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Full text of "Twenty Second Massachusetts Fire"

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PUBLIC DOCUMENT No. 9. 



TWENTY-SECOND 

ANNUAL REPORT 

OF THE 

■ 

Insurance Commissioner 



OF THE 



Comm0n:foraItjr of Utassatjju&eils, 



Jascaei 1, 1877. 



< ' r * • 

■ ■ ■ 



Part I. 

Fire and Marine Insurance. 



BOSTON: 

ALBERT J. WRIGHT, STATE PRINTER, 
79 Milk Street (corner of Federal). 

1877. 

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TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, ' v 

Companies Admitted, vi 

Companies Withdrawn, vi 

New Companies, vii 

Companies voluntarily closing up, vii 

Business of 1876, viii 

Massachusetts Mutual Fire Insurance Companies viii 

Comparative Table A, viii 

Massachusetts Mutual Marine and Fire-Marine Insurance Companies, . ix 

Comparative Table B, ix 

Massachusetts Joint-Stock Insurance Companies ix, x 

Comparative Table C ix, x 

Insurance Companies of other States, x 

Comparative Table D, x 

United States Branches of Foreign Insurance Companies, .... xi 

Comparative Table E, xi 

Massachusetts Business, xi 

Comparative Table F, . . . . xi 

Comparative ratios xi 

Massachusetts Receiverships, xii 

Statistical Tabulations, xxi 

Massachusetts Mutual Fire Insurance Companies, xxii 

Table I. — Risks, assets, liabilities and surplus, xxii 

Table II.— Gross cash income and expenditures, premiums, losses and expenses, . xxvi 

Massachusetts Mutual Marine and Fire-Marine Insurance Companies, . xxx 

Table III. — Guarantee fund, scrip, risks, assets, liabilities and surplus, . . . xxx 

Table IV. — Gross cash income and expenditures, premiums, losses and expenses, . xxxi 

Massachusetts Joint-Stock Insurance Companies, . . ... . . xxxii 

Table V. — Cash capital, risks, assets, liabilities and surplus xxxii 

Table VI. — Risks written, premiums received and losses paid, xxxiv 

Table VII. — Gross cash income and expenditures, expenses and dividends, . . xxxvi 

Insurance Companies of other States xxxviii 

Table VIII. — Cash capital, risks, assets, liabilities and surplus, xxxviii 

Table IX. — Risks written, premiums received and losses paid, xlv 

Table X. — Gross cash income and expenditures, expenses and dividends, . . . liii 



iv TABLE OF CONTENTS. 

Page 

Foreign Fire Insurance Companies, lxi 

Table XL — Cash capital, risks, assets, liabilities and surplus, lxi 

Table XII.— United States Branches, Ixiii 

Table XIII. — Massachusetts business in detail, lxiv 

Receipts and expenditures of the insurance department, . . . . . . Ixxii 

DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies, . 1 

Massachusetts Mutual Fire Companies with Guarantee Capital, 77 

Massachusetts Mutual Marine and Fire-Marine Companies, 87 

Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, . . . 105 

Fire, Marine and Fire-Marine Insurance Companies of other States, .... 165 

United States Branches of Foreign Companies, . . . , 443 

Steam-Boiler and Plate-Class Insurance Companies, . . . . . . . 467 

Foreign Fire Companies, 475 

List of Agents of insurance companies of other States and foreign countries, with 

amount of business done and tax paid by each, . . 515 

Appendix. 



TWENTY-SECOND ANNUAL EEPOET 



OF THE 



INSURANCE COMMISSIONER. 



PART I. 

FIRE AND MAEINE INSURANCE. 



To the Honorable the Senate and House of Representatives. 

The Insurance Commissioner respectfully presents herewith 
the First Part of the Twenty-Second Annual Report of the 
Insurance Department. 

This volume contains the statements in detail of all the 
Insurance Companies, other than Life and Accident, doing 
business in this Commonwealth on the thirty-first day of 
December, 1876, as rendered to the Commissioner. 

The whole number of such companies, duly authorized to 
transact business in this State, January 1, 1877, was two 
hundred and twenty-five, and may be classified as follows : 
Massachusetts Mutual Fire Insurance Companies, fifty-four 
(of which three have a cash guarantee capital amounting to 
$500,000) ; Massachusetts Mutual Marine and Fire-Marine 
Insurance Companies, nine ; Massachusetts Joint-Stock Fire 
and Marine Insurance Companies, twenty-six ; Fire and 
Marine Insurance Companies of other States, one hundred 
and seventeen ; United States Branches of Foreign Insurance 
Companies, fifteen ; Plate-Glass Insurance Companies, three; 
Steam-Boiler Inspection and Insurance Company, one. 

The following schedules show the companies admitted and 
withdrawn since the publication of the last report : — 



VI 



EEPORT OF THE 



Companies Admitted. 



NAME OF COMPANY. 


Location. 


* . 

Date of Admission. 


Kesolute Fire, 


New York, 


Mar. 


25, 1876. 


Arctic Fire, .... 


. 


New York, 




29, " 


Richmond Fire Association, . 


. 


Richmond, Va., 


Apr. 


19, " 


Philadelphia Fire, . 


• 


Philadelphia, . 


May 


8, " 


Manayunk, . ... 


• 


Philadelphia, . 


June 12, " 


Park Fire, . . 


. 


New York, 


July 


19 " 


Knickerbocker Casualty, 


• 


New York, 




29, " 


Toledo Fire and Marine, 


. 


Toledo, Ohio, . 


Oct. 


12, " 


Trade 


. 


Camden, N. J., 


Nov. 


6, " 


Franklin Fire, 




. 


New York, 




24, " 


New York and Boston, 




. 


New York, 


Dec. 


21, " 


Union, . 




. 


Philadelphia, . 


Feb. 


15, 1877. 


National Fire, 




. 


Baltimore, 


Mar. 


3, " 


Granite, . 




. 


Richmond, Va., 




10, " 


La Caisse Generale, 




• 


Paris, France, . 




10, " 


Commercial Mutual, 




. 


New York, 




91 " 
- 1 *-•> 


Sterling Fire, . 




• 


New York, 


Apr. 


5, " 



Companies Withdrawn. 



NAME OF COMPANY. 


Location. 


Date of Withdrawal. 


Old Dominion, .... 


Richmond, Va., 


Apr. 1, 1876. 


New Jersey F. M. and Inland, 


Camden, N. J., 


May 8, " 


People's, 


Memphis, Tenn., 


July 7, " 


Clay Fire and Marine, . 




Newport, Ky., 


Nov. 3, " 


Sun, 




Cleveland, 0., 


Dec. 15, " 


Franklin, 




Indianapolis, . 


30, " 


Armenia, 




Pittsburg, 


31, " 


Brewers of America, 




Milwaukee, 


31, " 


Teutonia, 




Philadelphia, . 


Jan. 1, 1877. 


Oswego and Onondaga, 




Phenix, N. Y., 


14, " 


Bangor, . . . . 




Bangor, . 


Mar. 3, " 



INSURANCE COMMISSIONER. 



vn 



The name of the " New York and Yonkers " has been 
changed to " New York City." 

New Companies. 
Four Mutual Companies have organized during the year, 
under the general law of the State, and commenced business 
as follows : — 



NAME OF COMPANY. 


Location. 


Commenced Busi- 
ness. 


Home Mutual Fire, 


Boston, . 


May 6, 1876. 


Factory Mutual Fire, 


Boston, . 


Aug. 1, " 


Boot Manuf. Mutual Fire, 


Boston, . . . 


Sept. 1, " 


Northampton Mutual Fire, . 


Northampton, . 


Dec. 30, " 



Companies Closing Up. 

The Companies named in the last report are closing their 
affairs as rapidly as practicable ; nothing of general interest 
has transpired in connection with them. 

The Naumkeag Mutual Fishing Insurance Company of 
Salem has ceased business, having taken no risks during the 
year 1876. 

In January, 1877, the members of the Suffolk Mutual 
Insurance Company of Boston decided to close up the Com- 
pany, and most of the risks were reinsured in the Merchants' 
Insurance Company of New York. Policies of the Merchants' 
having been substituted for those of the Suffolk, the Company 
has few liabilities, and its affairs will be speedily closed. 

An examination of the Globe Insurance Company of Boston 
having developed a considerable impairment of the capital, 
the Directors voted to reinsure the risks, and a contract of 
reinsurance was effected with the Shawmut Insurance Com- 
pany of Boston, the same to take effect at noon on Friday, 
May 11, 1877. The policy-holders being fully protected, the 
future of the Company will be determined by the stock- 
holders. 

In January, 1877, the Builders' Mutual Fire Insurance 



Vlll 



REPORT OF THE 



Company of Boston was found, upon examination, to be in 
an unsound condition, and proceedings were immediately 
instituted for closing it up. The managers made no objec- 
tion, and Receivers were appointed, who have since been 
using their best endeavors to secure, by compromise and con- 
cessions, a speedy settlement of the affairs of the Company. 

Business of 1876. 

The following Comparative Tables exhibit, in condensed 
form, the business of the year : — 



Comparative Table A. — Mass, Mutual Fire Insurance 

Companies. 





1875.* 


1876.f 


Increase or 
Decrease in 1876. 


Assets, . 


$5,628,331 


$5,591,347 


—$36,984 


Liabilities, . 


2,795,959 


2,748,528 


—47,431 


Surplus, . 


2,832,367 


2,845,982 


+13,615 


Income, . 


2,194,998 


2,207,911 


+12,913 


Expenditures, . 


1,761,611 


1,983,687 


+222,076 


Risks written, . 


166,102,515 


169,627,692 


+3,525,177 


Net premiums received, . 


1,870,033 


1,869,826 


—207 


Risks outstanding, . 


390,222,972 


395,487,097 


+5,264,125 


Losses paid, 


593,715 


663,332 


+69,617 


Losses incurred, 


593,054 


624,415 


+31,361 


Assessments collected, 


11,326 


21,367 


+10,041 


Profits returned, 


742,005 


902,138 


+160,133 


Expenses, .... 


389,683 


392,030 


+2,347 



* Fifty-five companies. 



f Fifty-seven companies. 



INSURANCE COMMISSIONER. 



IX 



Comparative Table B. — Mass. Mutual Marine and Fire- 
Marine Insurance Companies. 





1875.* 


1876.* 


Increase or 
Decrease in 1876. 


Cash, guarantee fund, 


$757,200 


$765,200 


+$8,000 


Subscription notes, . 


1,248,700 


1,031,700 


—217,000 


Assets, .... 


4,847,962 


4,651,835 


—196,127 


Liabilities, .... 


1,295,305 


1,120,209 


—175,096 


Surplus, .... 


362,730 


463,455 


-fl00,725 


Income, .... 


1,505,395 


1,381,309 


—124,086 


Expenditures, . 


1,256,079 


1,184,090 


—71,989 


Risks written, . 


72,070,590 


63,494,975 


—8,575,615 


Net premiums received, . 


1,342,333 


1,224,321 


—118,012 


Risks outstanding, . 


49,918,252 


43,495,877 


—6,422,375 


Losses paid, 


697,797 


719,620 


+21,823 


Losses incurred, 


696,475 


708,695 


+12,220 


Expenses, .... 


177,287 


174,396 


—2,891 


Scrip dividends declared, . 


291,323 


276,583 


—14,740 


Scrip redeemed, 


135,940 


115,310 


—20,630 


Scrip outstanding, . 


1,184,028 


1,341,819 


+157,791 



* Seven companies. 



Comparative Table C. — Mass. Joint-Stock Insurance Com- 
panies. 





1875.* 


1876.* 


Increase or 
Decrease in 1876. 


Cash capital, 


$6,567,000 


$7,017,000 


+$450,000f 


Assets, 


12,033,870 


13,244,355 


+1,210,485 


Liabilities, .... 


3,386,562 


3,715,224 


+328,662 



* Twenty-six companies. 

t Boston Marine, $200,000; Springfield Fire and Marine, $150,000; Washington, $100,000. 

6 



REPORT OF THE 



Comparative Table C—Mass. Joint- Stock Insurance Com- 
panies — Concluded. 





1875. 


1876. 


Increase or 
Decrease in 1876. 


Surplus, . 


$8,647,308 


$9,529,129 


+$881,821 


Income, . 


4,448,914 


4,831,400 


+382,486 


Expenditures, . 


3,529,506 


3,771,166 


+241,660 


Risks written, . 


324,649,134 


364,343,532 


+39,694,398 


Net premiums received, . 


3,906,161 


4,817,233 


+911,072 


Risks outstanding, . 


291,499,188 


323,459,921 


+31,960,733 


Losses paid, 


2,033,643 


2,023,899 


—9,744 


Losses incurred, 


2,126,750 


2,238,048 


+111,298 


Expenses, . 


1,025,267 


1,254,574 


+229,307 


Dividends declared, . 


586,250 


768,800 


+182,550 



Comparative Table D. — Fire and Marine Insurance Com- 
panies of other States. 



1875.* 



1876.* 



Increase or 
Decrease in 1876. 



Cash Capital, 

Assets, 

Liabilities, . 

Income, 

Expenditures, 

Fire risks written, 

Net premiums received 
thereon, . 

Marine risks written, 

Net premiums received 
thereon, . 

Fire losses paid, 

Marine or Inland losses 
paid, 

Dividends paid, 

Expenses, . 



$40,223,051 

113,780,657 

37,439,171 

58,381,508 

49,170,820 

4,017,723,295 

40,483,989 
1,064,061,171 

11,866,618 
20,194,787 

7,172,861 

5,213,315 

15,481,359 



$42,076,225 

117,551,275 

36,313,447 

53,012,773 

46,524,792 

3,824,803,150 

36,523,489 
964,526,667 

10,417,462 
18,870,056 

5,842,103 

5,778,136 

14,057,434 



+$1,853,174 
+3,770,618 
—1,125,724 
—5,368,735 
—2,646,028 
—192,920,145 

—3,960,500 
—99,534,504 

—1,449,156 
—1,324,731 

—1,330,758 

+564,821 

—1,423,925 



* One hundred and seventeen Companies. 



INSUEANCE COMMISSIONED 



XI 



Comparative Table E. — U. S. Branches of Foreign Com- 
panies. 

[Fire business only.] 





1875.* 


1876.f 


Increase or 
Decrease in 1876. 


Assets in U, S., . 


116,104,778 


$17,350,338 


+$1,245,560 


Liabilities in U.. S., . 


7,172,544 


7,285,683 


+113,139 


Income, . . 


11,281,047 


10,919,412 


—361,635 


Expenditures, . 


7,778,426 


8,136,334 


+357,908 


Risks written, . 


1,124,116,634 


1,135,388,303 


+11,271,669 


Net premiums received, . 


10,654,425 


10,240,881 


—413,544 


Losses paid, 


4,409,659 


4,826,759 


+417,100 


Losses incurred, 


. 4,404,905 


4,826,759 


+421,854 


Expenses, . 


3,264,408 


3,203,117 


—61,291 



* Fourteen Companies. f Fifteen Companies. 

Comparative Table F. — Massachusetts Business. 









Increase or 




1875. 


1876. 


Decrease in 1876. 


Fire risks written, 


$597,478,409 


$528,211,058 


—$69,267,351 


Fire premiums received, . 


7,232,486 


5,974,268 


—1,258,218 


Fire losses paid, 


3,222,493 


2,764,516 


—457,977 


Fire losses incurred, . 


3,221,943 


2,738,180 


—483,763 


Marine risks written, 


200,104,088 


174,267,727 


—25,836,361 


Marine premiums rec'd, . 


3,508,189 


3,093,074 


—415,115 


Marine losses paid, . 


2,114,574 


1,974,050 


—140,524 


Marine losses incurred, 


2,127,643 


2,085,581 


—42,062 



Comparative Ratios. 





1875. 


1876. 


Increase or Decrease in 1876. 


Fire premiums received to 








risks written, . 


1.21 


1.13 


— .08 or 6.6 per cent. 


Fire losses incurred to 








risks written, . 


.54 


.52 


— .02 or 3.8 


Fire losses incurred to 








premiums received, 


44.5 


45.8 


+1.3 or 2.9 


Marine premiums received 








to risks written, 


1.75 


1.77 


+ .02 or 1.1 


Marine losses incurred to 








risks written, . 


1.06 


1.20 


+ .14 or 14 


Marine losses incurred to 








premiums received, 


60.6 


67.4 


+6.8 or 11 



xii REPORT OF THE 

The preceding Tables show a continued decrease in the 
volume of business and the premium rate. How long this 
state of things can continue without disaster to many com- 
panies, remains to be determined. The business is consider- 
ably demoralized, and the situation is such as to demand the 
utmost vigilance and promptness on the part of those in- 
trusted with the supervision of insurance corporations. 

Receiverships. 

In accordance with the provisions of Chapter 83 of the 
Acts of 1876, the accounts of all Receivers of Insurance Com- 
panies have been examined during the year. The following 
are the results : — 

Boston Insurance Company. 

Cash in hands of receivers, December 20, 1873, . . . $161,848 90 
Collected since that date, 51 35 



$161,900 25 



Disbursed under decrees of the court, $161,789 53 

Balance in hands of the receivers, 110 72 



$161,900 25 



Of the balance stated, $16.17 is held to pay dividends on return premiums, 
when called for. 



Boylston Fire and Marine Insurance Company. 

Cash in hands of receivers, March 6, 1875, .... $156,06090 
Collected since that date, 1,555 08 



$157,615 98 



Disbursed under decrees of the court, $156,776 68 

Balance to be retained by receivers, as per decree, . . 839 30 

$157,615 98 

Since the above examination was made, the affairs of the company 
have been closed, and the receivers discharged. 

Bay State Fire Insurance Company. 

Cash in hands of receivers, December 4, 1873, '. . . $198,801 17 
Collected since that date, 15,230 69 

$214,031 86 



INSURANCE COMMISSIONER. xiii 

Disbursed under decrees of the court, $213,584 82 

Balance in hands of receivers, 447 04 



$214,031 86 

Of the balance stated, $196.45 is to be retained by the receivers, in 
accordance with the terms of a decree. The amount then remaining in 
their hands, $250.59, is held to honor checks which have been made out 
but not yet called for. 

Boot and Shoe Manufacturers' Mutual Insurance Company. 
Cash in hands of receivers, February 4, 1876, . . . $13,256 51 

A decree of the court, dated March 18, 1876, orders the receivers to 
repay the members of said company who have paid in full their assess- 
ments and deposit notes, with interest thereon, twelve per cent. 

Exchange Insurance Company. 
Cash in hands of receivers, September, 1873, . . . $73,476 66 

Disbursed under decrees of the court, $72,749 56 

Cash balance in hands of receivers, 727 10 



$73,476 QQ 



Of the balance stated, a small amount is held to pay a dividend on a 
loss, when the parties interested settle a suit among themselves ; and a 
few dividends on return premiums when the same are called for. Any 
amount that then remains is to be retained by the receivers, in accordance 
with the terms of the decree. 

Franklin Insurance Company. 

Cash in hands of receivers, June 8, 1875, .... $40,23766 
Collected since that date, 40,830 11 



$81,067 77 

Disbursed under decrees of the court, ...... f 6,237 47 

Cash balance in hands of receivers, 74,830 30 



$81,067 77 

The receivers hold, in addition to above, assets valued at $27,229 22 

The Jackson Defalcation. — A deficiency exists in the assets of this 
company, amounting to $33,450 and interest ; that amount having been 
appropriated by Abraham Jackson, formerly one of the receivers, to his 
own use ; and the former receivers, Abraham Jackson, William Byrnes 
and Jacob C. Rogers, have been charged jointly for this deficiency by a 
decree of the court, and will be required to pay it into the hands of the 
present receivers for distribution to the creditors of the company. Since 
the examination was made, the receivers have begun the payment of 
another dividend. 



xiv REPORT OF THE 

Firemen's Insurance Company. 
Cash in hands of receivers, Nov. 1, 1873, .... $237,435 34 
Collected since that date, . . . ... . . 5,347 46 



$242,782 80 



Disbursed under decrees of the court, $241,765 36 

Balance in hands of receivers, 1,017 44 



$242,782 80 



Of the balance stated, $314.42 is held to pay dividends on return pre- 
miums, when called for by creditors.* 

Hamilton Mutual Insurance Company. 

Balance brought forward from former account, . . . $7,102 20 
Collected since July 1, 1865, . . . . . . . 1,882 02 



$8,984 22 

Disbursed under decrees of the court, $8,763 83 

Balance in hands of receivers, ...... 220 39 



$8,984 22 

Since the date of above examination, the affairs of this company have 
been closed, and the receivers discharged. 



Home Mutual Insurance Company. 

The receiver, in his report to the court, stated that no assets, other than 
some accounts against agents, ever came into his hands. The accounts 
he has been unable to collect ; various charges for advertising, court fees, 
etc., have been paid from his private funds. The affairs of the company 
have been closed, and the receiver discharged. 

Howard Fire Insurance Company. 
Cash in the hands of the receivers, April 13, 1874, . . $107,587 16 

Disbursed under decrees of the court, $104,930 62 

Balance, 2,656 54 



$107,587 16 



The balance is held to pay dividends on return premiums, when called 
for. The receivers have deposited the amount with the Hide and Leather 
Bank, together with the books of the company, and payment is made to 
creditors at that place. 

* Since closed by final decree. 



INSURANCE C0MMISSl6NER. xv 

Hide and Leather Insurance Company. 

Cash in hands of receivers, Dec. 15, 1875, .... $32,522 44 

Disbursed under decrees of the court, $32,420 65 

Balance in hands of receivers, 101 79 



$32,522 44 

The balance, stated is held to pay dividends on return premiums, when 
called for. 

Mutual Benefit Fire Insurance Company. 
Cash in hands of receivers, Nov. 1, 1&75, .... $46,871 44 
Disbursed under decrees of the court, $46,871 44 

Since the above examination was made, the affairs of the company 
have been closed, and the receivers discharged. 

Mechanics'' Mutual Fire Insurance Company. 
Total receipts to November 21, 1876, $1,630,630 91 

Disbursed under orders of the court, $1,386,616 29 

Balance in hands of receivers, 244,014 62 



$1,630,630 91 
By a decree of the court, the receivers are directed to return the sur- 
plus to the members assessed. 

Massachusetts Mutual Fire Insurance Company. 

Cash in hands of receivers, January 15, 1876, . . . $112,249 43 
Collected since that date, 756 39 



$113,005 82 

Disbursed under decrees of the court, $113,005 82 

Since the examination was made of above account, the affairs of the 
company have been closed, and the receivers discharged. 

Merchants' 1 Insurance Company. 
Cash in hands of receivers, January, 1875, . . . $236,712 23 

Disbursed under decrees of the court, $235,457 97 

Balance in hands of receivers, 1,254 26 



|236,712 23 
The balance stated is held to pay dividends on return premiums upon 
demand being made for same. 

Manufacturers' 1 Insurance Company. 
Cash in hands of receivers, June 30, 1874, .... $149,606 99 
Disbursed under decrees of the court, $149,606 99 

The receivers hold some "Alabama Claims," subject to such disposition 
as the court may direct. 



xvi *KEPORT OF THE 

Monitor Mutual Fire Insurance Company. 
Cash iu hands of receiver, April 11, 1876, .... $2,545 64 
Collected since that date, 91 05 



$2,636 69 

Disbursed under decrees of the court, $2,069 58 

Balance in hands of receiver, ...... 567 11 



$2,636 69 

Since the examination was made of the above account, the receiver has 
paid out $49.30 ; the balance has been awarded, by the court, to him, and 
he has been discharged. 

National Insurance Company. 

Cash in hands of receivers, December 17, 1873, . . . $191,387 50 
Collected since that date, 8,159 14 



$199,546 64 



Disbursed under decrees of the court, ..... $180,588 36 
Balance in hands of receivers, 18,958 28 



$199,546 64 



Of the above balance, $5,127.59 is deposited, together with the return 
premium books, with the Hamilton National Bank, and is held to pay 
dividends on return premiums, upon application at the bank. 



New England Mutual Marine Insurance Company. 

Cash in hands of receivers, March 2, 1875, .... $73,716 65 
Collected since that date, 2,264 09 



$75,980 74 



Disbursed under decrees of the court, $65,446 14 

Balance in hands of receivers, 10,534 60 



$75,980 74 



Of the balance stated, $1,724.69 is held to pay dividends, upon demand 
for same. The receivers hold property in Chicago valued at about 
$7,000; also " Alabama Claims " to the amount of $180,000. They also 
have a suit in the U. S. Supreme Court to recover $12,000 ; the suit has 
been several times decided in favor of the Company in state courts. 

Neptune Insurance Company. 
Cash in hands of receivers, June 30, 1875, .... $75,886 33 
Collected since that date, 1,648 52 

$77,534 85 



INSURANCE COMMISSIONER. xvii 

Disbursed under decrees of the court, ..... $67,162 22 
Balance in hands of receivers, 10,372 63 



$77,534 85 



The receivers have a suit in the U. S. Supreme Court to recover about 
$10,000, which has several times been decided in the state courts in favor 
of the Company ; they also hold " Alabama Claims " to the amount of 

$25,000. 



Prescott Fire and Marine Insurance Company. 
Cash in hands of receivers, June 1, 1874, .... $114,26183 
Collected since that date, 815 88 



$115,077 71 



Disbursed under decrees of the court, $114,696 60 

Balance in hands of receivers, 381 11 



$115,077 71 



Since the above examination was made, the affairs of the company have 
been closed, and the receivers discharged. 



People" 1 s Fire Insurance Company. 

Cash in hands of receivers, January 13, 1874, . . . $492,506 42 

Disbursed under decrees of the court, $490,797 68 

Balance in hands of receivers, 1,708 74 



$492,506 42 

Of the balance stated, $815.80 is held to meet checks which have been 
made out to parties who are entitled to dividends on return premiums 
whose whereabouts cannot be ascertained. 



Shawmut Mutual Fire Insurance Company. 

At the date of examination, the balance of cash in hands of 

receivers was 

Collected since, * . 



Disbursed, . . * . 
Balance in hands of receivers, 



$107 33 
20 00 


$127 33 

$21 00 
106 33 



$127 33 



The affairs of this company have since been closed, and the receivers 
discharged. 



xviii EEPORT OF THE 

Suffolk Insurance Company. 
Cash in hands of receivers, October 1, 1873, . . . $45,952 08 

Disbursed under decrees of the court, . . . . . $40,397 15 
Balance, 5,554 93 



$45,952 08 



The balance stated has been deposited, together with the necessary 
books of account, with the New England Trust Company, and is by it 
held to pay, first, $35.50 as dividend on a loss, and $5,519.43 as dividends 
upon return premiums, upon application of creditors. 

Shoe and Leather Dealers' 1 Fire and Marine Insurance Company. 
Cash in hands of receivers, March 24, 1874, . . . $135,371 18 

Disbursed under decrees of the court, $135,169 19 

Balance in hands of receivers, . . . . . 201 99 



$135,371 18 



The balance stated is held to pay dividends on return premiums, upon 
the whereabouts of the creditors beins: ascertained. 



Traders' 1 Mutual Fire Insurance Company. 
Efforts have been made to communicate with the receiver of the above 
company, with a view to the examination of his account, without success. 
It has been ascertained, however, that the receiver's bond had been put in 
suit, judgment obtained, and the proceeds divided among the creditors. 
A final decree has since been issued. 

Tremont Insurance Company. 
Cash in hands of receivers, September 1, 1873, . . . $64,789 05 

Disbursed under decrees of the court, . . . . . $64,712 77 
Balance in hands of receivers, 76 28 



$64,789 05 



The balance stated is held to pay dividends on return premiums, when 
the address of the creditors can be ascertained. 

Washington Insurance Company. 
Cash in hands of receivers, February 1, 1875, . . . $85,162 28 
Collected since, . 8,050 36 



$93,212 64 



Disbursed under decrees of the court, $91,013 75 

Balance in hands of receivers, 2,198 89 

$93,212 64 



INSURANCE COMMISSIONER. xix 

The receivers hold securities valued at $30,000, and Alabama claims to 
the amount of $100,000. They also have a suit for $10,000 in the United 
States Supreme Court, which has several times been settled in favor of 
the company by state courts. 

Unusual demands upon the department have somewhat 
delayed the publication of this Report. In the present con- 
dition of both the life and fire insurance business, the interests 
of policy-holders and companies demand that the work of 
examination shall take precedence. 

By the resignation in February last of Major George H. 
Long, Deputy Insurance Commissioner, the department was 
deprived of an efficient officer. Although but a compar- 
atively short time in office, he had, by application, so familiar- 
ized himself with the duties of the position, that he was able 
to render valuable service, and relieve the Commissioner of 
a considerable portion of his burden. 

Following the text will be found the statistical tables, pre- 
pared in the usual form. The legislation of the session of 
1876 is printed in the appendix. 

The statistics of manufacturing property in this State, and 
of fires during the year, will be published in a supplement to 
this Report. 

Respectfully submitted. 

S. H. RHODES, 

Insurance Commissioner. 



STATISTICAL TABULATIONS. 



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lxiv 



EEPORT OF THE 



Table XIII. — Massachusetts Business for 1876. 
Massachusetts Mutual Fire Companies. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Dep. Notes 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


Abington, 


$746,221 


$12,791 


$25,582 


$12,466 


$11,702 


Annisquam, 




81,100 


- 


5,369 


13 


- 


Arkwright, . 




8,971,128 


77,974 


389,871 


27,805 


27,805 


Ashfield, 




19,025 


53 


638 


470 


- 


Attleborough, 




281,317 


2,295 


9,440 


35 


35 


Barnstable, . 




1,052,439 


15,844 


30,077 


6,791 


6,291 


Berkshire, . 




1,067,516 


12,918 


25,835 


11,224 


9,307 


Boot Manufacturers', . 




493,125 


4,759 


9,453 


- 


- 


Boston Manufacturers', 




18,146,361 


154,722 


773,612 


61,348 


61,348 


Bristol County, . 




506,550 


3,240 


64,043 


10,113 


10,106 


Cambridge, . 




1,542,002 


20,056 


20,056 


3,535 


4,235 


Citizens', 




4,881,975 


66,552 


66,552 


36,772 


28,574 


City, .... 




22,800 


426 


426 


375 


375 


Cohasset, 




40,599 


1,030 


3,970 


525 


525 


Conway, 




895,277 


11,470 


22,939 


16,325 


20,169 


Cotton and Woolen Manuf 


» • 


372,770 


5,040 


1,680 


1,016 


1,016 


Dedham, 




454,440 


6,969 


13,802 


1,540 


2,460 


Dorchester, . . 




3,625,893 


56,621 


56,621 


25,438 


23,330 


Essex 




94,800 


2,081 


3,277 


- 


- 


Factory, 




246,934 


2,872 


5,745 


9 


9 


Fall River Manufacturers', 


3,961,247 


36,023 


180,114 


17,407 


17,407 


Fitchburg (1st Class), 


3,385,286 


51,555 


51,555 


23,444 


20,517 


Fitchburg (2d Class), . 




670,987 


12,871 


12,871 


11,042 


9,710 


Franklin, 




1,295,536 


14,663 


29,327 


18,704 


17,810 


G-roveland, 




194,465 


- 


10,652 


2,128 


2,128 


Hampshire 




567,190 


7,246 


14,491 


8,283 


8,283 


Hingham, 




2,701,231 


47,762 


94,532 


23,165 


23,165 


Home, 




600,124 


10,943 


- 


- 


1,759 


Lowell, . . 




754,026 


8,793 


26,378 


642 


642 


Lynn 




317,025 


4,539 


18,156 


10 


10 


Merchants and Farmers', 




3,685,280 


50,655 


50,655 


27,506 


28,183 


Merrimack 




3,397,511 


47,739 


47,739 


26,195 


23,461 



INSURANCE COMMISSIONER. lxv 

Table XIII. — Massachusetts Business for 1876 — Continued. 



NAME OF COMPANY. 



Middlesex, . 
Milford, 
Mill Owners, 

Mutual Fire Assurance, 

Mutual Protection, 

Newburyport, 

Norfolk, 

Quincy, 



Salem 

Salisbury and Amesbury, 

Saugus, 

South Danvers, . 

Traders and Mechanics', 



Westfield, . 
Westford, . 
West Newbury, . 
Weymouth and Braintree, 
Whately, 



Worcester Manufacturers', 
Worcester Mutual, 
Totals, . 



Risks 
Written. 



Premiums 
Received. 



$3,630,962 

160,810 

2,702,986 

586,350 

273,010 

94,250 

2,634,748 

7,030,360 

567,625 

38,550 

911,400 

171,575 

3,688,341 

167,935 

93,820 

181,287 

389,790 

250 

7,500,208 

6,997,959 

$102,894,396 



$54,423 

1,912 

25,563 

10,281 
3,277 
1,113 

44,280 
99,321 

8,654 
312 

3,716 

53,984 

2,220 
842 

6,081 
1 

66,678 
106,453 



$1,239,613 



Dep. Notes 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



$54,423 

3,909 

127,814 

20,562 

3,464 

2,227 

86,441 

99,321 

11,924 

3,118 

110,896 

7,432 

53,984 

4,424 

1,684 

10,259 

12,161 

23 

333,389 

209,716 

$3,222,629 



$20,134 

1,069 

496 

8,515 

667 

25 

20,138 

21,902 

20 

1,270 

1,069 

14,295 

678 

56 

83 

7,110 

32,047 
34,787 



38,687 



$20,134 

1,119 

496 

6,015 

667 

25 

22,617 

21,163 

20 

1,272 

1,069 

15,295 

678 

56 

83 

5,311 

32,047 
32,131 



$520,560 



Massachusetts Mutual Marine and Fire-Marine Companies. 

Fire Business. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 




$7,933,920 
943,358 


$57,857 
8,640 


$14,207 
2,264 


$18,016 
2,264 




$8,877,278 


$66,497 


$16,471 


$20,280 



lxvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1876 — Continued. 

Marine Business. 



NAME OF COMPANY. 



Risks 

Written. 



Premiums 
Received. 



Losses 
Paid. 



Atlantic Mutual Fire and Marine, 
Boylston Mutual, . 
China Mutual, 
Commercial Mutual, 
Gloucester Mutual Fishing, 



India Mutual, 
New England Mutual, . 
Union Mutual Marine, . 
Totals, . 



$522,181 
15,943,018 
19,745,295 



3,586,079 
6,599,637 



$46,396,210 



$29,451 
176,607 
485,723 



143,074 
221,784 

$1,056,639 



$10,576 

130,282 

236,908 

5,867 

89,182 

161,353 

41,420 



$675,588 



Massachusetts Joint-Stock Companies. 
Fire Business. 



Alliance, 
American, 
Commonwealth, 
Dwelling-House, 
Eliot, . 



Faneuil Hall, 
Firemen's Fire, 
First National Fire, 
Franklin of Boston, 
Globe, . 



Gloucester Fire, .... 
Manufacturers' Fire and Marine, 
Mercantile Marine, 

Neptune, 

North American, .... 



Prescott 

Revere Fire, .... 
Shawmut, .... 
Shoe and Leather, 
Springfield Fire and Marine, 

Traders and Mechanics', 
Washington, .... 
Totals, .... 



$4,959,285 
4,023,878 
6,884,329 
1,797,813 
3,387,914 

2,569,130 
6,645,003 
4,231,397 
3,801,234 
2,101,282 

2,796,549 
10,707,182 
4,297,245 
6,144,671 
3,549,781 

4,002,134 
3,647,930 
2,078,661 
7,009,334 
9,339,220 

2,247,500 
4,867,599 



$91,089,071 



$54,584 
31,118 
58,986 
15,262 
43,730 

32,628 
80,734 
69,076 
40,035 
29,850 

42,872 
130,009 
25,545 
69,160 
31,024 

45,574 

38,276 

29,223 

67,182 

116,964 

29,414 
47,281 



$1,128,527 



$14,671 

1,309 

11,042 

5,653 

9,774 

7,178 
25,637 
26,565 
29,373 
14,345 

30,306 
76,310 

2,627 
20,918 

5,082 

14,489 
4,678 
11,035 
21,627 
57,507 

9,203 
15,922 



$415,251 



INSURANCE COMMISSIONER. 



lxvii 



Table XIII. — Massachusetts Business for 1876 — Continued. 
Marine and Inland Business. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


American, 




$4,954,173 


$102,569 


$73,658 


$78,126 


Beverly, 




18,300 


1,631 


- 


- 


Boston Marine, .... 




12,080,446 


471,598 


185,546 


220,380 


Equitable Marine, 




310,319 


17,016 


11,033 


7,147 


Gloucester Fire, .... 




243,555 


8,952 


5,583 


7,511 


Manufacturers' Fire and Marine, 




10,304,295 


132,040 


139,797 


170,997 


Mercantile Marine, 




5,220,201 


62,163 


44,993 


25,262 


Neptune 




3,309,227 


99,131 


89,634 


106,884 


Salem Marine, . , . . 




3,437,666 


81,356 


56,556 


67,403 


Shoe and Leather, 




5,532,409. 


128,630 


63,305 


80,100 


Totals 


$45,410,591 


$1,105,086 


$670,105 


$763,S10 



Companies of other States. 
Fire Business. 



./Etna (Hartford, Conn.), .... 


$19,754,403 


$235,084 


$163,384 


$166,863 


-dEtna (New York), 


609,915 


9,265 


1,593 


2,093 


Amazon (Ohio), 


3,427,856 


50,214 


38,823 


37,344 


American (Newark, N. J.), 


832,190 


7,595 


2,736 


2,736 


American Central (Missouri), 


1,903,811 


30,140 


23,316 


16,686 


American Fire (Philadelphia), . 


2,509,892 


24,994 


10,825 


10,825 


Amity (New York), 


164,300 


1,033 


2,223 


2,223 


Arctic (New York), 


215,793 


3,529 


2,613 


2,613 


Atlantic (Brooklyn, N. Y.), 


2,919,476 


27,290 


15,859 


9,701 


Atlantic Fire and Marine (Providence), 


879,011 


9,677 


3,722 


2,201 


Atlas (New York), 


2,682,018 


36,551 


19,047 


17,770 


Buffalo (Buffalo, N. Y.), . 


1,123,508 


14,249 


5,195 


5,195 


Buffalo German (Buffalo, N. Y.), . 


1,513,722 


11,762 


3,828 


5,928 


Citizens' (Newark, N. J.), . 


1,922,977 


28,342 


33,329 


35,958 


Citizens' (New York), 


862,804 


7,270 


3,827 


3,822 


Citizens' (St. Louis, Mo.), . 


778,127 


14,075 


17,662 


11,165 


City Fire (New York) 


873,535 


5,434 


248 


248 


Clinton (New York) 


1,923,198 


12,415 


8,308 


8,346 


Columbia (New York), . 


671,160 


5,955 


3,959 


4,459 


Commerce (Albany, N. Y.), 


496,707 


5,972 


3,672 


3,597 



lxviii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1876 — Continued. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


Commerce Fire (New York), 


$514,927 


$5,248 


$2,126 


$2,126 


Commercial Fire (New York), . 


1,439,661 


17,981 


2,760 


5,260 


Connecticut (Hartford, Conn.), . 


4,571,380 


54,374 


20,444 


19,875 


Continental (New York), .... 


5,120,284 


54,974 


36,904 


35,008 


Delaware Mutual (Philadelphia), 


4,469,369 


23,155 


456 


456 


Enterprise (Cincinnati, 0.), 


705,931 


9,462 


1,026 


3,526 


Equitable (Nashville, Tenn.), . 


689,592 


11,938 


12,144 


8,602 


Equitable Fire and Marine (Providence), . 


1,923,234 


21,687 


6,905 


6,550 


Exchange (New York), .... 


1,492,200 


12,990 


3,236 


3,236 


Fairfield (Connecticut) 


1,245,409 


14,773 


9,888 


12,321 


Farragut (New York) , . . 


