MAESTEG J. T. Williams. MAIDSTONE H. H. Moore. Manager. MEETHTR TYDFIL E. Jones MILFORD HAVEN T. W. Price. MOUNTAIN ASH C M. Lew i s. i{fH'i1+.S: G. J; ?FATH .P. It P. Jones. NEWPORT, 2&0N W. D. Jones. NORTH FLEET H. 55. Wilson. V.JRTII WALSHAM H. W. Davies. NORWICH F. J. Chambers. PEMBROKE J. B. Davies. PEMBROKE DOCK H. M. Rice. PEN A E'I'll J. E. Harris. PENTRE R. C. Dyke. PONTYPOOL H. C. Simpeou. PONTYPRIDD J. S. Thomas. PORTH (Rhondda) .—— H. A. Owen. POTITTICAW! J. T. Williams. PORTSMOUTH F. B. B. Rowe. POqT TALBOT E. M. Morgan. RHYL C. S. Sabin. IfflYMNEY A. Price. ROATH 'Cardiff) T. J. Grieson. RHYMNEY W. Phillips. [ ROATH (Cardiff) T. J. Grigson. I ngr\f:Rdi.'). :¡'vçiW& R'iMFORD A. B. Causton. W. T. A. Jonee. ST, C. EARS .1.. P. Jones. SAXTvfUNDTIAM T. H. Thomas. SHEERNESS W. B. Willmot. SOUTHEND-ON-SEA G. P. Veale. STAINES O. E. Davev. STROUD D. J. Williams. SUXNINGDALE. 'T. F. Shaw. SWANSEA D. T. Lewis. Agencies— CLYDACH-ON-TAWE. FFOREKTFACH. CORSESMON. MO R mSTON. FONTARDA WE. PCMTAROULAIS. 3T. HELENS. TE-NBY B. Davies. TJLBLRY DOCKS F. N. Tomlvins. TREDEGAR  W. Pliillirvs. TREGARON ?. J. B. Ki<to. TJSK J. P. Davies. WALTON (LIVERPOOL) W. Shankland. WELLS 1. R. B. Andrews. WESTCLIFF-ON-SEA G. P. Veale. WESTON-SUPER-MARE O. C. Daniel. WATERIDOE F. J. H. Halls. WYMONDHAM Chits. Corv. YARMOUTH (GREAT) J. T. Havard. YSTALYFERA-H. Morgan. Agencies— BRYNAMMAN. CWMLLYNFELL. YSTRADGYNLAIS. THE LONDON AND PROVINCIAL BANK. LIMITED. DRAWING ACCOUNTS are opened upon the term;: usually adopted by ether Bankers. Customers of Branches of the Bank can, by arrangement, domicile their acceptances at Messrs. Glyn and Co.. or at the Head Cjffice of the Bank. Moneys can be paid in at the Head Office» 0:' any of the Branches of the Bank for Customers' credit at any other Office, and arrangements can also be made for their cheques to be cashed. For Customers havi^S business connections in Towns where the Bank lip8 not a Branch, similar arrangements can be made with other Bankers. DEPOSIT ACCOUNTS.—Deposits are received from Customers and others, subiectto short notice of withdrawal, and interest allowed therein ai. such rates and for such Beriods a? may be agreed upon, reference being had to the state of the money market. Dep'?'t Books are issued when required; these are HpeciaUy convenient for ?mall De?o?ifs. THE BANK effects purchases and sale." of British and Foreign Funds, Stocks, Shares and Securities-receives Dividends, etc. Customers may have their Dividends made pay- able to the Bank for the credit of their accounts. THE BANK takes care of Customers' Securities, issuing a printed form of receipt for the "ame i m e. TB i, HANK is prepared to act in any of the following caparities :-Execut.oT of a Will, Trustee of a Will, Executor and Trustee of a Will, Trustee of a Marriage or other Settlement, Custodian Trustee of a Will or Settlement, Trustee of a Trust Deed securing Debentures or Debenture Stock, Trustee for any Public Authority, Institu- tion or Society. Dr-PLfts. Circular Notes, and Letters of Credit are issued or obtained for Customers, and M", ¡I and Telegraphic Transfers are effected, and Foreign Drafts, Coupons, etc., are collected. THE BANK also transacts every other description of Banking Business. Every Officer of the Bank is required to sign a Declaration of Secrecy as to the transactions of any of its Customers. By order of the Directors, J. L. THOMAS, W. CARRUTHERS, Joint General Managers. Balance Sheet of the London & Provincial Bank, Limited, 31st December, 1912. £ s. d. £ s. d. Dr. Capital Subsoribed (2060,00000 .CDO paid 1,000,000 0 0 (200,000 Clo Shares, £5 paid). Reserve i,und:- Invested in the f o lowing Stocks:— £ 1,898,734 3s. 6d. Oonsols. £ 200,000 Guaranteed 21 I p. c., £ 200,000 India 3 p. c., X127,500 Canada 3 p.c., 1100,000 M e tropolitan I Water Board 2,000,000 0 0 ——————— 3,000,000 0 0 Current, Deposit