The New York Herald Newspaper, October 5, 1878, Page 7

| THE GLASGOW CRASH. Criminal Bank Mismanagement That Led to Ruin. KITE-FLYING BY MILLIONS. Money Lent on Phantom Securities—A Directors’ “Ring.” weet THE SUFFERING SHAREHOLDERS. No Panic Yet, but Grave Anxiety—The Consequent Failures. ROTTEN FOR YEARS. Ramifications of the Disaster in London and India AMERICAN = BUSINESS «= UNCONCERNED. a (BY CABLE TO THE HEBALD.] Grasaow, Oct. 4, 1878. The excitement has considerably abated over the failure of the City of Glasgow Bank, although much painful anxiety exists in financial circles here. Further developments are expected which are at present unap- parent and complications have arisen in- volving many houses whose fate is in- evitable. estimate accurately the full range of the dis- It is impossible, therefore, to aster. Many damaging rumors continue to circulate about the fatal mismanagement of the bank, which are eagerly discussed by depositors and shareholders alike, for each are equally interested—the former in the fear the deficit cannot be made good and the lat- ter because of their full legal liability for the difference between assets and liabilities, THE SHAREHOLDERS. An analysis of the list of sharcholders of the broken bank shows 323 ladies and 831 gentlemen. The holders of sufficient stock to qualify them to be directors are divided as follows:—Bankers, 185 bank officials, 16; solicitors and writers, 43; ministers, 35; widows, 46; teachers, 34; papermakers, 7; manufactur- ers, 9; merchants, 19; tradesmen, 82 ; doc- tors, 82 ; insurance agents and factors, 22 ; farmers, 47; executors, 24; trustees, 78; other professions, 37; not stated, 335. Al- most the whole of the shareholders reside in Scotland. In Glasgow 267; in Edinburgh, 193. .The remainder of the total of 1,249 are scattered all over the country. The liability of the share- holders is unlimited and heavy calls are shortly expected. An assessment of £150 ($750) to £200 ($1,000) for every share of £100 ($500) is considercd probable. It is esti- mated that over sixty per cent of the share- holders can respond to these calls, although an estimate of the damage is at present im- possible. there are INCIDENTS OF THE chasa. Some idea of the widespread feeling of insecurity and the unsettled relations of capital and labor may be formed from the fact that several builders have paid off their men ; one builder, a shareholder, having dis- missed all his employés on learning that the bank had gone under. Regarding the shipbuilders, one firm has failed. The Glasgow stock and iron markets opened dull to-day, but improved. Among the incidents of the failure the are reported:—At Inverness the agents of the bank had not received orders to stop payment until £15,000 ($75,000) had been withdrawn by depositors. At another place the post- master withheld the telegram ordering the slosing of the local branch office of the pank until his friends and relatives had withdrawn their deposits. All telegraph business in the United Kingdom, it may be recalled to American readers, is under the charge of the postal authorities, BAD DIRECTORS, minor following Serious charges are advanced against the directors. is free from the charge of borrowing large sums of money from the bank and using the position for their own ends—an entire departure from the legitimate banking principles for which Scotiond has long been celebrated. Tho statement has been openly made on 'Change to-day that certain ex. directors, ex-officials, their relatives and friends to the number of a dozen or so, are indebted tothe bank upward of six millions sterling ($30,000,000). It is hoped thata judicious liquidation of the wrecked insti- tution may mitigate in some degree the losses of the unfortunate stockholders, INTERESTED EXAMINERS, Much surprise and incredulity exist at the appointment of Dr. Macgregor and Mr. Anderson to examine the accounts of the bank, both being officially connected with a company largely indebted to the fallen concern, It is said that only one director THE HELPING HAND, The action taken by the other banks in accommodating the broken bank by taking the notes and circulation, and their ar- NEW YORK