249,270 


2,748 


1,830 


1,830 


Fire Association (Philadelphia), 


7,862,014 


106,991 


45,591 


51,453 


Firemen's (Newark, N. J.), 


918,873 


7,340 


1,903 


1,903 


Firemen's (New York), .... 


472,025 


2,816 


- 


- 


Firemen's (Dayton, Ohio) 


452,569 


5,000 


1,350 


1,350 


Fireman's Fund (California), 


1,896,942 


20,473 


10,205 


9,172 


Franklin (New York) 


317,780 


4,295 


- 


- 


Franklin (Pennsylvania), .... 


5,964,526 


•76,207 


44,190 


44,190 


Germania (Newark, N. J.), . . . 


1,289,081 


17,655 


10,075 


10,075 


Germania (New York), .... 


1,736,779 


19,166 


2,269 


2,287 


German American (New York), 


4,455,043 


49,170 


37,068 


38,946 


Girard (Philadelphia) 


1,936,243 


17,867 


15,496 


16,996 


Glen's Falls (Glen's Falls, N. Y.), . 


932,064 


11,069 


938 


930 


Guaranty (New York) , . . . . 


743,714 


9,416 


6,823 


6,961 


Guardian (New York) 


1,063,000 


5,953 


2,722 


2,722 


Hanover (New York) , 


4,320,892 


48,838 


27,952 


20,260 


Hartford (Hartford, Conn.), 


12,230,750 


103,551 


44,885 


55,596 


Hoffman (New York) , 


1,401,386 


16,803 


4,826 


6,426 


Home (Columbus, Ohio) 


967,415 


14,211 


7,010 


7,010 


Home (Newark, N. J.) 


' 636,817 


6,452 


2,575 


2,575 


Home (New York), ..... 


13,206,669 


145,062 


83,673 


69,691 


Howard (New York), 


885,952 


7,533 


753 


753 


Humboldt (Newark, N. J.), 


1,151,152 


20,423 


13,466 


18,293 


Insurance Co. of No. America (Penn.), 


10,091,252 


120,097 


40,796 


45,628 


Insurance Co. of State of Pennsylvania, . 


747,388 


9,674 


5,546 


5,546 





INSURANCE COMMISSIONER. 



lxix 



Table XIII. — Massachusetts Business for 1876 — Continued. 



NAME OF COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



Irving (New York), . 
Lamar (New York), . 
Lorillard (New York), 
Manayunk (Philadelphia), 
Manhattan (New York), 

Manufacturers' (Newark, N. J.), 
Mercantile (Cleveland, O.), 
Mercantile (New York), 
Merchants' (Newark, N. J.), 
Merchants' (New York), 

Merchants' (Providence, R. I.), . 

Meriden, 

National (Hartford, Conn.), 
National (New York) , . 
Newark City (New Jersey) , 



New Hampshire, .... 
New York City, .... 
New York and Boston (New York), 
Niagara (New York), . 
Northern (Watertown, N. Y.), . 

North- Western National (Wisconsin), 
Orient (Hartford, Conn.), . 
Pacific (New York), . # . 
Park (New York), 
Paterson (Paterson, N. J.), 



Pennsylvania, 

Peoples' (Newark, N. J.), . 

Peoples' (Trenton, N. J.), . 

Phenix (Brooklyn, N, Y.), . 

Philadelphia, 



Phoenix (Hartford, Conn.), . 
Providence Washington (Rhode 
Reading (Pennsylvania), 
Relief (New York), . 
Resolute (New York), 



Island), 



$507,845 
963,721 

1,920,214 
530,440 

3,445,605 

1,033,026 
696,602 
665,669 

3,480,981 
711,412 

2,432,843 
1,650,909 
2,965,179 
1,140,015 
1,244,804 

3,701,067 

243,347 

86,067 

3,566,953 
728,528 

1,640,602 
2,453,377 
2,073,418 
170,000 
2,468,123 

4,706,462 
2,148,175 
3,157,961 
7,392,063 
827,036 

5,750,722 
3,614,010 

222,460 
1,155,329 

385,729 



$5,286 
10,434 
11,760 
5,804 
40,132 

11,881 
5,396 
2,378 

35,029 
4,555 

30,849 
22,702 
29,829 
10,506 
18,347 

42,406 
1,765 
1,000 

32,839 
9,967 

15,312 
28,528 
17,242. 
860 
36,769 

61,047 
28,093 
32,363 
73,858 
12,305 

66,631 
44,182 

2,933 
11,366 

4,063 



$4,732 

5,972 

3,378 

210 

21,134 

9,605 
1,928 

75 
9,438 

69 

18,616 
17,642 
19,051 
4,768 
11,518 

21,239 



8,201 
2,735 

6,062 

19,582 

5,016 

33,524 

16,792 

8,804 

11,925 

25,089 

9,253 

47,050 
16,611 

4,513 
641 



$4,732 

5,972 

3,378 

210 

21,916 

6,311 
1,928 

75 
9,438 

69 

17,283 
9,892 

18,981 
4,768 

13,954 

20,533 



6,929 
2,421 

1,513 

13,463 

5,016 

37,441 

16,792 
8,553 
15,286 
23,639 
11,963 

43,801 
16,162 

4,313 
641 



Ixx 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1876 — Continued. 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


Richmond Fire Association (Virginia), 


$672,445 


$8,801 


$4,662 


$4,662 


Ridgewood (New York), . 


1,001,296 


8,626 


2,901 


2,843 


Rochester German (Rochester, N. Y.), 


2,417,241 


21,413 


9,031 


9,031 


Roger Williams (Providence, R. I.), . 


2,181,398 


30,898 


19,084 


17,603 


Safeguard (New York), . 


355,812 


2,626 


381 


381 


Security (New Haven, Conn.), . . 


1,754,711 


19,807 


6,258 


9,100 


Standard (New York), . 


665,673 


6,088 


2,425 


1,261 


Standard (Trenton, N. J.) 


1,692,018 


28,124 


20,498 


22,578 


Star (New York), 


728,517 


5,327 


1,040 


1,040 


St. Joseph Fire and Marine (Missouri), . 


1,526,585 


19,409 


10,909 


7,501 


St. Louis (Missouri), 


692,275 


13,189 


9,270 


7,363 


St. Nicholas (New York) , . 


1,093,450 


9,060 


8,078 


8,078 


St. Paul Fire and Marine (Minnesota), 


1,704,010 


26,076 


22,211 


17,135 


Sun (Philadelphia) 


818,063 


9,542 


4,672 


5,672 


Toledo (Ohio), 


231,818 


3,092 


- 


- 


Trade (Camden, N. J.), . . . " . 


484,560 


6,850 


- 


- ' 


Traders' (Chicago, 111.), .... 


1,138,283 


8,311 


6,060 


5,200 


Union Marine and Fire (Texas), 


473,826 


8,112 


5,465 


6,715 


Virginia 


324,670 


3,018 


4,803 


3,840 


"Watertown (New York), .... 


3,990,547 


28,577 


19,235 


21,235 


Westchester (Westchester, N. Y.), . 


7,216,436 


65,004 


48,640 


44,291 


Williamsburgh City (New York), 


808,735 


7,479 


3,380 


3,380 


Totals 


$98,361,283 


$1,080,366 


$560,094 


$532,200 



Marine and 

Amazon, 

Atlantic Mutual 

Delaware Mutual, 

Q-reat Western, ...... 

Insurance Company of No. America, 

Mercantile Mutual, . . . . 
North- Western National, . 

Orient Mutual, 

Pacific Mutual 

St. Paul, 

Totals, . . . . . 



Inland Business. 



$36,327 
9,208,500 

18,370,752 
5,533,444 

41,569,061 

3,674,196 
546,015 
498,809 

2,792,039 
26,650 



$82,255,793 



208,256 

274,935 

37,457 

297,158 

57,247 
5,334 
5,354 

40,505 
296 



$926,744 



$154,049 

124,490 

6,582 

222,519 

55,109 
10,006 
19,311 
32,647 



$624,713 



INSUKANCE COMMISSIONER. 



Ixxi 



Table XIII. — Massachusetts Business for 1876 — Concluded. 
Foreign Companies. 

Fire Business. 



NAME OF COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Commercial Union, 
Guardian, 
Hamburg-Bremen, 
Imperial, 
Lancashire, . 



Liverpool and London and Globe, 
London Assurance, 

Northern 

North British and Mercantile, . 
Queen, 

Royal, 

Scottish Commercial, . 

Totals 



$3,680,211 
2,112,823 
1,937,360 
2,599,559 
4,417,284 

14,215,438 
2,748,875 
2,599,559 
9,887,893 
5,751,023 

13,135,230 
4,222,805 



$67,308,060 



$49,021 
14,640 
12,196 
34,290 
50,547 

138,016 
26,821 
34,289 

111,993 
71,041 

159,654 
48,878 



$651,386 



Canadian Companies. 
Fire Business. 



British America, 
Royal Canadian, 
Western, 

Totals, . 



$2,508,361 
7,375,374 
2,239,469 



$12,123,204 



$29,043 
98,083 
37,035 



$164,161 



Marine and Inland Business. 



Royal Canadian, 



$205,133 



$4,605 



Losses 
Paid. 



$18,360 

3,961 

1,152 

6,169 

16,701 

16,830 
10,191 
3,536 
89,640 
26,817 

69,411 
20,546 



$283,314 



$13,318 

43,389 

7,910 



$64,617 



Losses 
Incurred. 



$20,646 

3,961 

1,152 

7,169 

14,529 

20,265 
10,191 
4,536 
78,320 
30,723 

73,111 
20,546 



$285,149 



$18,439 

48,895 

9,070 



$76,404 



,644 $3,644 



lxxii 



KEPORT OF THE 



Statement of the Receipts and Expenditures of the Insurance Depart- 
ment^ for the year ending December 31, 1876. 

[Made pursuant to Chapter 267, section 9, Acts of 1867.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., 



Expenditures. 
Stephen H. Rhodes, salary, . 
George H. Long, Deputy, from April 1, 
Benj. C. Dean, Deputy, to March 21\ . 

Clerks. 
Fred'k L. Cutting, first clerk, 
James G. Bovey, second clerk, 
Herbert Morissey, 



Extra Clerks 
C. E. Weis, . 
M. L. McMann, 
A. N. Tenney, 
C. L. Sawyer, . 
A. M. Hawes, . 
E. L. Johnson, 
S. J. P. Leeds, 
M. A. Swan, . 
E. F. Rhodes, . 
H. A. Pierce, . 
M. A. Allen, . 
I. M. Heath, . 
E. W. Cushman, 
S. H. Rhodes, . 
T. G. Weld, . 



and Actuaries. 



General Expenses. 

Postage, 

Printing and binding, . 
Blank and record books, 

Type writer, 

Envelopes and paper, .' 

Newspapers and insurance publications 

Schedules and receipts, . 

Pens, pencils, etc., . 

Post-office box, .... 

Directory, 

Seals, 



Amounts carried forward, 



>3,344 45 

1,913 89 

669 36 




$1,865 55 
1,565 55 
1,265 57 



$735 00 
850 00 
850 00 
833 17 
850 00 
845 00 
850 00 
850 00 

849 00 

850 00 
826 67 
700 00 
685 24 
983 33 
500 00 



$376 06 

495 86 

91 90 

115 63 

103 50 

42 80 

169 50 

36 59 

16 00 

5 

2 



00 
05 



L ,454 89 



1,927 70 



4,696 67 



12,057 41 



$22,681 78 



INSURANCE COMMISSIONER. 



lxxiii 



Expenditures — Continued. 



Amounts brought forward, 



Express and telegrams, 
Advertising, . 
Travelling expenses, . 
1,000 list of companies, 
Arithmometer, 
Miscellaneous, 



Recapitulation. 
Expended in Life Department, . 
Expended in Fire and Marine Department, 



Department fees collected and paid into 
state treasury, 

Surplus accrued to Commonwealth, 



,454 89 

70 45 

2 50 

130 71 

32 00 

240 00 

8 25 



$14,766 91 
9,853 67 



$24,620 58 
40,185 48 



$15,564 90 



$22,681 78 



1,938 80 
$24,620 58 



MASSACHUSETTS MUTUAL 
FIRE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1876. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 

Baxter Cobb, President. Secretary, Freeman P. Howland. 

Office at Abington. 



Detailed Statement of Stocks, 



United States 5-20 bonds, .... 
Chicago city sewerage bonds, 7s, 

" " river improvement bonds, 7s, 

" " school bonds, 7s, . 

Toledo " water works bonds, 8s, . 
10 shares State Nat'l Bank, Boston, . 
10 ' 
10 ' 
15 ' 
10 ' 

6 < 

5 ' 
15 ' 
15 ' 



1 Natl Hide and Leather Bank, Boston 
' Globe Nat'l Bank, Boston, . 
City Nat'l Bank, Boston, . 
' Old Boston Nat'l Bank, Boston, 
' Nat'l Bank of Republic, Boston, 
1 Nat'l Webster Bank, Boston, . 
' Metropolitan Nat'l Bank, Boston, 
' Middlesex Central Railroad, 
Union Pacific Railroad bond, 6s, 
14 shares Northern Pacific Railroad, pref'd, 
Eastern Railroad bond, 7s, ... 
Mansfield and Framingham Railroad bonds, 
Joint note of trustees of Puritan Lodge, . 
" " of New Jerusalem Church, 
" " of Union Calvinistic Society, . 



Summary of Assets, December 31, 1876. 



Bonds, Etc. 

Par value. 

$3,700 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,500 00 

500 00 

600 00 

500 00 

1,500 00 

1,500 00 

1,000 00 

1,400 00 

1,000 00 

1,000 00 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, 

deposited in the Abington Nat'l Bank, 

Premiums in course of collection (net), . 

Interest due and accrued, .... 

Office furniture, safe and fixtures, . $125 00 

Gross Assets, 



$500 00 

4,925 00 

22,546 80 

219 18 

1,524 74 

1,922 39 

442 19 



Market value. 

$4,153 75 

1,075 00 

1,075 00 

1,075 00 

1,085 00 

1,120 00 

1,082 50 

1,200 00 

1,740 00 

712 50 

790 50 

508 75 

1,372 50 

1,425 00 

1,035 00 

140 00 

517 50 

850 00 

670 00 

300 00 

618 80 

$22,546 80 



$32,080 30 



1876.] 



INSUEANCE COMPANIES. 



Liabilities. 

Owing for borrowed money, secured by U. S. 

5-20 bonds, 

Unearned premiums on outstanding risks, 
Dividends of profits' unpaid on terminated 

policies, 

Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



$2,500 00 




19,987 16 




273 92 




125 00 






$22,886 08 





Surplus, 



1,194 22 



$13,214 44 




626 83 






$12,587 61 




• ■ 


304 64 


. 


1,177 54 




26 00 


$26,048 92 





Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received for interest on mortgages, . 

for interest from all other sources, . 

for rents, 

Deposit notes received during the year, . 

Gross Cash Income, $14,095 79 



Expenditures. 

Gross amount paid for losses during the year, 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for interest on borrowed money, 

for state and local taxes, . . 

for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, $17,756 33 



$12,465 


35 


1,865 


17 


991 


61 


32 


83 


129 


37 


1,854 94 


25 00 


392 


06 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



},1 15,440 00 
755,891 00 



J,871,331 00 
676,815 00 



Net amount in force December 31, 1876, .... $2,194,516 00 
Deposit notes received on outstanding risks, .... 80,110 14 

Losses incurred during the year, 11,702 02 

Percentage of profits or surplus returned during 1876, 10-20-30 per cent. 
Highest rate of interest received during the year, 9 per cent. 
Highest rate paid, 4 per cent. 



4 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 
GLOUCESTER 

[Incorporated March 11, 1847. Commenced business December 28, 1847.] 

Nathaniel Duley, President. Secretary, James S. Jewett. 

Office at Gloucester . 

[Note. — This Company charges a cash premium adequate for expenses 
only, and relies upon assessments on deposit notes to pay losses.] 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, ... . . $200 00 $227 50 

Personal loan, - 1,375 00 



$1,602 50 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens), $475 00 

Stock, bonds, etc., as per schedule, . . . 1,602 50 

Cash in the office of the company, . . . 489 55 

deposited in various savings banks, . . 3,157 19 

Interest due and accrued, 116 39 

Office safe, $85 00 

Gross Assets, 



Income. 

Received for interest on mortgages, .... 
for interest from all other sources, 
from all other sources ; viz., policy fees, 
expense assessments, $412.43, 

Gross Cash Income, 



j,84() 63 



$26 25 
13 43 

518 43 



$558 11 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes 
for state and local taxes, .... 
for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 

Miscellaneous. 

Risks outstanding December 31, 1875, . . $364,465 00 
written during 1876, . . . . 81,100 00 

Total, 

Risks terminated during 1876, . 



$13 34 


29 00 


250 00 


5 75 


15 50 


$313 59, 



Net amount in force December 31, 1876, 

Deposit notes received on outstanding risks, 

Highest rate of interest received during the year, 7 per cent. 



$445,565 00 
92,110 00 

$353,455 00 
24,712 80 






1876.] 



INSUKANCE COMPANIES. 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated February 8, 1860. Commenced business October 1, I860.] 

Waldo Higginson, President. Secretary, Edward H. Sprague. 

Office, No. 70 Devonshire Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 bonds, 5s, . . . . $10,000 00 $11,300 00 

" bonds, 6s, 10,000 00 11,362 50 

Massachusetts gold bonds, 5s, . . . . 14,000 00 15,680 00 

Maine bonds, 6s, 10,000 00 11,100 00 

Cambridge city bonds, 6s, 10,000 00 10,600 00 

Providence city gold bonds, 5s, ... 10,000 00 10,700 00 

Boston city gold bonds, 5s, .... 10,000 00 11,100 00 

Boston city gold bonds, coupon, . . . 5,000 00 5,300 00 

Brookline town bonds, 6s, . . . . . 10,000 00 10,700 00 

Boston and Maine Railroad bonds, 7s, . . 10,000 00 11,000 00 

Fitchburg Railroad bonds, 7s, .... 10,00000 11,20000 

Old Colony Railroad bonds, 7s, 1894, . . 10,000 00 11,000 00 

Boston and Albany Railroad bonds, 7s, . . 10,000 00 11,300 00 

Conn. River Railroad mortgage bonds, 6s, . 6,000 00 6,000 00 

Corporation notes, indorsed, .... - 9,866 67 

f $158,209 17 

Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $158,209 17 
Cash in the office of the company, . 

deposited in the New England Trust Co., 
deposited in the Columbian Nat'l Bank, . 

Interest due and accrued, 

Gross Assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 

Gross Liabilities, 

Surplus, 



52 04 
1,000 00 
1,735 52 
2,965 12 


$163,961 85 
90,899 75 


$90,557 41 
342 34 




• . 


$73,062 10 



Income 
Gross cash premiums received during the year, $183,490 36 



Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received for interest from all sources, 
Deposit notes received during the year, 

Gross Cash Income, . 



2,996 12 



$917,451 80 



$180,494 24 
8,512 65 



$189,006 89 



6 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$42,468 06 
9,500 00 
1,794- 36 

115,764 96 
1,111 21 
1,436 59 

$172,075 18 



Miscellaneous. 

Risks outstanding December 31, 1875, . $19,421,079 00 
written during 1876, . . . 20,400,895 00 

Total, $39,821,974 00 

Risks terminated during 1876, . . .... 19,692,678 00 



Net amount in force December 31, 1876, .... $20,129,296 00 
Deposit notes received on outstanding risks, . . 905,574 10 

Losses incurred during the year, 42,591 79 

Percentage of profits or surplus returned during 1876, 66^ per cent. 

Average rate to date, 65| per cent. 

Highest rate of interest received during the year, 7 per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

Henry S. Ranney, President. Secretary, Almon E. Bronson. 

Office at Ashfield. 

Summary of Assets, December 31, 1876. 

Cash in the office of the Company, . . . $68 64 

Gross Assets, ...... — — $68 64 

Income. 
Gross cash premiums received during the year, . , . $48 14 

Received from assessments on deposit notes, .."... 153 93 

Deposit notes received during the year, . . . $638 03 

Gross Cash Income, $202 07 

Expenditures. 

Gross amount paid for losses during the year, .... $469 50 

Paid for salaries and fees of officers and employes, . . 14 00 

for state and local taxes, ........ 26 



Gross Cash Expenditures, « . ..... $483 76 



1876.] 



INSUEANCE COMPANIES. 



Miscellaneous. 

Risks outstanding December 31, 1876, 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 
Assessments laid on deposit notes, . 



$160,267 00 

5,387 62 

469 50 

153 93 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated 1845. Commenced business 1845.] 

Joseph W. Capron, President. Secretary, Horatio N. Richardson. 

Office, Park Street. 



Summary of Assets, December 31, 1876. 



School district note, .... 
Cash in the office of the company, . 

deposited in various savings banks, 
Premiums in course of collection .(net), 
Gross Assets, .... 



$1,936 00 


58 


89 


8,036 


80 


472 


30 



$10,503 99 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross Liabilities, 



Surplus, 



t,212 52 



4,212 52 



1,291 47 



Income. 
Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received from assessments on deposit notes, . 
Deposit notes received during the year, . 



Gross Cash Income, 



$2,360 04 




64 95 






$2,295 09 




. . 


252 ?3 


$9,440 27 





,547 82 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for office, agency and incidental expenses, 



55 00 

260 00 

21 41 

34 50 



Gross Cash Expenditures, 



$350 91 



$ 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



$926,951 00 
281,317 00 



Net amount in force December 31, 1876, . .... 
Deposit notes received on outstanding risks, .... 

Losses incurred during the year, 

Highest rate of interest received during the year, 7 per cent. 



41,208,268 00 
. 270,825 00 

. $937,443 00 

33,491 51 

35 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTH PORT. 

[Incorporated March 2, 1833. Commenced business August 1, 1833.] 

David K. Akin, President. Secretary, George Otis. 

Office at Yarmouth Port. 



Detailed Statement of Stocks, 



United States registered bonds, 
Maine state bonds, .... 
Fall River city bonds, 
Sheboygan city bonds, Wis., 
50 shares First Nat'l Bank, Yarmouth, 
30 ' 
10 ' 
15 ' 
4 ' 
15 ' 



' Tremont Nat'l Bank, Boston, 
' Falmouth Nat'l Bank, Falmouth, 
' Natl Bank of Redemption, Boston, 
' Massachusetts Nat'l Bank, Boston, 
' Atlas Nat'l Bank, Boston, . 
8 " Shawmut Nat'l Bank, Boston, . 
20 " Nat'l Bank of Commerce, Boston, 
5 " Nat'l Bank of Republic, Boston, 
20 " Everett Nat'l Bank, Boston, 
14 " Globe Nat'l Bank, Boston, . 
63 " Old Colony Railroad, 
Chicago, Danville and Vin. Railroad bonds, 
Iowa Falls and Sioux City Railroad bonds, 
Union Pacific Railroad (1st mort.) bonds, 
Burlington, C. R. and Minn. Railroad bonds, 
Union Pacific land grant bonds, 
Personal loans, 



Bonds, Etc. 

Par value. 

$17,000 00 
2,500 00 
1,000 00 

750 00 
5,000 00 
3,000 00 
1,000 00 
1,500 00 
1,000 00 
1,500 00 

800 00 
2,000 00 

500 00 
2,000 00 
1,400 00 
6,300 00 
5,000 00 
2,000 00 
5,000 00 
1,000 00 
3,000 00 



Market value. 

5,615 00 

2,750 00 

1,060 00 

500 00 

7,250 00 

3,315 00 

1,150 00 

2,175 00 

1,215 00 

1,710 00 

960 00 

2,300 00 

655 00 

2,380 00 

1,701 00 

6,489 00 

500 00 

1,700 00 

5,150 00 

390 00 

3,030 00 

6,774 35 



$71,769 35 



1876.] 



INSURANCE COMPANIES. 



Securities held as collateral for cash loans :— 
3 shares Mashpee Manufacturing Company, 



Market value. Loaned thereon. 

$495 00 $450 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens), 
'Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in the First Nat'l Bank, . 
deposited in various savings banks, . 
Interest due and accrued, .... 

Office furniture, $50 00 

safes, 200 00 



$250 00 



Gross Assets, 



$175 00 

71,769 35 

450 00 

278 23 

4,000 00 

1,373 11 



,045 69 



Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 

Gross Liabilities, 



$150 00 

34,124 62 

33 54 



$34,308 16 



Surplus, ■ , $43,737 53 



Income. 

Gross cash premiums received during the year, 
Received for interest on mortgages, . 

for interest from all other sources, . 
Deposit notes received during the year, . 



$15,844 44 

18 38 

4,622 29 



$30,077 36 



Gross Cash Income, $20,485 11 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 



$6,790 81 

2,205 00 

150 80 

10,180 09 
100 00 
539 93 



$19,966 63 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 
Net amount in force December 31, 1876, 
Deposit notes received on outstanding risks, 
2 



15,008,295 00 
1,052,439 00 



£6,060,734 00 

905,719 00 

5,155,015 00 

136,498 48 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Losses incurred during the year, $6,290 81 

Percentage of profits or surplus returned during 1876, 80 per cent. 

Average rate to date, 89-^ per cent. 

Hifghest rate of interest received during the year, 7 per cent. 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, PITTS- 
FIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 

John C. West, President. Secretary, Albert B. Root. 

Office, No. 40 North Street. 

Detailed Statement op Stocks, Bonds, Etc. 



United States bonds, 

29 shares Pittsfield Nat'l Bank, . 

Boston and Albany Railroad bonds, . 

25 shares New York Central and H. R. R. R., 

Western Union Telegraph Company bonds, 

Personal loans, 



Securities held as collateral for cash loans : — 



Par value. 


Market value. 


$8,000 00 


$9,103 40 


2,900 00 


3,915 00 


3,000 00 


3,510 00 


2,500 00 


2,550 00 


4,000 00 


4,160 00 


• 


24,905 00 



,143 40 



15 shares First Nat'l Bank, Adams, . 



Market value. Loaned thereon. 

$1,875 00 $1,300 00 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in the Pittsfield Nat'l Bank, 
Premiums in course of collection (net), . 
Interest due and accrued, . 
Office furniture, . . . . . $996 25 
Gross Assets, 

Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 

policies, . . . . 
State and local taxes, due or accrued, 
Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, ..... 

Surplus, 



,143 40 
1,300 00 

232 84 

647 51 
1,781 42 

724 03 



$52,829 20 



$83 62 
33,311 99 

50 00 
38 53 

131 25 



33,615 39 



,213 81 



1876.] 



INSURANCE COMPANIES. 



11 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received for interest from all sources, 
Deposit notes received during the year, . 



$12,917 62 
716 76 



$25,835 24 



$12,200 86 
3,848 15 



Gross Cash Income, ........ $16,04901 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for interest on borrowed money, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, . . . . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, $18,340 96 



$11,223 91 

1,463 21 

1,332 82 

24 00 

146 10 

3,014 07 

300 00 

836 85 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



^5,298,666 27 
1,067,515 67 



16,366,181 94 
1,046,869 00 



Net amount in force December 31, 1876, .... $5,319,312 94 
Deposit notes received on outstanding risks, . . . 133,814 68 

Losses incurred during the year, 9,307 53 

Percentage of profits or surplus returned during 1876, 25 per cent. 
Average rate to date, 60 per cent. 

Highest rate of interest received during the year, 7 T ^ per cent. 
Highest rate paid, 6 per cent. 



BOOT MANUFACTURERS' MUTUAL FIRE INSURANCE COM- 
PANY, BOSTON. 

[Incorporated August 31, 1876. Commenced business September 1, 1876.] 

C. A Grinnell, President. Secretary, T. F. Boynton. 

Office, No. 40 Water Street. 

Summary of Assets, December 31, 1876. 
Cash in the office of the company, . . . $112 71 

deposited in Nat'l Bank of Redemption, . 2,431 25 
Premiums in course of collection (net), . . 907 57 

Gross Assets, $3,451 53 



12 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 

Unearned premiums on outstanding risks, 
Rents, salaries, office, agency and incidental 

expenses, . 

Gross Liabilities, 



Surplus, 



Gross Cash Income, 



1,527 01 
257 69 



Income. 

Gross cash premiums received during the year, $4,221 45 

Deduct return premiums and re-insurance, . 75 0G 

Net cash premiums received, .... 

Deposit notes received during the year, . . $9,993 04 



Expenditures. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for office, agency and incidental expenses, 



Gross Cash Expenditures, . 

Miscellaneous. 
Risks written during 1876, 

terminated during 1876, . 

Net amount in force December 31, 1876, . 
Deposit notes received on outstanding risks, 



$2,784 70 
$666 83 



t,146 45 



t,146 45 



$78 51 

1,188 30 

335 68 

51,602 49 



$535,625 00 
10,000 00 



f525,625 00 
9,993 04 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business October 14, 1850.] 

Edward E. Manton, President. Secretary, William B. Whiting. 

Office, No. 131 Devonshire Street. 



Detailed Statement 



Brookline town bonds, 7 s, 
Boston city bonds, 6s, 
Cambridge city bonds, 6s, 
Lawrence city bonds, 6s, 
Holyoke city bonds, 6s, 
Manchester city bonds, 6s, 
Lynn city bonds, 6s, . 
Somerville city bonds, 6-|s, 
Corporation notes, secured, 



of Stocks, Bonds, Etc. 

Par Value. Market Value 

$20,000 00 
30,000 00 
25,000 00 
35,000 00 
10,000 00 
20,000 00 
30,000 00 
75,000 00 



$23,000 00 
31,950 00 
27,625 00 
37,625 00 
10,750 00 
20,800 00 
32,550 00 
78,900 00 
53,000 00 

$316,200 00 



1876.] INSURANCE COMPANIES. 13 

Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $316,200 00 

Cash in the office of the company, . . . 261 54 

deposited in the New England Nat'l B'k, 18,241 13 

Premiums in course of collection (net), . . 271 80 

Interest due and accrued, 6,205 25 

Office furniture, . . . . . $1,000 00 

Gross assets, __ — $341,179 72 

Liabilities. 

Unearned premiums on outstanding risks, . $177,247 91 

State and local taxes, due or accrued, . . 183 68 

Gross Liabilities, . . . . . $177,431 59 



Surplus, $163,748 13 

Income. 

Gross cash premiums received during the year, $356,003 27 
Deduct return premiums and re-insurance, . 5,552 54 

Net cash premiums received, .... $350,450 73 

Received for interest from all sources, 24,013 41 

Deposit notes received during the year, . $1,780,016 35 

Gross Cash Income, . $374,464 14 



Expenditures. 
Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



$91,192 10 

20,000 00 

782 83 

264,159 57 

2,215 00 

6,772 87 

$385,122 37 



Miscellaneous. 

Risks outstanding December 31, 1875, . $39,091,279 00 
written during 1876, . . . 41,574,279 00 

Total, $80,665,558 00 

Risks terminated during 1876, . 39,112,058 00 



Net amount in force December 31, 1876, .... $41,553,500 00 
Deposit notes received on outstanding risks, .... 1,772,479 10 

Losses incurred during the year, 89,416 48 

Percentage of profits or surplus returned during 1876, 79 T f ¥ . 

Average rate to date, 66^ per cent. 

Highest rate of interest received during the year, 7 per cent. 



14 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, NEW 

BEDFORD. 

[Incorporated February 13, 1829. Commenced business July 4, 1829.] 

Wm. H. Taylor, President. Secretary, Geo. N. Alden. 

Office, No. 44 North Water Street. 

[Note. — Policies are all issued for seven years ; the premium is secured 
by notes assessable as required, and five per cent, on the notes is received 
in cash when the policy is issued.] 

Summary of Assets, December 31, 1876. 



Cash in the office of the company, . 

deposited in the Mechanics 1 Nat'l Bank, 
Premiums in course of collection (net), . 
Bills receivable, . . . 

Gross Assets, 



$198 67 

708 46 

93 30 

170.68 



1,171 11 



Liabilities. 

Owing for borrowed money, 
State and local taxes, due or accrued, 
Gross Liabilities, . . 



5,000 00 

9 04 



1,009 04 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received from assessments on deposit notes, 
Deposit notes received during the year, . 



Gross Cash Income, 



1,859 25 
115 80 



176,423 00 



$3,743 45 
14,669 26 



,412 71 



Expenditures. 
Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for interest on borrowed money, 

for state and local taxes, .... 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



111,431 59 
165 20 
2,091 66 
323 86 
188 24 
16 67 
281 66 



$14,498 88 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



>,892,585 00 
592,075 00 



1,484,660 00 
845,960 00 



1876.] 



INSURANCE COMPANIES. 



15 



Net amount in force December 31, 1876, . 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 
Assessments laid on deposit notes, 
Highest rate paid, 6 per cent. 



j,638,700 00 

721,852 00 

11,418 57 

15,504 22 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, CAM- 
BRIDGE. 

[Incorporated March 13, 1833. Commenced business January 1, 1834.] 

Rufus Lamson, President. Secretary, Alfred L. Barbour. 

Office, No. 555 Main Street, Cambridgeport. 

Detailed Statement of Stocks, 



Cambridge city bonds, 
Bath city bonds, .... 

Cincinnati city bond, .... 
Portland city bond, .... 

5 shares Cambridgeport Nat'l Bank, 
15 " Nat'l City Bank, 

1 " Framingham Nat'l Bank, . 
Eastern Railroad bond, 
Personal loans, 



Summary of Assets, December 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the Nat'l City Bank, 

deposited in various banks, 

Premiums in course of collection (net), 

Interest due and accrued, . 

Office furniture, safes, etc., . . $2,500 00 

Gross Assets, 

Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 

policies, 

Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



Bonds, Etc. 




Par value. 


Market value. 


$10,900 00 


$11,990 00 


3,000 00 


3,030 00 


1,000 00 


1,030 00 


9,000 00 


9,270 00 


500 00 


750 00 


1,500 00 


2,250 00 


100 00 


130 00 


1,000 00 


510 00 


- 


4,350 00 




$33,310 00 


31, 1876. 




$42,100 00 




33,310 00 




704 38 




2,182 36 




3,000 00 




1,460 95 




1,030 53 






$83,788 22 




$700 00 




37,006 04 





144 88 



541 66 



38,392 58 



Surplus, . $45,395 64 



16 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, . . . $20,055 78 

Received for interest on mortgages, 2,926 25 

for interest from all other sources, .... 1,530 15 
Deposit notes received during the year, . . $20,055 78 

Gross Cash Income, $24,512 18 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes 
for state and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$3,535 47 

1,541 00 

3,497 00 

185 56 

5,981 84 

400 00 

1,028 75 

$16,169 62 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



K,725,722 00 
1,542,002 00 



$,267,724 00 
1,427,410 00 



Net amount in force December 31, 1876, .... $4,840,314 00 
Deposit notes received on outstanding risks, .... 74,012 08 

Losses incurred during the year, 4,235 47 

Percentage of profits or surplus returned during 1876, 20-30-40 per cent. 

Average rate to date, 30 per cent. 

Highest rate of interest received during the year, 8 per cent. 



CITIZENS' MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 7, 1846. Commenced business October 5, 1846.] 

H. C. Bigelow, President. Secretary, J. W. Peabody. 

Office, No. 42 Congress Street. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

$3,000 00 

3,000 00 

58,000 00 



6 shares Boston and Lowell Railroad, 
30 " Hide and Leather Nat'l Bank, 
United States registered bonds, 



Market value. 

$1,950 00 

3,450 00 

66,047 50 



$64,000 00 $71,447 50 



Summary of Assets, December 31, 1876. 
Loans on mortgages of real estate (first liens), $154,722 00 
Stocks, bonds, etc., as per schedule, . . . 71,447 50 



1876.] 



INSURANCE COMPANIES. 



17 



Cash in the office of the company, . . . $123 39 

deposited in the Nat'l Exchange Bank, . 7,440 67 

Premiums in course of collection (net), . . 11,443 14 

Interest due and accrued, 14,829 89 

Notes receivable, 328 64 

Gross Assets, — 

Liabilities, 

Claimed and reported losses, not adjusted, . $3,840 00 

Unearned premiums on outstanding risks, . 154,529 26 

Rents 488 50 

Gross Liabilities, 



$260,335 23 



Surplus, 



158,857 76 



,477 47 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received for interest on mortgages, . 

for interest from all other sources, . 

for rents, 

Deposit notes received during the year, . 



,707 95 
4,276 85 



$64,431 10 
8,305 82 
3,232 27 
1,674 84 



,591 27 



Gross Cash Income, 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, . . ... 

for profits or surplus on terminated policies, . 

for rents, 

for office, agency and incidental expenses, 

Gross Cash Expenditures, $83,712 65 



$77,644 03 


$36,771 96 


9,769 


34 


6,483 


65 


791 


90 


23,277 


59 


5,356 


56 


1,261 


65 



Miscellaneous. 



Risks outstanding December 31, 1875, 
written during 1876, 

Total 

Risks terminated during 1876, . 



$19,213,134 00 
4,885,175 00 



•$24,098,309 00 
3,712,318 00 



Net amount in force December 31, 1876, . . . . $20,385,99100 
Deposit notes received on outstanding risks, . . . 309,05852 

Losses incurred during the year, 29,425 69 

Percentage of profits or surplus returned during 1876, 80 per cent, on 7 

years, 60 on five, and 50 on all others. 
Highest rate of interest received during the year, 10 per cent. 
3 



18 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



CITY MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 11, 1846. Commenced business, 1846.] 

Aaron D. Williams, Vice-President. Secretary, Edward Richards. 
Office, No. 2343 Washington Street. 

Detailed Statement of Stocks, Bonds Etc. 

Par value. Market value. 

10 shares Rockland Natl Bank, . . . $1,000 00 $ 1,500 00 
Personal loans, - 3,720 00 



$5,220 00 



Summary of Assets, December 31, 1876. 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the Rockland Nat'l Bank, 
deposited in savings bank, 
Interest due and accrued, .... 
Gross Assets, . . . . 



$5,220 00 


122 


00 


439 


91 


9,143 00 


1,900 


00 



Liabilities. 

Unearned premiums on outstanding risks, 

Gross Liabilities, . . . . . 



$2,339 35 



,824 91 



2,339 35 



Surplus, $14,485 56 

Income. 

Gross cash premiums received during the year, $426 27 

Deduct return premiums and re-insurance, . 96 70 

Net cash premiums received, .... 

Received for interest from all sources, 

Deposit notes received during the year, . _, . $438 90 



Gross Cash Income, 



$329 57 
117 50 



$447 07 



Expenditures. 
Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$375 00 


300 00 


11 15 


125 58 


2 00 



$813 73 



Miscellaneous. 
Risks outstanding December 31, 1875, 



written during 1876, 



$350,750 00 
22,800 00 



Total, 



$373,550 00 



Risks terminated during 1876, 72,050 00 

Net amount in force December 31, 1876, $301,500 00 



1876.] INSURANCE COMPANIES. 19 

Deposit notes received on outstanding risks, .... $4,67870 

Losses incurred during the year, . . .... 375 00 

Percentage of profits or surplus returned during 1876, 25 per cent. 

Average rate to date, 25 per cent. 

Highest rate of interest received during the year, 7 per cent. 



COHASSET MUTUAL FIRE INSURANCE COMPANY, COHASSET. 

[Incorporated March 18, 1845. Commenced business March 1, 1846.] 

Martin Lincoln, President. Secretary, C. Q. A. Lothrop. 

Office at Cohasset. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Town of Cohasset note, $1,000 00 1 1,000 00 

3 shares Merchants' Natl Bank, . . .. 300 00 420 00 

9 shares City Nat'l Bank, 900 00 1,044 00 



$2,200 00 $2,464 00 

Summary of Assets, December 31, 1876. 
Stocks, bonds, etc., as per schedule, . . . $2,464 00 
Cash in the office of the company, . 

deposited in the Cohasset Savings Bank, . 
deposited in the Hingham Savings Bank, 
Premiums in course of collection (net), . 

Interest due and accrued, 

Office furniture and safe, . . . $140 00 

Gross Assets, $4,932 50 

Liabilities. 

Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, 

Gross Liabilities, 5,267 86 



13 


45 


1,200 00 


1,000 


00 


19 


81 


235 


33 


$1,575 


00 


3,692 


86 



Balance against the Company, . . ..... $335 27 

Income, 

Gross cash premiums received during the year, . . . $1,029 65 
Rec'd from all other sources ; viz., policy fees, ... 64 00 

Deposit notes received during the year, , . $3,970 04 



Gross Cash Income, . . $1,093 65 

Expenditures. 

Gross amonnt paid for losses during the year, .... $525 00 

Paid for brokerage and commissions, 63 32 

for salaries and fees of officers and employes, . . 351 05 

for state and local taxes, 5 66 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Paid for profits or surplus on terminated policies, . 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



$394,214 00 
40,599 00 



$498 36 
30 00 
15 00 

1,488 39 



$434,813 00 
50,712 00 



Net amount in force December 31, 1876, . . . . . $384,101 00 
Deposit notes received on outstanding risks, .... 29,542 92 

Losses incurred during the year, 2,025 00 

Percentage of profits or surplus returned during 1876, 70 per cent. 

Average rate to date, 70^ per cent. 

Highest rate of interest received during the year, 6 per cent. 



CONWAY MUTUAL FIRE INSURANCE COMPANY, CONWAY. 

[Incorporated April 13, 1849. Commenced business August, 1849.] 

E D. Hamilton, President Secretary, Henry W. Billings. 

Office at Conway, 
Detailed Statement of Stocks, Bonds, Etc. 

United States bond, 1881, . 

15 shares First Nat'l Bank, Greenfield, 

38 " Conway Nat'l Bank, . 

11 " Connecticut River Railroad, 

Personal loans, 



Par value. 


Market value. 


$500 00 


$570 00 


1,500 00 


2,625 00 


3,800 00 


4,370 00 


1,100 00 


1,430 00 


- 


665 50 



>,660 50 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Premiums in course of collection (net), . 
Interest due and accrued, .... 
Gross Assets, 

Liabilities. 

Losses and claims adjusted, but not due, . 
Claimed and reported losses", not adjusted, 
Claims for losses disputed or resisted, 



$4,300 00 




8,510 00 




9,660 50 




457 01 




4,199 41 




568 91 






$27,695 83 


$1,210 00 


8,003 00 




500 00 





1876.] 



INSURANCE COMPANIES. 



21 



Owing for borrowed money, secured by 20 
shares Conway Nat'l Bank, .... 

Unearned premiums on outstanding risks, 

Dividends of profits unpaid on terminated poli- 
cies, 

Rents, salaries, office, agency and incidental 
expenses, ....... 

Gross Liabilities, 

Balance against the company, . 



$2,000 00 




28,665 68 




528 80 




56 00 






$40,963 48 
$13,267 65 





Income. 

Gross cash premiums received during the year, $11,938 48 
Deduct return premiums and re-insurance, . 468 88 

Net cash premiums received, . . . . ■ $11,469 60 

Received for interest on mortgages, ...... 497 00 

for interest from all other sources, .... 1,329 06 

for rents, 175 00 

from all other sources, 48 05 

Deposit notes received during the year, . . $22,939 20 

Gross Cash Income, $13,518 71 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes 

for interest on borrowed money, 

for state and local taxes, . . 

for profits or surplus on terminated policies, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$16,324 95 

1,111 59 

1,230 00 

236 24 

270 30 

3,743 43 

598 80 

$23,515 31 



Miscellaneous. 
Risks outstanding December 31, 1875, 
written during 1876, : 

Total, 

Risks terminated during 1876, . . . 



1,528,257 00 
895,277 00 



15,423,534 00 
1,153,820 00 



Net amount in force December 31, 1876, . . . . $4,269,714 00 
Deposit notes received on outstanding risks, .... 114,662 74 

Losses incurred during the year, 20,169 00 

Highest rate of interest received during the year, 8 per cent. 
Highest rate paid, 7 per cent. 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSUR- 
ANCE COMPANY OF NEW ENGLAND, BOSTON. 

[Incorporated October 19, 1875. Commenced October 20, 1875.] 

Wm. C. Plunkett, President. Secretary, B. F. Taft. 

Office, No. 131 Devonshire Street. 

Summary of Assets, December 31, 1876. 

Cash in the office of the company, . 

deposited in the Eliot Natl Bank, . 
Premiums in course of collection (net), . 



Office furniture, . 
Gross Assets, 



$200 00 



Liabilities. 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 

Gross Liabilities, 



$199 
3,491 
3,387 


94 
49 

76 


$6,313 79 
76 36 



$7,379 19 



6,390 15 



Surplus, 



$989 04 



Income. 

Gross cash premiums received during the year, $12,367 89 
Deduct return premiums and re-insurance, . 2,465 29 

Net cash premiums received, . . . . 

Received for interest from all sources, 



1,902 60 
108 16 



Gross Cash Income, $10,010 76 



Expenditures. 
Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$5,047 13 


2,500 00 


50 48 


350 00 


2,782 41 


$10,730 02 



Miscellaneous. 

Risks outstanding December 31, 1875, 

written during 1876, 
Total, . . 
Risks terminated during 1876, 

re-insured during 1876, 
Total deductions, 



Net amount in force December 31, 1876, $877,863 50 

Deposit notes received on outstanding risks, .... 4,11428 

Losses incurred during the year, 5,047 13 

Highest rate of interest received during the year, 2\ per cent. 



$548,900 67 
838,713 50 



$497,250 67 
12,500 00 



.,387,614 17 



509,750 67 



1876.] INSURANCE COMPANIES. 23 

DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated February 22, 1837. Commenced business July 1, 1837.] 

Ira Cleveland, President Secretary, George D. Gordon. 

Office, High Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, $6,000 00 $6,810 00 

City of Chicago bonds, 2,000 00 2,080 00 

City of Cincinnati bonds, ..... 5,000 00 5,250 00 

Philadelphia and Reading Railroad bonds, 7s, . 5,000 00 5,000 00 

Marquette and Ontonagon R. R. 1st mort. bonds, 8,000 00 7,760 00 

12 shares Dedham Nat'l Bank, .... 1,200 00 1,500 00 



$27,200 00 $28,400 00 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $11,800 00 

Stocks, bonds, etc., as per schedule, . . . 28,400 00 

Cash deposited in the Dedham Nat'l Bank, . 5,629 37 

Premiums in course of collection (net), . . 1,331 75 

Interest due and accrued, 897 24 

Gross Assets, . . • . . . . $48,058 36 

Liabilities. 

Losses and claims adjusted, but not due, . . $300 00 

Claimed and reported losses, not adjusted, . 620 00 

Unearned premiums on outstanding risks, . 8,682 70 

Return premiums on cancelled policies, . . 52 90 
Dividends of profits unpaid on terminated 

policies, . . ' 1,430 99 

Rents, salaries, office, agency and incidental 

expenses, 100 00 

Gross Liabilities, 11,186 59 



Surplus, $36,871 77 

Income. 

Gross cash premiums received during the year, . . . $7,832 68 

Received for interest on mortgages, . . .... 876 50 

for interest from all other sources, .... 1,723 60 

Deposit notes received during the year, . . $13,802 02 

Gross Cash Income, $10,432 78 

Expenditures. 

Gross amount paid for losses during the year, .... $1,540 33 

Paid for brokerage and commissions, 1,149 02 



24 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Paid for salaries and fees of officers and employes, . . $1,035 00 

for state and local taxes, 94 75 

for profits or surplus on terminated policies, . . . 1,969 29 

for rents, 100 00 

for office, agency and incidental expenses, . . . 143 04 

Gross Cash Expenditures, $6,031 43 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . . . . 



Net amount in force December 31, 1876, $971,275 50 

Deposit notes received on outstanding risks, .... 34,730 78 

Losses incurred during the year, 2.460 33 

Percentage of profits or surplus returned during 1876, 25-40 per cent. 
Highest rate of interest received during the year, 8 per cent. 



$930,069 00 
454,440 50 



1,384,509 50 
413,234 00 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated February, 1855. Commenced business July 1, 1856.] 

Edmund J. Baker, President. Secretary , Wm. F. Temple. 

Office, at Neponset. 



Detailed Statement of Stocks, 



United States 5-20 bonds, . 
30 shares Blue Hill Nat 1 ! Bank, 



30 
20 
20 
12 
10 
213 
140 



Columbian Nat'l Bank, 
Howard Nat'l Bank, 
Continental Nat'l Bank, 
Hide and Leather Nat'l Bank, . 
New England Nat'l Bank, 
Boston and Albany Railroad Co., 
Old Colony Railroad Co., 



Boston and Lowell Railroad note, 



Bonds, Etc. 

Par value. 

$18,400 00 

3,000 00 

3,000 00 

2,000 00 

2,000 00 

1,200 00 

1,000 00 

21,300 00 

14,000 00 

5,000 00 



Market value. 

$20,884 00 
3,450 00 
4,050 00 
2,160 00 
2,200 00 
1,296 00 
1,380 00 
27,690 00 
14,840 00 
5,000 00 



Summary of Assets, December 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in the Eliot Nat'l Bank, . 

deposited in the N. E. Trust Co. Bank, . 
Premiums in course of collection (net), . 



$70,900 00 $82,950 00 

31, 1876. 
$25,000 00 

23,500 00 

82,950 00 
2,902 11 

26,466 19 

11,912 26 



1876.] 



INSURANCE COMPANIES. 



25 



Interest due and accrued, .... 

Unpaid assessments on premium notes, . 

Gross Assets, . . . . 

Liabilities. 
Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, .... 



,950 50 
400 00 



$1,130 00 
98,928 16 



$175,081 06 



100,058 16 



Surplus, . $75,022 90 



Income. 

Gross cash premiums received during the year, 

Deduct return premiums and re-insurancc, 

Net cash premiums received, . 

Received for interest on mortgages, . 

for interest from all other sources, 
from assessments on deposit notes, 
for rents, 

Deposit notes received during the year, . 



Gross Cash Income, 



$56,620 60 
1,272 73 



$55,824 68 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 
for expenses in collecting assessments, 
for repairs on real estate, .... 



Gross Cash Expenditures, $59,763 94 



$55,347 87 

966 50 

5,759 96 

4,113 11 

1,057. 51 

$67,244 95 



$25,438 19 

9,132 12 

4,648 46 

758 90 

15,927 03 

,300 00 

1,328 22 

2,013 11 

217 91 



Miscellaneous. 



Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



$11,014,879 00 
3,625,893 00 

$14,640,772 00 

3,472,608 00 



Net amount in force December 31, 1876, .... $11,168,164 00 
Deposit notes received on outstanding risks, . . . 164,000 00 

Losses incurred during the year, ..... 23,330 00 

Percentage of profits or surplus returned during 1876, 15-25-40 per cent. 
Average rate to date, 28^ per cent. 

Highest rate of interest received during the year, 7 per cent. 
4 



26 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated June 11, 1829. Commenced business September 5, 1829.] 

Stephen B. Ives, President. Secretary, Charles S. Nichols. 

Office, No. 97 Washington Street. 



Detailed Statement of Stocks, 



United States 5-20 registered bonds, . 



1881, 



Oregon war loan, 


. 


. 


Springfield 


city bonds 


7s,. 


Cleveland 


u 


ct 


7s,. . 


Chicago 


(( 


u 


7s,. . 


Chicago 


It 


t; 


6s, . 


Cincinnati 


It 


tc 


'l0 b ' 


Cincinnati 


11 


it 


6s, . 


Salem 


u 


u 


6s, . 


Newb'yporl 


- It 


u 


6s,. 


Portland 


u 


u 


6s, . 


Hartford 


a 


(( 


6s, . 


Brooklyn 


(C 


(C 


6s, . 


St. Louis 


« 


u 


6s, . 


Louisville 


u 


cc 


, , 


Fall River 


u 


(( 


6s,. 


14 shares Salem Nat'l Bank, 


11 " Asiatic 


U 


n 



15 " Cambridge Horse Railroad 
Old Colony Railroad bonds, 7s, 
Central Pacific " " 7s, 
Michigan Centl " " 8s, 
Essex " " 6s, 
Eastern " " gold, 
20 shares Salem Gas Light Company, 

16 " Lynn ' " 



Bonds, Etc. 

Par value. 

$1,000 00 
500 00 
1,000 00 
1,000 00 
2,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,000 00 
1,400 00 
330 00 
1,500 00 
1,000 00 
1,000 00 
1,000 00 
1,500 00 
2,000 00 
2,000 00 
1,600 00 



Market value. 

$1,130 00 
567 50 
1,060 00 
1,150 00 
2,100 00 
1,065 00 
1,000 00 
1,025 00 
1,000 00 
1,000 00. 
1,060 00 
1,030 00 
1,060 00 
1,050 00 
1,000 00 
950 00 
1,060 00 
1,596 00 
451 00 
1,650 00 
1,110 00 
1,030 00 
800 00 
765 00 
1,030 00 
1,980 00 
1,120 00 



|30,830 00 $29,839 50 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Premiums in course of collection (net), . 
Interest due and accrued, .... 
Gross Assets, .... 

Liabilities. 

Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 
policies, 



,839 50 
911 51 
116 63 
540 16 



$11,985 33 
126 23 



$31,407 80 



expenses, 

Gross Liabilities, . 



INSURANCE COMPANIES. 

$2 16 
236 67 



1-876.] 



State and local taxes, due or accrued, 

Rents, salaries, office, agency and incidental 



27 



Surplus, 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Rec'd for interest from all other sources, . 
Deposit notes received during the year, . 



1,117 39 
136 19 



1,277 39 



Gross Cash Income, 



EXPENDITUEES. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Risks terminated during 1876, . 



$1,033,000 00 
94,800 00 



$12,350 39 
$19,057 41 



51,981 20 
1,882 35 

.3,863 55 



$17 60 

841 00 

9 05 

906 83 

36 55 

,811 03 



,127,800 00 
136,900 00 



Net amount in force December 31, 1876, $990,900 00 

Deposit notes received on outstanding risks, .... 23,970 66 
Percentage of profits or surplus returned during 1876, 30 per cent. 
Average rate to date, 55 per cent. 
Highest rate of interest received during the year, 8 per cent. 



FACTORY MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated June 24, 1876. Commenced business August 1, 1876.] 

Alfred H. Hall, President. Secretary, F. Ernest Cabot. 

Office, Room 64 Simmons Building. 

Summary of Assets, December 31, 1876. 
Cash in the office of the company, . . . $850 00 
deposited in the New England Trust Co., 4,427 80 
Premiums in course of collection (net), . . . 620 78 
Gross Assets, 



$5,898 58 



28 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Liabilities. 

Unearned premiums on outstanding risks, . $4,023 84 
Rents, salaries, office, agency and incidental 

expenses, 695 00 

Gross Liabilities, ' $4,718 84 

Surplus, $1,179 74 

Income. 

Gross cash premiums received during the year, $8,450 94 
Deduct return premiums and re-insurance, . 403 26 

Net cash premiums received, .... $8,047 68 

Received for interest from all other sources, .... 43 66 

Deposit notes received during the year, 16,755 74 

Gross Cash Income, . . . . $8,091 34 

Expenditures. 

Gross amount paid for losses during the year, .... $1,542 60 

Paid for salaries and fees of officers and employes, . . 43 50 

for rents, 175 00 

for office, agency and incidental expenses, . . . 1,052 44 

Gross Cash Expenditures, $2,813 54 

Miscellaneous. 

Risks written during 1876, $756,177 00 

terminated during 1876, 53,500 00 

Net amount in force December 31, 1876, 702,677 00 

Deposit notes received on outstanding risks, .... 16,755 74 

Losses incurred during the year, 1,542 60 









FALL RIVER MANUFACTURERS 1 MUTUAL FIRE INSURANCE 
COMPANY, FALL RIVER. 

[IncorporatedFebruary 17, 1870. Commenced business May 1, 1870.] 

Stephen Davol, President. Secretary, Isaac B. Chace. 

Office, Section " (7," Granite Block. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

$10,000 00 
6,000 00 
1,000 00 
5,000 00 
5,000 00 



Old Colony Railroad bonds, 
Fall River city bonds, 
Worcester city bonds, 
Lawrence city bonds, 
United States bonds, . 
Loans on corporation notes, 



Market value. 

$11,100 00 
6,360 00 
1,060 00 
5,325 00 
5,868 75 
20,200 00 



$49,913 75 



1876.] 



INSURANCE COMPANIES. 



29 



Summary of Assets, December 31, 1876. 



Bonds, etc., as per schedule, .... 

Cash in the office of the company, . 

deposited in B.M. C.Durfee &Co.'s Bank, 
deposited in the Fall River Savings Bank, 

Interest due and accrued, 

Office furniture, f 500 00 

Gross Assets, . . . . • 

Liabilities. 

Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated poli- 



$49,913 75 

399 08 

34,602 48 

4,804 74 

1,002 41 



,722 46 



,340 48 



cies, 



State and local taxes, due or accrued, 

Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



Surplus, 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received for interest from all other sources, . 
Deposit notes received during the year, . 



4,537 21 


<L 


95 52 




347 16, 






43,320 37 

$47,402 09 




$79,869 28 




2,655 83 






$77,213 45 
3,959 70 


• • • 


$399,346 40 





Gross Cash Income, 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



,173 15 



$18,642 09 

3,874 92 

322 46 

40,807 02 

276 00 

702 08 

,624 57 



Miscellaneous. 
Risks outstanding December 31, 1875, . $7,127,309 91 
written during 1876, . *. . 8,351,962 67 
Total, 



$15,479,272 58 

Risks terminated during 1876, 7,365,699 53 



Net amount in force December 31, 1876, . . . . $8,113,573 05 
Deposit notes received on outstanding risks, .... 383,404 80 

Losses incurred during the year, 18,642 09 

; Percentage of profits or surplus returned during 1876, 62^ per cent. 
Average rate to date, 42f§ per cent. 
Highest rate of interest received during the year, 7 per cent. 



30 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCH- 
BURG. (First Class.) 

[Incorporated March 23, 1847. Commenced business September 1, 1847.] 

L. H. Bradford, President. Secretary, E. P. Downe. 

Office, Main Street. 



Detailed Statement, op Stocks, Bonds, Etc. 

Par value. Market value. 

8 shares Lancaster Nat'l Bank, . . . . $800 00 $1,000 00 

Agricultural Branch Railroad bonds, . . 3,000 00 3,000 00 

Personal loans, - 26,725 00 



,725 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in various banks, 
Premiums in course of collection (net), . 
Interest due and accrued, . . . . 

Gross Assets, 



,443 66 
30,725 00 
16,716 45 

1,987 88 
4,709 64 



$143,582 63 



Liabilities. 

Losses and claims adjusted, but not due, . 
Claims for losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 

policies, 

State and local taxes, due or accrued, 

Rents, salaries, office, agency and incidental 

expenses, ....... 

Gross Liabilities, .... 

Surplus, 

Income. 

Gross cash premiums received during the year, 
Received for interest from all sources, 
Deposit notes received during the year, . 



$94 00 

2,000 00 

112,348 47 

1,782 97 
161 45 

256 84 



,460 73 



116,643 73 



. $26,938 90 






. $59,692 86 
8,340 53 



Gross Cash Income, $68,033 39 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, . . . . 
for profits or surplus on terminated policies, . 



$28,270 03 

5,785 93 

3,404 07 

554 26 

27,707 60 



1876.] INSURANCE COMPANIES. 31 

Paid for rents, $400 00 

for office, agency and incidental expenses, . . . 1,618 71 

Gross Cash Expenditures, $67,740 60 

Miscellaneous. 
Risks outstanding December 31, 1875, . $15,535,115 00 
written during 1876, . . . 4,014,425 00 

Total $19,549,540 00 

Risks terminated during 1876, 4,528,377 00 

Net amount in force December 31, 1876, . . . . $15,021,163 00 
Deposit notes received on outstanding risks, .... 224,696 93 

Losses incurred during the year, 23,694 53 

Percentage of profits or surplus returned during 1876, 25-50 per cent. 

Average rate to date, 60 per cent. 

Highest rate of interest received during the year, 7 per cent. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCH- 
BURG. (Second Class.) 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Agricultural Branch Railroad bonds, . . $3,000 00 $3,000 00 

Personal loans, 27,475 00 



$30,475 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $41,610 72 

Stocks, bonds, etc., as per schedule, . . . 30,475 00 

Cash deposited in the Fitchburg Nat'l Bank, . 794 37 

deposited in various savings banks, . . 3,000 00 

Premiums in course of collection (net), . . 885 92 

Interest due and accrued, 3,151 71 

Gross Assets, 



,917 72 



Liabilities. 

Adjusted losses and claims, due and unpaid, 
Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 
Rents, salaries, office, agency and incidental 
expenses, ...... 

Gross Liabilities, . . . 

Surplus, 



>1,000 00 

2,000 00 

8,612 58 

45 95 

64 61 



11,723 14 



,194 58 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, . 
Received for interest from all sources, 



$15,310 03 
800 38 



$14,509 65 
4,025 71 



Gross Cash Income, $18,535 36 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, .... 

for rents, ....... 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



,878 11 
1,480 25 
871 33 
145 17 
161 00 
430 29 



,966 15 



Miscellaneous. 

Risks outstanding December 31, 1875, . . $961,366 00 
written during 1876, .... 801,753 00 

Total, $1,763,119 00 

Risks terminated during 1876, . . . .... 911,939 00 

Net amount in force December 31, 1876, . .... 851,180 00 

Deposit notes received on outstanding risks, .... 17,225 66 

Losses incurred during the year, . ..... 10,401 36 

Highest rate of interest received during the year, 7 per cent. 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, GREEN- 
FIELD. 

[Incorporated February 11, 1828. Commenced business September 12, 1829.] 

William Keith, President. Secretary, Gorham D. Williams. 

Office, Main Street. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 5-20 registered bonds, 
44 shares First Natl Bank, Greenfield, . 
5 " Franklin County Nat'l Bank, . 
32 " Shelburne Falls Bank, . 
185 " Greenfield Gas Light Company, 
Personal note, indorsed, . ■ , 



Par value. 


Market value. 


$9,500 00 


$10,450 00 


4,400 00 


5,720 00 


500 00 


625 00 


3,200 00 


3,840 00 


8,250 00 


7,585 00 


. 


300 00 



28,520 00 



1876.] 



INSURANCE COMPANIES. 



33 



Securities held as collateral for cash loans : — 

10 shares Nat'l City Bank, Boston, . 

10 " Taunton Nat'l Bank, .... 



Loaned thereon. 

$1,000 00 
1,000 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $2,950 00 

Stocks, bonds, etc., as per schedule, . . . 28,520 00 

Loans on collateral security, as per schedule, . 2,000 00 

Cash deposited in the First Nat'l Bank, . . 973 77 

deposited in the Windham Prov. Inst., . 886 66 

Premiums in course of collection (net), . . 4,312 50 

Interest due and accrued, 853 30 

Office furniture, ..... $800 00 

Gross Assets, 

• 

Liabilities. 

Losses and claims adjusted, but not due, . . $1,644 88 

Claimed and reported losses, not adjusted, . 3,161 00 
Owing for borrowed money, secured by 44 

shares First Nat'l Bank, 10 shares Shelburne 

Falls Nat'l Bank, . . . . . . 5,059 58 

Unearned premiums on outstanding risks, . 35,296 30 
Dividends of profits unpaid on terminated 

policies, 336 27 

State and local taxes, due or accrued, . . 17 17 
Rents, salaries, office, agency and incidental 

expenses, 175 00 

Gross Liabilities, 

Balance against the company, 



$40,496 23 



45,690 20 
$5,193 97 



Income. 
Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received for interest on morto-ao;es, . 

for interest from all other sources, 

for rents, 

Deposit notes received during the year, . 

Gross Cash Income, $16,608 81 



$16,156 99 




1,493 70 






$14,663 29 
157 50 




• . . 


1,739 02 


. . . 


49 00 


$29,326 58 





Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, . 

for interest on borrowed money, 

for state and local taxes, 



$18,703 95 

2,280 11 

598 72 

17 49 

182 75 



34 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Paid for profits or surplus on terminated policies, . . . $3,909 47 

for rents, 150 00 

for office, agency and incidental expenses, . » . . 418 94 

Gross Cash Expenditures, • . $26,261 43 

Miscellaneous. 

Risks outstanding December 31, 1875, . $5,536,536 00 
written during 1876, . . . 1,295,754 00 

Total, $6,832,290 00 

Risks terminated during 1876, 1,323,240 00 

Net amount in force December 31, 1876, .... $5,509,050 00 
Deposit notes received on outstanding risks, . . . 141,185 22 

Losses incurred during the year, 17,810 25 

Percentage of profits or surplus returned during 1876, 50-25 per cent. 
Highest rate of interest received during the year, 7 per -cent. 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, GROVE- 
LAND. 

[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

Moses Foster, President. Secretary, Nath'l H. Griffith. 

Office , No. 2 Common Street. 

[This company charges no cash premium, but relies upon assessments 
on deposit notes to pay losses and expenses.] 

Summary of Assets, December 31, 1876. 

Cash in the office of the company, . . . $63 62 

Gross Assets - — • $63 62 

Liabilities. 
Owing for borrowed money, secured by treas- 
urer's notes, $2,415 00 

Gross Liabilities, __ $2,415 00 

Income. 

Received from assessments on deposit notes, .... $43 59 

from all other sources ; viz., policy fees, . . . 109 00 

Deposit notes received during the year, . . $10,65196 

Gross Cash Income, $152 59 

Expenditures. 
Gross amount paid for losses during the year, . . . $2,128 10 
Paid for salaries and fees of officers and employes, . . 440 23 



1876.] INSURANCE COMPANIES. 35 

Paid for interest on borrowed money, $34 55 

for state and local taxes, . . ..... 30 

for rents, 25 00 

for office, agency and incidental expenses, ... 45 12 

Gross Cash Expenditures, . . ...... $2,673 30 

Miscellaneous. 

Risks outstanding December 31, 1875, . $1,331,844 00 
written during 1876, .... 194,465 00 

Total, $1,526,309 00 

Risks terminated during 1876, 179,242 00 

Net amount in force December 31, 1876, . . . . $1,347,067 00 

Deposit notes received on outstanding risks, .... 67,734 60 

Losses incurred during the year, . . .... 2,128 10 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1832.] 

Samuel T. Spaulding, President. Secretary, Harvey Kirkland. 

Office, Main Street. 

Detailed Statement of Stocks, Bonds, Etc. 

United States bonds, 6s, . 
" " 5-20 bonds, . 
" 10-40 bonds, 
20 shares Northampton Nat'l Bank, . 
53 " Connecticut River Railroad, 
Personal loans, 



Par value. 


Market value. 


#8,000 00 a 




8,000 00 


> $27,000 00 


8,000 00 J 




2,000 00 


2,600 00 


5,300 00 


6,996 00 




2,000 00 




$38,596 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), $11,700 00 
Stocks, bonds, etc., as per schedule, . . . 38,596 00 
Cash in the office of the company, . . . 1,082 35 

deposited in the Northampton Nat'l Bank, 1,882 81 

Interest due and accrued, 1,444 99 

Office furniture and safe, .... $500 00 

Gross Assets, $54,706 15 

Liabilities, 

Unearned premiums on outstanding risks, . $23,032 03 
Dividends of profits unpaid on terminated 
policies, 168 04 






36 MASSACHUSETTS MUTUAL FIKE [Dec. 31, 

State and local taxes, due or accrued, . . $15 00 

Rents, salaries, office, agency and incidental 

expenses, 100 00 

Gross Liabilities, ■ $23,315 07 



Surplus, 



$31,391 08 



Income. 

£ross cash premiums received during the year, $7,245 59 
Deduct return premiums and re-insurance, . 369 70 

Net cash premiums received, 

Received for interest on mortgages, 

for interest from all other sources, .... 
Deposit notes received during the year, . . $14,491 18 



^6,875 89 

256 88 

2,947 23 



Gross Cash Income, .' $10,080 00 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, . 

for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$8,283 26 

693 51 

1,465 00 

69 56 

2,974 54 

150 00 

274 86 

$13,910 73 



Miscellaneous. 

Risks outstanding December 31, 1875, 

written during 1876, 
Total, . . . . . . . 

Risks terminated during 1876, . 



!,451,664 00 
567,190 00 



-$4,018,854 00 
618,920 00 



Net amount in force December 31, 1876, . . . . $3,399,934 00 
Deposit notes received on outstanding risks, .... 92,128 12 

Losses incurred during the year, 8,283 86 

Percentage of profits or surplus returned during 1876, 40 per cent. 

Average rate to date, 40 per cent. 

Highest rate of interest received during the year, 7 T % per cent. 



1876.] 



INSURANCE COMPANIES. 



37 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[Incorporated March 4, 1826. Commenced business September 1, 1826.] 

Amos Bates, President. Secretary, Calvin A. Lincoln. 

Office at Hingham. 



Detailed Statement of 



United States bonds, 1881, 
" " 5-20 bonds, . 

" " 10-40 bonds, 

Rhode Island state bonds, 6s, 

Maine state bonds, 6s, 

Portland city bonds, 6s, 

Plymouth water scrip, 

Hull town note, 

57 shares Hingham Nat'l Bank, 

60 ' 

15 ' 

10 ' 

19 ' 

29 • 

12 ' 

34 ' 

26 ' 

15 ■ 

45 ■ 

92 ' 

76 



1 Old Colony Nat'l Bank, 
Abington Nat'l Bank, . 
Globe Nat'l Bank, 
1 Hamilton Nat'l Bank, 
Eagle Nat'l Bank, 
Union Nat'l Bank, 
State Nat'l Bank, ■ . 
1 North America Nat'l Bank 
' Commerce Nat'l Bank, 
1 Webster Nat'l Bank, . 
' Old Colony Railroad, 
' Boston and Albany Railroad, 
Boston and Albany Railroad bonds, 7s, 
Boston and Lowell Railroad bonds, 7s, 
Boston and Maine Railroad bonds, 7s, 
Eastern Railroad notes, 7s, 
Personal loan, K . . . . 



Stocks, Bonds, Etc. 

Par value. 

.$8,500 00 
17,000 00 
3,000 00 
3,000 00 
15,000 00 
3,000 00 
4,000 00 
3,500 00 
3,990 00 
6,000 00 
1,500 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,500 00 
4,500 00 
9,200 00 
7,600 00 
5,000 00 
10,000 00 
10,000 00 
5,000 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $4,000 00 

Loans on mortgage of real estate (first liens), 139,350 00 

Stocks, bonds, etc., as per schedule, . . . 147,529 50 

Cash in the office of the company, ... 34 24 

deposited in the Hingham Nat'l Bank, . 6,993 36 

deposited in the New England Trust Co,, 4,839 10 

deposited in the Hingham Institution for 

Savings . 1,215 96 

Premiums in course of collection (net), . . 2,108 31 

Interest due and accrued, 4,093 25 

Gross Assets, — 



Market value. 

|9,690 00 
18,967 50 
3,408 75 
3,300 00 
16,650 00 
3,090 00 
4,000 00 
3,500 00 
3,990 00 
7,500 00 
2,010 00 
1,200 00 
2,280 00 
3,277 00 
1,828 50 
3,808 00 
2,730 00 
1,702 50 
4,578 75 
9,522 00 
9,709 00 
5,700 00 
10,500 00 
11,000 00 
2,587 50 
1,000 00 

$147,529 50 



$310,163 72 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Liabilities. 

Unearned premiums on outstanding risks, 

State and local taxes, due or accrued, 

Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



Surplus, 



$169,382 49 
48 22 

185 00 



Income. 

Gross cash premiums received during the year, 
Received for interest on mortgages, . 

for interest from all other sources, 

from all other sources, 
Deposit notes received during the year, . 

Gross Cash Income, 



$95,991 46 



$169,615 


71 


. $140,548 01 


$18,491 67 


7,142 


24 


9,581 


24 


191 


00 



,406 15 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$23,164 91 

4,484 05 

3,122 00 

273 98 

25,822 48 

947 78 



$57,815 20 



Miscellaneous. 

Risks outstanding December 31, 1875, .. $19,977,429 00 
written during 1876, .... 2,747,081 00 



Total, 



-$22,724,510 00 



Risks terminated during 1876, 2,133,498 00 

Net amount in force December 31, 1876, . . . . $20,591,012 00 
Deposit notes received on outstanding risks, . . . 672,840 48 

Losses incurred during the year, 23,164 91 

Percentage of profits or surplus returned during 1876, 75-80 per cent. 

Average rate to date, 80 per cent. 

Highest rate of interest received during the year, 8 per cent. 



1876.] INSURANCE COMPANIES. 39 

i 
HOME MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated May 4, 1876. Commenced business May 6, 1876.] 

Charles A. Stott, President. Secretary, Walter S. Edwards. 

Office, No. 242 Washington Street. 

Summary of Assets, December 31, 1876. 

Cash in the office of the company, . . . $106 40 

deposited in the Five Cents Savings Bank, 1,000 00 

deposited in the Mercantile Savings Bank, 500 00 

deposited in the New England Trust Co., 1,759 82 

Premiums in course of collection (net), . . 4,985 02 

Rent due and accrued, . . . . . 40 00 

Gross Assets, ___ $8,691 24 

Liabilities, 

Losses and claims adjusted, but not due, . . $ 1,789 89 

Claimed and reported losses, not adjusted, . 1,150 00 

Unearned premiums on outstanding risks, . 7,723 23 

Rents 125 00 

Gross Liabilities, . . . . . 10,788 12 

Balance against the company, $2,096 88 

Income. 

Gross cash premiums received during the year, $8,894 29 
Deduct return premiums and re-insurance, . 188 31 

Net cash premiums received, .... $8,705 98 

Received for interest on mortgages, 19 96 

Gross Cash Income, $8,725 94 

Expenditures. 

Gross amount paid for losses during the year, . . . . $1,818 02 

Paid for brokerage and commissions, 758 35 

for salaries and fees of officers and employes, , . 1,367 08 

for state and local taxes, 57 61 

for rents, 176 67 

for office, agency and incidental expenses, , . . 1,083 57 

Gross Cash Expenditures, $5,261 30 

Miscellaneous. 

Risks written during 1876, $1,025,905 50 

terminated during 1876, 144,014 50 

Net amount in force December 31, 1876, $881,891 00 

Losses incurred during the year, 3,607 91 



40 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 

J. K. Fellows, President. Secretary, James Cook. 

Office, No. 49 Central Street. 





Detailed Statement of Stocks 


, Bonds, Etc. 








Par value. 


Market value. 


Unite 


I States 5-20 bonds, .... 


$13,200 00 


$14,982 00 


t< 


" 10-40 bonds, 


500 00 


562 50 


ce 


" bonds, 1881, 


2,550 00 


2,924 75 


Edwardsville town bond, .... 


1,000 00 


775 00 


Lyon 


county bonds, 


1,000 00 


980 00 


29 shares Vermont and Canada Railroad, 


2,900 00 


493 00 


6 ' 


' Vermont and Massachusetts Railroad 


600 00 


627 00 


4 


' Massachusetts Cotton Mills, 


4,000 00 


4,200 00 


9 ' 


' Lowell Manufacturing Company, 


6,210 00 


5,130 00 


8 


' Franklin Manufacturing Company, 


800 00 


640 00 


2 


' Appleton Company, . 


2,000 00 


1,650 00 


2 


" Merrimack Manufacturing Company 


2,000 00 


2,500 00 



,760 00 $35,464 25 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the First Nat'l Bank, . 

deposited in savings bank, 

Premiums in course of collection (net), . 

Interest due and accrued, .... 

Gross Assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
Gross Liabilities, .... 



S3, 500 00 




35,464 25 




396 29 




769 54 




1,300 00 




571 74 




1,160 00 






843,161 82 




. $11,330 19 






11,330 19 





Surplus, 



11,831 63 



Income. 
Gross cash premiums received during the year, $8,792 51 
Deduct return premiums and re-insurance, . 224 45 

Net cash premiums received, . . . . 

Received for interest from all sources, 

for rents, 

Deposit notes received during the year, . . $26,377 53 

Gross Cash Income, . . ..... 



18,568 06 

1,876 87 

150 00 



$10,594 93 



1876.] 



INSUKANCE COMPANIES. 



41 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes 
for state and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, . 

Risks terminated during 1876, . 



$1,578,603 00 
. 754,026 00 



$641 


66 


235 


94 


1,379 


43 


54 49 


3,142 


68 


300 00 


279 


24 



1,033 44 



1,332,629 00 
661,416 00 



Net amount in force December 31, 1876, .... $1,671,213 00 
Deposit notes received on outstanding risks, .... 67,981 08 

Losses incurred during the year, 641 66 

Percentage of profits or surplus returned during 1876, 40 per cent, on 1 

year policies, and 50 per cent, on all others. 
Highest rate of interest received during the year, 6 per cent. 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business August 1, 1828.] 

Thos. B. Newhall, President. Secretary, Wm. F. Johnson. 

Office, No. 1 Savings Bank Building. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Chicago city bonds, $4,000 00 $4,200 00 

Cambridge city bonds, 2,000 00 2,100 00 

Somerville city bonds, 5,000 00 5,250 00 

Lynn city bonds, 5s, 1,000 00 1,050 00 

Cleveland city bonds, ..... 1,700 00 1,751 00 

50 shares First Nat'l Bank, Lynn, . . . 5,000 00 6,000 00 

30 " Nat'l City Bank, Lynn, . . . 3,000 00 4,200 00 

5 " Central Natl Bank, Lynn, . . . 500 00 700 00 

10 " Merchants' Nat'l Bank, Boston, . . 1,000 00 1,400 00 

Cedar Rapids and Mo. R. Railroad bonds, . 4,000 00 3,960 00 

Loaned on personal security, .... - 1,300 00 

$31,911 00 

Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), $8,000 00 
Stocks, bonds, etc., as per schedule, . . . 31,911 00 
6 



42 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Cash in the office of the company, . 

deposited in the Nat 1 l City Bank, 

deposited in savings banks, 

Interest due and accrued, 

Office furniture and safe, . . . $600 00 
Gross Assets, 



$316 45 




503 


19 




3,320 


93 




719 


17 


$44,770 74 



Liabilities. 
Unearned premiums on outstanding risks, . $18,410 77 
Dividends of profits unpaid on terminated 

policies, 287 80 

Gross Liabilities, 18,698 57 



Surplus, $26,072 17 

Income. 
Gross cash premiums received during the year, $ 4,539 11 
Deduct return premiums and re-insurance, . 300 89 

Net cash premiums received, ..... $4,238 22 

Received for interest on mortgages, . . .... 557 50 

for interest from all other sources, .... 1,977 79 

from all other sources ; viz., policy fees, . . . 236 00 

Deposit notes received during the year, . . $18,156 44 

Gross Cash Income, f 7,009 51 

Expenditures. 

Gross amount paid for losses during the year, . . . . $10 00 

Paid for salaries and fees of officers and employes, . . 1,200 00 

for state and local taxes, 18 43 

for profits or surplus on terminated policies, . . . 2,443 18 

for rents, 150 00 

for office, agency and incidental expenses, . . . 233 74 

Gross Cash Expenditures, $4,055 35 

Miscellaneous. 
Risks outstanding December 31, 1875, . $1,687,462 00 
written during 1876, . . . . 317,025 00 

Total, $2,004,487 00 

Risks terminated during 1876, 381,850 00 

Net amount in force December 31, 1876, .... $1,622,637 00 
Deposit notes received on outstanding risks, ... . 96,773 55 

Losses incurred during the year, 10 00 

Percentage of profits or surplus returned during 1876, 50 per cent. 

Average rate to date, 75 per cent. 

Highest rate of interest received during the year, 8 per cent. 



1876.] 



INSURANCE COMPANIES. 



43 



MERCHANTS AND FARMERS' MUTUAL FIRE INSURANCE COM- 
PANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business January 1, 1847.] 

Isaac Davis, President. Secretary, Elijah B. Stoddard. 