and other Ac- counts 18.321,697 11 11 Profit and Loss :— Balance brought forward 27,759tt Net Proiit for the Year after mak- ing provision for Bad and Doubt- ful Debts and C o n t i ngencies and deducting Rebate OIl Bills not due 254^56 2 1 ——————— 282,316 1 7 SOTF,The Statement of Lia- bilities does not include the Bank's Guarantee of X44,643 Os. Od. to the Yorkshire Penny Bank, Ltd., which, in aè- cordance with the arrange- ment publioly announced in Aug-up" 1911. the Bank, in conjunction with the Bank of England and other Banks, entered into. £ 21,604,013 13 6 s. d. ,E s. d. Cr. Cash:- At Head OSice, Akr;tcs O Agents 2,755,525 4 7 Call and Short 2,755,525 4 7 Notice 2,400,000 0 0 ———————" 5,155,525 4 7 Vestznent s onsols £ 2,354,700 tfs. 2d. (includ- ing £ 123, £ >96 Os. 7d. lodged as security for Public A c- oount?)  1,862,714 6 5 Guaranteed 2? per cent. Stock, Trans- vaal Loan, India S:ock, and British Colonial Gov- ernment Bonds aod Inscribed Stocks 912,341 2 1 London County Council, Metro- politan Con- solidated Cor- poration of London, Metro politan Water Board, and Liverpool and Man c h est cr Cor par ation Stocks 477,398 18 11 English Railway Debenture and Preference S, Ochs, East Indian Railway G u a r a n teed Stocks, French Rentes, Gov- ernment Bonds of United States of America, Ger- many, Prussia. Holland, and other Securities 1,657,617 4 8 Loans, Advances, 4,910,071 12 1 Bills Discounted, p et? 11,280,590 16 2 Premises Free- hold and Lease- hold 257,826 0 8 (As reduced by amounts from time to time written off.) £ 21,604,013 13 6 Profit and Loss Account for the year ended 31st December, 1912. £ e. d. Current Expenses 306,067 12 10 Interest 238,174 3 8 Interim Dividend paid in July last, at 19 per cent. per annum, lees In- come Tax R,71,566 1J 4 Dividend at 19 per oent. per annum, less Income Tax. for 6 months on the Old Shares and 3 months on the New Shares. 80,512 10 0 To write down Con- sols to 76 and the other Invest- ments below mar- ket value 100,000 0 0 8a,lanee carried for- ward 30,236 18 3 —————- 282,316 1 7 L826,557 18 1, £ L d. Balance of last Profit and Loss £ IL d. Account 27,75919 6 Grow Profit for Year,after making provision for Bad and Doubtful Debts and Contin- gencies, and deducting Re- bate on Bills not due 798,797 18 7 S,826,557 18 1 Balance Sheet signed on behalf of the Board, F. G. BANBURY. ALFRED GILBEY. Directors. REPDRT OF THE AUDITORS TO THE SHAREHOLDERS OF THE LONDON AND PROVINCIAL BANK. LIMITED. We have audited the above Balance Si-leet with the Books at the Head Office, and the certified Returns from the several Branches. We have obtained all the information and explanations we have required. The Premises, owing to the amounts written off from time to time, stand, we believe, at far less than their value, and the flttinss and furniture have been wholly written off. The provision for Bad and Doubtful Debts and Contingencies largely exceeds the amount estimated to be at present required. The OBcers Pension and Gratuity Fund, amounting to £ 200.000 0- Od.. is included in the Current Deposit and other Accounts. Subiect to these remarks, in our opinion the Balanep Shpet is properly drawn up 60 as to exhibit a true and correct view of the state of the Company's affairs, according to the be,-t (f our information and the explanations rriven to us, and as shown by the Books of the Company. ERNEST COOPER EDGAR F1GGES (Cooper Brothers & Co)., Audit-ora. Lomiou. 9th January, 191.). 4-<'

I THE SOCIAL GDNS&iEs'iCL

I38 YEARS A PILOT.I

11 --I I -MALE CHOIR CONTESTS.I

I LICENE-ED VICTUALLER'S FAILURE.

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EXPEm?TAL J".... [,n d'#!I1'tJ…

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BADLY DAMAGED.

INEW RAILWAY.

IA SWANSEA PATENT.

[No title]

la THE VVORlD Of SPORT. I-"

TEMPERANCE SENTIENT.

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