HERALD, SATURDAY, solder for making the deposits com- mercially available has tended to mitigate the disaster, but considerable uneasiness prevails respecting future revelations. FAILURES PRESENT AND TO COME. Shipbuilding interests are certainly seri- ously affected. W. Simons & Co., of Ren- frew, have failed, and it is feared that other firms will speedily follow. It is not consid- ered likely that the trades unions’ funds will suffer nor that strikes will ensue, but doubtless there will be several local fail- ures. Potter, Wilson & Co., shipowners | and colonial merchants, are reported failed. Their liabilities are estimated at $3,000,000. Potter is a director and shareholder. There is no real panic here yet; the clannish action of the other banks has averted it, FROM CONFIDENCE TO BITTERNESS, The fact that immediately before the stoppage the shares of the bank were quoted at 236, public feeling against the directors who threw the de- positors’ money into the hands of a few persons, and then resorted to a system of acceptances on a large scale. recklessness in dealing with resources to the manipulation of accounts,” says the Scotsman, ‘‘is a short and easy step.” illustrates forcibly the in the bank, The correspondingly bitter confidence is now “From A BANK HISTORY OF CRIMINAL ADVENTURES, MAD SPECULATIONS WITH OTHER PEOPLE'S MONRY, A STRANGE CHANGE OF STOCKHOLD- ERS, CONSEQUENCES AND OPINIONS, [px ‘caning TO THE BrRaLv.} Lonpon, Oct. 4, 1878. In the city yesterday for o short time fears were entertained that we about to experience a panic which would form an unwelcome parallel to “Black Friday” of disastrous mem- ory. This feeling, however, quickly subsided on learning the full facts con- nected with the failure of the.City of Glas- gow Bank. The ramifications of the bank are chiefly concerned in Scotch local and East Indian affairs. I have spoken with several prominent English and American bankers this morning. I transmit the fol- lowing as a summary of their views:— A BISTORY OF ADVENTURES. The history of the City of Glasgow Bank is that of a series of criminal adventures. The managers allowed a set of adventurers, several of them related to the directors of the bank, to become their masters, a domi- relation which they maintained The books and balance long, apparently, been falsified, as three months ago the bank only accounted £1,800,000 ($9,000,000) in acceptances, whereas they are now shown to be £3,000,000 ($15,000,000). A few houses had unlimited credit with the bank, yet these houses were known to be unsound for years. First among them were nant for years. sheet have for was that of Smith, Fleming & Co., East India merchants, of Lead. enhall street, with £160,000 ($800,000) ond a cash credit; next a Scotch cattle breeder, who had earlier been an East India merchant, with acceptances to the tune of £1,300,000 ($6,500,000) taken by the bank; two other houses in Glasgow owe between them £3,000,000 ($15,000,000). The liability of these four houses alone, it will be seen, amount to over £6,000,000 ($30,000,000). No doubt is entertained of the criminality of the management, THE ‘‘cCITY” FOREWARNED For several years, in London city financial circles, the Glasgow Bank has been con- sidered unsound, and Indian banks took its paper to only a very limited amount. At a lately held meeting of the managers of the first French banks which have branches in India the precarious condition of the Glasgow Bank was clearly known, WILD INVESTMENTS, The securities upon which the collapsed institution risky. Among these are securities upon land in the far West of America and in Australia, on cattle in South America ranging the pampas, on pig iron and steel at the full value of four years ago—namely, 160 shillings ($40) per ton, of which the market selling price has been 49 shillings ($12 25) per ton and lower. Without any further margin the liqui- dation will be bad. Four million pounds ($20,000,000) are absolutely lost and swal- lowed up in the difference of value in the pledged securities, POOR SHABRMOLDERS. The shareholders, with the exception of the Caledonian Bank and the Duke of Suth- erland, are not wealthy, and thero is the usual