Office, No. 240 Main Street. 



Detailed Statement of Stocks, Bonds, Etc., 

Par value. 

$20,000 00 
2,000 00 
5,000 00 
1,300 00 
2,000 00 
800 00 
19,800 00 



Worcester and Nashua Railroad bond, 
20 shares Westminster Nat'l Bank, . 
50 " Wachusett Nat'l Bank, 
13 " Mechanics' Nat'l Bank, 
20 " Central Nat'l Bank, . 
8 " Quinsigamond Nat'l Bank, 
Lawrence city bond, .... 
Providence and Worcester Railroad loan, 
Personal loans, 



Securities held as collateral for cash loans : — 



Market value. 

$20,000 00 

2,000 00 

5,200 00 

1,750 00 

2,700 00 

1,072 00 

19,800 00 

25,000 00 

19,100 00 



5,622 00 



United States bonds, . 



Market value. Loaned thereon. 

$1,700 00 $1,700 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . ' $50,000 00 
Loans on mortgage of real estate (first liens), 14,500 00 
Stocks, bonds, etc., as per schedule, . . . , 96,622 00 
Loans on collateral security, as per schedule, . 1,700 00 
Cash in the office of the company, . . . 332 23 

deposited in the First Nat'l Bank, . . 25,000 00 
deposited in the Quinsigamond Nat'l B'k, 19,314 22 
Premiums in course of collection (net), . . 5,279 50 

Interest due and accrued, 500 00 

Gross Assets, . . . . . 

Liabilities. 
Losses and claims adjusted, but not due, . . $6,796 00 
Unearned premiums on outstanding risks, . 118,200 70 
Return premiums on cancelled policies, . . ^ 
Dividends of profits unpaid on terminated I 1,000 00 

policies, J 

Gross Liabilities, — 



Surplus, 



Income. 
Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 



$62,743 38 
2,126 42 



$213,247 95 



$125,996 70 



,251 25 



,616 96 



44 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Received for interest on mortgages, $962 50 

for interest from all other sources, .... 7,004 16 

for rents, 2,655 00 

Deposit notes received during the year, . . $62,121 55 

Gross Cash Income, $71,238 62 



Expenditures. 

Gross amount paid for losses during the year, .... $33,840 24 

Paid for brokerage and commissions, . . . . . 7,748 93 

for salaries and fees of officers and employes, . . 6,918 00 

for state and local taxes, 1,546 48 

for profits or surplus on terminated 

policies, 16,768 75 

for rents, 2,000 00 

for office, agency and incidental expenses, . . . 2,442 12 

Gross Cash Expenditures, $71,264 52 

Miscellaneous. 

Risks outstanding December 31, 1875, . $17,224,748 00 

written during 1876, 4,606,599 00 

Total, . $21,831,347 00 

Risks terminated during 1876, . 6,152,385 00 

Net amount in force December 31, 1876 $15,678,962 00 

Deposit notes received on outstanding risks, .... 206,401 40 

Losses incurred during the year, . . .... 29,188 42 

Percentage of profits or surplus returned during 1876, 12£ and 25 per 

cent. 
Highest rate of interest received during the year, 7 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER. 

[Incorporated February 20, 1828. Commenced business April 1, 1828.] 

Samuel Gray, President. Secretary, Joseph A. Smart. 

Office at Andover. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds, 6s, f 27,000 00 



Cleveland city bonds, 
Albany city bonds, . 
Boston city bonds, 
Chicago city water bonds, 
St. Louis city bonds, . 
Cincinnati city bonds, 
Charlestown city bonds, 



10,000 00 
10,000 00 
2,000 00 
12,000 00 
6,000 00 
4,000 00 
5,000 00 



Market value. 

$32,805 00 

10,550 50 

11,000 00 

2,120 00 

12,780 00 

6,180 00 

4,240 00 

5,500 00 



1876.] 



INSUEANCE COMPANIES. 



45 



Norwich city bonds, . 

Fall River city bonds, 

Northampton town bonds, 

Maine state bonds, 

Boston and Maine Railroad bonds, 

Boston and Providence Railroad bonds, 

Boston and Lowell Railroad bonds, . 



$5,000 00 
5,000 00. 
5,000 00 

10,000 00 
5,000 00 
5,000 00 
5,000 00 



$5,250 00 
5,320 00 
5,200 00 

10,770 00 
5,500 00 
5,750 00 
5,150 00 



$116,000 00 $128,115 50 



Securities held as collateral for cash loans :— 
30 shares Nat'l Bank of Methuen, . 



Loaned thereon. 

, $3,000 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $7,000 00 

Stocks, bonds, etc., as per schedule, . . . 128,115 50 

Loans on collateral security, as per schedule, . 3,000 00 

Cash in the office of the company, . . . 656 54 

deposited in the Andover Nat'l Bank, . 13,415 27 

deposited in the savings banks, . . 5,000 00 

Premiums in course of collection (net), . . 3,698 82 

Interest due and accrued, 3,411 00 

Gross Assets, — f 164,327 13 



Liabilities. 

Losses and claims adjusted, but not due, . . $5,152 25 

Unearned premiums on outstanding risks, . 89,908 56 
Dividends of profits unpaid on terminated 

policies, 1,480 21 

Rents, salaries, office, agency and incidental 

expenses, ■ . . 185 00 

Gross Liabilities, 96,726 02 

Surplus, $67,601 11 



Income. 
Gross cash premiums received during the year, $52,798 72 
Deduct return premiums and re-insurance, . 1,722 55 

Net cash premiums received, .... — ■ 

Received for interest on mortgages, ; 

for interest from all other sources, .... 
Deposit notes received during the year, . . $47,739 15 



Gross Cash Income, 



Expenditures. 

Gross amount paid for losses during the year, 
Paid for brokerage and commissions, 



$51,076 17 

490 00 

7,993 11 



,559 28 



,195 02 
7,419 62 



46 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$4,718 25 

444 61 

12,315 95 

1,248 91 

$52,342 36 



Miscellaneous. 
Risks outstanding December 31, 1875, . $11,490,126 00 



written during 1876, 
Total, .... 
Risks terminated during 1876, 



3,397,511 00 

$14,887,637 00 

2,535,036 00 



Net amount in force December 31,1876, . . . . $12,352,60100 
Deposit notes received on outstanding risks, . . . 179,817 12 

Losses incurred during the year, . . ... 23,460 70 

Percentage of profits or surplus returned during 1876, 40 and 50 per cent. 
Average rate to date, 35 per cent. 
Highest rate of interest received during the year, 7^ per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 

George Heywood, President. Secretary, Richard Barrett. 

Office at Concord. 

. Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Concord town loan, - $15,000 00 

15 shares Merchants' Nat'l Bank, Boston, . ,$1,500 00 2,100 00 

40 " Webster Nat'l Bank, Boston, . . 4,000 00 4,070 00 

25 " Eliot Natl Bank, Boston, . . 2,500 00 2,762 50 

53 " Boston Nat'l Bank, Boston, . . 5,300 00 6,360 00 

54 " Howard Natl Bank, Boston, . . 5,400 00 6,129 00 
40 " Revere Nat'l Bank, Boston, . . 4,000 00 4,380 00 
67 " Blackstone Nat'l Bank, Boston, . 6,700 00 7,738 50 

113 " Shawmut Nat'l Bank, Boston, . . 11,300 00 13,560 00 

18 " State Nat'l Bank, Boston, . . 1,800 00 2,016 00 

20 " Faneuil Hall Nat'l Bank, Boston, . 2,000 00 2,680 00 

44 " North America Nat'l Bank, Boston, 4,400 00 4,620 00 

33 " Concord Nat'l Bank, . . . 3,300 00 4,620 00 

40 " Boston and Albany Railroad, . . 4,000 00 5,110 00 

22 " Fitchburg Railroad, . . . . 2,200 00 2,376 00 

50 " Philadelphia, Wil. and Bal. Railroad, 2,500 00 3,050 00 

Boston and Albany Railroad bonds, 7s, . . 40,000 00 45,600 00 

Personal loans, - 12,300 00 



$144,472 00 



1876.] 



INSURANCE COMPANIES. 



47 



Securities held as collateral for cash loans :- 

155 shares No. Chicago Rolling Mill, 

10 " Concord Nat'l Bank, 

10 " " " " 

Mortgage on real estate, .... 



Market value. Loaned thereon. 



$15,500 00 

1,400 00 

1,400 00 

30,000 00 



$10,000 00 

1,000 00 

1,000 00 

16,000 00 



$48,300 00 $28,000 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in the Concord Nat'l Bank, 
Premiums in course of collection (net), . 
Interest due and accrued, . . . 
Gross Assets, . . . 



$17,500 00 

101,900 00 

144,472 00 

28,000 00 

3,486 66 

18,933 71 

8,698 99 

4,488 25 



$327,479 61 



Liabilities. 

Claims for losses disputed or resisted, . . $800 00 

Unearned premiums on outstanding risks, . 134,881 51 
Dividends of profits unpaid on terminated 

policies, 326 25 

State and local taxes, due or accrued, . . 44 66 

Gross Liabilities $136,052 42 

Surplus, $191,427 19 

Income. 

Gross cash premiums received during the year, . . . $55,284 42 

Received for interest on mortgages, 5,792 70 

for interest from all other sources, .... 10,713 19 

for rents, 390 00 

from all other sources, 113 00 

Deposit notes received during the year, . . $54,423 16 

Gross Cash Income, $72,293 31 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 
for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 



,134 36 

5,890 67 

6,182 20 

414 31 

25,462 29 

2,258 59 



$60,342 42 



48 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 
Risks outstanding December 31, 1875, . $17,196,336 00 
written during 1876, .... 3,630,962 00 

Total, — $20,827,298 00 

Risks terminated during 1876, 3,036,795 00 

Net amount in force December 31, 1876, .... $17,790,503 00 
Deposit notes received on outstanding risks, . . . 269,763 02 

Losses incurred during the year, 20,134 36 

Percentage of profits or surplus returned during 1876, 50 and 60 per cent. 
Highest rate of interest received during the year, 1\ per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated April 30, 1851. Commenced business January 1, 1852.] 

A. A. Cook, President. Secretary, George G. Parker. 

Office at Milford. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

10 shares Milford Nat'l Bank, .... $1,000 00 $1,260 00 

9 " Hide and Leather Nat'l Bank, . . 900 00 999 00 

Personal loans, - 4,000 00 



1,259 00 



Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $6,259 00 

Cash in the office of the company, . . . 561 86 

Premiums in course of collection (net), . . 490 91 

Interest due and accrued, . . * . . 18 00 
Office furniture, . . . . . $100 00 

Gross Assets, $7,329 77 

Liabilities. 

Claims for losses disputed or resisted, . . $50 00 

Unearned premiums on outstanding risks, . 4,122 62 
Dividends of profits unpaid on terminated 

policies, 32 00 

Gross Liabilities, _____ 4,204 62 



Surplus, $3,125 15 

Income. 
Gross cash premiums received during the year, $1,954 70 
Deduct return premiums and re-insurance, . 42 47 

Net cash premiums received, .... $1,912 23 

Received for interest from all sources, 400 37 

Deposit notes received during the year, . . $3,909 40 

Gross Cash Income, . $2,312 60 



1876.] 



INSURANCE COMPANIES. 



49 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes 
for state and local taxes, . . . 
for profits or surplus on terminated policies, 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$1,068 70 


104 


22 


323 


59 


18 


32 


411 


11 


59 


65 



$1,985 59 



Miscellaneous. 

Risks outstanding December 31, 1875, 
■written during 1876, 

Total, 

Risks terminated during 1876, . 



|769,253 00 
160,810 00 



$930,063 00 
154,767 00 



Net amount in force December 31, 1876, $775,296 00 

Deposit notes received on outstanding risks, .... 16,490 50 

Losses incurred during the year, 1,118 70 

Percentage of profits or surplus returned during 1876, 25 per cent. 

Average rate to date, 25 per cent. 

Highest rate of interest received during the year, 6 per cent. 



MILL OWNERS' MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated June 13, 1870. Commenced business August 1, 1873.] 

Wm. H. Kent, President. Secretary, Fred'k S. Cabot. 

Office, No. 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Somerville city loan, $5,000 00 $5,050 00 

Corporation notes, - 35,000 00 



Summary of Assets, December 31, 1876. 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the Nat'l Eagle Bank, 
Premiums in course of collection (net), 
Interest due and accrued, . 

Office furniture, $300 00 

Gross Assets, 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross Liabilities, 

Surplus, ...... ... $20,085 13 

7 





$40,050 00 


31, 1876. 




$40,050 00 




94 99 




9,972 99 




534 39 




166 63 






$50,819 00 




$30,733 87 






30,733 87 





50 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, $63,535 07 

Deduct return premiums and re-insurance, 

Net cash premiums received, 

Received for interest from all other sources, 

Deposit notes received during the year, . 



Gross Cash Income, 



1,416 14 



$307,338 75 



$62,118 93 
2,167 24 

$64,286 17 



Expenditures. 

Gross amount paid for losses during the year, . . . . $2,472 44 

Paid for salaries and fees of officers and employes, . . 6,500 00 

for state and local taxes, . 350 66 

for profits or surplus on terminated 

policies, . 31,231 71 

for rents, . . 500 00 

for office, agency and incidental expenses, . . 1,773 00 



Gross Cash Expenditures, $42,827 81 

Miscellaneous. 

Risks outstanding December 31, 1875, . $4,344,369 33 
written during 1876, .... 6,370,187 00 

Total, $10,714,556 33 

Risks terminated during 1876, 4,553,025 33 



Net amount in force December 31, 1876, $6,161,531 00 

Deposit notes received on outstanding risks, .... 307,338 75 

Losses incurred during the year, 2,472 44 

Percentage of profits or surplus* returned during 1876, 70 1 2 ff 5 o per cent. 
Highest rate of interest received during the year, 6 per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated February 23, 1827. Commenced business July 26, 1827.] 

W. C. Sturtevant, President. Secretary, Frank R. Young. 

Office, corner Main and Elm Streets. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, $7,500 00 $8,255 00 

75 shares Second Nat'l Bank, Springfield, . 7,500 00 13,125 00 

61 " Chicopee Nat'l Bank, Springfield, . 6,100 00 9,760 00 

15 " John Hancock Nat'l B'k, Springfield, 1,500 00 1,875 00 

10 " First Nat'l Bank, Springfield, . . 1,000 00 1,250 00 

25 " Chapin Banking and Trust Co., . 2,500 00 3,250 00 

10 " Monson Nat'l Bank, .... 1,00000 1,30000 

10 " First Nat'l Bank, Chicopee, . . 1,000 00 1,500 00 

50 " Hadley Falls Nat'l Bank, Holyoke, . 5,000 00 6,500 00 



1876.] 



INSURANCE COMPANIES. 



51 



66 shares Na^l Bank of Commerce, Boston, 
50 " Boston and Albany Railroad, . 
Personal loan, 



Securities held as collateral for cash loans 
57 shares First Xat'l Bank, Springfield, . 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $27,100 00 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in the Chicopee Nat'l Bank, 
Interest due and accrued, .... 
Gross Assets, . . . 

Liabilities. 

Unearned premiums on outstanding risks, . $30,756 06 
Dividends of profits unpaid on terminated 

policies, 504 72 

Gross Liabilities, 



$6,600 00 
5,000 00 


$7,458 00 
6,400 00 
1,000 00 


$61,673 00 

Market value. Loaned thereon. 

$7,125 00 $7,000 00 



61,673 00 




7,000 00 




16 85 




2,525 62 




350 00 






$98,665 47 



31,260 78 



Surplus, $67,404 69 



Income. 
Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received for interest on morto-ao-es, . 

for interest from all other sources, 
from all other sources : policy fees, 
Deposit notes received during the year, . 



Gross Cash Income, 



,407 23 
831 53 



20,562 48 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



£9,575 70 

2,203 58 

3,993 74 

412 00 



,185 02 



$8,515 20 

2,590 00 

91 60 

5,835 38 

200 00 

296 00 

$17,528 18 



Miscellaneous. 
Risks outstanding December 31, 1875, 

written during 1876, 
Total, 



$3,915,415 00 
. 586,350 00 



t,501,765 00 



52 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Risks terminated during 1876, ....... $626,915 00 

Net amount in force December 31, 1876, .... $3,874,850 00 
Deposit notes received on outstanding risks, . . . . 123,024 25 

Losses incurred during the year, 6,015 20 

Percentage of profits or surplus returned during 1876, 75 per cent. 

Average rate to date, 75 per cent. 

Highest rate of interest received during the year, 7 per cent. 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 10, 1861. Commenced business July, 1864.] 

Amos Stone, President. Secretary, John R. Wolston. 

Office, No. 1 Chelsea Street, Charlestown District. 

Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), $2,620 00 

United States bonds, 

Cash in the office of the company, . . • . 
deposited in the Charlestown Five Cent 

Savings Bank, 

Premiums in course of collection (net), . 

Interest due and accrued, 

Bills receivable, . 

Gross Assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
State and local taxes, due or accrued, 

Gross Liabilities, ...... 

Surplus, . . $13,626 48 

Income, 

Gross cash premiums received during the year, $3,328 81 
Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 
Deposit notes received during the year, . 



3,267 50 




107 07 




19,509 16 




1,283 50 




377 97 




229 00 






$27,394 20 




$13,697 10 




70 62 




— 


13,767 72 



Gross Cash Income, 



51 89 



|3,276 92 

185 60 

1,075 89 



5,463 80 



t,538 41 



Expenditures. 

Gross amount paid for losses during the year, .... $666 66 

Paid for brokerage and commissions, 492 81 

for state and local taxes, . 32 23 



1876.] 



INSURANCE COMPANIES. 



53 



Paid for profits or surplus on terminated policies, . 
for rents, 



Gross Cash Expenditures, .' 

Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, . 

Risks terminated during 1876, . 



$734 12 
377 79 

12,303 61 



$1,358,900 00 
273,010 00 



-$1,631,910 00 
298,600 00 



Net amount in force December 31, 1876, .... $1,333,310 00 
Losses incurred during the year, . . ... 666 66 

Percentage of profits or surplus returned during 1876, 25 per cent. 
Average rate to date, 25 per cent. 
Highest rate of interest received during the year, 8 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, NEW- 

BURYPORT. 

[Incorporated February, 1829. Comnfenced business May 1, 1829.] 

Amos Noyes, President. Secretary ; Joseph J. Knapp. 

Office, No. 24 Stale Street. 



Detailed Statement of Stocks, Bonds, Etc. 



Lowell city bonds, 6s, 

Lawrence city bonds, 6s, . 

Fall River city bonds, 6s, . 

Hyde Park town bonds, 6s, 

100 shares Merchants' Nat'l Bank, 
18 " Mechanics' Nat'l Bank, 
31 " Ocean Nat'l Bank, . 
15 " Washington Nat'l Bank, 

Eastern Railroad bonds, 7s, 

Corporation notes, 



Par value. 

$2,000 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 
1,800 00 
1,550 00 
1,500 00 
5,500 00 



Summary of Assets, December 31, 1876. 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the Merchants' Nat'l Bank, . 
deposited in the Savings Institution, 
deposited in the Newburyport Five Cent 

Savings Bank, 

Interest due and accrued, 

Office furniture, . . . . ' . $225 40 
Gross Assets, 



$18,827 


25 


15 


63 


581 


20 


1,125 


48 


1,120 


00 


75 


00 



Market value. 

$2,120 00 
1,060 00 
1,060 00 
1,050 00 
3,000 00 
2,340 00 
1,999 50 
2,000 00 
2,807 75 
1,390 00 

,827 25 



$21,744 56 



54 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 

Unearned premiums on outstanding risks, 
Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



Surplus, 



t,431 08 

200 00 



$4,631 08 
$17,113 48 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, .... 
Received for interest from all other sources, 

for rents, 



,114 48 
62 17 



from all other sources ; viz., policy fees, $53.01 ; 

premiums forfeited, $41.80, 

Deposit notes received during the year, . . $2,228 96 



Gross Cash Income, 



; 1,052 31 

1,458 03 

8 00 

94 81 



$2,613 15 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for salaries and fees of officers and employes, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, ....... 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$25 00 


275 00 


96 


1,039 13 


100 00 


48 02 



.,488 11 



Miscellaneous. 

Risks outstanding December 31, 1875, 
written during 1876, 

Total, • . 

Risks terminated during 1876, . 



$725,610 00 
94,250 00 



$819,860 00 
94,950 00 



Net amount in force December 31, 1876, $724,910 00 

Deposit notes received on outstanding risks, .... 17,724 34 

Losses incurred during the year, . . . . . . 25 00 

Percentage of profits or surplus returned during 1876, 100 per cent. 

Average rate to date, 100 per cent. 

Highest rate of interest received during the year, 6 per cent. 



1876.] 



INSURANCE COMPANIES. 



55 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated February 12, 1825. Commenced business July 1, 1825.] 

Ira Cleveland, President. Secretary, George D. Gordon. 

Office at Dedham. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, $39,000 00 $44,255 00 

Chicago city sewerage loans, 7s, 7,000 00 7,280 00 

Cincinnati city bonds, 7 T %s, .... 25,000 00 26,250 00 

Marquette and Ontonagon Railroad bonds, 8s, 32,000 00 31,040 00 

Phila. and Reading Railroad bonds, 7s, . . 8,000 00 8,000 00 

Personal loan, - 400 00 

$117,225 00 



Securities held as collateral for cash loans : — 
125 shares Boston Wharf Company, 



Market value. Loaned thereon. 

7,000 00 5,000 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, , . $17,500 00 

Loans on mortgage of real estate (first liens), 105,250 00 

Stocks, bonds, etc., as per schedule, . . . 117,225 00 

Loans on collateral security, as per schedule, . 5,000 00 

Cash deposited in the Dedham Nat'l Bank, . 9,430 89 

Premiums in course of collection (net), . . 5,515 13 

Interest due and accrued, 4,820 19 

Bills receivable, 472 50 

Gross Assets, $265,213 71 

Liabilities. 

Adjusted losses and claims, due and unpaid, . $427 40 

Losses and claims adjusted, but not due, . . 1,600 00 

Claimed and reported losses, not adjusted, . 815 00 

Unearned premiums on outstanding risks, . 130,409 16 

Return premiums on cancelled policies, . . 177 48 
Dividends of profits unpaid on terminated 

policies, 5,391 82 

Rents, salaries, office, agency and incidental 

expenses, 825 00 

Gross Liabilities 139,645 86 

Surplus, $125,567 85 



Income. 
Gross cash premiums received during the year, 
Received for interest on mortgages, . 

for interest from all other sources, , 



$43,724 54 
6,918 60 
7,601 40 



56 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

$1,330 00 



Received for rents, . . . . 

Deposit notes received during the year, . 



$84,222 98 



Gross Cash Income, $59,574 54 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$20,137 87 

6,752 78 

3,594 49 

534 17 

20,447 43 

1,203 49 

$52,670 23 



Miscellaneous. 

Risks outstanding December 31, 1875, . $15,115,979 00 
written during 1876, . . . 2,639,748 00 



-$17,755,727 00 



Total, 

Risks terminated during 1876, 2,593,510 00 



Net amount in force December 31, 1876, .... $15,162,217 00 
Deposit notes received on outstanding risks, . . . 509,636 62 

Losses incurred during the year, 22,616 77 

Percentage of profits or surplus returned during 1876, 25 and 50 per cent. 
Highest rate of interest received during the year, 8 per cent. 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commencdi, business 1851.] 

Israel W. Munroe, President. Secretary, Chas. A. Howland. 

Office at Quincy. 



Detailed Statement of 

United States registered bonds, 6s, 
" " 5-20 registered bonds, 

200 shares Manufacturers' Nat'l Bank, 

40 

58 

25 
100 

66 

48 

61 

50 



Merchants' Nat'l Bank, 
Third Nat'l Bank, . 
State Natl Bank, 
North Nat'l Bank, . 
Washington Nat'l Bank, 
Second Nat'l Bank, . 
Blackstone Nat'l Bank, 
First Nat'l Bank, 



Stocks, Bonds, Etc. 

Par value. 
$10,000 00 

20,000 00 
5,000 00 

20,000 00 
4,000 00 
5,800 00 
2,500 00 

10,000 00 

6,600 00 

• 4,800 00 

6,100 00 

5,000 00 



Market value. 

$11,350 00 

22,000 00 
5,650 00 

20,400 00 
5,600 00 
6,960 00 
2,850 00 

1.2,500 00 
9,240 00 
6,960 00 
7,176 00 

10,200 00 



1876.] 



INSURANCE COMPANIES. 



57 



50 shares Revere Nat'l Bank, . 

50 " Hamilton Nat'l Bank, 

175 " Mt. Wollaston Nat'l Bank, 

25 " Granite Natl Bank, . 

100 " Wachusett Nat'l Bank, . 

52 " Hingham Nat'l Bank, 

38 " First Nat'l Bank, 

105 " Old Colony and Newport Railroad, 

124 " Boston and Albany Railroad, 

5 " Citizens' Gas Light Company, 



$5,000 00 

5,000 00 

17,500 00 

2,500 00 

10,000 00 

3,640 00 

3,800 00 

10,500 00 

12,400 00 

500 00 



f5,500 00 
6,250 00 

28,000 00 
3,375 00 

10,000 00 
4,160 00 
5,130 00 

10,815 00 

15,872 00 
750 00 



70,640 00 $210,738 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

107 shares Hingham Cordage Company, . . $11,770 00 $10,000 00 
17 " Lawrence Cotton Duck Company, . . 20,400 00 15,000 00 



132,170 00 $25,000 00 



Summary op Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash in the office of the company, . 

deposited in the Mt. Wollaston Nat'l Bank, 
deposited in the Manufacturers' Nat'l B'k, 

Premiums in course of collection (net), . 

Interest due and accrued, 

Gross Assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 

policies, 

State and local taxes, due or accrued, 
Salaries, office, agency and incidental expenses, 
Gross Liabilities, 



$8,500 00 

60,900 00 

210,738 00 

25,000 00 

592 00 

8,186 26 

21,491 91 

12,846 37 

8,492 28 



$201,331 90 



$356,746 82 



Surplus, 



800 00 




122 91 




450 35 






202,705 16 






$154,041 66 



Income. 

Gross cash premiums received during the year, $104,294 81 



Deduct return premiums and re-insurance, 
Net cash premiums received, . 
Received for interest on mortgages, . 

for interest from all other sources, 
Deposit notes received during the year, . 



Gross Cash Income, 
8 



25 00 



$104,294 81 



$104,269 81 

3,509 76 

13,981 07 

$121,760 64 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, . 

for profits or surplus on terminated policies, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$24,415 32 

15,82 L 18 

8,636 90 

1,522 42 

29,982 05 

4,471 71 

184,849 58 



Miscellaneous. 



Risks outstanding December 31, 1875, 

written during 1876, 

Total, 

Risks terminated during 1876, . 

re-insured during 1876, . 
Total deductions, 



$26,138,693 00 
7,344,315 00 



$7,507,751 00 
2,000 00 



-$33,483,008 00 



7,509,751 00 



Net amount in force December 31, 1876, .... $25,973,257 00 
Deposit notes received on outstanding risks, . . . 402,878 80 

Losses incurred during the year, 23,676 32 

Percentage of profits or surplus returned during 1876, 15 to 40 per cent. 
Highest rate of interest received during the year, 9 per cent. 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Charles S. Nichols, President. Secretary, Wm. S. Felton. 

Office, No. 97 Washington Street, 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

City of Chelsea bond, . . . . . $1,000 00 $1,065 00 

City of Toledo bond, 8s, . . . . . 1,C00 00 1,090 00 

Springfield city bonds, 7s, • 1,000 00 1,150 00 

Cincinnati city bonds, 7 t 3 qS, .... 1,000 00 1,025 00 

Cleveland city bonds, 7s, . . . . . 1,000 00 1,090 00 

Cincinnati city bonds, 7s, 1,000 00 1,070 00 

Chicago city bonds, 7s, . . • . . . 1,000 00 1,065 00 

Chicago city bonds, 6s, 1,000 00 1,000 00 

St. Louis city bonds, 6s, 1,000 00 1,000 00 

20 shares Salem Nat'l Bank, . . . • . 2,000 00 2,280 00 

14 " Asiatic Nat'l Bank, . . . . 420 00 574 00 

5 " Natl Exchange Bank, . . . 500 00 585 00 

6 " Cambridge Horse Railroad, . . 600 00 660 00 
Boston and Maine Railroad bond, 7s, . . 1,000 00 1,100 00 
Worcester and Nashua Railroad bond, 7s, . 1,000 00 1,050 00 



1876.] INSURANCE COMPANIES. 59 

Eastern Railroad bond, 7s, .... $1,000 00 $515 00 

Essex Railroad bond, 6s, . . . . . 1,000 00 510 00 

15 shares Salem Gas Light Company, . . 1,500 00 1,485 00 

2 " Lynn Gas Light Company, . . 200 00 140 00 

$18,220 00 $18,454 00 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $5,300 00 

Stocks, bonds, etc., as per schedule, . . . 18,454 00 
Cash in the office of the company, and deposited 

in bank, 3,839 96 

Premiums in course of collection (net), . . 742 09 

Interest due and accrued, ..... 386 95 

Gross Assets $28,723 00 

Liabilities. 

Claimed and reported losses, not adjusted, . $1,772 10 

Unearned premiums on outstanding risks, . 9,929 12 
Dividends of profits unpaid on terminated 

policies, 425 45 

State and local taxes, due or accrued, . . 10 52 

Salaries, office, agency and incidental expenses, 475 00 

Gross Liabilities, . . . . . . 12,612 19 



Surplus, $16,110 81 

Income. 

Gross cash premiums received during the year, $8,688 94 
Deduct return premiums and re-insurance, . 192 43 

Net cash premiums received, .... $8,496 51 

Received for interest on mortgages, 467 74 

for interest from all other sources, .... 1,249 10 
Deposit notes received during the year, . . $11,990 72 



Gross Cash Income, $10,213 35 

Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, . . 

for salaries and fees of officers and employes, 

for state and local taxes, 

for profits or surplus on terminated policies, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$20 00 


65 


82 


1,396 


00 


45 


29 


3,329 71 


85 


43 



$4,942 25 



Miscellaneous. 
Risks outstanding December 31, 1875, . $1,263,267 00 
written during 1876, .... 570,625 00 
Total, , $1,833,892 00 



60 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Risks terminated during 1876, . 
re-insured during 1876, . 
Total deductions, . 



$676,542 00 
1,000 00 
$677,542 00 



Net amount in force December 31, 1876, .... $1,156,650 00 

Deposit notes received on outstanding risks, .... 19,721 13 

Losses incurred during the year, . ..... 20 00 

Percentage of profits or surplus returned during 1876, 30 per cent. 

Average rate to date, 50 per cent. 

Highest rate of interest received during the year, 8 per cent. 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business December 1, 1855.] 

David L. Dearborn, President. Secretary, Wm. C. Binney. 

Office, No 11 Main Street. 

Summary of Assets, December 31, 1876. 
Cash deposited in the bank, .... $3,845 88 
Premiums in course of collection (net), . . 24 00 

Office safe, $100 00 

Gross Assets, ' $3,869 88 

Liabilities. 

Unearned premiums on outstanding risks, . $1,367 71 
Dividends of profits unpaid on terminated 

policies, . 1 36 

Gross Liabilities, 1,369 07 

Surplus, . . . [ y $2,500 81 

Income. 

Gross cash premiums received during the year, . . . $342 00 

Received for interest from all sources, . . .... 190 89 

Deposit notes received during the year, . . $3,420 00 

Gross Cash Income, . $532 89 

Expenditures. 

Paid for salaries and fees of officers and employes, . . $100 00 

for state and local taxes, 2 30 

for profits or surplus on terminated policies, ... 30 89 

Gross Cash Expenditures, $133 19 

Miscellaneous. 

Risks outstanding December 31, 1875, . . $391,518 00 
written during 1876, .... 42,200 00 
Total, $433,718 00 



1876.] 



INSURANCE COMPANIES. 



61 



Risks terminated during 1876, $38,650 00 

Net amount in force December 31, 1876, $395,068 00 

Deposit notes received on outstanding risks, .... 27,354 13 
Percentage of profits or surplus returned during 1876, 10 per cent. 
Average rate to date, 10 per cent. 
Highest rate of interest received during the year, 6 per cent. 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated February 24, 1852. Commenced business April 1, 1852.] 

Harmon Hall, President. Secretary, Wilbur F. Newhall. 

Office at East Sangus. 

[Note. — This company insures nothing but dwellings, farm buildings 
and their contents, in Lynn, Saugus, Lynnfield, Swampscott and Nahant. 
No cash premiums are taken, but assessments are made on deposit notes, 
to pay losses and expenses. All policies are issued for a term of three 
years.] 

Summary of Assets, December 31, 1876. 



Cash in the office of the company, 
Net amount of unpaid assessments, 
Office furniture, .... 
Gross Assets, . ' . 



$543 43 
350 00 



$400 00 



Liabilities. 

Claimed and reported losses, not adjusted, 
Owing for borrowed money, secured by direct- 
ors' notes, 

Gross Liabilities, 



$2 00 
1,800 00 



Income. 

Received from assessments on deposit notes, . . ... 

for rents, 

from all other sources; viz., policy fees, 
Deposit notes received during the year, . . $110,896 00 



Gross Cash Income, 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for salaries and fees of officers and employes, 
for interest on borrowed money, 
for state and local taxes, .... 

for rents, 

. for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 



$893 43 



$1,802 00 



>2,059 66 

70 00 

575 00 



J,704 66 



$1,269 


50 


1,250 


00 


88 


75 


21 


33 


175 


00 


302 


77 



1,107 35 



62 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 
Risks outstanding December 31, 1875, . $2,589,720 00 
written during 1876, .... 911,40000 

Total, . . . $3,501,120 00 

Risks terminated during 1876, 946,550 00 



Net amount in force December 31, 1876, . 
Deposit notes received on outstanding risks, 
Losses incurred during the year, 
Assessments laid on deposit notes, . 
Highest rate paid, 7 per cent. 



1,554,570 00 

308,016 00 

1,271 50 



$2,273 25 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced business August 1, 1829.] 

Isaac B. Elliot, President. Secretary, G. A. Osborne. 

Office at Peabody. 



Detailed Statement of Stocks, 

United States bonds, .... 
Boston city bonds, 6s, ... 
Cincinnati city bonds, 7 1 3 qS, 
48 shares Warren Natl Bank, Peabody, 
45 ' 
51 ' 
20 ' 
18 ' 
12 ' 
34 « 
8 ' 
30 ' 
Eastern Railroad bonds, 



South Danvers Natl Bank, Peabody, 
Asiatic Natl Bank, Salem, 
Naumkeag Nat 1 ! Bank, Salem, . 
Nat 1 ] Exchange Bank, Salem, . 
First Natl Bank, Salem, . 
First Natl Bank, Danvers, 
Andover Natl Bank, Andover, . 
Natl Hyde and Leather B'k, Boston 



Bonds, Etc. 

Par value. 

$6,000 00 
3,000 00 
3,000 00 
4,800 00 
4,500 00 
1,530 00 
2,000 00 
1,800 00 
1,200 00 
2,550 00 
800 00 
3,000 00 
2,000 00 



Market value. 

$6,890 00 

3,300 00 

3,170 00 

6,720 00 

6,750 00 

1,938 00 

3,000 00 

2,106 00 

1,440 00 

3,060 00 

960 00 

3,240 00 

1,000 00 



$36,180 00 $43,574 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in the So. Danvers Natl Bank, 
Premiums in course of collection (net), . 

Interest due and accrued, 

Gross Assets, ...... 



$200 00 




43,574 00 




198 66 




2,209 17 




43 55 




330 00 






$46,555 38 



1876.] INSURANCE COMPANIES. 63 

Liabilities. 

Unearned premiums on outstanding risks, . $10,818 49 
Return premiums on cancelled policies, . . 486 25 

Salaries, 247 00 

Gross Liabilities, . . . . . — — $11,551 74 



Surplus, .'.'.. $35,003 64 

Income. 

Gross cash premiums received during the year, $3,715 87 
Deduct return premiums and re-insurance, . 42 75 

Net cash premiums received, . . . $3,673 12 

Received for interest on mortgages, ....... 12 00 

for interest from all other sources, .... 2,658 50 

from all other sources ; viz., policy fees, . . . 128 00 



Gross Cash Income, $6,471 62 

Expenditures. 

Gross amount paid for losses during the year, . . . . $1,069 20 

Paid for salaries and fees of officers and employes, . . 989 00 

for state and local taxes, 11 98 

for profits or surplus on terminated policies, . . . 2,489 97 

for office, agency and incidental expenses, ... 53 42 



Gross Cash Expenditures, $4,613 57 

Miscellaneous. 
Risks outstanding December 31, 1875, . . $992,080 00 
written during 1876, .... 171,575 00 

Total, ......... $1,163,655 00 

Risks terminated during 1876, 180,175 00 



Net amount in force December 31, 1876, ..... $983,480 00 
Deposit notes received on outstanding risks, .... 43,273 98 

Losses incurred during the year, 1,069 20 

Percentage of profits or surplus returned during 1876, 75 per cent. 
. Highest rate of interest received during the year, 8 per cent. 



64 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



TRADERS AND MECHANICS' INSURANCE COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced "business June, 1848.] 

Levi Sprague, President. Secretary, Edward M. Tucke. 

Office, No. 27 Central Street. 



Detailed Statement of Stocks, 



Cook county bonds, . 
United States bonds, . 
St. Albans village bonds, 
Lynn city bonds, 
Salem city bonds, 
Cambridge city bonds, 
Lowell city bonds, 

50 shares Conn. River Railroad, 
Boston and Lowell Railroad' bonds, 
Vermont and Mass. Railroad bonds, 
5 shares Lowell Manufacturing Co., 
8 

30 

50 

20 

50 
190 

30 



Merrimack Manufacturing Co., 
Tremont and Suffolk Mills, 
Vassalboro 1 Mills, 
Androscoggin Mills, . , 
Lowell Gas Co., 

Traders' and Mechanics' Ins. Co., 
Old Lowell Nat'l Bank, . 



Bonds, Etc. 

Par value. 

$2,500 00 
6,000 00 
3,000 00 
5,000 00 
3,000 00 
5,000 00 
3,000 00 
5,000 00 

15,000 00 
2,500 00 
3,450 00 
8,000 00 
3,000 00 
5,000 00 
2,000 00 
5,000 00 
" 19,000 00 
3,000 00 



Loaned on personal security, 



Securities held as collateral for cash loans : — 



3 shares Merrimack Manufacturing Co 
100 " Vassalboro' Mills, . 

50 " Nat'l Pemberton Bank, . 

84 " Nashua and Lowell Railroad, 
Vermont and Mass. Railroad bonds, 

50 shares Nat'l Pemberton Bank, 

25 " Lowell Gas Co , 
Chattel mortgage, . • 



Market value. 

$2,625 00 
6,780 00 
3,000 00 
5,250 00 
3,180 00 
5,300 00 
3,180 00 
6,500 00 

15,750 00 
2,600 00 
2,850 00 
9,600 00 
3,600 00 
3,750 00 
1,900 00 
7,250 00 

19,950 00 

3,750 00 

400 00 







$107,215 00 


ans '.^— 

Market value. Loaned thereon. 


> 


\ $10,500 00 


$5,000 00 




7,500 00 


7,000 00 


* 


8,400 00 


7,000 00 




5,000 00 


4,000 00 




7,500 00 


7,000 00 




3,500 00 


500 00 




2,000 00 


800 00 



$44,400 00 $31,300 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens), $75,200 00 
Stocks, bonds, etc., as per schedule, . . . 107,215 00 
Loans on collateral security, as per schedule, . 31,300 00 
Cash in the office of the company, and depos- 
ited in the Prescott Nat'l Bank, . - . . 4,283 81 
Premiums in course of collection (net), . . 2,459 20 
Interest due and accrued, . . . . . 1,605 25 
Gross Assets, 



$222,063 26 



1876.1 



INSUKANCE COMPANIES. 



65 



Liabilities. 

Claimed and reported losses, not adjusted, 

Unearned premiums on outstanding risks, 

Gross Liabilities, .... 



$1,000 00 
117,381 90 



$118,381 90 



Surplus, $103,681 36 

Income. 

Gross cash premiums received during the year, $55,437 24 
Deduct return premiums and re-insurance, . 1,612 31 

Net cash premiums received, .... 

Received for interest from all sources, 



Gross Cash Income, 



$53,824 93 
12,710 64 

,535 57 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 
for rents, ........ 



Gross Cash Expenditures^ 



$15,368 32 


7,188 72 


5,892 07 


522 13 


14,645 27 


150 00 



,766 51 



Miscellaneous. 

Risks outstanding December 31, 1875, . $14,861,734 00 
written during 1876, . . . 3,815,716 00 



Total, 

Risks terminated during 1876, 



-$18,677,450 00 
4,052,703 00 



Net amount in force December 31, 1876, .... $14,624,747 00 
Deposit notes received on outstanding risks, . . . 55,511 93 

Losses incurred during the year, 16,368 32 

Percentage of profits or surplus returned during 1876, 10-20-30 per cent. 
Highest rate of interest received during the year, 8 per cent. 



WESTFIELD MUTUAL FIRE INSURANCE COMPANY, 

WESTFIELD. 

[Incorporated March 30, 1852. Commenced business November 1, 1852.] 

James H. Waterman, President. Secretary, William H. Foote. 

Office at Westfield. 

Summary of Assets, December 31, 1876. 
Cash in the office of the company, . . . $276 69 

deposited in the Westfield Savings Bank, 1,125 00 

deposited in the Woronoco Savings Bank, 6,150 00 
9 



66 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

$181 87 
$7,733 56 



Interest due and accrued, . 
Office safe . 

Gross Assets, 



$390 00 



Liabilities. 

Unearned premiums on outstanding risks, 
Dividends of profits unpaid on terminated 

policies, 

State and local taxes, due or accrued, 

Salaries, 

Gross Liabilities, 



i,725 19 



42 30 




2 01 




17 00 






5,786 50 





Surplus, 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurancc, 
Net cash premiums received, .... 
Received for interest from all sources, 
Deposit notes received during the year, . 



Gross Cash Income, 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$1,947 06 



$2,220 11 
100 11 


$2,120 00 
413 99 


$4,423 72 



^2,533 99 



$677 96 


222 


01 


33 


00 


13 


61 


812 


63 


80 00 


77 


25 



$1,916 46 



Miscellaneous. 

Risks outstanding December 31, 1875, . . $855,106 00 
written during 1876, ' . . . . 167,935 00 

Total, $1,023,041 00 

Risks terminated during 1876, 196,291 00 

Net amount in force December 31, 1876, ..... $826,750 00 

Deposit notes received on outstanding risks, .... 22,900 74 

Losses incurred during the year, 677 96 

Highest rate of interest received during the year, 6 per cent. 



1876.] INSURANCE COMPANIES. 67 

WESTFORD MUTUAL FIRE INSURANCE COMPANY, WESTFORD. 

[Incorporated March 20, 1840. Commenced business July 1, 1840.] 

Allan Cameron, President. Secretary, J. Henry Read. 

Office at Westford. 

Summary of Assets, December 31, 1876. 

Cash in the office of the company, . . . $450 07 

Gross Assets, $450 07 

Liabilities. 

Unearned premiums on outstanding risks, . $3,089 57 

Gross Liabilities, ■ 3,089 57 

Balance against the company, $2,639 50 

Income. 

Gross cash premiums received during the year, . . . $842 15 

Deposit notes received during the year, . . $1,684 30 

Gross Cash Income, . $842 15 

Expenditures. 

Gross amount paid for losses during the year, .... $55 62 

Paid for salaries and fees of officers and employes, ... 28 08 

for interest on borrowed money, 9 64 

Gross Cash Expenditures, $93 34 

Miscellaneous. 
Risks outstanding December 31, 1875, . . $746,410 00 
written during 1876, .... 93,820 00 

Total, _ $840,230 00 

Risks terminated during 1876, 204,530 00 

Net amount in force December 31, 1876, $635,700 00 

Deposit notes received on outstanding risks, .... 12,358 30 

Losses incurred during the year, . . .... 55 62 

Highest rate of interest paid, 7 per cent. 



68 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated February 8, 1828. Commenced business April 4, 1828.] 

Wm. Merrill, President. Secretary, George W. Carr. 

Office at West Newbury. 

[Note. — This company charges no cash premium, but relies upon 
assessments on deposit notes to pay losses and expenses.] 

Summary of Assets, December 31, 1876. 
Office furniture, $31 00 

Liabilities. 
Owing for borrowed money, secured by treas- 
urer's note, $630 00 

State and local taxes, due or accrued, . . 74 

Rents, salaries, office, agency and incidental 

expenses, 341 00 

Gross Liabilities, $971 74 

Income. 
Received from assessments on deposit notes, .... $74 29 

from all other sources ; viz., policy fees, . . 112 50 

Deposit notes received during the year, . . $11,529 13 

Gross Cash Income, $186 79 

Expenditures. 

Gross amount paid for losses during the year, . . . $83 00 

Paid for brokerage and commissions, 2 28 

for salaries and fees of officers and employes, . . 199 75 

for interest on borrowed money, 30 00 

for rents, 11 00 

for office, agency and incidental expenses, ... 50 94 

Gross Cash Expenditures, $376 97 

Miscellaneous. 
Risks outstanding December 31, 1875, . $1,984,598 00 
written during 1876, .... 200,362 00 

Total, ... $2,184,960 00 

Risks terminated during 1876, 148,299 00 

Net amount in force December 31, 1876, .... $2,036,661 00 
Deposit notes received on outstanding risks, .... 96,909 08 

Losses incurred during the year, 83 00 

Highest rate of interest paid, 6 per cent. 



1876.] 



INSURANCE COMPANIES. 



69 



WEYMOUTH AND BRALNTREE MUTUAL FIRE INSURANCE 
COMPANY, WEYMOUTH. 

[Incorporated February 20, 1833. Commenced business August 1, 1833.] 

Naman L. White, President. Secretary, Elias Richards. 

Office at Weymouth. 

Detailed Statement of Stocks, Bonds, Etc. 



Central Pacific Railroad bonds, 

Union Pacific Railroad bonds, . 

Bur., Cedar Rapids and Minn. R. R. bonds, 

Nashua and Rochester Railroad bonds, . 

21 shares Bur., Cedar Rapids and Minn. R. R., 

Personal loans, 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Premiums in course of collection (net), . 
Office furniture, safe and fixtures, . $300 00 
Gross Assets, 

Liabilities. 

Losses and claims adjusted, but not due, . 
Unearned premiums on outstanding risks, 

Gross Liabilities, 



Par value. 


Market value. 


$2,000 00 


$2,140 00 


2,000 00 


2,080 00 


2,400 00 


1,440 00 


3,000 00 


3,000 00 


2,100 00 


630 00 


- 


533 33 




$9,823 33 


31, 1876. 




$9,823 33 




1,138 20 




417 10 






$11,378 63 


$568 50 


19,992 16 






20,560 66 





Balance against the company, 



1,182 03 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, . 
Received for interest from all other sources, 
Deposit notes received during the year, . 



Gross Cash Income, 



1,130 55 
826 93 



$12,086 06 



>,303 62 
710 19 



1,013 81 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, .... 

for profits or surplus on terminated policies, 

for rents, . . . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 



$7,110 03 


868 


40 


365 


20 


101 


39 


301 


17 


222 85 


272 55 



),241 59 



70 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Risks outstanding December 31, 1875, . $2,503,252 00 

written during 1876, 

Total, 

Risks terminated during 1876, 

re-insured during 1876, 
Total deductions, 



392,290 00 

— $2,895,542 00 

$932,761 00 
4,750 00 
937,511 00 



Net amount in force December 31, 1876, . . . . $1,958,03100 
Deposit notes received on outstanding risks, . . . 76,349 68 

Losses incurred during the year, 5,310 86 

Percentage of profits or surplus returned during 1876, 10 and 20 per cent. 
Highest rate of interest received during the year, 8 per cent. 



WHATELY MUTUAL FIRE INSURANCE COMPANY, WHATELY. 

[Incorporated May 13, 1873. Commenced business May 16, 1873.] 

Chester K. Waite, President. Secretary, Samuel Lesure. 

Office at Whately. 

[Note. — This company insures dwelling-houses, farm buildings and 
contents, only in the town of Whately, under section 10, chapter 375, Acts 
of 1872.] 

Summary of Assets, December 31, 1876. 
Cash in the office of the company, . . . $166 00 

Income. 

Gross cash premiums received during the year, . . . $0 .94 

Received from all other sources ; viz., policy fees, ... 1 00 

Deposit notes received during the year, . . $22 50 



Gross Cash Income, $1 94 

Miscellaneous. 

Risks outstanding December 31, 1875, . . $190,460 75 
written during 1876, .... 250 00 

Total, . . $190,710 75 

Deposit notes received on outstanding risks, .... 21,230 08 






1876.] INSUKANCE COMPANIES. 71 

WORCESTER MANUFACTURERS' MUTUAL INSURANCE COM- 
PANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 

George M. Rice, President. Secretary, Sam'l R. Barton. 

Office, No. 448 Main Street. 

Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

$26,000 00 $28,990 00 

15,000 00 16,575 00 

25,000 00 27,625 00 

15,000 00 17,100 00 

10,000 00 11,400 00 

6,000 00 6,900 00 

36,831 05 



Boston and Albany Railroad bonds, . 
Boston and Fitchburg Railroad bonds, 
Old Colony Railroad bonds, 
United States registered bonds, 

" " coupon bonds, 

60 shares City Nat'l Bank, 
Corporation notes, indorsed, 



$145,421 05 



Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $145,421 05 

Cash in the office of the company, . . . 112 47 
deposited in the Worcester Safe Deposit 

and Trust Company, .... 21,040 00 

Gross Assets, $166,573 52 

Liabilities. 

Unearned premiums on outstanding risks, . $74,046 03 
Dividends of profits unpaid on terminated 

policies, 9,543 54 

State and local taxes, due or accrued, . . 257 25 

Gross Liabilities, 83,846 82 

Surplus, $82,726 70 

Income. 
Gross cash premiums received during the year, $148,092 05 
Deduct return premiums and re-insurance, . 2,127 31 

Net cash premiums received, .... $145,964 74 

Received for interest from all sources, 9,555 81 

Deposit notes received during the year, . . $732,264 80 

Gross Cash Income, $155,520 55 

Expenditures. 

Gross amount paid for losses during the year, .... $42,260 38 

Paid for salaries and fees of officers and employes, . . 3,400 00 

for state and local taxes, 1,473 48 

for profits or surplus on terminated policies, . . . 114,678 70 



72 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Paid for rents, . . . . 

for office, agency and incidental expenses, 



$600 00 
1,376 31 



Gross Cash Expenditures, $163,788 87 

Miscellaneous. 
Risks outstanding December 31, 1875, . $16,283,070 00 



written during 1876, 
Total, . . * . 

Risks terminated during 1876, 



16,156,768 00 



-$32,439,838 00 
16,283,070 00 



Net amount in force December 31, 1876, . . . . $16,156,768 00 
Deposit notes received on outstanding risks, .... 732,264 80 

Losses incurred during the year, 32,439 38 

Percentage of profits or surplus returned during 1876, 70-j 8 ^ per cent. 

Average rate to date, 79 t 6 o 8 q per cent. 

Highest rate of interest received during the year, 7 per cent. 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated February, 1823. Commenced business May, 1824.] 

Anthony Chase, President. Secretary, Chas. M. Miles. 

Office, No. 377 Main Street. 



Detailed Statement of Stocks, 



United States bonds, . 

170 shares Worcester Nat'l Bank, 

132 " City Nat'l Bank, 
50 " Citizens' Nat'l Bank, 
22 " Central Nat'l Bank, . 
57 " Mechanics' Nat'l Bank, 
45 " Quinsigamond Nat'l Bank, 
40 " Fitchburg Nat'l Bank, 
15 " Blackstone Nat'l Bank, 
20 " Oxford Nat'l Bank, . 
15 " Grafton Nat'l Bank, . 
15 " Southbridge Nat'l Bank, 
30 " Westboro' Nat'l Bank, 
50 " Wachusett Nat'l Bank, 

Union Pacific Railroad stock, . 

Boston, Barre and Gardner Railroad stock, 

Fitchburg and Worcester Railroad bonds, 

Loaned on personal security, . 



Bonds, Etc 

Par value. 

$7,000 00. 

17,000 00 

13,200 00 
5,000 00 
2,200 00 
5,700 00 
4,500 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
1,500 00 
3,000 00 
5,000 00 
2,000 00 

12,500 00 
1,500 00 



Market value. 

$8,200 00 

23,800 00 

18,480 00 

7,250 00 

3,080 00 

7,980 00 

5,625 00 

6,000 00 

1,650 00 

2,200 00 

1,650 00 

1,650 00 

3,450 00 

5,000 00 

2,000 00 

12,500 00 

1,500 00 

56,200 00 



$168,215 00 



1876.] 



INSURANCE COMPANIES. 



73 



Securities held as collateral for cash loans : — 

150 shares Worcester Gas Light Company, 
15 " Worcester Gas Light Company, 

4 " Norwich and Worcester Railroad, 

5 " Norwich and Worcester Railroad, 
10 " Bay State Hotel Company, 
50 " Crompton Carpet Company's stock, 



Market value. Loaned thereon. 



. $18,000 00 


$15,000 00 


1,800 00 


1,500 00 


520 00 


400 00 


650 00 


500 00 


800 00 


300 00 


:, 5,000 00 


2,500 00 



$26,770 00 $20,200 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $80,000 00 
Loans on mortgage of real estate (first liens), 172,480 72 
Stocks, bonds, etc., as per schedule, . . . 168,215 00 
Loans on collateral security, as per schedule, . 20,200 00 
Cash in the office of the company, and depos- 
ited in bank, 10,087 76 

Premiums in course of collection (net) , . . 479 38 

Interest due and accrued, ...'.. 7,595 80 

Gross Assets, 



$459,058 66 



Liabilities. 

Adjusted losses and claims, due and unpaid, 
Unearned premiums on outstanding risks, 
Gross Liabilities, 



$6,500 00 
237,162 75 



243,662 75 



Surplus, 



$215,395 91 



Income. 

Gross cash premiums received during the year, . . . $106,453 04 

Received for interest from all sources, 21,608 27 

for rents, 6,745 46 

Deposit notes received during the year, . . $209,716 18 



Gross Cash Income, $134,806 77 



Expenditures. 

Gross amount paid for losses during the year, . 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for state and local taxes, . 

for profits or surplus on terminated policies, , 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 
10 



$34,786 79 
7,544 53 
9,170 70 
2,238 05 
55,077 54 
4,012 47 

$112,830 08 



74 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Risks outstanding December 31, 1875, . $30,707,018 00 
written during 1876, . . . 6,997,959 00 

Total, $37,704,977 00 

Risks terminated during 1876, 6,976,265 00 

Net amount in force December 31, 1876, .... $30,728,712 00 
Deposit notes received on outstanding risks, . . . . 948,651 00 

Losses incurred during the year, 32,131 48 

Percentage of profits or surplus returned during 1876, 60 per cent. 
Average rate to date, 60 per cent, 



1876.] 



INSURANCE COMPANIES. 



75 



AGGKEGATE. 



Gross present Assets, 



Assets. 



Liabilities. 
Gross present Liabilities, . 



Income. 
Cash received for premiums during the year, 
for interest and dividends, . . . 
from assessments on deposit notes, 

for rents, 

from all other sources, . 



Gross Cash Income, . 



Expenditures. 

Cash paid for losses, 

for brokerage and commissions on premiums, 
for salaries and fees of officers and employes, 
for interest on borrowed money or otherwise, 

for state and local taxes, 

for return premiums, 

for rents, . . . . . 

for all other expenditures, .... 



Gross Cash Expenditures, . 



General Items. 

Whole amount of risks outstanding at end of year, 
deposit notes received thereon, 
risks written during the year, .... 
risks terminated during the year, . 
losses incurred during the year, 



1,647,078 37 



1,475,550 47 



^,725,126 85 

240,445 76 

21,366 57 

14,330 81 

2,602 79 



>,003,872 78 



$625,902 03 

102,225 19 

139,048 06 

797 30 

16,461 20 

889,804 35 

16,684 75 

47,192 54 



.,838,115 42 



$357,936,632 74 

10,761,025 24 

158,191,242 84 

150,080,303 03 

587,028 48 



MASSACHUSETTS MUTUAL FIEE 
INSURANCE COMPANIES, 

WITH GUARANTEE CAPITAL. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1876. 



78 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

Guarantee Capital, $100,000. 

Augustus Story, President. Secretary, Thomas H. Johnson. 

Office, No. 114 Washington Street. 



Detailed Statement of Stocks, 



United States 5-20 bonds, 1865, 6s, . 
" " " 1867,6s, . 
Massachusetts state bonds, 1893, 5s, gold 
New Hampshire state bonds 1897, 6s, 
Licking Co., Ohio, bonds, 1882, 7-30, 
Chelsea city bonds, 1892, 6s, 
Cambridge city bonds, 1884, 6s, 
Cincinnati city bonds, 1904, 7s, . 
Cleveland city bonds, 1879, 7s, . 
Chicago city bonds, 1894, 7s, 
Hartford city bonds, 1891, 6s, . 
Lynn city bonds, 1884, 6s, . 
Lowell city bonds, 1890, 6s, 
Lawrence city bonds, 1894, 6s, . 
Milwaukee city bonds, 1891, 5s, 

1896,7s, 
Minneapolis city bonds, 1894, 8s, 
Portland city bonds, 1887, 6s, . 
Portland water co. bonds, 1888, 6s, 
Salem city bonds, 1891, 6s, 
St. Louis city bonds, 1887, 6s, gold, 

31 shares Nat'l Exchange Bank, Salem, 

10 

35 

39 
140 

65 

50 

20 

15 



First Nat'l Bank, Salem, . 
Mercantile Nat'l Bank, Salem, 
Naumkeag Nat'l Bank, Salem, 
Salem Nat'l Bank, Salem, 
Nat'l Bank of Commerce, Boston, 
Nat'l Bank of Republic, Boston, 
Blackstone Nat'l Bank, Boston, 
Freeman's Nat'l Bank, Boston, 



Bonds, Etc. 

Par value. 

$6,500 00 

27,500 00 

4,000 00 

4,000 00 

5,000 00 

17,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

4,000 00 

5,000 00 

2,500 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

3,100 00 

1,000 00 

3,500 00 

3,900 00 

14,000 00 

6,500 00 

5,000 00 

2,000 00 

1,500 00 



Market value. 

$7,312 50 

31,968 75 

4,580 00 

4,440 00 

5,175 00 

18,190 00 

11,000 00 

5,375 00 

5,150 00 

5,375 00 

10,500 00 

5,350 00 

4,280 00 

5,350 00 

2,250 00 

5,350 00 

5,350 00 

5,150 00 

3,750 00 

10,900 00 

10,600 00 

3,627 00 

1,250 00 

4,095 00 

6,006 00 

15,960 00 

7,345 00 

6,600 00 

2,300 00 

1,695 00 



1876.] 



WITH GUAKANTEE CAPITAL. 



79 



30 shares Globe Nat'l Bank, Boston, 

80 " Merchants 1 Nat'l Bank, Boston, 
40 " Nat'l Revere Bank, Boston, 
75 " Second Nat'l Bank, Boston, 
50 " Union Market Nat'l B'k, Watertown, 
100 " Pittsburg, Fort Wayne and Chicago 

R.R., 7s, 

50 " Ogdensburg and Lake Champlain 
R. R., ...... 

31 " Old Colony Railroad, 

50 " Portland, Portsm'th and Saco R. R., 
Chicago, Burling'n and Qujncy R. R. bonds, 7s, 

Eastern Railroad bonds, 

Old Colony Railroad bonds, 7s, . 
Michigan So. and No. Ind. R. R. bonds, 7s, 
Philadelphia and Reading R. R.reg'd bonds, 7s, 
Vermont and Canada R. R. bonds, 8s, 
Central New Jersey Railroad bonds, 7s, . 
Union Pacific Railroad bonds, 6s, gold, ! 



13,000 00 

8,000 00 

4,000 00 

7,500 00 

5,000 00 



$3,600 00 

11,200 00 

4,380 00 

10,800 00 

4,900 00 



10,000 00 10,200 00 



5,000 00 


600 00 


3,100 00 


3,301 50 


5,000 00 


2,500 00 


16,500 00 


18,067 50 


21,000 00 


10,815 00 


5,000 00 


5,050 00 


3,500 00 


3,605 00 


10,000 00 


10,000 00 


2,000 00 


600 00 


5,000 00 


4,350 00 


5,000 00 


5,300 00 



1314,600 00 $325,543 25 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

125 shares Phillips Wharf Company, Salem, . $12,500 00 $10,000 00 



Other cash loans : — 
Waltham town loan, , 



Market value. 
$5,050 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 



$55,000 00 



Loans on mortgage of real estate (first liens) , 6,500 00 

Stocks, bonds, etc., as per schedule, . . . 325,543 25 

Loans on collateral security, as per schedule, . 10,000 00 

Other cash loans 5,050 00 

Cash in the office of the company, . . . 4,400 65 

deposited in the Salem Nat'l Bank, . . 10,904 72 

Premiums in course of collection (net), . . 1,293 95 

Interest due and accrued, 3,737 72 

Rents due, . . . . . ... . 122 50 

Gross Assets, 

Liabilities. 

Claimed and reported losses, not adjusted, . $1,210 00 

Unearned premiums on outstanding risks, . 161,081 56 

Return premiums on cancelled policies, . . 247 97 

Div'ds of profits unpaid on terminated policies, 531 50 

Gross Liabilities, 



$422,552 79 



163,071 03 



Surplus, $259,481 76 



80 MASS. MUTUAL FIRE INS. COS. [Dec. 31, 

Income. 

Gross cash premiums received during the year, $108,250 19 
Deduct return premiums and re-insurance, . 2,443 35 

Net cash premiums received, . . . . $105,801 84 

Received for interest on mortgages, 459 50 

for interest from all other sources, .... 18,646 95 

for rents, 3,602 23 

from all other sources ; viz., bank tax refunded, . 1,078 70 
Deposit notes received during the year, . . $104,608 05 

Gross Cash Income, .' . . .... $129,589 22 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, . 
for profits or surplus on terminated policies, , 
for office, agency and incidental expenses, 
for dividends on guarantee capital, . 



$25,942 42 

16,526 27, 

7,507 00 ' 

2,503 06 

12,222 23 

2,284 32 

10,000 00 



Gross Cash Expenditures, . . ....... $76,985 30 

Miscellaneous. 

Risks outstanding December 31, 1875, . $21,976,362 72 
written during 1876, . . . 7,929,469 42 

Total, $29,905,832 14 

Risks terminated during 1876, 8,636,158 74 



Net amount in force December 31, 1876, .... $21,269,67340 
Deposit notes received on outstanding risks, . . . 322,163 12 

Losses incurred during the year, 26,852 42 

Percentage of profits or surplus returned during 1876, 20 per cent. 
Highest rate of interest received during the year, 8 per cent 
Highest rate paid, 6 per cent. 

Whole amount of net profits reserved for the security of the insured, as 
required by section 11, chapter 375, Acts of 1872, $39,870.44. 



1876.] 



WITH GUARANTEE CAPITAL. 



81 



MASSACHUSETTS MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated December 21, 1872. Commenced business Jannary 1, 1873.] 



Guarantee Capital, 



#200,000 00 



Chas. B. Cumings, President. Secretary, John M. Corbett. 

Office, No. 39 Court Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

150 shares Tremont Nat'l Bank, . . . $15,000 00 $16,650 00 

80 " Hamilton Nat'l Bank, . . . 8,000 00 9,200 00 

100 " Merchants' Nat'l Bank, . . . 10,000 00 14,000 00 

70 " Nat'l Union Bank, .... 7,000 00 10,640 00 

160 " New England Nat'l Bank, . . 16,000 00 22,400 00 

100 " Columbian Nat'l Bank, . . . 10,000 00 14,400 00 

25 " Globe Nat'l Bank, .... 2,500 00 3,000 00 

100 " Nat'l Webster Bank, . : . 10,000 00 10,200 00 

Eastern Railroad bonds, 16,000 00 8,260 00 

Nashua and Rochester Railroad bonds, . . 10,000 00 9,000 00 

Boston and Lowell Railroad notes, ... - 10,000 00 

$127,750 00 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $151,000 00 

Stocks, bonds, etc., as per schedule, . . . 127,750 00 

Cash deposited in the New England Trust Co., 10,158 98 

Premiums in course of collection (net), . . 279 41 

Interest due and accrued, 2,656 52 

Gross Assets, $291,844 91 

Liabilities. 

Claimed and reported losses, not adjusted, . $560 00 

Unearned premiums on outstanding risks, . 57,642 94 
Dividends of profits unpaid on terminated 

policies, 2 50 

Gross Liabilities, . . . . 58,205 44 

Surplus, $233,639 47 

Income. 
Gross cash premiums received during the year, $11,140 35 
Deduct return premiums and re-insurance, . 1,036 17 

Net cash premiums received, .... $10,104 18 

Received for interest on mortgages, . . ...... 10,642 70 

for interest from all other sources, .... 8,756 27 

for rents, 300 00 

Gross Cash Income, $29,803 15 

11 



82 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



Expenditures. 

Gross amount paid for losses during the year, . 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes 
for interest on borrowed money, 
for state and local taxes, .... 
for profits or surplus on terminated policies, 

for rents, 

for office, agency and incidental expenses, 
for dividends on guarantee capital, . 



Gross Cash Expenditures, 



$3,499 77 


826 


97 


8,302 


88 


4 08 


2,383 


19 


111 


34 


3,000 


00 


2,399 


88 


22,000 


00 


$42,528 


11 



Miscellaneous. 

Risks outstanding December 31, 1875, . $12,225,135 00 
written during 1876, . 

Total, 

Risks terminated during 1876, . 



896,445 00 

—$13,121,580 00 

247,690 00 



Net amount in force December 31, 1876, .... $12,873,89000 

Losses incurred during the year, 4,059 77 

Percentage of profits or surplus returned during 1876, 25 per cent. 

Average rate to date, 25 per cent. 

Highest rate of interest received during the year, 7 per cent. 

Highest rate paid, 2\ per cent. 

Whole amount of net profits reserved for the security of the 

insured, as required by sect. 11, chap. 375, acts of 1872, . $363 13 

Dividends in arrears or percentage of dividends to which 
the holders of the guarantee capital would be entitled, in 
case the profits were sufficient therefor (2 per cent.), . 4,000 00 



MECHANICS 1 MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated May, 1875. Commenced business May, 1875.] 

Guarantee Capital, #200,000 00 

Alfred Bicknell, President. Secretary, Joseph S. Parsons. 

Office, No, 45 Milk Street. 

Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

Metropolitan Railroad bonds, .... $10,000 00 $10,750 00 

Andover and Lowell Railroad bonds, . . 10,000 00 9,600 00 

Eastern Railroad bonds and scrip, . . . 10,590 33 5,467 26 

Boston and Albany Railroad stock, . . . 10,000 00 12,800 00 

and Maine Railroad stock, . . . 10,000 00 9,975 00. 

United States bonds, 25,000 00 29,156 25 

District of Columbia bonds, .... 5,000 00 3,662 50 



1876.] 



WITH GUAKANTEE CAPITAL. 



83 



Central Nat'l Bank stock, . . • 
Hide and Leather Nat'l Bank stock, , 
Everett Nat'l Bank stock, . 
Nat'l Bank of North America stock, 
Webster Bank stock, 



$2,500 00 


$2,475 00 


700 00 


763 00 


1,000 00 


1,190 00 


1,300 00 


1,365 00 


2,000 00 


2,060 00 


$88,090 33 


$89,264 01 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $110,321 00 

Stocks, bonds, etc., as per schedule, . . . 89,264 01 

Cash in the office of the company, . . . 2,161 07 

deposited in the Mass. Loan and Trust Co., 19,700 00 

deposited in the Nat'l Bank of North 

America, 642 09 

Premiums in course of collection (net), . . 4,039 86 

Interest due and accrued, . . . . 3,743 01 
Office furniture, fixtures, etc., . . $1,800 00 

Gross Assets, ...... $229,871 04 



Liabilities. 

Losses and claims adjusted, but not due, . . $1,100 00 

Unearned premiums on outstanding risks, . 29,827 11 

Return premiums on cancelled policies, . 50 67 

Rents, 700 00 

Gross Liabilities, 



Surplus, 



Income. 

Gross cash premiums received during the year, 
Deduct return premiums and re-insurance, 
Net cash premiums received, 
Received for interest on mortgages, . 

for interest from all other sources, 

for rents, ... 

from all other sources, 



Gross Cash Income, . . . ..... $44,646 22 



$29,750 19 
959 36 



31,677 78 



$198,193 26 



$28,790 83 

6,557 34 

6,924 64 

2,200 00 

173 41 



Expenditures. 

Gross amount paid for losses during the year, 
Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 

for interest on borrowed money, 

for state and local taxes, .... 

for rents, 

for office, agency and incidental expenses, 

Gross Cash Expenditures, .... 



$7,993 27 


3,244 23 


5,620 00 


42 89 


3,040 06 


4,000 00 


2,110 00 


$26,050 45 



84 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



Miscellaneous. 



Risks outstanding December 31, 1875, 

written during 1876, 

Total, 

Risks terminated during 1876. 

re-insured during 1876, 
Total deductions, 



$1,676,626 00 
. 2,610,536 00 

; 1 

. $714,345 00 
12,650 00 



■$4,287,162 00 



$726,995 00 



Net amount in force December 31, 1876, .... $3,560,167 00 

Losses incurred during the year, 6,475 22 

Highest rate of interest received during the year, 8 per cent. 
Highest rate paid, 7 per cent. 

Dividends in arrears or percentage of dividends to which the holders of 
the guarantee capital would be entitled in case the profits were suffi- 
cient therefor, 16 § per cent. 



1876.] 



WITH GUARANTEE CAPITAL. 



85 



AGGKEGATE. 



Assets. 
Gross present Assets, 

Liabilities. 

Income. 

Cash received for premiums during the year, . 

for interest and dividends, 

for rents, 

from all other sources, 


1500,000 00 

$944,268 74 

$252,954 25 

$144,696 85 

51,987 40 

6,102 23 

1,252 11 


Expenditures. 

for brokerage and commissions on premiums, 
for salaries and fees of officers and employes, 
for interest on borrowed money or otherwise, 

for state and local taxes, 

for return premiums, 

for all other expenditures, . ... 


$204,038 59 

$37,435 46 

20,597 47 

21,429 88 

46 97 

7,926 31 

12,333 57 

7,000 00 

38,794 20 


Gross Cash Expenditures, 

General Items. 
Whole amount of risks outstanding at end of year, 

Deposit notes received thereon, 

Risks written during the year, 

terminated during the year, 

Losses incurred during the year, 


$145,563 86 

$37,703,730 40 

322,163 12 

11,436,450 42 

9,610,843 74 

37,387 41 



MASSACHUSETTS 

MUTUAL MAEINE AND FIEE-MAEINE 

INSURANCE COMPANIES. 



Detailed Statements op Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1876. 



88 



MASS. MUTUAL MARINE AND [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ATLANTIC MUTUAL FIRE AND MARINE INSURANCE COM- 
PANY, PROVINCETOWN. 

[Incorporated April 13, 1854. Commenced business March, 1855.] 

"Whole amount of guarantee fund, $100,000 00 

Paid up in subscription notes, . 100,000 00 

Outstanding scrip not ordered to be redeemed, 82,104 00 

Joshua Paine, President. Secretary, Lewis Nickerson. 

Office, No. 83 Commercial Street. 



Detailed Statement of Stocks, 



United States bonds, 1881, 

Chicago city bonds, . 

Cincinnati city bonds, 

Long Island city bonds, 

Dayton city bonds, 

Hyde Park town bonds, 

45 shares Republic Nat'l Bank, . 

78 " Freeman's Nat'l Bank, 

20 " Revere Nat'l Bank, . 

16 " Hide and Leather Nat'l Bank, 

15 " Traders' Nat'l Bank, . 

15 " State Nat'l Bank, 
30 " First Nat'l Bank, 
80 " Chicago and North-Western R. R., 

16 " Boston and Albany R. R., . 

35 " Burl., Cedar Rapids and No. R. R., 
Michigan Air Line R. R. 1st mortgage bonds, 
Conn. Western R. R. 1st mortgage bonds, 
West Wisconsin R. R. 1st mortgage bonds, 
Burl., Cedar Rapids and No. R. R. 1st mortgage 

bonds, 

Portland Water Company's bonds, . 

" " " scrip, 

New England Mort. Sec. Co.'s bonds, 
Personal loans, . 



Bonds, Etc. 

Par value. 
$6,000 00 
10,000 00 
5,000 00 
2,000 00 
2,000 00 
2,000 00 
4,500 00 
7,800 00 
2,000 00 
1,600 00 
1,500 00 
1,500 00 
3,000 00 
8,000 00 
1,600 00 
3,500 00 
7,000 00 
5,000 00 
5,000 00 

4,000 00 

2,000 00 

138 00 

2,000 00 



Market value. 

$7,027 50 

10,675 00 

5,350 00 

2,100 00 

2,140 00 

2,000 00 

5,940 00 

8,814 00 

2,205 00 

1,744 00 

1,552 50 

1,713 75 

4,710 00 

4,640 00 

2,048 00 , 

700 00 

7,000 00 

3,750 00 

3,750 00 

3,200 00 
2,000 00 
138 00 
2,100 00 
4,846 35 



,144 10 



1876.] 



FIRE-MARINE INS. COS. 



89 



Summary of Assets, December 

Stocks, bonds, etc., as per schedule, . 

Cash in the office of the company, . 

deposited in the First Nat'l Bank, Prov- 
incetown, 

Premiums in course of collection (net) , . 

Notes taken for marine and inland risks, . 

Unpaid stock or subscription notes on time, 
not exceeding 12 months, not yet due, $98,- 
500; overdue and collectible, $1,500, 

Interest due and accrued, 

Office furniture, ..... $325 00 

Insurance scrip, 240 00 



$565 00 



31, 1876. 


$90,144 10 


103 


70 


11,011 


77 


6,131 


87 


48,280 03 


100,000 


00 


1,562 


71 



Gross Assets, 



$257,234 18 



Liabilities. 

Losses and claims adjusted, but not due, . 
Claimed and reported losses, not adjusted, 
Claims for losses disputed or resisted, 
Dividends to subscribers unpaid, 
Unearned premiums on outstanding risks, 
Due to other companies for re-insurance, . 
State and local taxes, due or accrued, 
Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, .... 

Surplus as regards Policy-holders, 
Guarantee fund, ..... 
Scrip outstanding, 



$1,419 77 

2,800 00 

1,050 00 

99 94 

32,550 44 

1,585 38 

102 96 

700 00 



$100,000 00 
82,104 00 



40,308 49 



. $216,925 69 



182,104 00 



Surplus over Guarantee Fund and Scrip, 



. $34,821 69 



Income. 

Gross cash premiums received during the year 

(marine), .... 
Deduct rebate, re-insurance, etc., 
Net cash premiums received, 
Received for interest from all sources, 

from all other sources ; viz 
Bills receivable on marine risks, 



Gross Cash Income, 
12 



$43,793 80 
6,359 41 



, salvage on loss paid, 
. $44,177 03 



$37,434 39 

5,180 97 

429 33 



$43,044 69 



90 



MASS. MUTUAL MAKINE AND [Dec. 31, 



Expenditures. 

Gross amount paid for losses during the year 

(marine), . . $16,159 20 

Deduct salvage and re-insurance, . . . 295 02 

Net amount paid for losses, .... $15,864 18 

Paid for brokerage and commissions, 1,941 95 

for salaries and fees of officers and employes, . . 1,250 00 

for interest and dividends to subscribers, . . . . 1,271 58 

for state and local taxes, 426 45 

for interest to scripholders, 4,626 24 

rents, 85 00 

for office, agency and incidental expenses, . ' . . 485 33 

Gross Cash Expenditures, $25,950 73 



Miscellaneous. 

Marine risks outstanding December 31, 1876, . $441,669 00 
Deduct amount re-insured, .... 20,800 00 

Net amount in force, 

Marine risks written duriug the year, 

risks terminated during the year, 

losses incurred during the year, . 
Scrip dividends declared during 1876, 5 per cent. 
Average rate to date, 6^ per cent. 



$420,869 00 

783,271 00 

737,410 00 

10,388 05 

6,271 58 



BOYLSTON MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated December 26, 1872. Commenced business January 8, 1873.] 

Whole amount of guarantee fund, . . . ... . . . $1,000,000 00 

Paid up in cash 557,200 00 

Paid up in subscription notes, 442,800 00 

Outstanding scrip not ordered to be redeemed, 63,840 00 

J. W. Balch, President. Secretary, N. S. Jennet. 

Office, No. 45 State Street. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds, 6s, $2,000 00 



United States 5-20 bonds, . 
Providence city note, . 
79 shares Washington Nat'l Bank, 
266 " Columbian Natl Bank, 
200 " Tremont Nat'l Bank, 
100 " Merchandise Nat'l Bank, 
100 " Bank of the Republic, 
307 " Phila., Wil. & Bait. R. R., 



2,000 00 
25,000 00 

7,900 00 
26,600 00 
20,000 00 
10,000 00 
10,000 00 
15,350 00 



Market value. 
$2,280 00 
2,265 00 
25,000 00 
10,744 00 
37,506 00 
22,200 00 
10,500 00 
13,175 00 
18,727 00 



1876.] 



FIRE-MARINE INS. COS. 



91 



200 shares Boston & Providence K. R., 
50 " Boston & Albany R. R., . 
200 " Fitchburg R. R., 
Framingham & Lowell R. R. bonds, 
Boston & Providence R. R. bonds, . 
Nashua & Rochester R. R. bonds, 
New England mortgage security bonds, 



$20,000 00 

5,000 00 

20,000 00 

25,000 00 

100,000 00 
25,000 00 
10,000 00 



$26,200 00 

6,387 50 

21,600 00 

19,500 00 

113,000 00 
22,500 00 
10,500 00 



$323,850 00 $362,084 50 



Securities held as collateral for cash loans : — 



United States 10-40 bonds, 
United States bonds, 6s, 
Atchison; T. & Santa Fe R. R. bonds 
Union Pacific R. R. bonds, 
Union Pacific R. R. bonds, 
10 shares Commercial Wharf Co., 
Individual note, .... 
Boston & Lowell R. R. note, 
50 shares N. E. Mut'l Ins. Co., . 
Boston, H. & E. R. R. bonds, . 
Union Pacific R. R. S. F. bonds, 
Union Pacific R. R. S. F. bonds, 
300 shares Cedar Rapids & Mo. R. R. R., 
100 " Iowa Falls & Sioux City stock 
24 " Washington Mills, . 
Lowell Bleachery Co.'s note, 
100 shares First Nat'l Bank, Concord, N. H., 
100 " Cedar Rapids & Mo. R. R. R. pref., 



Market value. Loaned thereon. 
$2,272 50 <\ ^ 

570 00 } ® 2 ' 500 00 
13,875 00 



2,685 00 
4,475 00 

22,000 00 
2,500 00 

10,000 00 
5,000 00 
3,656 25 
6,265 00 
8,950 00 

15,000 00 
6,000 00 
1,584 00 

40,000 00 

15,000 00 
9,500 00 



} 



9,000 00 
2,000 00 
4,000 00 

20,000 00 
2,500 00 

10,000 00 

12,000 00 

8,000 00 
15,000 00 

1,200 00 

40,000 00 

10,000 00 

, 8,000 00 



$169,332 75 $144,200 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $302,000 00 

Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

deposited in the Washington Nat'l Bank 
Premiums in course of collection (net), . 
Notes taken for marine and inland risks, . 
Due or to become due from other companies 

for re-insurance on losses paid, 
Unpaid stock or subscription not^s on time not 

exceeding 12 months, not yet due, $436,300 

overdue and collectible, $6,500, 
Interest due and accrued, .... 
114 shares Relief Steamboat Co., $57. 