proportion of clergymen, widows and spinsters, The Caledonian Bank be- came the proprietors of four shares because it advanced to a customer on them, and had the shares transferred for safety. NO AMERICAN LOssxs, The American trade will hardly be affected much, most of the bank’s transactions being with East India and Australia, American bankers hold no paper of the bank nor of Smith, Fleming & Co. Another question is whether or not great embarrassment will result in the iron trade of Scotland, as several houses there are nected with the Flemings, whose metal trade in India is iarge; but jn this case America would be debtor, lent money were incredibly con- very flat in consequence of the failure, many firms selling stocks largely to strengthen the balances at the banks pro- viding against possible returned bills. All securities are considerably lower, except United States, which remain firm, the banks taking them more freely and with less margin than Indian stocks even. A OANNY ABBANGEMENT. No trust funds of considerable amount are concerned in the crash, The managers and directors of savings banks as well as other influential people in Scotland Jong foreboded the fate of the Glasgow Bank. Within a few years the entire list of shareholders has changed. Where- as formerly rich merchants were among the proprietors, there does not now appear a single great Scotch financial name on the list. This change took place some years ago. The difficulties of the bank appear to have been tided over at that time in order that a year might elapse without a crash, thus relieving the great proprietors from being called on as unlimited share- holders, under the provisions of the law, to pay the losses. CONSEQUENCES, Nicoll & Co., of Bombay, a branch of the Flemings, is known to have drawn largely on other London firms, and there is great suspicion about the solvency of some of these. As far as the Caledonian Bank is concerned it remains to be proved whether they hold their shares in trust and whether the transfer was purely formal. In conse- quence of the failure, pig iron warrants sold yesterday for 43s. 6d. ($10 84), the lowest price in the past thirty years. GRIM CONSOLATION. It is not probable that a crisis or panic similar to those in 1857 and 1866 will result, but several firms in London and Glasgow will suspend, and perhaps a bank in Lan- cashire. The Financier suys:— A-consolatory point is that, although the figures are large, the whole business affected seems to have been travelling inacircle. A widespread system of unsubstantial credit based upon paper is about to be disclosed. It is morally certain that all the firms con- cerned in this sort of circular bill flying must succumb. One house, located in Scotland and Australia, is concerned in this paper to the extent of $5,000,000 ; one doing business in Scotland and the East, $2,500,000. One located in India owes the bank $8,000,000 for acceptances and $3,500,000 tor cash advances. ‘Three other affiliated Indian houses aggregate the in- debtedness of $6,250,000. WHERE IT WILL HIT. The Financier estimates that the share- holders of the City of Glasgow Bank must meet a deficit of $20,000,000, Al- though the failure will rank among the most disastrous on record, the bulk of the loss falls upon this circle of paper-flying houses, and, of course, the Scotch share- holders will suffer terribly. SMITH, FLEMING & CO.’8 FAILURT. The total of the liabilities of Messrs, Smith, Fleming & Company, East India merchants, London, whose failure was an- nounced yesterday, is estimated at over $10,000,000. The liabilities of their corre- sponding firms which fail with them— William Nicol & Company, of Bombay, and Fleming & Company, of Kurrachee— are doubtless considerably less. It is un- derstood, however, that in consequence of exchanges of paper between the City of Glasgow Bank and the Indian houses the same set of liabilities will be found re- peated in the balance sheets of all these failed establishments. THE ‘‘TIMES” ON THE FAILURE, The Times, in its financial article this morning, says:— The revelation of these farther details is accompanied with no fresh signs of disturbance in the money market, and