Gross Assets, —$1,465,889 11 



362,084 50 

144,200 00 

4,063 58 

79,124 31 

11,742 76 

107,596 47 

61 97 



442,800 00 
12,215 52 



92 



MASS MUTUAL MARINE AND [Dec. 31, 



Liabilities. 

Claimed and reported losses, not adjusted, 
Unearned premiums on outstanding risks, 
Due to other companies for re-insurance, . 
Return premiums on cancelled policies, . 
Interest due or accrued on scrip, 
Unused balances of premium notes, . 
Rents, salaries, office, agency and incidental 

expenses, 

Gross Liabilities, 



Surplus as regards Policy-holders, 

Guarantee fund, 

Scrip outstanding, . . . 

Surplus over Guarantee Fund and Scrip, 



L,975 00 

225,622 57 

694 33 

267 36 

208 80 

2,533 17 

500 00 



$1,000,000 00 
63,840 00 



$314,801 23 
1,151,087 88 



1,063,840 00 



,247 88 



Income. 

Cash received for fire premiums, . . . $109,899 57 

Deduct re-insurance, rebate and return prenrfs, 15,082 20 

Net cash received for fire premiums, . . 

Cash received for marine and inland premiums, $219,805 49 

Deduct re-insurance, rebate and return prem's, 27,346 81 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the year, $89,968 31 
Interest and dividends received from all sources, 
Income from all other sources ; viz., policy fees, 



$94,817 37 



192,458 68 

53,742 60 
570 00 



Gross Cash Income, $341,588 65 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Interest paid subscribers, .... 

For interest paid scripholders, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employes 
for state and local taxes, . 

Cash paid for all other items; viz., rents 
$7,169.74 ; office, agency and incidental ex- 
penses, $8,082, 



Gross Cash Expenditures, 



$36,578 59 

139 90 

$137,712 18 

7,430 30 



$36,438 69 



130,281 88 

89,004 00 

2,307 60 

12,436 66 

25,716 85 

7,917 30 



15,251 74 
$319,354 72 



1876.] 



FIRE-MARINE INS. COS. 



93 



Miscellaneous. 

Fire risks outstanding December 31, 1876, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks outstanding December 31, 1876, 
Deduct amount re-insured, 
Net amount in force, . 
Fire risks written during the year, . 
Marine risks written during the year, 
Fire risks terminated during the year, 
Marine risks terminated during the year, . 
Fire losses incurred during the year, 
Marine losses incurred during the year, . 
Dividends declared to subscribers, . 
Scrip dividends declared during the year, 



,741,274 00 
380,550 00 



■$19,360,724 00 



',524,273 00 

170,037 00 



■ 7,354,236 00 

15,241,251 00 

15,943,018 00 

16,054,959 00 

17,569,011 00 

41,538 69 

. 171,051 88 

89,004 00 

21,900 00 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business October, 1853.] 

Francis Bacon, President. Secretary, Geo. L. Deblois. 

Office, No. 52 State Street. 



Detailed Statement of Stocks, 



United States bonds, 6s, 

United States 5-20 bonds,' . 

Brookline water bonds, 

Providence city loan, . 

Beverly town loan, 

100 shares Atlas Nat'l Bank, 

100 " Old Boston Nat'l Bank, 

100 " Continental Natl Bank, 

300 " Columbian Nat'l Bank, 

150 " Commerce Nat'l Bank, 

300 " Hide and Leather Nat'l Bank, 

16 " Massachusetts Nat'l Bank, 
120 " North Nat'l Bank, . 
100 " New England Nat'l Bank, 
300 " Republic Nat'l Bank, 
200 " Second Nat'l Bank, . 

30 " State Nat'l Bank. . 
350 " Tremont Nat'l Bank, 
300 " Webster Nat'l Bank, 
300 " Washington Nat'l Bank, 
200 " Boston and Albany R. R., 
120 " Boston and Providence, R. R., 

40 " Boston and Lowell R. R., 



Bonds, Etc. 

Par value. 

$30,000 00 

50,000 00 

10,000 00 

10,000 00 

35,000 00 

10,000 00 

5,000 00 

10,000 00 

30,000 00 

15,000 00 

30,000 00 

4,000 00 

12,000 00 

10,000 00 

30,000 00 

20,000 00 

3,000 00 

35,000 00 

30,000 00 

30,000 00 

20,000 00 

12,000 00 

20,000 00 



Market value. 

$34,500 00 
57,820 00 
11,600 00 
10,200 00 
36,750 00 
11,600 00 

7,100 00 
10,700 00 
42,000 00 
16,950 00 
32,400 00 

4,800 00 
14,880 00 
14,000 00 
39,000 00 
28,600 00 

3,330 00 
38,500 00 
30,300 00 
41,400 00 
25,400 00 
15,600 00 
13,400 00 



94 



MASS. MUTUAL MARINE AND [Dec. 31, 



Eastern R. R. mort. bonds, 6s, . 
Old Colony and Newport bonds, 7s, 
Boston Gas Co.'s bonds, 6s, 
Insurance scrip of other companies, 
Corporation notes, indorsed, 
Promissory notes, indorsed, 
95 shares Relief Steamboat Co., 



$53,000 00 

3,000 00 

50,000 00 

8,138 00 



$1,000 00 



Securities held as collateral for cash loans :— 

China Mut. Ins. Co.'s scrip, 
India Mut. Ins. Co.'s scrip, 
15 shares Pacific Mills, 
Charlestown water loan bonds, . 
Atchison, Topeka and S. F. R. R. bonds, 
Wachita and So. West R. R. bonds, . 
China Mut. Ins. Co.'s scrip, 
United States bonds, 1881, 

2 shares Appleton M'f 'g Co., 

3 " Hamilton M'f 'g Co., . 
Conn, and Passumpsic Riv. R. R. bonds, 
15 shares Conn, and Passumpsic Riv. R. R., 
China Mut. Ins. Co.'s scrip, 
United States bonds, 1881, . 

ec (i it 

China Mut. Ins. Co.'s scrip, 
(t « a 

Simpson Dry Dock Stock, 



$26,500 00 

3,000 00 

52,000 00 

6,510 40 

128,488 25 

14,000 00 

$771,328 65 



} 



Market value. Loaned thereon. 

$9,900 00 

1,600 00. 

25,500 00 

62,000 00 

810 00 >j 

4,900 00 j> 

2,060 00 J 

23,000 00 

1,700 00 v 

2,700 00 J 

1,000 oo y 16,000 oo 

600 00 " 



$8,100 00 

22,500 00 
60,000 00 

7,500 00 

20,000 00 



11,000 00 J 
2,875 00 >j 
1,150 00 j> 
2,375 00 J 

12,860 00 
4,000 00 



} 



6,000 00 
15,000 00 



$170,030 00 $155,100 00 



Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $771,328 65 

Loans on collateral security, as per schedule, . 155,100 00 

deposited in the Columbian Nat'l Bank, . 77,328 34 

Notes taken for marine and inland risks, . . 349,734 03 
95 shares Relief Steamboat Co., . $1,000 00 

Gross Assets, $1,353,491 02 

Liabilities. 

Claimed and reported losses, not adjusted, . $64,000 00 

Unearned premiums on outstanding risks, . 270,066 91 

Due to other companies for re-insurance,. . 7,845 48 

Unpaid scrip ordered to be redeemed, . . .1,199 00 

Interest due or accrued on scrip, . . - . 118 54 

Rents and salaries, 4,900 00 

Gross Liabilities, except scrip, . 

Surplus as regards Policy-holders, 
Scrip outstanding, 



Surplus over scrip, 



348,129 93 

1,005,361 09 
686,500 00 

$318,861 09 



1876.] FIKE-MARINE INS. COS. 95 

Income. 

Cash received for marine and. inland premiums, $485,723 49 

Deduct re-insurance, rebate, etc., . . . 42,153 72 

Net cash received for marine and inl'd prem's, $443,569 77 

Unpaid prem. notes received during the year, . $284,347 80 
Interest and dividends received from all sources, . . . 48,750 55 
Income from all other sources ; viz., re-insur- 
ance scrip, . 4,448 39 



Gross Cash Income, . . $496,768 71 

Expenditures. 

Cash paid for marine and inland losses, . . $248,414 04 
Deduct salvage and re-insurance, . . . 11,506 19 

Net cash paid for marine and inland losses, . $236,907 85 

Interest paid scripholders, 35,089 80 

Cash paid for redemption of scrip, 115,430 00 

for commissions and brokerage', .... 7,089 51 
for salaries of officers and employes, . . . 21,320 00 

for state and local taxes, 5,291 31 

for all other items ; viz., rent, $5,000 ; office and 
incidental expenses, $8,450.39, .... 13,450 39 

Gross Cash Expenditures, $434,578 86 

Miscellaneous. 
Marine risks outstanding December 31, 1876, $9,870,976 00 
Deduct amount re-insured, .... 551,500 00 

Net amount in force, $9,319,476 00 

Risks written during the year, 19,745,295 00 

terminated during the year, ..... 20,685,933 00 
Scrip dividends declared during the year (45 per cent.), 220,190 00 

ordered to be redeemed, 115,310 00 

Marine losses incurred during the year, .... 205,907 85 

Average rate of scrip dividends, 24^. 

Annual rate of interest paid on scrip, 6 per cent. 



96 MASS. MUTUAL MARINE AND [Dec. 3L 



COMMERCIAL MUTUAL MARINE INSURANCE COMPANY. NEW 

BEDFORD. 

[Incorporated March 17, 1863. Commenced business May 1, 1863.1 

Whole amount of guarantee fund, $200,000 00 

Paid up in subscription notes, 200,000 00 

Outstanding scrip not ordered to be redeemed, 13,637 00 

Ward M. Parker, Vice-President. Secretary, Samuel H. Cook. 

Office, No. 37 North Water Street. 

Summary of Assets, December 31, 1876. 

Wamsutta Mills note, . . . 

Personal loan, 

Cash, in the office of the company, . 

deposited in the Merchants' Nat'l Bank, . 
Notes taken for marine and inland risks, . 
Unpaid stock or subscription notes on time not 
exceeding 12 months, . . . - 
Gross Assets, 

Liabilities. 

Adjusted losses and claims, due and unpaid, . 
Claims for losses disputed or resisted, 
Dividends to subscribers unpaid, 
Unearned premiums on outstanding risks, 
Interest due and accrued on scrip, . 

Gross Liabilities, except guarantee fund 
and scrip, 

Surplus as regards Policy-holders, 

Guarantee fund, 

Scrip outstanding, 



Surplus over Guarantee Fund and Scrip, .... $2,247 87 



$15,000 00 




3,000 00 




49 44 




3,470 15 




35,451 29 




200,000 00 






$256,970 88 


$72 77 


19,879 67 




350 00 




20,575 25 




208 32 






41,086 01 




• . . 


$215,884 87 


$200,000 00 




13,637 00 






213,637 00 





Income. 

Gross cash premiums received during the year 

(marine), . . . . . 
Deduct rebate, re-insurance, etc., 
Net cash premiums received, 
Received for interest from all sources, 
Bills receivable on marine risks, 

Gross Cash Income, . 



$49,090 05 
8,205 55 



$31,254 95 



$40,884 50 
7 77 



$40,892 27 



1876.] FIRE-MARINE INS. COS. 97 

Expenditures. 

Gross amount paid for (marine) losses during the year, . $5,866 99 

Paid for salaries and fees of officers and employes, . . . 1,100 00 

for state and local taxes, 107 49 

for office, agency and incidental expenses, . . . 204 50 

Gross Cash Expenditures, $7,278 98 

Miscellaneous. 

Risks outstanding December 31, 1875, .... . $226,775 00 

re-insured in other companies, 226,775 00 

terminated during 1876, 213,480 00 

Losses incurred during the year, . ..... 4,482 23 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 22, 1867.] 

Whole amount of guarantee fund, .' $144,500 00 

Paid up in subscription notes, 144,500 00 

Outstanding scrip not ordered to be redeemed, 61,364 00 

John H. Dane, President. Secretary, William L. Caverlt. 

Office, No. 49 State Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 



50 shares Webster Nat'l Bank, 
100 " Boston and Maine Railroad, . 
Framingham and Lowell Railroad bonds, 
Nashua and Rochester Railroad bonds, . 
Old Colony Railroad bonds, 
Fitchburg Railroad bonds, 
China Mutual Insurance Company scrip, . 
India Mutual Ins. Co. scrip, . . $1,141 20 



$5,000 00 $5,100 00 

10,000 00 10,000 00 

10,000 00 8,000 00 

17,000 00 15,300 00 

10,000 00 11,100 00 

10,000 00 11,200 00 
264 00 



$60,964 00 



Summary of Assets, December 31, 1876 

Stocks, bonds, etc., as per schedule, . . . $60,964 00 
Cash in the office of the company, . . . 12,805 51 
deposited in the Market Nat'l Bank, . 21,899 29 

Notes taken for marine and inland risks, . . 121,552 69 
Unpaid stock or subscription notes on time not 

exceeding 12 months, ..... 144,500 00 

Gross Assets, $361,721 49 

13 



98 MASS. MUTUAL MAEINE AND [Dec. 31, 

Liabilities. 

Claimed and reported losses, not adjusted, . $24,500 00 

Unearned premiums on outstanding risks, . 110,038 62 

Interest due or accrued on scrip, ... 42 84 

Rents, 1,000 00 

Gross Liabilities, except guarantee fund 
and scrip, . . ... . . .$135,58146 

Surplus as regards Policy-holders, $226,140 03 

Guarantee fund, . . . . . . . $144,500 00 

Scrip outstanding, 61,364 00 

205,864 00 



Surplus over Guarantee Fund and Scrip, .... $20,276 03 

Income. 

Cash received for fire premiums, . . . $678 55 

Deduct re-insurance, rebate and return prem's, 141 92 

Net cash received for fire premiums, . . $536 63 

Cash received for marine and inland premiums, $145,221 18 
Deduct re-insurance, rebate and return prem's, 4,555 16 

Net cash received for marine and inl'd prem's, 140,666 02 

Unpaid premium notes received during the year, $104,900 19 

Interest and dividends received from all sources, . . . 5,478 89 



Gross Cash Income, $146,681 54 

Expenditures. 

Cash paid for marine and inland losses, . . $92,352 47 
Deduct salvage and re-insurance, . . . 3,170 00 

Net cash paid for marine and inland losses, . $89,182 47 

Cash paid for commissions and brokerage, . . . . 3,501 34 
for salaries and fees of officers and employes, . 10,400 00 

for state and local taxes, 1,375 68 

for interest, 477 33 

for interest to scripholders, 1,945 74 

for office, agency and incidental expenses, 
$3,070.95; rents, $4,000; fire risks re-insured, 
$3,349.72, 10,420 67 



Gross Cash Expenditures, $117,303 23 

Miscellaneous. 
Fire risks outstanding December 31, 1876, . $475,125 00 
Deduct amount re-insured, .... 475,125 00 

Marine risks outstanding December 31, 1876, $2,081,171 00 
Deduct amount re-insured, .... 26,250 00 

Net amount in force, $2,05-1,921 00 

Marine risks written during the year, .... 3,586,079 00 



1876.] 



FIRE-MARINE INS. COS. 



99 



Fire risks terminated during the year, .... $907,292 00 

Marine risks terminated during the year, . . . 4,076,564 00 

losses" incurred during the year, .... 85,669 00 

Scrip dividends declared during the year (15 and 30 pr. c't), 28,221 00 



NEW ENGLAND MUTUAL INSURANCE COMPANY/BOSTON. 

[Incorporated March 23, 1872. Commenced business June 1, 1872.] 

Whole amount of preferred permanent fund, $350,000 00 

Paid up in cash, 208,000 00 

in subscription notes, 142,000 00 

4 

George C. Lord, President. Secretary, Alfred Presson. 

Office, No. 62 State Street. 

Detailed Statement of Stocks, 



Providence city note, 

46 shares Traders 1 Nat'l Bank, Boston, 

44 
105 

34 

10 
113 

30 
124 

70 

25 
250 
130 
100 



Y., 



Hide and Leather Natl Bank, 
Republic Nat'l Bank, 
Revere Nat'l Bank, . 
Atlantic Nat'l Bank, 
Shawmut Nat'l Bank, 
Eliot Nat'l Bank, 
Tremont Nat'l Bank, 
Continental Nat'l Bank, 
Dry Goods Nat'l Bank, N 
Boston and Maine R. R., 
Ogdensburg and Lake Champ. R. R 
Phila., Wil. and Bait. R. R., 

Boston and Maine R. R. bonds, 

China Mut'l Ins. Co.'s scrip, 

Boylston Ins. Co.'s scrip, . 

Personal loan, .... 

Bills receivable, .... 



Securities held as collateral for cash loans : — 



Massachusetts state bonds, 

United States 5-20 bonds, . 

" " bonds, 6s, . 

" 5-20 bonds, . 



Bonds, Etc. 




Par value. 


Market value . 


$10,000 00 


$10,000 00 


4,600 00 


4,738 00 


4,400 00 


4,752 00 


10,500 00 


13,860 00 


3,400 00 


3,740 00 


1,000 00 


1,300 00 


11,300 00 


13,560 00 


3,000 00 


3,300 00 


12,400 00 


13,764 00 


7,000 00 


7,507 50 


2,500 00 


2,500 00 


25,000 00 


25,000 00 


13,000 00 


9,100 00 


5,000 00 


6,400 00 


25,000 00 


27,625 00 


- 


161 50 


- 


24 00 


- 


12,572 16 


- 


5,980 95 


$165,885 11 


Market value. Loaned thereon. 


$3,420 00^ 




565 00 ! 


$4,500 00 


936 00 i 




226 00 J 




2,260 00 \ 
1,130 00 / 


3,300 00 



1,537 00 $7,800 00 



100 MASS. MUTUAL MARINE AND [Dec. 31, 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), $44,500 00 
Stocks, bonds, etc., as per schedule, . . . 165,885 l\ 
Loans on collateral security, as per schedule, . 7,800 00 
Cash in the office of the company, . . . 250 00 
deposited in various banks and with Lon- 
don bankers, 55,933 64 

Premiums in course of collection (net), . . 1,224 34 

Notes taken for marine and inland risks, . . 125,658 97 
Due or to become due from other companies 

for re-insurance on losses already paid, . 337 50 
Unpaid stock or subscription notes on time not 

exceeding 12 months, not yet due, . . 142,000 00 

Salvages and savings on losses already paid, . 1,000 00 

Interest due and accrued, 2,434 00 

114 shares Relief Steamboat Co., . $114 00 

Gross Assets, $547,023 56 

Liabilities. 

Claimed and reported losses, not adjusted, . $51,450 00 

Interest to subscribers unpaid, .... 300 00 

Unearned premiums on outstanding risks, . 120,427 06 

Rents, . . 1,521 20 

Gross Liabilities, except Pref'd Permanent 

Fund, . . . . 173,698 26 



Surplus as regards Policy-holders, $373,325 30 

Preferred Permanent Fund, 350,000 00 



Surplus over Preferred Permanent Fund, .... $23,325 30 

Income. 

Cash received for fire premiums, . . . $14,077 11 
Deduct re-insurance, rebate and return prem's, 693 60 

Net cash received for fire premiums, . . $13,383 51 

Cash received for marine and inland premiums, $221,783 55 
Deduct re-insurance, rebate and return prem's, 20,568 60 

Net cash received for marine and inTd prem's, 201,214 95 

Unpaid prem. notes received during the year, . $125,658 97 

Interest received on bonds and mortgages, .... 2,815 00 

Interest and dividends received from all other sources, . 11,877 80 



Gross Cash Income, $229,291 26 

Expenditures. 

Cash paid for fire losses, $2,304 18 

for marine and inland losses, . . $162,507 65 
Deduct salvage and re-insurance, . . . 1,154 33 
Net cash paid for marine and inland losses, . 161,353 32 



1876.] 



FIRE-MARINE INS. COS. 



101 



Cash dividends paid, . ...'■• . . . . 
paid for commissions and brokerage, . . 
for salaries of officers and employes, 
for state and local taxes, . ... 
for all other items ; viz., rents, f 4,704 ; office, 
agency and incidental expenses, $6,873.84 ; 
profit and loss, $728.06, 

Gross Cash Expenditures, 



531,615 00 

7,207 56 

13,000 00 

2,010 80 



12,305 90 



$229,796 76 



Miscellaneous. 

Fire risks outstanding December 31, 1876, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks outstanding December 31, 1876, 
Deduct amount re-insured, 
Net amount in force, ..... 
Fire risks written during the year, . 
Marine risks written during the year, 
Fire risks terminated during the year, 
Marine risks terminated during the year, . 
Fire losses incurred during the year, 
Marine losses incurred during the year, . 
Dividends declared to subscribers, . 



$1,949,424 00 
32,000 00 



1,104,727 00 
36,500 00 



,917,424 00 



3,068,227 00 

1,596,424 00 

6,599,637 00 

1,596,854 00 

7,121,405 00 

2,304 18 

177,353 32 

31,915 00 



UNION MUTUAL MARINE INSURANCE COMPANY, NEW 

BEDFORD. 

[Incorporated May 14, 1851. Commenced business July, 1851.] 

Whole amount of guarantee fund, ........ $2,400 00 

Paid up in subscription notes, 2,400 00 

Outstanding scrip not ordered to be redeemed 434,374 00 

Thomas S. Hathaway, President. Secretary, Walter P. Winsor. 

Office, No. 33 North Water Street 



Detailed Statement of Stocks,. Bonds, Etc. 

Par value. Market value. 

200 shares Mechanics 1 Nat'l Bank, N. B., . . $20,000 00 $28,800 00 

137 " Nat'l Bank of Commerce, N. B., . 13,700 00 16,029 00 

206 " Merchants Natl Bank, N. B., . . 20,600 00 32,342 00 

168 ' k First Nat'l Bank, N. B., . . . 16,800 00 19,824 00 

Bills receivable, - 203,399 51 



$300,394 51 



102 



MASS. MUTUAL MARINE AND [Dec. 31, 



Summary of Assets, December, 31 1876. 

Stocks, bonds, etc., as per schedule, . 

Cash in the office of the company, . 
deposited in the First Natl Bank, 
deposited in the Natl Bank of Commerce, 

Notes taken for marine and inland risks, . 

Unpaid stock or subscription notes on time not 
exceeding 12 months, 

Interest due and accrued, 

Rents due, 

Gross Assets, 



$300,394 51 




20 16 




37,063 52 




31,221 67 




31,725 41 




2,400 00 




6,269 68 




410 00 






$409,504 95 



Liabilities. 

Adjusted losses and claims, due and unpaid 
Claimed and reported losses, not adjusted, 
Claims for losses disputed or resisted, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, due or accrued, 

Salaries, 

Gross Liabilities, except guarantee fund 
and scrip, 

Surplus as regards Policy-holders, 
Guarantee fund, 



Scrip reserve, 
Scrip outstanding, 



Deficiency of scrip reserve, 



$13,585 80 

5,000 00 

45,500 00 

1,278 00 

1,042 20 

31 10 

166 66 



66,603 76 

$342,901 19 
2,400 00 



$338,501 19 
434,374 00 



,872 81 



Income. 

Gross cash premiums received during the year 

(marine), 

Received for interest from all sources, 
Unpaid premium notes received during the 
year, 



Gross Cash Income, 



11,611 89 



$59,355 48 
23,686 50 



,041 98 



Expenditures. 

Gross amount paid for losses during the year 

(marine), .... 
Deduct salvage and re-insurance, 
Net amount paid for losses, 
Paid for salaries and fees of officers 

for interest, 

for state and local taxes, . 

for dividends to subscribers, 

for redemption of scrip, 



and employes, 



$41,528 17 
107 83 



$41,420 34 

1,583 27 

372 63 

294 98 

5,130 00 

273 00 



1876.] FIRE-MARINE INS. COS. 103 

Paid for interest to scrip-holders, . . .... $30 84 

for rents, 200 00 

for office, agency and incidental expenses, . . . 521 31 

Gross Cash Expenditures, $49,826 37 



Miscellaneous. 

Marine risks terminated during 1876, $199,397 00 

Losses incurred during the year, 10,000 00 

Cash dividends declared to subscribers during the year, . 5,130 00 



104 MASS. M. M. AND F. M. INS. COS. [Dec. 31, '76. 



AGGKEGATE. 



Whole amount of guarantee fund, . 

in cash, 

in subscription notes, 
outstanding scrip not cancelled, 



Gross present Assets, 



Assets. 



Liabilities. 
Gross present Liabilities, 

Income. 
Cash received during the year for fire premiums, . 

for marine premiums, 
for interest and dividends, .' . . 
from all other sources, 

Gross Cash Income, . . 

Expenditures. 

Cash paid during the year for fire losses, 

for marine losses, . 
for brokerage and commissions on premiums, . 
for salaries of officers and employes, 
for interest and dividends to subscribers, . 
for interest on borrowed money, 

for state and local taxes, 

for redemption of scrip, 

for interest paid to scrip-holders during the year, 

for rents, 

for incidental expenses, 

Gross Cash Expenditures, 

General Items. 

Whole amount of fire risks outstanding at end of year, 
of marine risks outstanding at end of year, 
of fire risks written during the year, . 
of marine risks written during the year, . 
of fire risks terminated during the year, . 
of marine risks terminated during the year, 
of fire losses incurred during the year, 
of marine losses incurred during the year, 
of cash dividends declared to subscribers, 
of scrip dividends declared during the year, 
of scrip ordered to be redeemed during the year, 



$1,796,900 00 

765,200 00 

1,031,700 00 

1,341,819 00 



t,651,835 19 



,120,209 14 



5,737 51 
1,115,583 79 



101,04U 

5,447 


us 

72 


$1,381,309 


10 


$38,742 87 


680,877 


03 


32,177 


02 


74,370 


12 


127,020 58 


849 


96 


17,424 01 


115,703 


00 


44,000 


22 


285 


00 


52,639 


84 


$1,184,089 65 


$21,278,148 00 


22,217,729 


00 


16,837,675 


00 


4G,657,300 00 


18,559,105 00 


50,603,200 


00 


43,842 


87 


664,852 


33 


126,049 


00 


276,582 


58 


115,310 00 



MASSACHUSETTS 
JOINT-STOCK FIEE, MAKINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1876. 



14 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



ALLIANCE INSURANCE COMPANY, BOSTON. 

[Incorporated May 27, 1875. Commenced business July 1, 1875.] 

Paid-up Capital, $200,000. 

Geo. H. Long President. Secretary, pro tern., Chas. R. Howard. 

Office, No. 43 Milk Street. 



Detailed Statement of 



St. Louis city bonds, . 

Toledo city bonds, 

Cleveland city bonds, 

Newton city bonds, , 

Lawrence city bonds, . 

Cambridge city bonds, 

Charlestown city bonds, . 

Boston and Albany R. R. bonds, 

United States bonds, 1881, . 

50 shares Merchandise Nat'l Bank, 

50 " Howard Natfl Bank, . 



Stocks, Bonds, Etc. 

Par value. 

$10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

15,000 00 

5,000 00 

5,000 00 



Market value. 

$10,350 00 

10,150 00 

10,325 00 

5,462 00 

5,375 00 

5,543 75 

5,600 00 

5,275 00 

16,950 00 

5,350 00 

5,737 00 



$80,000 00 $86,117 75 



Summary of Assets, March 1, 1877.* 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (net), . 

All other assets, 

Gross Assets, 



f$20,000 00 

f43,168 42 

86,117 75 

13,700 00 

1,666 16 

46,352 97 

6,029 62 

16,424 02 

1,065 47 



$234,524 41 



* As examined by Insurance Commissioner. 

t Appraised value, by expert selected by the Department, being a reduction of original 
loan. 



1876.] 



AND FIRE-MARINE INS. COS. 



107 



Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rents, salaries, etc, . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ..... 



$18,833 23 

79,738 52 

4,452 66 



$103,024 41 

$131,500 00 
200,000 00 



Impairment of Capital, *$68,500 00 



iNCOME.f 

Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Income from all other sources ; viz., premium 
on gold, 



$177,419 88 
21,683 76 



$155,736 12 
7,891 92 

78 45 



Gross Cash Income, . . .... . . . $163,706 49 



Expenditures.! 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$64,284 52 

28,758 90 

17,975 11 

4,572 70 

29,105 99 



Gross Cash Expenditures, $144,697 22 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$6,996,729 00 $87,501 48 
15,407,788 00 177,319 16 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$22,404,517 00 $264,820 64 
10,136,469 00 107,965 66 



$12,268,048 00 $156,854 98 
. 187,123 33 2,888 78 



.2,080,924 67 $153,966 20 



* Covered by assessment on capital stock, voted by the stockholders March 19, 1877; said 
assessment being now in process of collection. 
t As of December 31, 1876. 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

incurred during the year, . 
Company's stock owned by directors, 



$273,750 57 
74,911 57 
64,384 52 
83,200 00 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid-up Capital, #300,000. 

Francis Peabody, President. Secretary, J. W. Field. 

Office, No. 54 State Street. 



Detailed Statement of Stocks, 



444 shares Old Boston Nat 1 ! Bank, 



200 

45 
170 
142 

62 
100 
152 
280 
706 

11 
8 

57 



Columbian Natl Bank, 

Natl Eagle Bank, . 

Globe Nat'l Bank, . 

Hamilton Natl Bank, 

New England Natl Bank 

Suffolk Natl Bank, . 

State Natl Bank, 

Nat'l Union Bank, . 

Boston and Albany Railroad Co., 

Boston and Lowell Railroad Co., 

Merrimac Manufacturing Co., . 

Relief Steamboat Co., . $2,200 00 



Bonds, Etc. 

Par value. 

$22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
70,600 00 

5,500 00 

8,000 00 



Market value. 

$31,524 00 

28,600 00 

5,220 00 

20,400 00 

16,330 00 

8,618 00 

12,000 00 

17,024 00 

42,560 00 

90,015 00 

3,520 00 

9,640 00 



$221,400 00 $285,451 00 



Securities held as collateral for cash loans : — 



3 shares Pacific Mills, .... 
5 " York Manufacturing Company, 
2 " Lawrence Manufacturing Company 
United States bonds, 

Union Pacific Railroad Sinking Fund bonds, 
Atch., Top. and Santa Fe R. R. Income bonds 
Rutland Railroad First Mortgage bonds, . 
Union Stock Yard and Transit Company, 
United States 5-20 bonds, .... 
63 shares Union Wharf Company, . 



Market value. Loaned thereon . 

$5,700 00^| 
22,962 00 j 



15,470 00^ 
2,652 00 ! 



24,500 00 , 
30,000 00 j 
11,300 00 
18,900 00 



\ 54,000 00 



10,000 00 
3,833 33 



$140,184 00 $99,833 33 



1876.] 



AND FIRE-MARINE INS. COS. 



109 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in Old Boston Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (net), . 
Notes taken for marine and inland risks, . 
Rents due and accrued, 

Gross Assets, . . . 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders, unpaid, . 
Due and accrued for rent, salaries, etc., , ' 
Re-insurance premiums due, 

Gross Liabilities, except capital, 

Surplus, as regards Policy-holders, . 
Paid-up capital, 



Surplus over Capital, . . ...... $127,743 71 



$81,000 00 

285,451 00 

99,833 33 

639 31 

21,126 78 

353 81 

6,010 81 

63,299 51 

400 00 



$5,000 00 

13,135 34 

110,465 50 

485 00 

1,132 65 

152 35 



$558,114 55 



130,370 84 

$427,743 71 
300,000 00 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Cash received for marine and inland prem's, . 
Deduct re-insurance, rebate and return prem's, 
Net cash received for marine and inland prem's, 
Unpaid premium notes received during the 

year, $53,388 49 

Interest and dividends received from all sources, 
Income from all other sources ; viz., rents, 

Gross Cash Income, $171,824 47 



$47,301 71 




4,580 20 






$42,721 51 




$118,804 09 




12,048 56 






106,755 53 




» • • • 


20,353 68 


. 


1,993 75 



Expenditures. 

Cash paid for fire losses, . . 

for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, .... 

for office, agency and incidental expenses, 



$74,279 01 
620 53 



Gross Cash Expenditures, . . ..... $135,105 25 



1,025 27 



73,658 48 

29,515 00 

6,132 99 

13,041 67 

2,634 53 

7,097 31 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, $9,184,041 00 
written during 1876, . . 7,561,933 00 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$93,382 19 
47,008 95 



$16,745,974 00 
8,310,119 00 


$140,391 14 
53,517 08 


$8,435,855 00 
255,850 00 


$86,874 06 
2,490 02 


$8,180,005 00 

$3,681,013 00 
4,954,173 00 


$84,384 04 

$90,505 18 
80,192 35 


$8,635,186 00 
4,644,146 00 


$170,697 53 
99,612 21 


$3,991,040 00 
34,528 00 


$71,085 32 
2,559 85 



$3,956,512 00 $68,525 47 



Miscellaneous. 

Premiums received from organization of company, . $7,100,000 00 

Losses paid from organization of company, . . . 5,350,000 00 

Cash dividends declared from organization of company, 2,415,000 00 

Dividends declared during the year, 30,000 00 

Losses incurred during the year, fire, .... 1,774 35 

marine, .... 75,646 12 

Company's stock owned by directors, .... 16,700 00 



BEVERLY INSURANCE COMPANY, BEVERLY. 

[Incorporated 1852. Commenced business 1853.] 

Paid-up Capital, $50,000. 

Frederick W. Choate, President. Secretary, Samuel J. Foster. 

Office at Beverly. 



Detailed Statement of Stocks 



126 shares Beverly Nat'l Bank, 

75 " Naumkeag Nat'l Bank, 

60 " Merchants' Nat'l Bank, 

40 " Mercantile Natl Bank, 

40 " Revere Nat'l Bank, . 

20 " Traders' Nat'l Bank, 

15 " Hide and Leather Nat'l Bank, 



Bonds, Etc. 

Par value. 

$12,600 00 
7,500 00 
3,000 00 
4,000 00 
4,000 00 
2,000 00 
1,500 00 



Market value. 

$16,254 00 

11,550 00 

4,080 00 

4,600 00 

4,400 00 

2,240 00 

1,680 00 



1876.] 



AND FIRE-MARINE INS. COS. 



Ill 



17 shares Grand Nat'l Bank, . 
5 " First Nat'l Bank, 
5 " Eagle Nat'l Bank, . 
1 share Gt. Falls and Conway Railroad, 
Personal loan, ...... 



Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Notes taken for marine and inland risks, . 
Gross Assets, 

Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks,* 
Gross Liabilities, except Capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$1,700 00 


$2,210 00 


500 00 


750 00 


500 00 


580 00 


100 00 


5 00 


.' 


308 82 




$48,657 82 


,er 31, 1876. 




$1,200 00 




88 55 




48,657 82 




295 54 




1,720 75 






$51,962 66 




$850 00 




1,321 75 






2,171 75 


* 


• • • • 


$49,790 91 




50,000 00 



Impairment of Capital, 



$209 09 



Income. 

Cash received for marine and inland premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Gross Cash Income, .... 

Expenditures. 
Cash dividends paid, 



$1,729 62 




98 25 






$1^31 37 




. 


87 87 


urces, . 


2,680 04 



t,399 28 



paid for commissions and brokerage, .... 
for salaries of officers and employes, 
for state and local taxes, . . . . 
for all other items; viz., discount, $4.62; office 
expenses, $200.54, 



Gross Cash Expenditures, .... 

Risks and Premiums. 

Marine risks outstanding December 31, 1875, . 
written during 1876, 



Total, ........ $31,600 00 

Deduct risks expired and terminated, . . 18,900 00 

la force at ena of year, . . . . 



$2,500 00 

33 70 

500 00 

608 00 

205 16 
$3,846 86 

Premiums. 

$1,181 75 
1,547 42 

$2,728 17 
1,406 42 

$12,700 00 $1,321 75 



$13,300 00 
18,300 00 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Miscellaneous. 

Premiums received from organization of company, . . $284,757 79 

Losses paid from organization of company, .... 285,959 14 

Cash dividends declared from organization of company, . 52,000 00 

Dividends declared during the year (5 per cent.), . . . 2,500 00 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated December 23, 1873. Commenced business January 20, 1874.] 

Paid-up Capital, #500,000. 

R. B. Fuller, President. Secretary, Thomas H. Lord. 

Office, No. 17 State Street. 



Detailed Statement of Stocks, Bonds, Etc 



United States bonds, . 

Boston City bonds, 

Cambridge City bonds, 

Bangor City bonds, . 

Boston and Albany Railroad bonds, 

China Insurance Co/s scrip, 



Securities held as collateral for cash loans :- 

United States bonds, .... 
Casco Natl Bank stock, 
Clinton Mills stock, .... 
Merchants 1 Nat'l Bank stock, St. Louis, 
Puebla and Ark. Val. R. R. bonds, , 
Atch., Topeka and S. F. R. R. bonds, 
South Boston Gas Light Company stock, 
Eleventh Ward Nat'l Bank stock, 
Peopled Nat 1 ! Bank stock, Charleston, S. C, 



Par value. 

$100,000 00 
75,000 00 
27,000 00 
10,000 00 
20,000 00 
960 00 



Market value. 

$108,250 00 
84,375 00 
29,970 00 
10,400 00 
22,800 00 
864 00 



$232,960 00 $256,659 00 



Market value. 

$18,522 00 

20,700 00 

4,000 00 

2,000 00 

78,780 00 

32,375 00 

4,200 00 

12,950 00 

11,000 00 



Loaned thereon. 

$17,300 00 

15,000 00 

2,000 00 

2,000 00 

15,000 00 

20,000 00 

3,500 00 

10,000 00 

10,000 00 



$184,527 00 $94,800 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $108,700 00 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
•Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 



256,659 00 

94,800 00 

364,240 98 

4,684 31 

137,560 94 



* Value of property mortgaged, . 
Amount of insurance held as collateral, • 



$215,000 00 
95,200 00 






1876.] 



AND FIRE-MARINE INS. COS. 



113 



Notes taken for marine and inland risks, . . $406,915 97 

All other assets, 1,000 00 

Gross Assets, 1 

Liabilities. 

Losses, claimed and reported, .... $170,210 96 

Unearned premiums on outstanding risks, . 477,099 73 

Gross Liabilities, except capital, . . 

Surplus as regards Policy-holders, 

Paid-up capital, 



^,374,561 20 



647,310 69 

$727,250 51 
500,000 00 



Surplus over Capital, $227,250 51 

Income. 

Cash received for marine and inland prem's, . $815,771 32 
Deduct re-insurance, rebate and return prem's, 201,668 11 

Net cash received for marine and inl'd prem's, $614,103 21 

Interest and dividends received from all sources, . . . 35,320 86 

Income from all other sources, 3,988 45 

Received for increased capital, . $200,000 00 

Gross Cash Income, $653,412 52 



Expenditures. 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 

Risks and Premiums. 

Marine risks outstanding December 31, 1875, $6,649,704 00 



written during 1876, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



45,656,797 00 

$52,306,501 00 

41,245,818 00 

$11,060,683 00 

1,346,847 00 



$277,297 26 
40,000 00 
43,002 07 
27,151 95 
8,655 21 
28,021 37 

$424,127 86 



Premiums. 

$375,383 75 
962,380 94 

1,337,764 69 
839,447 77 

$498,316 92 
21,217 19 



>,713,836 00 $477,099 73 



Miscellaneous. 
Premiums received from organization of company, . $1,967,931 61 

Losses paid from organization of company, .... 581,740 11 

Cash dividends declared from organization of company, . 55,000 00 

Losses incurred during the year, 414,246 08 

Company's stock owned by directors, 111,800 00 

15 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31. 



COMMONWEALTH INSURANCE COMPANY, BOSTON. 

[Incorporated May 6, 1875. Commenced business May 6, 1875.] 

Paid-up Capital, #300,000. 

John Hitchcock, President. Secretary, Samuel Appleton. 

Office, No. 30 Congress Street. 



Detailed Statement of Stocks, 



Salem city bonds, .... 

Boston city bonds, 

Cleveland city bonds, 

Cape Cod R. R. bonds, 

Vermont and Massachusetts R. R. bonds, 

47 shares Vermont and Massachusetts R. R., 
107 

82 

45 

45 

70 

11 
108 
130 

54 
105 

53 

42 
7 

30 

10 
2 
7 

27 

50 
5 

41 

38 
163 

11 

22 

25 
4 

10 

42 



Merchandise Nat'l Bank, 
Mt. Vernon Nat'l Bank, 
Hamilton Nat'l Bank, 
Tremont Nat'l Bank, 
State Natl Bank, . 
Freeman's Nat'l Bank, 
Atlas Nat'l Bank, 
Manufacturers' Nat'l Bank 
Traders' Nat'l Bank, 
Nat'l Revere Bank, . 
Continental Nat'l Bank, 
Howard Nat'l Bank, 
Nat'l Bank of North America, 
Market Nat'l Bank, . 
Atlantic Nat'l Bank, 
North Nat'l Bank, . 
Shawmut Nat'l Bank, 
Columbian Nat'l Bank, 
Third Nat'l Bank, . 
Massachusetts Nat'l Bank 
Nat'l Bank of the Republ 
Eliot Nat'l Bank, 
Nat'l Webster Bank, 
Everett Nat'l Bank, . 
New England Nat'l Bank, 
Shoe and Leather Nat'l Bank, 
Globe Nat'l Bank, , 
Nat'l City Bank, 
Hide and Leather Nat'l Bank, 



ic, 



Bonds, Etc. 

Par value. 

15,000 00 
5,000 00 

10,000 00 
2,000 00 

12,100 00 
4,700 00 

10,700 00 
8,200 00 
4,500 00 
4,500 00 
7,000 00 
1,100 00 

10,800 00 

13,000 00 
5,400 00 

10,500 00 

5,300 00 

4,200 00 

700 00 

3,000 00 

1,000 00 

200 00 

700 00 

2,700 00 

5,000 00 

1,250 00 

4,100 00 

3,800 00 

16,300 00 
1,100 00 
2,200 00 
2,500 00 
400 00 
1,000 00 
4,200 00 



Market value. 

$5,000 00 
5,300 00 

10,300 00 
2,120 00 

12,553 75 
4,864 50 

11,235 00 

10,178 00 

5.400 00 
4,995 00 
7,840 00 
1,243 00 

12,555 00 

13,130 00 

5,589 00 

11,497 50 

5,671 00 

4,767 00 

735 00 

3,240 00 

1,290 00 

248 00 

840 00 

3,807 00 

6,100 00 

1,512 50 

5.401 75 
4,199 00 

16,585 25 
1,307 00 
3,080 00 
2,975 00 
480 00 
1,160 00 
4,546 50 



Securities held as collateral for cash loans :— 

United States bonds, 

Chicago city bonds, 



$174,150 00 $191,745 75 

Market value. Loaned thereon. 

$5,850 00 $5,000 00 
1,060 00 1,000 00 



1876.] 



AND FIRE-MARINE INS. COS. 



115 



50 shares Manufacturers' Natl Bank, 

25 " Howard Nat'l Bank, 
140 " Merchandise Nat'l Bank, . 

17 " Mechanics' Nat'l Bank, . 

50 " Fitchburg R. R., 

20 " South Boston Gas Light Co., 

60 " Taunton Gas Light Co., . 

15 " South Boston Gas Light Co., 
5 " Dorchester Gas Light Co., 

30 " Taunton Cotton and Machine Co., 
Fitchburg R. R. 6 per cent, loan, 



$5,050 00 
2,825 00 

14,700 00 
2,210 00 
5,400 00 
2,400 00 
8,400 00 >i 



1,800 00 

500 00 

1,200 00 



$4,000 00 
2,500 00 

12,600 00 
2,000 00 
4,500 00 
1,000 00 



}> 6,000 00 



15,000 00 



$51,395 00 $53,600 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens*), $152,500 00 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . . * 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (net), . 
Gross Assets, 



1,140 00 

191,745 75 

53,600 00 

2,841 67 
17,934 66 

1,204 58 
14,867 21 



$435,833 87 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$2,100 00 
78,503 59 



80,603 59 

. $355,230 28 
. 300,000 00 



Surplus over Capital, . . . ..... $55,230 28 

Income. 

Cash received for fire premiums, . . . $152,308 48 
Deduct re-insurance, rebate and return prem's, 17,858 32 



Net cash received for fire premiums, . . $134,450 16 

Interest received on bonds and mortgages, .... 9,440 00 
Interest and dividends received from all other sources, . . 11,936 09 



Gross Cash Income, $155,826 25 

* Value of lands mortgaged, $324,900 00 

Value of buildings thereon, 281,70000 

Total value of property mortgaged, . . . $606,600 00 

Amount of insurance held as collateral, ........ 94,200 00 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Expenditures. 

Cash paid for fire losses, ..... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



135,982 53 
1,835 00 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 



$9,359,905 00 
16,322,075 00 



125,681,980 00 
12,552,677 00 



134,147 53 

21,303 56 

11,186 53 

4,988 27 

15,191 25 

$86317 14 



Premiums, 

,142 91 
151,745 27 

$257,888 18 
112,560 87 



$13,129,303 00 
395,727 00 



$145,327 31 

4,005 98 



$12,733,576 00 $141,321 33 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

Losses incurred during the year 

Company's stock owned by directors, 



$270,194 32 
53,431 09 
29,501 74 
53,200 00 



DWELLING-HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated December 30, 1872. Commenced business Jannary 9, 1873.] 

Paid-up Capital, $300,000. 

Arthur Wm. Hobart, President. Secretary, Henry T. Perkins. 

Office, No. 29 State Street. 

Detailed Statement of Stocks, Bonds, Etc, 

Par value. Market value. 

100 shares Second Nat 1 ] Bank, .... $10,000 00 $14,500 00 

100 " Merchants' Nat'l Bank, . . . 10,000 00 14,000 00 

32 " Union Nat'l Bank, . . . . 3,200 00 4,876 00 

Boston and Providence R. R. bonds, 7s, . . 10,000 00 11,400 00 

Boston and Albany R. R. bonds, 7s, . . . 10,000 00 11,400 00 

Old Colony R. R. bonds, 7s, ... 10,000 00 11,100 00 

" 6s, . . . . 10,000 00 10,500 00 

Boston and Lowell R. R. bonds, 7s, . . . 10,000 00 10,000 00 

Boston and Maine R. R. bonds, 7s, . . . 10,000 00 11,000 00 

Boston and Fitchburg R. R. bonds, 7s, . . 8,000 00 8,960 00 

Vermont and Mass. R. R. bonds, 7s, . . 10,000 00 10,800 00 



1876.] 



AND FIRE-MARINE INS. COS. 



117 



Eastern R. R. bonds, 7s, 
Revere town bonds, 6^s, . 
Somerville city bonds, 6^s, 
Providence city bonds, 7s, 



$5,000 00 

12,000 00 

10,000 00 

5,000 00 



$2,600 00 

13,440 00 

10,300 00 

5,200 00 



$133,200 00 $150,076 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $177,000 00 

Interest due or accrued thereon, . . . 2,877 80 

Stocks, bonds, etc., as per schedule, . . . 150,076 00 

Cash in the office of the company, . . . 1,813 33 

deposited in Second Nat'l Bank, . . 40,041 01 

Interest due and accrued, 3,118 72 

Premiums in course of collection (net), . . 624 98 

Gross Assets, 



$375,551 84 



Liabilities 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Gross Liabilities, except Capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$44,388 54 
171 00 



44,559 54 

. $330,992 30 
. 300,000 00 



Surplus over Capital, . 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources . 



21,424 16 
2,213 83 



$30,992 30 



$19,210 33 
12,320 55 
11,359 58 



Gross Cash Income, $42,890 46 

Expenditures. 

Cash paid for fire losses, . $5,722 08 

dividends paid, 15,000 00 

paid for commissions and brokerage, .... 1,956 56 

for salaries of officers and employes, . . . 8,929 12 

for state and local taxes, 4,639 44 

for office, agency and incidental expenses, . . 5,882 32 

Gross Cash Expenditures, $42,129 52 



* Value of lands mortgaged, $168,960 00 

Value of buildings thereon, 171,500 00 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$340,460 00 
137,900 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums 

Fire risks outstanding December 31, 1875, $9,802,434 00 
written during 1876, . . . 2,811,179 00 



Premiums. 

$105,814 78 
21,885 52 



Total, 

Deduct risks expired and terminated, 



$12,613,613 00 
1,711,335 00 



$127,700 30 
10,439 73 



In force at end of year, 



$10,902,278 00 $117,260 57 



Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Losses incurred during the year, 

Company's stock owned by directors, . . . . 



$143,419 55 

22,009 96 

45,000 00 

5,722 08 

47,000 00 



ELIOT INSURANCE COMPANY, BOSTON. 

[Incorporated December 31, 1872. Commenced business January 4, 1873.] 

Paid-up Capital, $200,000. 

George A. Curtis, President. Secretary \ Greenleaf C. George. 

Office, No. 63 Slate Street. 



Detailed Statement of Stocks, 



Worcester and Nashua Railroad bonds, 7s, 

Salem city bonds, 5s, . 

Cambridge city bonds, 5s, . 

Northampton town bonds, 6s, 

Boston city bonds, 6s, 

Lynn city bonds, 5s, . 

Boston Gas Light Company bonds, 6s, 

150 shares Fitchburg Railroad, . 

25 

50 

50 
100 

50 



Norwich and Worcester Railroad, 

Old Colony Railroad, 

Vermont and Massachusetts R. R., 

Shawmut Nat'l Bank, 

Nat'l Revere Bank, . 
Boston city bonds, 5s, gold, 
United States bonds, gold,. 



Securities held as collateral for cash loans 

55 shares First Nat'l Bank, Easton, . 

35 " Bates Manufacturing Company, 

25 " Equitable Trust Company, 



Bonds, Etc. 

Par value. 

$15,000 00 

4,000 00 

11,000 00 

33,000 00 

10,000 00 

4,000 00 

10,000 00 

15,000 00 

2,500 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

15,000 00 

50,000 00 



Market value. 

$15,750 00 

4,120 00 

11,220 00 

34,650 00 

11,350 00 

4,000 00 

10,250 00 

16,200 00 

3,150 00 

5,175 00 

5,187 50 

12,000 00 

5,475 00 

16,800 00 

54,062 50 



$194,500 00 $209,390 00 

Market value. Loaned thereon. 

$7,150 00 $5,500 00 
2,555 00 3,037 50 
2,750 00 2,500 00 



$12,455 00 $11,037 50 



1876.] AND FIRE-MARINE INS. COS. 119 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $ 128,000 00 

Interest due or accrued thereon, . . . 2,687 68 

Stocks, bonds, etc., as per schedule, . . . 209,390 00 

Loans on collateral security, as per schedule, 11,037 50 

Cash in the office of the company, . . . 2,865 84 

deposited in Nat'l City Bank, . . . 34,002 01 

Interest due and accrued, ..... 3,414 59 

Premiums in course of collection (gross), . 7,278 86 

Notes taken for marine and inland risks, . . 833 33 

Gross Assets, 8399,509 81 

Liabilities. 

Losses claimed and reported, .... $1,300 00 

Unearned premiums on outstanding risks, . 64,979 55 

Dividends to stockholders unpaid, . . . 125 00 

Due and accrued for rent, salaries, etc., . . . 875 00 

State and local taxes, 1,232 31 

Gross Liabilities, except capital, . . ■ 68,511 86 



Surplus as regards Policy-holders, . . . . . $330,997 95 

Paid up capital, 200,000 00 

Surplus over Capital, ........ $130,997 95 

Income. 

Cash received for fire premiums, . . . $106,303 17 
Deduct re-insurance, rebate and return prem's, 15,946 54 

Net cash received for fire premiums, . . $90,356 63 

Interest received on bonds and mortgages, .... 9,445 00 

Interest and dividends received from all other sources, . , . 13,134 09 

Gross Cash Income, . $112,935 72 

Expenditures. 

Cash paid for fire losses, $25,501 18 

Deduct salvage and re-insurance, ... 67 86 

Net cash paid for fire losses, .... $25,433 32 

Cash dividends paid, 19,875 00 

Cash paid for commissions and brokerage, .... 8,545 18 

for salaries of officers and employes, . . . 11,258 00 

for state and local taxes, 4,642 47 

for office, agency and incidental expenses, . . 4,749 72 

Gross Cash Expenditures, $74,503 69 



* Value of lands mortgaged, $104,200 00 

Value of buildings thereon, 102,500 00 

Total value of property mortgaged $206,70000 

Amount of insurance held as collateral, 103,800 00 



120 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 

Fire risks outstanding December 31, 1875 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

£8,338,165 00 $123,912 36 
9,221,977 00 106,303 17 



$17,560,142 00 $230,215 53 
8,620,445 00 103,612 55 



5,939,697 00 $126,602 98 
77,000 00 1,445 66 



5,862,697 00 $125,157 32 



Miscellaneous. 

Premiums received from organization of company, . . $435,799 06 

Losses paid from organization of company, .... 108,816 37 

Cash dividends declared from organization of company, . 50,000 00 

Dividends declared during the year, 20,000 00 

Losses incurred during the year, 25,551 18 

Company's stock owned by directors, 36,000 00 



EQUITABLE MARINE INSURANCE COMPANY, PROVINCETOWN. 

[Incorporated February 10, 1845. Commenced business February 20, 1845.] 

Paid-up Capital, $17,000. 

Artemas Paine, President. Secretary, Enos N. Young. 

Office, No. 186 Commercial Street. 

Derailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$12,000 00 $13,560 00 
6,000 00 9,420 00 



120 shares Freeman's Nat'l Bank, Boston, 
60 " First Natl Bank, Provincetown, 



$18,000 00 $22,980 00 



Summary of Assets, December 31, 1876. 

Stocks, as per schedule, $22,980 00 

Cash in the office of the company, . 
deposited in First Nat'l Bank, . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks, 
Gross Assets, .... 

Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned. premiums pn outstanding risks, 



169 51 




665 63 




10,454 38 




12,841 30 






$47,110 82 




$3,500 00 




2,800 00 




12,841 30 





1876.] 



AND FIRE-MARINE INS. COS. 



121 



Due and accrued for rent, salaries, etc., 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$520 00 



Income. 

Cash received for marine and inland prem's, . $17,992 66 
Deduct re-insurance, rebate and return prem's, 2,265 96 

Net cash received for marine and inl'd prem's, 

Interest and dividends received from all sources, . 



$19,661 30 



27,449 52 
17,000 00 

,449 52 



$15,726 70 
1,377 09 



Gross Cash Income, $17,103 79 



Expenditures. 
Cash paid for marine and inland losses, ., . $11,033 34 
Deduct salvage and re-insurance, . . . 602 73 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employes, .... 

for state and local taxes, 



Gross Cash Expenditures, 



$10,430 61 


3,000 


00 


736 


20 


1,562 


64 


330 


66 



,060 11 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$140,990 00 
310,319 00 

$451,309 00 
306,894 00 

$144,415 00 
14,300 00 



Premiums. 

$10,040 60 
17,016 21 

$27,056 81 
14,215 51 



2,841 30 
892 00 



$130,115 00 $11,949 30 



Miscellaneous. 
Dividends declared during the year, . 
Losses incurred during the year, 
16 



13,000 00 
7,146 66 



122 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
FANEUIL HALL INSURANCE COMPANY, BOSTON. 

[Incorporated February 1871. Commenced business Marcb, 1872.] 

Paid-up Capital, $400,000. 

K. S. Chaffee, President. Secretary, H. D. Bradbury. 

Office, No. 28 State Street. 



Detailed Statement of Stocks, Bonds, Etc. 



116 shares Commerce Nat'l Bank, Boston, 
100 " Globe Nat'l Bank, Boston, 
100 " Howard Nat'l Bank, Boston, . 
95 " Hamilton Nat'l Bank, Boston, . 
95 " Rockland Nat'l Bank, Boston, . 
99 " Merchants' Nat'l Bank, Boston, 
63 " Hide & Leather Nat'l Bank, Boston 
60 " Redemption Nat'l Bank, Boston, 
60 " First Nat'l Bank, Newburyport, 
60 " First Nat'l Bank, Boston, . 
58 " Traders' Nat'l Bank, Boston, . 
50 " Second Nat'l Bank, Boston, 
50 " Atlantic Nat'l Bank, Boston, . 
50 " Wachusett Nat'l Bank, Fitchburg, 
27 " Faneuil Hall Nat'l Bank, Boston, 
25 " Eliot Nat'l Bank, Boston, 

30 " Exchange Nat'l Bank, Boston, 
23 " People's Nat'l Bank, Boston, . 
15 " Market Nat'l Bank, Boston, . 
14 " Central Nat'l Bank, Lynn, 

10 " Massachusetts Nat'l Bank, Boston, 
10 " Northboro' Nat'l Bank, Northboro' 
8 " Tremont Nat'l Bank, Boston, . 
6 " North Nat'l Bank, Boston, 
3 " Bunker Hill Nat'l Bank, Boston, 
20 " Freeman's Nat'l Bank, Boston, 

31 " New England Nat'l Bank, Boston, 
10 " Commonwealth Nat'l Bank, Boston 

5 " Boston and Albany Railroad, . 
Framingham and Lowell Railroad bonds, 
Middlesex Railroad bonds, 
Somerville town bonds, 
U. S. 5-20 bond, registered, 
U. S. currency bond, 6s, registered, . 

U. S. bonds, 5s, 

Toledo, O., city bond, 8s, . 
Toledo, O., city bond, 7s, . 
Minneapolis city bond, 7s, . 



Par value. 

$11,600 00 

10,000 00 

10,000 00 

9,500 00 

9,500 00 

9,900 00 

6,300 00 

6,000 00 

6,000 00 

6,000 00 

5,800 00 

5,000 00 

5,000 00 

5,000 00 

2,700 00 

2,500 00 

3,000 00 

2,300 00 

1,500 00 

1,400 00 

2,500 00 

1,000 00 

800 00 

600 00 

300 00 

2,000 00 

3,100 00 

1,000 00 

500 00 

3,000 00 

8,500 00 

25,000 00 

10,000 00 

7,000 00 

10,000 00 

3,000 00 

6,340 00 

4,000 00 



Market value. 

$13,166 00 

12,000 00 

11,350 00 

11,400 00 

14,748 75 

13,860 00 

6,804 00 

8,700 00 

7,972 50 

12,120 00 

6,003 00 

7,212 50 

6,487 50 

4,500 00 

3,611 25 

2,750 00 

5,340 00 

3,565 00 

1,616 25 

1,998 50 

3,000 00 

1,300 00 

888 00 

735 00 

495 75 

2,260 00 

4,340 00 

1,172 00 

640 00 

2,550 00 

9,180 00 

26,500 00 

11,300 00 

8,522 50 

11,200 00 

3,000 00 

6,023 00 

3,600 00 



1876.] 



AND FIRE-MARINE INS. COS. 



123 



Minneapolis city bond, 8s, gold, 
St. Paul city bond, 7s, 



Securities held as collateral for cash loans : — 
27 shares Brewers and Maltsters' Ins. Co., 



$12,000 00 $12,360 00 
6,000 00 5,700 00 



$225,640 00 $269,971 50 

Market value. Loaned thereon. 

$,700 00 $2,500 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, , 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (net), , ' 
Gross Assets, 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaids, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$7,100 00 

157,530 50 

4,346 28 

269,971 50 

2,500 00 

1,933 13 

29,377 29 

2,248 44 

44,895 27 



$3,859 00 

10,231 00 

2,500 00 

105,909 85 

930 00 



Impairment of Capital, 



Income. 

Cash received for fire premiums, . . . $247,913 30 
Deduct re-insurance, rebate and return prem's, 40,333 89 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 



$519,902 41 



123,429 85 

$396,472 56 
400,000 00 

$3,527 44 



$207,579 41 

9,235 70 

18,504 33 



Gross Cash Income, $235,319 44 



Expenditures. 
Cash paid for fire losses, . , , , 
Deduct salvage and re-insurance, , 
Net cash paid for fire losses, . , 



,157 16 
2,185 23 



,971 93 



* Value of lands mortgaged, . . . . . . . . . . . $199,000 00 

Value of buildings thereon, ... '. . 145,00000 

Total value of property mortgaged, . $344,000 00 

Amount of insurance held as collateral, 99,275 00 



124 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Cash dividends paid . . $20,300 00 

paid for commissions and brokerage, . . . 47,343 62 

for salaries of officers and employes, . . . 16,724 09 

for state and local taxes, 10,392 61 

for office, agency and incidental expenses, . . 30,032 91 



Gross Cash Expenditures, $231,765 16 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $14,665,382 00 $215,225 60 
written during 1876, . 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



16,368,170 00 245,774 37 



^31,033,552 00 $460,999 97 
16,640,408 00 239,497 92 



$14,393,144 00 $221,502 05 
1,354,230 00 11,389 74 



$13,038,914 00 $210,112 31 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5| per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, . 



$773,027 33 

455,094 18 

59,250 00 

20,300 00 

116,024 16 

132,400 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 

Paid-up Capital, $300,000. 

Thomas W. Tucker, President. Secretary, Henry C. Short. 

Office, No. 48 Congress Street. 



Detailed Statement of Stocks, 



Boston city bonds, 
Charlestown city bonds, 
Lowell city bonds, 
Chelsea city bonds, . 
Somerville city bonds, 
Fall River city bonds, 
Lawrence city bonds, 
Cambridge city bonds, 
Providence city loan, . 
Worcester and Nashua Ra 



lroad bonds, 



Bonds, Etc. 

Par value. 

$44,000 00 
63,000 00 
15,000 00 
4,000 00 
20,000 00 
30,000 00 
18,000 00 
12,000 00 
20,000 00 
10,000 00 



Market value. 

$47,560 00 

69,300 00 

16,125 00 

4,300 00 

22,000 00 

32,100 00 

19,375 00 

12,875 00 

20,000 00 

10,000 00 






1876.] 



AND FIRE-MARINE INS. COS. 



125 



Eastern Railroad notes, 

Boston Gas Light Company bonds, 

Corporation notes, indorsed, 



Securities held as collateral for cash loans : — 



22,500 00 $11,587 50 

10,000 00 10,250 00 

33,000 00 33,000 00 

$301,500 00 $308,472 50 



320 shares Indian Orchard Mills, 
3 " Amoskeag Manf'g Co., . 
16 " Worcester and Nashua R. R. Co., 
3 " People's Nat'l Bank, 

United States 10-40 bonds, 

Cleveland city bond, 

Union Pacific land grant bond, . 



Market value. Loaned thereon. 

$32,000 00 $ 25 ,000 00 

4,851 00 2,500 00 

800 00 

480 00 

2,272 50 

2,000 00 

1,000 00 



} 



1,300 00 
2,000 00 



2,000 00 



$43,403 50 $32,800 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* 201,300 00 

Interest due or accrued thereon, . . . 3,307 47 

Stocks, bonds, etc., as per schedule, . . . 308,472 50 

Loans on collateral security, as per schedule, . 32,800 00 

Cash in the office of the company, . . . 414 15 

deposited in various banks, . . . 103,280 53 

Interest due and accrued, 6,565 83 

Premiums in course of collection (gross), . 13,266 80 

Gross Assets, 



,407 28 



Liabilities. 
Losses adjusted, unpaid, .... 

disputed or resisted, . . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, .... 
State and local taxes, .... 

Commissions and brokerage, 
Return prem's, $62.20 ; advertising, $68.44, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . . . . 



Surplus over Capital, 



$5,103 53 

2,165 80 

136,407 28 

400 00 

1,000 00 

467 77 

513 94 

130 64 



146,188 % 



,218 32 
300,000 00 

$223,218 32 



* Value of lands mortgaged, 
Value of buildings thereon, 

Total value of property mortgaged, 
Amount of insurance held as collateral, 



$197,000 00 
245,100 00 

$442,100 00 
197,100 00 



126 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $156,368 70 
Deduct re-insurance, rebate and return prem's, 11,173 65 

Net cash received for fire premiums, . . $145,195 05 

Interest received on bonds and mortgages, .... 13,075 63 
Interest and dividends received from all other sources, . . 22,450 69 



Gross Cash Income, $180,721 37 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$57,771 75 
130 00 



Gross Cash Expenditures, $135,284 22 



$57,641 75 
29,600 00 
19,112 91 
12,386 11 
5,523 12 
11,020 33 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $20,617,624 00 $304,631 42 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



14,600,503 00 154,770 41 



>35,218,127 00 $459,401 83 
14,918,362 00 168,846 10 



$20,299,765 00 $290,555 73 
17,334 00 228 56 



20,282,431 00 $290,327 17 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the 3 7 ear (10 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$707,288 94 
241,945 70 
75,000 00 
30,000 00 
55,183 68 
19,300 00 



1876.1 AND FIRE-MARINE INS. COS. 



127 



FIRST NATIONAL FIRE INSURANCE COMPANY, WORCESTER. 

[Incorporated April, 1868. Commenced business January 1, 1869.] 

Paid-up Capital, $100,000. 

Charles B. Pratt, President. Secretary, Geo. E. Kendall. 

Office at Worcester. 



Detailed Statement of Stocks, 

Worcester city bonds, .... 

Springfield city bonds, .... 

New London city bonds, . 

Worcester and Nashua Railroad bonds, . 

Boston, Barre and Gardner Railroad bonds, 

First Nat'l Bank, Worcester, 

United States bonds, ..... 



Bonds, Etc. 

Par value. 

$3,500 00 
6,000 00 

10,000 00 

500 00 

7,000 00 

10,200 00 
4,000 00 



Market value. 

$3,710 00 

6,750 00 

11,000 00 

462 00 

7,435 00 

15,300 00 

4,400 00 



Securities held as collateral for cash loans : — 

Chicago, Danv. and V. Railroad bond, 
Chicago, Danv. and V. R. R., certif. of indebted- 
ness, 

Chicago, Burlington and Q. Railroad bond, 

Minneapolis city bond, 

Jersey city bond, . . . . 

Loaned on life policy, 

25 shares Taylor and Farley Organ Company, 

Union Pacific Railroad bond, .... 

Ind., Bloomington and Western Railroad bond, 

8 shares Grafton Nat 1 ! Bank, .... 



$41,200 00 


$49,057 00 


Market value. '. 

$880 00^ 


joaned thereon. 


280 00 
1,095 00 
1,000 00 
1,100 00. 


> $3,578 00 
600 00 


2,500 00 
950 00 > 
350 00, 
880 00 


2,000 00 

\ . 1,200 00 

700 00 



1,035 00 



5,078 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest clue or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 
deposited in First Natl Bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross Assets, . . . . . 



$2,200 00 

146,012 75 

3,115 96 

49,057 00 

8,078 00 

4,233 29 

15,377 24 

656 29 

13,809 93 



$242,540 46 



* Total value of property mortgaged, $368,850 00 

Amount of insurance held as collateral, 100,980 00 



128 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Liabilities 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$42 55 

9,295 00 

1,349 77 

56,765 84 

1,701 25 



,154 41 



$173,386 05 
100,000 00 



$73,386 05 



Income. 

Cash received for fire premiums, . . . $106,017 65 
Deduct re-insurance, rebate and return prem's, 9,377 00 

Net cash received for fire premiums, . . ■ — 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$96,640 65 
8,651 22 
4,470 43 



Gross Cash Income, $109,762 30 



Expenditures. 

Cash paid for fire losses, 

dividends paid, ...... 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



£7,115,829 00 
7,036,219 00 

$14,152,048 00 
7,221,782 00 



$52,987 73 

10,000 00 

14,578 39 

5,300 00 

1,805 55 

7,476 32 

$92,147 99 



Premiums. 

$121,544 67 
106,017 65 



227,562 32 
113,581 45 



1,930,266 00 

33,488 00 



$113,980 87 
449 18 



1,896,778 00 $113,531 69 



Miscellaneous. 
* Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned hy directors, .... 



$961,417 00 
603,767 43 
41,000 00 
10,000 00 
53,340 44 
71,100 00 



1876.] 



AND FIRE-MARINE INS. COS. 



129 



FRANKLIN INSURANCE COMPANY OF BOSTON, BOSTON. 

[Incorporated January 4, 1873. Commenced business February 15, 1873.] 

Paid-up Capital, #200,000. 

William M. Byrnes, President. Secretary, Edmund B. Whitney. 

Office, No. 46 State Street. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Boston city bonds, 5s, gold, . ... $15,000 00 $16,875 00 

6s, 10,000 00 11,250 00 

Worcester city bonds, 6s, 5,000 00 5,400 00 

Medford town notes, 25,000 00 25,000 00 

Boston and Lowell R. R. notes, . . . 20,000 00 20,000 00 

Eastern R. R. bonds, . . . . . . 7,000 00 3,622 50 

100 shares Jamaica Plain G. L. Co., . . . 10,000 00 11,800 00 

So. Boston Gas Light Co. note, .... 10,000 00 10,000 00 

100 shares Merchandise Nat 1 ! Bank, Boston, . 10,000 00 10,500 00 



$112,000 00 $114,447 50 



Securities held as collateral for cash loans 
United States 5-20 bonds, . 



525 shares Boston Wharf Co., . 
Charlestown water loan bond, . 
10 shares Nat'l Bank of No. America, 
Mich. Central R. R. mort. bonds, 
130 shares Alliance Ins. Co., 

11 " Boylston Nat'l Bank, 
9 " Russell Mills, . 

50 " Franklin Ins. Co., 

52 " " " " 



Market value. 

$16,537 50 
2,205 00 

29,400 00 
1,110 00 
1,050 00 
5,062 50 

12,350 00 

1,375 00 

900 00 

4,500 00 

4,680 00 



Loaned thereon. 

$15,000 00 
2,000 00 
23,000 00 
1,000 00 
1,000 00 
3,000 00 
12,350 00 



Summary of Assets, December 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens),' 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Gross Assets, 



$79,170 00 

31, 1876. 

$21,000 00 

59,800 00 

1,250 62 

114,447 50 

66,886 42 

1,624 56 

9,390 26 

2,931 55 

10,794 10 



5,505 75 

4,030 67 
,886 42 



$288,125 01 



* Value of lands mortgaged, $31,700 00 

Value of buildings thereon, 55,700 00 

Total value of property mortgaged $87,400 00 

Amount of insurance held as collateral, 44,800 00 

17 



130 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



$5,096 45 
60,103 85 



$65,200 30 

$222,924 71 
200,000 00 



Surplus over Capital, $22,924 71 



INCOME. 

Cash received for fire premiums, .... 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 
Income from all other sources ; viz., rents, 



Gross Cash Income, 



$89,917 55 

2,979 86 

7,502 03 

378 00 

$100,777 44 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for brokerage and commissions, 

for salaries of officers and employes, 
for state and local taxes, . 



,629 65 
2,766 92 



for office, agency and incidental expenses, 



Gross Cash Expenditures, . . . .... $103,963 02 



$57,862 73 

10,000 00 

11,434 60 

13,425 00 

3,037 83 

8,202 86 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $9,051,356 00 $131,324 76 
written during 1876, . 



8,448,081 00 87,380 30 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 



$17,499,437 00 $218,705 06 
. 8,617,817 00 102,494 36 



^,881,620 00 $116,210 70 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, . . . 



$455,170 19 
201,999 27 
40,000 00 
10,000 00 
50,941 41 
25,200 00 



1876.] 



AND FIKE-MARINE INS. COS. 



131 



GLOBE INSURANCE COMPANY, BOSTON. 

[Incorporated May 4, 1875. Commenced business July 27, 1875.] 

Paid-up Capital, $200,000. 

Geo. M. Buttrick, President. Secretary, Wm. R. Gray. 

Office, No. 7 Exchange Place. 



Detailed Statement of Stocks, 

United States bonds, registered, 

" " bonds, 6s, . 

Springfield, Athol and N. E. Railroad bonds, . 



Securities held as collateral for cash loans : — 

Vermont Central Railroad bonds, 
25 shares Beacon Street Land Co., . 
Bond and mortgage, 

Thames Loan and Trust Co. mortgage bond, 
80 shares Anawan Land Co., 

Bond and mortgage, 

20 shares Beacon Land Co., 



s, Bonds, Etc. 




Par value. 


Market value. 


. $10,000 00 


$11,175 00 


.. 40,000 00 


45,325 00 


4,000 00 


3,600 00 


$54,000 00 


$60,100 00 


Market value. Loaned thereon. 


. |16,000 00 


$10,913 67 


10,000 00^ 
17,000 00/ 


13,500 00 


5,100 50 


5,100 50 


1,000 00 


1,000 00 


6,400 00 


6,050 00 


1,500 00 


500 00 


8,000 00 


3,500 00 



$65,000 50 $40,564 17 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 

Loans on mortgage of real estate (first liens) , 

Interest due or accrued thereon, 

Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

deposited in Nat'l Bank of Commonw'lth 
Interest due and accrued, .... 
Premiums in course of collection (net), . 
Rent paid in advance (lease insured), 
Gross Assets, 



$8,752 31 

88,405 70 

6,693 43 

60,100 00 

40,564 17 

4,834 60 

2,324 85 

1,262 66 

10,559 52 

2,383 31 



$225,880 55 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding; risks, 
Gross Liabilities, except capital, 



$3,616 65 
24,795 44 



28,412 09 



Surplus as regards Policy-holders, . .... $197,46846 
Paid-up capital, 200,000 00 



Impairment of Capital, $2,531 54 



132 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31 



Income. 

Cash received for fire premiums, 

Deduct re-insurancc, rebate and return prem's, 

Net cash received for fire premiums, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from all other sources ; viz., rents, 



$80,457 25 




8,986 49 






$71,470 76 




. 


2,688 66 


urces, . 


2,737 99 


. 


397 50 



Gross Cash Income, 



',294 91 



Expenditures. 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 

Risks and Premiums. 

Fire risks outstanding December 31, 1875, $1,313,017 00 
written during 1876, . . . 5,498,396 00 



29,407 64 
11,123 31 
13,311 90 
2,465 98 
12,440 39 

38,749 22 



Total, . . . ' . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$19,856 31 
80,457 25 



£6,811,413 00 
2,692,364 00 



$4,119,049 00 
69,933 00 



$100,313 56 
51,912 19 

$48,401 -37 
870 55 



1,049,116 00 $47,530 82 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

incurred during the year, . . ... 
Company's stock owned by directors, 



$102,129 30 

29,849 14 

25,392 79 

129,700 00 



GLOUCESTER FIRE INSURANCE COMPANY, GLOUCESTER. 

[Incorporated May 15, 1869. Commenced business March 28, 1870.] 

Paid-up Capital, $100,000. 

R. R. Fears, President. Secretary, John Cunningham. 

Office at Gloucester. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, 5s, $5,000 00 $5,600 00 

United States 10-40 bonds, .... 5,000 00 5,650 00 



1876.] 



AND FIRE-MARINE INS. COS. 



133 



44 shares Gloucester Nat'l Bank, 

100 " Cape Ann Nat 1 ! Bank, 
20 " North Nat'l Bank, Boston, 
50 " Exchange Nat'l Bank, Boston, 

100 " Revere Nat'l Bank, Boston, 
20 " First Natl Bank, Boston, . 
10 " Commonwealth Nat'l Bank, Boston 
10 " Mutual Redemption Bank, Boston, 
36 " Eliot Nat'l Bank, Boston, 
30 " Second Nat'l Bank, Boston, 
7 " Boston Nat'l Bank, Bank, 
20 " Washington Nat'l Bank, Boston, 
6 " Howard Nat'l Bank, Boston, . 
50 " Eastern Railroad, 
10 " Great Falls and Conway Railroad, 
20 " Fitchburg Railroad, . 
35 " Old Colony Railroad, 
20 " Boston and Albany Railroad, . ' 
50 " Gloucester Gas Light Company, 

Eastern Railroad bonds, .... 

Chicago, Burlington and Q. Railroad bonds, 

Boston city bonds, 

Cambridge city bonds, .... 

Somerville city bonds, .... 

Personal loans, 



Securities held as collateral for cash loans 
15 shares Rockport Granite Company, 



$4,400 00 


16,820 00 


10,000 00 


15,500 00 


2,000 00 


2,480 00 


5,000 00 


8,900 00 


10,000 00 


10,900 00 


2,000 00 


4,000 00 


1,000 00 


1,170 00 


1,000 00 


1,450 00 


3,600 00 


3,960 00 


3,000 00 


4,320 00 


700 00 


840 00 


2,000 00 


2,720 00 


600 00 


678 00 


5,000 00 


275 00 


1,000 00 


30 00 


2,000 00 


2,200 00 


3,500 00 


3,710 00 


2,000 00 


2,560 00 


2,500 00 


3,250 00 


6,000 00 


3,120 00 


2,000 00 


2,180 00 


4,000 00 


4,480 00 


5,000 00 


5,300 00 


5,000 00 


5,250 00 


— 


4,200 00 



11,543 00 



Market value. Loaned thereon. 

$2,500 00 02,200 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $48,367 00 

Interest due or accrued thereon, . . . 810 31 

Stocks, bonds, etc., as per schedule, . . . 111,543 00 

Loans on collateral security, as per schedule, . 2,200 00 

Cash in the office of the company, . . . 170 57 

deposited in City Natl Bank, . . . 14,252 20 

Interest due and accrued, 126 41 

Premiums in course of collection (gross), . 7,993 01 

Notes taken for marine and inland risks, . . 4,527 75 

Office furniture, $200 00 

Gross Assets, 



$189,990 25 



* Value of lands mortgaged, $43,800 00 

"Value of buildings thereon, . 65,600 00 

Total value of property mortgaged, $109,400 00 

Amount of insurance held as collateral, 45,000 00 



134 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$1,833 


45 


9,445 


92 


42,266 


51 


250 


00 


470 76 


1,287 


56 



Surplus over Capital, 

Income. 

Cash received for fire premiums, . . . $67,373 10 
Deduct re-insurance, rebate and return prem's, 6,429 28 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $11,349 94 
Deduct re-insurance, rebate and return prem's, 93 75 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $3,776 25 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 

Gross Cash Income, ........ 

Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 

dividends paid, , 

paid for brokerage and commissions, 

for salaries of officers and employes, 
for state and local taxes, . 

Gross Cash Expenditures, .... 

Risks and Premiums. 



$55,554 20 

£134,436 05 
100,000 00 

$34,436 05 



$60,943 82 



11,256 19 



3,960 96 
5,175 68 



$81,336 65 


$45,882 84 


5,582 58 


7,986 00 


9,007 32 


4,807 90 


553 48 



3,820 12 



Fire risks outstanding December 31, 1875 5 
written during 1876, . 

Total, ....... 

Deduct risks expired and terminated, 

In force at end of year, .... 

Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$4,880,561 43 

. 3,974,870 08 

$8,855,431 51 

. 4,264,482 01 



Premiums. 

,935 29 
64,678 11 



5153,613 40 
75,306 87 



$4,590,949 50 $78,306 53 

$5,703 00 
8,952 23 



^,150 00 
243,555 00 

$327,705 00 
271,705 00 



$14,655 23 
11,541 98 



$56,000 00 $3,113 25 



1876.] 



AND FIRE-MARINE INS. COS. 