a calmer feeling, if anything, prevails, That the condition of the city should be the same as if nothing had happened is not to be expected, but beyond a little diffi- culty in dealing in some public securities, which as a rule are readily negotiable, noth- ing unusnal has occurred. Money is in rather more demand, and about four and a half per cent is obtainable for the best three months’ remitted bills. A call for Bank of England notes by bankers and others made the bank return worse in its propor- ti... of liabilities to reserve by nearly nine per cent than would otherwise have been the case, and the reserve has fallen about £1,500,000, owing to the withdrawal, be- sides notes, of some gold for currency pur- poses. ENGLISH BANK MANAGEMENT. (From the SheMold Telegraph. } Some extraordinary rev: lons were made Sep- tember 19 at a meeting of the sbarehoiders ot Chesterfield and North Derbyshire Banking Compal Angel Hotei, Chesterfield, to of the position of the bank, showing that it had lost of 1ts paid up capital, and probably more, he whole of its reserve ome TT late mavager Of the bank was indebted to um of £6,000 ($30,000), and the Searborou, there Company, of woreh he was managing director, to the extent of £26,000 ($130,000). 1t was further mentioned that the interest on the last named sum bad been by the sum owing by the brewery company had it equally astor yew Increased, Other disciosur ing the a ton the meetin; THE PRESIDENT’S BIRTHDAY. Wasarnaron, Oot. 4, 1878. To-day was th: of President Hayes, bat th Business wes transacted ond after the Cavines bus summer ‘hite House as usaal, Prostdent drove to ver’s Home, and not creditor. The Stock Fine is _OCTOBER 5, 1878,—TRIPLE SHEET. DUTCH HARDDRAVERIJEN. THE SECOND DAY'S RACES IN PARIS—GREAT INTEREST MANIFESTED—NOTABLE PERSONS PRESENT. (BY CABLE TO THE H“R\LD,] Pant:, Oct. 4, 1878, The Dutch trotting races at the Bois de Bonlogne to-day were witnessed by a mul- titude of people, President MacMahon, ex-President Grant and General Noyes were present to witness thecurious races. All the sporting celebrities of France were also on the ground. in harness, eight horses starting, as on Tuesday last. . A CHOICE BIT OF THE ANTIQUE. The sulkies used were antique and heavy, resembling sleighs on wheels more than any other modern vehicle, and averaging in ‘The races to-day were trotted weight over three hundred pounds. In- deed, those curious vehicles of the seventeenth century seen in the Museum de Cluny, on the Boulevard Saint-Michel. were great, burly fellows, averaging one hundred and eighty pounds. HOW THE HEATS WERE TROTTED, The races were arranged in pairs as on the first day, the winner having to carry off The best time made on the quarter mile course was at the rate of 2m. 55s, to the mile. THE TOUGHEST HORSES, The winner of the first prize ‘for three- year-olds” second prize was won by the bay mare Wil- helmina. Both of the above horses were from Amsterdam. Great honors were be- stowed upon the winning horses. Speeches were made, bouquets were thrown, and the healths of horses and owners were drunk in champagne. they were the exact prototypes of The drivers the honors in six separate heats, was the mare Princess. The A SUCCESSFUL NOVELTY TO PARI. These Dutch horses seem to be natural trotters, and owe nothing tothe skill of their drivers, all being handled with loose reins. The harddraverijen has proved a great novelty. SARCASM FROM BALTIMORE, [From the Baltimore Sun, Oct. 3.) The Naw York Hxraup on Sunday printed in the original Chinese the text and signatures ot the Em- peror of China’s letter accredit bin Lan Pin and Yung Wing tothe Prosident of the United states as bis ambassadors. The letter in this sbape looks so much like one of our modern political platforme— you may read it apy way you please and make the same sense out of it—that we recommend the Heratp to lend its font of Chu characters to some politicians for use during the present campaign HOTEL ARRIVALS, Judges Charles J. Folger aud Char'es Andrews, of the New York Court of Appouls, are at the Fifth Ave- nue. Mme. K. Gerster, Miss Minnie Hauk and Judge Jostah G, Abbott, of Maseachusetts, are at tho Ciar- ondon. Ex-Senator B. F. Rice, of Arkansas; ex-Gov- ernor J. B, Page, ef Vermont, and C. H. Northam, of Hartford, are at the St Nicholas Colonel J. H. Mapleson, Signor Ca: nin! Signor Foll and Samuel Brooks, of the steamship City of Ches! atthe Everett. Major General S. P. Helnizelman, United States Army, 18 at the Sturtevant, Senator J, R. McPherson, of New Jersey, and Paymester Thomas T. Casweil, United States Navy, at the Gilsey, Ex-Governor Neison Dingley, Jr., of Maine, and Warner Miller, of Herkimer, N. ¥., are at the Hoff- man. Hoory Probasco, of Cincinnati, and Henry C, Potter, General Manager of the Flint and Pero Mar- Railway, are at the Windsor. Houstoun of Savannab, andGeoera! Don Carlos Buell are atthe New York. R. M. Pulsifer and E. B. Has- kell, of Boston, are at the Brevoort, Captain William Prince, of the Ordnance Dopartment, United States Army,i 8 at the Metropolitan. THE WEEKLY HERALD. ONE DOLLAR PER YEAR—POSTAGE FREE, THE CHEAPEST AND BEST NEWSPAPER IN THE WORLD —NOW READY. The Weextr Heravp for this week contains tole- and Democratic State Conv Btate Democrats; Pennsylvania Politics; Virginia Finances; Blighting the South; Aretic Explorations; the Adolppi Explosion other Startling Detaleatior Str Poisoning Ci Fight with the Cheyen: Mary Murder; Unprece: in Connectic he Staten Isiand Mystery; Miss Conners’ Fate; Billings’ Murder Trial; Jastly Doomed; a Georgia Tragedy; An Awfal Puo- ishment; a select stor: ntuled “Two Years Jost,” a sermen by Stanley, It also contains editorial ticles: u Prominent topics of the day; Personal Intelligence; Amusements; Re- Itgrous, Literary, Art and Sea Notes; Reviews o: the Dry Goods, Horse, Cattle and Produce Markets; Finan- cialand Commerciat Reports; Agr.culturai ana Sporte ing Matters structive articies for the ladies, and the most important events of the weok. Tenus —One dollar per year, postage paid; single copies, three cents. An extra copy will bo sent to ten or more, FRAGRANT (T SOZODONT. 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PHAURANT FL farved a: boon apolse for tho toot and vrewtl. paration hax been analyz> emisiry (Ur. Attiield), and that be finus it to redient in the jo ceeth, out it re Aud Keeps the mouth fresh and agreeable, Thi grant preparation has also anotbec charm—it te lor 4 fow drops spriuxled upon & wet tovthbrw for one vpecation, It ought to vecome immensely popu- i. #18 SOLD BY & CO., Boston. \ a 0 fs tt rae ¥RBENC Ay KI Megs & OV., PI delp hia. L MES AND DEALERS LS K& WORLD. CG ALLUP, NO. 408 OX promuisi—ws THE TH-TH AND BRcATh, White and lovely Teeth, a teeth are white and beautifal Tr keeps them so Intact AL tuey Ti bvinits thelt wrbitences backs Aud by its use what good effects Are i Thus hi ure! ly to be seen! c moral pratte FLOKILINED* Ono trial’s proof conclusive quite, ‘That vy ite constant use The very best effeets ariso That seieuce can produce, It is the tlk -{ every one, An atlabroroimg tems? tas flowers, ed sf Tue conic oo. ie w The “FRAG ‘ANT wun mty Amid the charms which mature gives “the teeth precedence cial : Aud to preserve their pearly hue Prioaiiine -FOR TUE TEETH AND BKEAT Sbristl oh meaning. mor cucious and agrevable preparation tor the teeth, "Those who once begia to use it will certainly never willingly . Jones, the eminent dentist, of Ne. 57 Great dun, in his valuable little book ou Dentissey, ts good Gentifrice is aino meen and romuving tt liqua vey ail seep ix sold GALLUP, 405 OXFORD Sr. AND s0LvD ts BAL IIMORS BY THOMSEN & MUTE, WAL. 1. BROWS & GRO. VOGELER, SUN & C STH H. ANCE frrouiuine-vox THE TEGTH AND BREATH, Sweet us the ambrosial att, LOADUS, ENGLAND, bursting ort, ehiy laden 6 WRAGKANT FLURILINE.” fairy's vower ch tlower;, bi trace All that ean veauty add aud graco— KANT FULORILE Trequentiy asked to roe: g cannot do "bet ee ORILIN 1 AND BKEATHH ve SOLD WiLsKEV ER tite abten LASGUAG! is SPOKEN, BUT ONLY PKEPARKD BY HM NRY GALLUP, 498 OXPORY RT, LONDON, ENGLAND posse FOR THK TEKH AND BRMATH, What boautities i Testh, prose VINE-FOR THB TERTH AND jew drops of the liquia “ ‘wet woth oughly elo AGHAST PLOREL and tw ind partiouiariy horoagbly fm ned Pungeakt FLORAL tet monn” ‘Too Fideiline is a6 torgent bear wed)