135 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$349,097 83 

221,717 02 

26,000 00 

8,000 00 

53,060 17 

34,600 00 



MANUFACTURERS' FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated January 9, 1873. Commenced business January 9, 1873.] 

Paid-up Capital, $500,000. 

Samuel Gould, President. Secretary, James J. Goodrich. 

Office, No. 59 State Street. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

200 shares Nat'l City Bank, .... $20,000 00 $23,200 00 

150 " Shawmut Nat'l Bank, . . . 15,000 00 18,000 00 

250 " Second Nat'l Bank, .... 25,000 00 36,000 00 

200 " Shoe and Leather Nat'l Bank, . . 20,000 00 23,800 00 

150 " Hamilton Nat'l Bank, . . . 15,000 00 18,000 00 

Cheshire R. R. bonds, 28,000 00 27,160 00 

Boston and Lowell Railroad bonds, . . . 100,000 00 105,000 00 

Middlesex R. R. bonds, 25,000 00 27,000 00 

Somerville R. R. bonds, 2,000 00 2,000 00 



$250,000 00 $280,160 00 



Securities held as collateral for cash loans : — 



200 shares Faneuil Hall Nat'l Bank, 

25 " Androscoggin Mills, 

8 " Lowell Machine Shop, 

5 " Lowell Manuf'g Company, 

40 " Nat'l City Bank, 

50 " Boston Machine Co., 

250 " Forbes Lithographic Co., 

190 " Franklin Company, . 

10 " Franklin Company, . 

401 " Cheshire Railroad, . 

5 " Laconia Company, . 

18 " Union Market Nat'l Bank, 

21 " Boston and Lowell Railroad, 

25 " Faneuil Hall Ins. Co., 

5 " York Manuf'g Co., . 



Market value. 
$26,800 00 
2,550 00 
6,040 00 
2,825 00 
4,540 00 



Loaned thereon. 

$20,000 00 

2,000 00 

6,000 00 

2,000 00 

4,000 00 



} 



25,000 00 25,000 00 



14,250 00 

750 00 

14,035 00 

1,663 00 

1,980 00 

6,720 00 

2,000 00 

6,500 00 



} 



15,000 00 

14,000 00 

1,000 00 

1,600 00 

2,000 00 

2,300 00 

5,000 00 



136 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 3L 



500 shares Manchester Mills, 
250 " Narragansett Mills, . 
650 " Crescent Mills, . 
300 " King Philip Mills, . 
25 " American Linen Co., 
United States bonds, 1881, 
Michigan Central Railroad bonds, 
Cheshire Railroad bonds, . 
Middlesex Railroad bonds, 
N. Y. and N. England Railroad bonds, 
Cheshire Railroad bonds, . 



$58,000 00 
25,000 00 
65,000 00 
30,000 00 
25,000 00 
55,000 00 
5,500 00 
19,400 00 
2,160 00 
20,000 00 
29,100 00 



$50,000 00 
25,000 00 
65,000 00 
30,000 00 
25,000 00 
40,000 00 

5,000 00 
20,000 00 

2,000 00 
20,000 00 
30,000 00 



$449,813 00 $411,900 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, and with Lon 
don bankers, ..... 

Interest due and accrued, .... 

Premiums in course of collection (net), . 
Notes taken for marine and inland risks, . 
Bills receivable, ...... 

Rents due and accrued, .... 

Gross Assets, ..... 



$135,000 00 

84,400 00 

1,160 10 

280,160 00 

411,900 00 

2,737 82 

139,458 72 

7,633 15 

15,081 01 

80,328 32 

69,492 98 

1,680 00 



,229,032 10 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Unused balances of premium notes, . 
Dividends to stockholders unpaid, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



1,200 00 

337,868 01 

3,955 50 

200 00 



431,223 51 



$797,808 59 
500,000 00 

$•297,808 59 



Income. 

Cash received for fire premiums, . . . $253,669 84 

Deduct re-insurance, rebate and return prem's, 40,020 04 

Net cash received for fire premiums, . . 



$213,649 80 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$131,500 00 
44,000 00 



1876.] 



AND FIRE-MARINE INS. COS. 



137 



Cash received for marine and inland premiums, $175,512 79 
Deduct re-insurance, rebate and return prem's, 20,061 28 

Net cash received for marine and inl'd prem's, $155,451 51 

Interest received on bonds and mortgages, .... 2,665 00 

Interest and dividends received from all other sources, . . 51,555 71 

Income from all other sources ; viz., rents, .... 6,925 25 

Gross Cash Income, $430,247 27 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, .... 

paid for commissions and brokerage, 

for salaries of officers and employes 
for state and local taxes, . 



$114,036 72 
1,306 55 

$142,591 54 
2,794 89 



$112,730 17 



139,796 65 

24,800 00 

16,399 49 

36,449 44 

9,016 75 



Gross Cash Expenditures, $339,192 50 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$26,428,366 00 
24,478,921 00 



Premiums. 

$370,630 57 
253,669 84 



$50,907,287 00 
20,328,190 00 



$624,300 41 
282,862 59 



$30,579,097 00 
359,778 00 



$341,437 82 
4,114 55 



$30,219,319 00 

$6,521,522 00 
10,304,295 00 



$337,323 27 
l 

$198,203 80 

132,039 91 



$16,825,817 00 
13,146,988 00 



,243 71 
148,400 65 



$3,678,829 00 
14,500 00 



$181,843 06 
500 00 



5,664,329 00 $181,343 06 



Miscellaneous. 
Premiums received from organization of company, . $2,184,983 68 

Losses paid from organization of company, .... 987,710 08 

Cash dividends declared from organization of company, . 125,000 00 

Dividends declared during the year (10 per cent.), . . 50,000 00 

Losses incurred during the year, . . . . . . 273,727 00 

Company's stock owned by directors, ■ 74,800 00 

18 



138 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
MERCANTILE MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 

Paid-up Capital, $300,000. 

George R. Rogers, President. Secretary, B. F. Field, Jr. 

Office, No. 58 State Street. 





Detailed Statement of Stocks 


, Bonds, Etc. 






Par value. 


Market value. 


100 shares Atlantic Nat'l Bank, . . . . $10,000 00 


$12,900 00 


200 ' 


City Nat'l Bank, 






20,000 00 


23,200 00 


200 ' 


' Columbian Nat'l Bank, 






20,000 00 


28,200 00 


214 ' 


' Eagle Nat'l Bank, . 






21,400 00 


24,824 00 


300 ' 


' Globe Nat'l Bank, . 






30,000 00 


36,000 00 


120 ' 


' Hamilton Nat'l Bank, 






12,000 00 


13,800 00 


160 ' 


* New England Nat'l Bank 






16,000 00 


22,400 00 


200 ' 


' North Nat'l Bank, . 






20,000 00 


24,400 00 


37 « 


' Railroad Nat'l Bank, 






3,700 00 


4,255 00 


178 ' 


4 State Nat'l Bank, . 






17,800 00 


19,936 00 


535 ' 


' Suffolk Nat'l Bank, . 






53,500 00 


64,200 00 


200 ' 


' Tremont Nat'l Bank, 






20,000 00 


22,200 00 


200 ' 


' Union Nat'l Bank, . 






20,000 00 


30,400 00 


200 ' 


' Boston and Providence R 


R., 




20,000 00 


26,000 00 


100 ' 


' Lyman Mills, . 






10,000 00 


6,000 00 


New B 


edford R. R. bonds, 






30,000 00 


28,500 00 


Boston 


and Albany R. R. bonds, 






30,000 00 


34,200 00 


Boston 


and Maine R. R. bonds, . 






10,000 00 


11,000 00 


Boston 


and Lowell R. R. bonds, 






15,000 00 


15,750 00 


Fitchbi 


irg R. R. bonds, 






25,000 00 


28,000 00 


Charles 


stown water loan bonds, 






10,000 00 


11,100 00 


Boston 


city bonds, 6s, 






65,000 00 


74,100 00 


United 


States bonds, . 






10,000 00 


11,100 00 






$489,400 00 


$572,465 00 


Secu 


rities held as collateral for cash loans : — 






Market value. Loaned thereon. 


United 


States bonds, 5s, „ $11,100 00 


$10,000 00 


IC 


"6s, 484 00 


400 00 


32 shai 


es Boston and Albany R. R., . 


4,064 00 


2,500 00 




$15,648 00 


$12,900 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $26,500 00 
Interest due or accrued thereon, . . . 535 00 

* Value of lands mortgaged, $12,700 00 

Value of buildings thereon, 25,200 00 

Total value of property mortgaged . . $37,900 00 

Amount of insurance held as collateral 26,000 00 



1876.] 



AND FIRE-MARINE INS. COS. 



139 



Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Gross Assets, .... 



$572,465 00 

12,900 00 

1,036 35 

33,302 89 

5,958 76 

1,884 07 

51,702 40 



$706,284 47 



Liabilities 

Losses adjusted, unpaid, ... 

claimed and reported, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$318 83 

6,600 00 

92,891 29 

1,088 00 

2,451 50 



103,349 62 

$602,934 85 
300,000 00 

$302,934 85 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prenVs, 

Unpaid premium notes received during the 

year, $53,066 57 

Interest and dividends received from all other sources, . 



29,958 36 
3,095 21 

$93,366 54 
10,175 43 



$26,863 15 



83,191 11 



36,508 63 



Gross Cash Income, 



$146,562 89 



Expenditures. 

Cash paid for fire losses, .... 

for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, .... 

for office, agency and incidental expenses, 



$46,914 93 
1,921 93 



L,779 56 



44,993 00 
47,900 00 

4,055 09 
11,868 00 

1,324 52 
10,191 60 



Gross Cash Expenditures, $125,111 77 



140 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 

Premiums. 

?ire risks outstanding December 31, 1875, $6,971,853 00 $69,064 94 



written during 1876, . 



Net amount in force, . 



6,826,555 00 34,368 99 



Total, 

Deduct risks expired and terminated, 


$13,798,408 00 
6,904,445 00 


$103,433 93 
38,471 80 


In force at end of year, .... 
Deduct amount re-insured, 


$6,893,963 00 
109,350 00 


$64,962 13 
1,129 57 


Net amount in force, . 

Marine risks outstanding December 31, 1875, 
written during 1876, 


$6,784,613 00 

$4,690,754 00 
5,220,201 00 


$63,832 56 

$66,815 97 
62,162 73 


Total, 

Deduct risks expired and terminated, 


$9,910,955 00 
5,607,130 00 


$128,978 70 
70.231 36 


In force at end of year, .... 
Deduct amount re-insured, 


$4,303,825 00 
178,712 00 


$58,747 34 
3,200 56 



t,125,113 00 $55,546 78 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$4,541,033 29 

3,616,748 28 

1,579,500 00 

48,000 00 

28,635 61 

24,400 00 



NEPTUNE FIRE AND MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated December 24, 1872. Commenced business January 1, 1873.] 

Paid-up Capital, $300,000. 

George F. Osborne, President. Secretary, Eugene B. Hinkley. 

Office, No. 64 State Street. 



Detailed Statement of Stocks, 



700 shares Tremont Nat'l Bank, 

100 " Natl Union Bank, . 

30 " Massachusetts Nat'l Bank, 

75 " Hamilton Nat'l Bank, 

101 " Suffolk Nat'l Bank, . 
36 " Globe Nat'l Bank, . 

150 " Revere Nat'l Bank, . 

16 " Everett Nat'l Bank, . 

22 " Nat'l Bank of Redemption, 



Bonds, Etc. 

Par value. 
$70,000 00 

10,000 00 
7,500 00 
7,500 00 

10,100 00 
3,600 00 

15,000 00 
1,600 00 
2,200 00 



Market value. 

$77,700 00 

15,250 00 

9,075 00 

9,000 00 

12,221 00 

4,320 00 

16,425 00 

1,904 00 

3,190 00 



1876.] 



AND FIRE-MARINE INS. COS. 



141 



27 shares Shoe and Leather Nat'l Bank, 
134 " Boston and Providence R. R., 
100 " Old Colony R. R., . 
United States bonds, . 
Boston and Maine R. R. bonds, 7s, 
Fitchburg R. R. bonds, 7s, 
" city bonds, 6s, . 

Brookline water loan, 7s, . 
Providence city bonds, 7s, . 
Union Pacific R. R. 1st mortgage bonds, 

" " " land grant bonds, 

Corporation notes, indorsed, 



Securities held as collateral for cash loans : — 



$2,700 00 
13,400 00 
10,000 00 
50,000 00 
30,000 00 
10,000 00 
30,000 00 
10,000 00 
25,000 00 
20,000 00 
30,000 00 



$3,213 00 
17,554 00 
10,350 00 
58,625 00 
33,150 00 
11,200 00 
31,800 00 
11,600 00 
25,500 00 
20,650 00 
29,850 00 
35,000 00 

$437,577 00 



United States bonds, 6s, 
Union Pacific R. R. land grant bonds, 
" S. F. bonds, 



Market value. Loaned thereon. 

$17,587 50 $15,000 00 



} 



24,770 00 21,400 00 



$42,357 50 $36,400 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in Tremont Nat'l Bank, . 

Interest due and accrued, .... 

Premiums in course of collection (net), . 

Notes taken for marine and inland risks, . 

Gross Assets, 



|20,000 00 

563 33 

437,577 00 

36,400 00 

559 16 

32,805 80 

4,895 00 

7,522 18 

98,448 71 



$638,771 18 



Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$51,000 00 

2,500 00 

156,408 31 

575 00 



210,483 31 

$428,287 87 
300,000 00 

$128,287 87 



* Value of lands mortgaged, $18,000 00 

Value of buildings thereon, 30,000 00 



Total value of property mortgaged, $48,000 00 

Amount of insurance held as collateral, 17,500 00 



142 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Income, 

Cash received for lire premiums, . . . $92,534 00 

Deduct re-insurance, rebate and return preru's, 5,403 34 

Net cash received for fire premiums, . . $87,130 66 

Cash received for marine and inland prem's, . $139,175 51 

Deduct re-insurance, rebate and return prem's, 7,957 59 

Net cash received for marine and inl'd prem's, 131,217 92 

Unpaid premium notes received during the 

year, $74,761 69 

Interest and dividends received from all other sources, . . 24,268 94 



Gross Cash Income, $242,617 52 



Expenditures. 

Cash paid for fire losses, ... . $29,420 98 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 



67 34 

$29,353 64 



. $90,399 19 
764 90 

Net cash paid for marine and inland losses, . 89,634 29 

Cash dividends paid, 30,000 00 

paid for commissions and brokerage, .... 15,852 40 

for salaries of officers and employes, . . . 14,667 01 

for state and local taxes, 4,221 95 

for all other items; viz., rent, $4,141.87; inci- 
dental expenses, $5,847.85, . .... 9,989 72 



Gross Cash Expenditures, $193,719 01 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $8,322,526 00 $128,122 37 
written during 1876, . . . 8,425,992 00 88,440 29 



Total, $16,748,518 00 $216,562 66 

Deduct risks expired and terminated, . 8,792,230 00 105,141 34 



In force at end of year, .... $7,956,28800 $111,42132 

Marine risks outstanding December 31, 1875, $3,713,926 00 $122,584 23 
written during 1876, . . 3,309,227 00 99,131 34 



Total, ....... $7,023,153 00 $221,715 57 

Deduct risks expired and terminated, . . 3,798,780 00 120,695 90 



In force at end of year, .... $3,224,37300 $101,01967 
Deduct amount re-insured, . . . 34,150 00 248 85 



Net amount in force, .... $3,190,223 00 $100,770 82 

Miscellaneous. 

Premiums received from organization of company, . . $950,993 79 

Losses paid from organization of company, .... 560,649 66 



1876.] 



AND FIRE-MARINE INS. COS. 



143 



Cash dividends declared from organization of company, . $90,000 00 

Dividends declared during the year (10 per cent.), . • 30,000 00 

Losses incurred during the year, 137,487 93 

Company's stock owned by directors, 45,100 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business January 1, 1873.] 

Paid-up Capital, $200,000. 

Albert Bowker, President. Secretary, E. E. Patridge. 

Office^ No. 1 Old State House. 



Detailed Statement of 



Cambridge city bonds, 
United States bonds, 5s, reg'd, 
Eastern Railroad bonds, 
Columbian Nat'l Bank stock, 
Merchants' Nat'l Bank stock, 
State Nat'l Bank stock, 



Stocks, Bonds, Etc. 

Par value. 
$10,000 00 
20,000 00 
21,000 00 
5,000 00 
10,000 00 
10,000 00 



Market value. 

$10,650 00 

22,400 00 

10,815 00 

7,050 00 

14,000 00 

11,200 00 



Securities held as collateral for cash loans :- 
Eleventh Ward Nat'l Bank stock, 

(C (( u 

Watertown town note, .... 



$76,000 00 $76,115 00 



Market value. Loaned thereon. 

$6,012 50 $5,680 00 

15,725 00 15,000 00 

5,000 00 5,000 00 



$26,737 50 $25,680 00 



Summary op Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $210,039 71 

Interest due or accrued thereon, . . . 8,777 00 

Stocks, bonds, etc., as per schedule, . . . 76,115 00 

Loans on collateral security, as per schedule, . 25,680 00 

Cash in the office of the company, . . . 1,336 27 

deposited in Merchants' Nat'l Bank, . 4,237 70 

Interest due and accrued, 860 72 

Premiums in course of collection (gross), . 2,608 26 

Gross Assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $45,104 57 

Dividends to stockholders unpaid, . . . 200 00 



$329,654 66 



* Total value of property mortgaged, $438,100 00 

Amount of insurance held as collateral 134,872 00 



144 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Commissions and brokerage, 
Re-insurance premiums, due, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
N Paicl-up capital, 



§154: 03 

73 70 



$45,532 30 

§284,122 36 
200,000 00 



Surplus over Capital, $84,122 36 



Income. 

Cash received for fire premiums, . . . §52,694 42 
Deduct re-insurance, rebate and return prem's, 6,057 29 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 



Interest and dividends received from all other sources, . 
Commissions and profits, 



§46,637 13 

13,652 68 

5,482 99 

4,504 79 



Gross Cash Income, §70,277 59 



Expenditures. 

Cash paid for fire losses, §13,570 53 

Deduct salvage and re-insurance, . . . 378 00 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



§13,192 53 

19,800 00 

4,638 23 

12,724 90 

3,592 21 

8,507 51 

§62,455 38 



Fire risks outstanding December 31, 1875 
written during 1876, . 



Risks and Premiums. 

Premiums. 

§8,891,402 00 §103,153 78 
6,700,070 00 50,265 19 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



§15,591,472 00 §153,418 97 
6,770,091 00 53,801 66 



§8,821,381 00 §99,617 31 
334,344 00 4,048 93 



§8,487,037 00 §95,568 38 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, .... 



274,378 04 
57,410 85 
60,000 00 
20,000 00 
13,570 53 
49,400 00 



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146 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ..... 



Surplus over Capital, 



$1,589 43 

3,141 00 

93,908 62 

2,171 72 



,810 77 



. $284,993 47 
. 200,000 00 



54,993 47 



Income. 

Cash received for fire premiums, . . . $147,193 70 
Deduct re-insurance, rebate and return prem's, 14,970 08 

Net cash received for fire premiums, . . $132,223 62 

Interest received on bonds and mortgages, .... 4,830 00 

Interest and dividends received from all other sources, . 13,972 00 

Income from all other sources, 189 57 



Gross Cash Income, $151,215 19 

Expenditures. 

Cash paid for fire losses, . . ... . $69,813 49 

Deduct salvage and re-insurance, . . . 1,049 76 

Net cash paid for fire losses, .... $68,763 73 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 21,39440 
for salaries of officers and employes, . . . 9,950 00 

for state and local taxes, 3,358 08 

for all other items ; viz., rent, $4,250 ; 
office, agency and incidental ex- 
penses, $6,588.11, 10,838 11 



Gross Cash Expenditures, $134,304 32 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $12,773,510 00 $183,735 41 
written during 1876, . . . 13,460,231 00 146,701 46 



Total, $26,233,741 00 $330,436 87 

Deduct risks expired and terminated, . 12,364,604 00 140,705 54 

In force at end of year, .... $13,869,137 00 $189,731 33 

Deduct amount re-insured, . . . . 134,938 00 2,136 63 

Net amount in force, . " . '. . $13,734,199 00 $187,594 70 



1876.] 



AND FIRE-MARINE INS. COS. 



147 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, . . . . . 
Company stock owned by directors, 



$539,052 94 

179,524 77 

50,000 00 

20,000 00 

67,255 69 

117,600 00 



REVERE FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated May 3, 1875. Commenced business May 6, 1875.] 

Paid-up Capital, $200,000. 

Joseph H. Wellman, President. Secretary, John W. Belcher. 

Office, 48 Congress Street. 



Detailed Statement of Stocks, 



United States 5-20 bonds, . 
87 shares Metropolitan Natl Bank, 

50 ' 

26 < 

50 ' 

50 « 

50 ' 

52 ' 

15 ' 

20 ' 

38 ' 

69 ' 

63 ' 

100 « 

30 ' 

100 ' 



1 Tremont Natl Bank, 
1 Second Nat'l Bank, . 
1 Third Nat'l Bank, . 
1 Boston Nat'l Bank, . 
' Boylston Natl Bank, 

• Blackstone Nat'l Bank, 
1 Eagle Nat'l Bank, . 
1 Mt, Vernon Nat'l Bank, 

Everett Nat'l Bank, . 

• Natl Bank of the Republic, 
' Nat'l Bank of Redemption, 
; Old Colony Railroad, 

Norwich and Worcester Railroad, 
; Boston and Albany Railroad, . 
Cheshire Railroad bonds, .... 
20 shares E. and T. Fairbanks and Co. stock, 
South Boston Gas Light Company notes, . 



Securities held as collateral for cash loans :■ 

200 shares Insurance Co. of North America, 
15 " Broadway Natl Bank, . 



Bonds, Etc. 

Par value. 

$30,000 00 

8,700 00 

5,000 00 

2,600 00 

5,000 00 

5,000 00 

5,000 00 

5,200 00 

1,500 00 

2,000 00 

3,800 00 

6,900 00 

6,300 00 

10,000 00 

3,000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 



Market value. 

$34,050 00 

8,004 00 

5,500 00 

3,744 00 

6,100 00 

5,900 00 

6,225 00 

6,032 00 

1,695 p0 

2,500 00 

4,484 00 

9,108 00 

9,135 00 

10,300 00 

3,750 00 

12,800 00 

15,000 00 

10,000 00 

10,000 00 



$145,000 00 $164,327 00 



Market value. Loaned thereon. 

$6,600 00 $6,000.00 
1,500 00 450 00 



$8,100 00 



>,450 00 



148 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 3L 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in Everett Nat'l Bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
, Gross Assets, 



,000 00 

1,568 34 

164,327 00 

6,450 00 

342 35 

14,012 03 

1,381 85 

11,293 07 



$268,374 64 



Liabilities. 
Losses adjusted, unpaid, .... 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . ... 



Surplus over Capital, 



$24 15 

2,000 00 

44,077 66 

875 00 

1,693 95 



48,670 76 

$219,703 88 
200,000 00 

$19,703 88 



Income. 

Cash received for fire premiums, . . . $74,955 35 
Deduct re-insurance, rebate and return prem's, 9,564 14 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$65,391 21 
4,160 90 
6,495 54 



Gross Cash Income, $76,047 65 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



,254 32 
9,752 48 
9,164 00 
3,772 64 
8,611 27 



Gross Cash Expenditures, . . ...... . . $41,554 71 



* Value of lands mortgaged, 
Value of buildings thereon, 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$32,200 00 
81,800 00 

$114,000.00 
64,500 00 



1876.] AND FIRE-MARINE INS. COS. 

Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, . 



$3,464,416 00 
. 8,194,369 00 

$11,658,785 00 
. 5,283,396 00 

$6,375,389 00 
. 116,673 00 



149 



Premiums. 

$37,250 67 
82,274 91 

m9,525 58 
41,265 21 

$78,260 37 
1,677 93 



1,258,716 00 $76,582 44 



Miscellaneous. 

Premiums received from organization of company, . . $102,469 40 

Losses paid from organization of company, .... 11,006 02 

incurred during the year, 7,778 47 

Company's stock owned by directors, . . . . . 28,400 00 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1856. Commenced business Feb. 7, 1857.] 

Paid-up Capital, $ 100,000. 

William Northey, President. Secretary, F. P. Richardson. 

Office at Salem. 



Detailed Statement of Stocks, 



United States bonds, 6s, . 
Burlington and Missouri Railroad bonds, . 
Cedar Rapids and Mo. River Railroad bonds, 
Vt. Central and Vt. and Canada Railroad bonds 
Cleveland city bonds, 7s, . 
Providence city (gold) bonds, 5s, 
Cambridge city bonds, .... 
United States bonds, 5s, . 

30 shares Mercantile Natl Bank, Salem, 

81 

73 

98 
100 

93 
100 
100 
100 

51 

30 



Merchants' Nat'l Bank, Salem, 
Exchange Nat'l Bank, Salem, . 
First Nat'l Bank, Salem, . 
Naumkeag Nat'l Bank, Salem, 
North Nat'l Bank, Boston, 
Second Nat'l Bank, Boston, 
Webster Nat'l Bank, Boston, . 
Bank of Commerce, Boston, . 
Atlantic Nat'l Bank, Boston, . 
Merchants' Nat'l Bank, Boston, 



Bonds, Etc. 

Par value. 

$15,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

3,000 00 

4,050 00 

7,300 00 

9,800 00 

10,000 00 

9,300 00 

10,000 00 

10,000 00 

10,000 00 

5,100 00 

3,000 00 



Market value. 

$17,100 00 

5,150 00 

4,950 00 

1,450 00 

10,450 00 

5,400 00 

11,100 00 

11,187 50 

3,540 00 

5,427 00 

8,760 00 

12,054 00 

15,200 00 

11,532 00 

14,400 00 

10,175 00 

11,300 00 

6,579 00 

4,200 00 



150 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

16 shares Shawmut Nat'l Bank, Boston, . 
21 " Natl Bank, Boston, . 



Securities held as collateral for cash loans :• — 

Atchison, Topeka and S. F. Railroad bonds, 
Providence city bonds, gold, .... 
Burlington and Mo. Railroad mortgage bonds, 
Massachusetts state bonds, gold, 
Mad River and Lake Erie Railroad bonds, 
Cinn. Sandusky and Clev. Railroad bonds, 
Union Pacific S. F. bonds, ..... 



Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Gross Assets, . 

Liabilities. 

Losses adjusted, unpaid, . . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ...... 

Surplus over Capital, ....... 3 ^15,985 96 

Income. 

Cash received for marine and inland prem's, . $105,885 96 
Deduct re-insurance, rebate and return prem 1 s, 8,237 94 

Net cash received for marine and inPd prem's, $97,618 02 

Interest and dividends received from all sources, . . . 10,001 61 



$1,600 00 


$1,920 00 


2,100 00 


2,520 00 


$150,250 00 


$174,394 50 


Market value. Loaned thereon. 


$2,775 00 > 




5,400 00 


► $9,000 00 


3,285 00 j 




3,435 00 


3,000 00 


2,250 00 1 




570 00 


► 3,500 00 


920 00. 




$18,635 00 


$15,500 00 


s 31, 1876. 




$174,394 50 




15,500 00 




66 10 




43,526 79 




1,575 00 




2,074 22 




50,056 18 




■•————— 


$287,192 79 


$19,570 00 




50,056 18 




664 00 




460 00 




456 65 






71,206 83 




e 


$215,985 96 


. 


^00,000 00 



Gross Cash Income, . $107,649 63 

Expenditures. 

Cash paid for marine and inland losses, . . $60,923 87 

Deduct salvage and re-insurance, . . . 4,367 91 

Net cash paid for marine and inland losses, . $56,555 96 



1876.1 



AND FIRE-MAKINE INS. COS, 



151 



Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office expenses, .... 



Gross Cash Expenditures, 



$10,041 


00 


4,250 


93 


3,027 00 


246 


12 


1,162 


43 



7 5,283 44 



Risks and Premiums. 

Marine risks outstanding December 31, 1875, $1,434,048 00 



written during 1876, 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



3,437,666 00 



Premiums. 

£65,424 63 
81,355 99 



14,871,714 00 $146,780 62 
3,737,036 00 96,714 44 



$1,134,678 00 
25,150 00 

$1,109,528 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



,066 18 



,673 44 

651,607 56 

194,000 00 

10,000 00 

67,403 37 

12,200 00 



SHAWMUT INSURANCE COMPANY, BOSTON. 

[Incorporated July 29, 1875. Commenced business September 23, 1875.] 

Paid-up Capital, $500,000. 

Wm. S. Denny, President. Secretary, U. C. Crosby. 

Office, Post Office Square. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States registered bonds, 6s, . . . $100,000 00 $113,750 00 

Massachusetts state registered bonds, 5s, . . 100,000 00 114,000 00 

Boston city water loan bonds, 5s, . . . 100,000 00 112,000 00 

Newton " " " 6s, . . . 50,000 00 55,000 00 

Fall River " " " 5s, . . . 40,000 00 42,000 00 

United States 5-20 coupon bonds, 6s, . . 600 00 664 50 

100 shares Merchandise Nat'l Bank, Boston, . 10,000 00 10,400 00 

12 " First Natl Bank, Chelsea, . . 1,200 00 1,320 00 

Dist. of Columbia registered bonds, . . 55,000 00 38,775 00 



$456,800 00 $487,909 50 



152 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $22,400 00 

Interest due or accrued thereon, . . . 396 75 

Stocks, bonds, etc., as per schedule, . . . 487,909 50 

Cash in the office of the company, . . . 646 33 

deposited in Commonwealth Natl Bank, 38,561 79 

Interest due and accrued, 3,260 62 

Premiums in course of collection (gross), . 26,975 20 
Office furniture and maps, . . $4,500 00 

Gross Assets, ...... $580,150 19 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, .... 



Impairment of Capital, 



$6,614 32 

3,360 00 

83,997 14- 

274 65 

211 88 

2,033 85 

857 17 



97,349 01 

$482,801 18 
500,000 00 

$17,198 82 



Income. 

Cash received for fire premiums, . . . $190,766 97 
Deduct re-insurance, rebate and return prem's, 19,242 10 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$171,524 87 

470 05 

24,217 07 



Gross Cash Income, $196,211 99 



Expenditures. 

Cash paid for fire losses, . . . . . $66,222 95 
Deduct salvage and re-insurance, . . . 1,357 08 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . . ... 
for office, agency and incidental expenses, . 



Gross Cash Expenditures, 



,865 87 

23,268 78 

31,192 59 

9,870 89 

22,725 33 

L51,923 46 



* Value of lands mortgaged, 
Value of buildings thereon, 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$45,000 00 
10,000 00 

$55,000 00 
3,500 00 



1876.] 



AND FIRE-MARINE INS. COS. 



153 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . 



$4,239,632 00 
13,475,031 00 



$17,714,663 00 
7,173,856 00 



$10,540,807 00 
56,134 00 



Premiums. 

t,312 66 
190,766 97 



$255,079 63 
95,124 06 



$159,955 57 
987 31 



$10,484,673 00 $158,968 26 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

incurred during the year, . . . . 
Company's stock owned by directors, 



$256,208 83 

68,627 82 

74,692 55 

204,800 00 



SHOE AND LEATHER INSURANCE COMPANY, BOSTON. 

[Incorporated December 26, 1872. Commenced business January 1, 1873.] 

Paid-up Capital, #300,000. 

John C. Abbott, President. Secretary, Henry B. White. 

Office, No. 52 Devonshire Street. 



Detailed Statement of 

253 shares Shawmut Nat'l Bank, 

250 " Nat'l Bank of the Republic, 

50 " Merchandise Nat'l Bank, 
200 " Hamilton Nat'l Bank, 
100 " Second Nat'l Bank, . 

31 " Atlantic Nat'l Bank, 
117 " Tremont Nat'l Bank, 

62 " Merchants' Nat'l Bank, 

54 " Nat'l Bank of Redemption, 
167 " Blackstone Nat'l Bank, 

47 " Atlas Nat'l Bank, . 
Boston and Albany Railroad bonds, 7s, 
Eastern Railroad bonds, 6s, 
Cambridge city bonds, 6s, . 
Providence city bonds, 5s, gold, 
Somerville city bonds, 6|s, 
Boston city bonds, 6s, 
United States 5-20 bonds, . 
Woburn town bonds, 6s, . 



20 



Stocks, Bonds, Etc. 

Par value. 

$25,300 00 
25,000 00 

5,000 00 
20,000 00 
10,000 00 

3,100 00 
11,700 00 

6,200 00 

5,400 00 
16,700 00 

4,700 00 
25,000 00 
21,000 00 
40,000 00 
25,000 00 
21,500 00 
15,000 00 
100,000 00 
15,000 00 



Market value. 

$30,360 00 

32,937 50 

5,250 00 

24,000 00 

14,400 00 

3,999 00 

12,987 00 

8,680 00 

7,830 00 

19,288 50 

5,463 75 

29,200 00 

10,867 50 

45,150 00 

27,671 85 

23,139 37 

15,450 00 

112,995 00 

16,575 00 



$395,600 00 $446,244 47 



154 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

50 shares Shawmut Nat'l Bank, . . . $6,000 00 $3,800 00 
Woburn town note, ...... 15,000 00 15,000 00 

Brookline town notes, . . . . . 13,000 00 13,000 00 



$34,000 00 $33,800 00 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $30,000 00 

Interest due or accrued thereon, . . . 1,009 17 

Stocks, bonds, etc., as per schedule, . . . 446,244 47 

Loans on collateral security, as per schedule, 33,800 00 

Cash in the office of the company, . . . 2,538 37 

deposited in various banks, , . . 24,934 32 

Interest due and accrued, 538 49 

Premiums in course of collection (gross), . 28,054 15 

Notes taken for marine and inland risks, . . 74,914 35 

Gross Assets, $642,033 32 

Liabilities. 

Losses claimed and reported, .• . . . $22,954 74 

Net amount of unpaid losses, .... 185,563 79 
Commissions and brokerage, . . . 2,177 43 

Gross Liabilities, except capital, . . 210,695 96 

Surplus as regards Policy-holders, $431,337 36 

Paid up capital, . . . 300,000 00 

Surplus over Capital, $131,337 36 

Income. 

Cash received for fire premiums, . . . $130,783 00 
Deduct re-insurance, rebate and return prem's, 3,547 09 

Net cash received for fire premiums, . . $127,235 91 

Cash received for marine and inland prem's, . $93,334 94 
Deduct re-insurance, rebate and return prem's, 9,038 63 

Net cash received for marine and inl'd prem's, 84,296 31 

Unpaid premium notes received during the 

year, $74,914 35 

Interest received on bonds and mortgages, .... 2,10000 
Interest and dividends received from all other sources, . . 23,550 48 



Gross Cash Income, f $237,182 70 

* Value of lands mortgaged, $27,000 00 

Value of buildings thereon 30,000 00 

Total value of property mortgaged, $57,000 00 

Amount of insurance held as collateral, 20,500 00 



1876.] 



AND FIRE-MARINE INS. COS. 



155 



Expenditures. 

Cash paid for fire losses, .... 

for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes 

for state and local taxes, . 

for rent and office expenses, 



Gross Cash Expenditures, 



$43,133 57 
79,462 71 
30,000 00 
11,348 64 
13,380 00 
3,861 69 
9,743 79 

$190,930 40 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$12,460,173 00 
13,989,092 00 

$26,449,265 00 
12,185,924 00 

$14,263,341 00 
58,305 00 



Premiums. 

$186,249 99 
166,533 86 

$352,783 85 
152,310 68 

$200,473 17 
661 36 



$14,205,036 00 $199,811 81 



£1,328,814 00 
5,532,409 00 

£6,861,223 00 
5,591,408 00 



$57,072 71 

128,630 31 

$185,703 02 

103,900 74 



.,269,815 00 $81,802 28 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$867,190 32 

308,754 91 

90,000 00 

30,000 00 

137,410 45 

69,700 00 



156 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced business 1851.] 

Paid-up Capital, $ 750,000. 

Dwight R. Smith, President. Secretary, Sanford J. Hall. 

Office at Springfield. 



Detailed Statement of Stocks, 



50 " John Hancock Nat'l B'k, Springfield 

104 " Chicopee Nat'l Bank, Springfield, 

78 " Pynchon Nat'l Bank, Springfield, 

24 " Second Nat'l Bank, Springfield, 

150 " Third Nat'l Bank, Springfield, 

100 " Ware Nat'l Bank, Ware, . 

34 " First Nat'l Bank, Northampton, 

10 " Monson Nat'l Bank, Monson, . 

100 " Merchants' Nat'l Bank, Boston, 

100 " Nat'l Bank of Commerce, Boston, 

100 " Atlas Nat'l Bank, Boston, 

100 " Howard Nat'l Bank, Boston, 

100 " Webster Nat'l Bank, Boston, 

150 " Boylston Nat'l Bank, Boston, 

100 " Eliot Nat'l Bank, Boston, 

50 " Nat'l Bank of Commerce, N. Y., 

500 " Boston and Albany R. R., 

500 " Boston and Providence R. R., 

500 " Connecticut River R. R., . 

45 " Worcester and Nashua R. R., 

700 " N. Y., N. H. and H. R. R., 

500 " N. Y. Cent, and Hudson River R. R. 

700 " N. Y. and Harlem R. R., . 
Rome and Watertown R R. 1st mort. bonds, 7s 

N. Y. and Harlem R. R. 1st mort. bonds, 7s, 
Morris and Essex R. R. 1st mort. bonds, 7s, 
260 shares Phil., Wil. and Bait. R. R., 



Bonds, Etc. 

Par value. 
$100,000 00 
10,000* 00 

5,000 00 
10,400 00 

7,800 00 

2,400 00 
15,000 00 
10,000 00 

3,400 00 

1,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 

5,000 00 
50,000 00 
50,000 00 
50,000 00 

4,500 00 
70,000 00 
50,000 00 
35,000 00 

1,700 00 
10,000 00 

8,000 00 
13,000 00 



Market value. 

$122,000 00 
13,000 00 

6,500 00 
16,640 00 
Il',636 00 

4,320 00 
24,000 00 
12,500 00 

4,250 00 

1,100 00 
13,600 00 
11,300 00 
11,200 00 
11,000 00 
10,000 00 
19,500 00 
11,000 00 

5,400 00 
64,000 00 
67,500 00 
67,500 00 

2,250 00 
105,000 00 
50,000 00 
47,250 00 
♦ 1,700 00 
11,600 00 

9,280 00 
15,860 00 



$587,200 00 $751,886 00 



Securities held as collateral for cash loans : — 

Charter Oak Life Ins. Co. policy, 

10 shares N. Y., N. H and H. R. R., 

12 " First Nat'l Bank, Hartford, 

17 " New Britain Nat'l Bank, . 

St. Jo. and Council Bluffs R. R. bonds, 

Wason Manuf. Co. bonds, Springfield, 



Market value. 

$1,500 00 
1,200 00 
1,870 00 
6,750 00 
1,600 00 



Loaned thereon. 

$2,366. 84 
1,000 00 



2,600 00 
6,000 00 



1876.] 



AND FIRE-MARINE INS. COS. 



157 



30 shares Second Nat'l Bank, Springfield, 

20 " Agawam Nat'l Bank, Springfield, 

20 " 

Conn. River R. R. bond, .... 
U. S. 6 per cent, coupon bond, . 

20 shares Second Nat 1 ! Bank, Springfield, 



8 
7 

10 

24 

9 

3 

35 

50 

75 

249 

30 

13 

60 

10 



Chicopee Nat'l Bank, Springfield, 
Third Nat'l Bank, Springfield, 
Naugatuck R R , 
Springfield Gas Light Co., 
Glasgow Co., South Hadley Falls, 
Agawam Nat'l Bank, Springfield, 
Westfield Gas Light Co., . 
Massasoit Paper Manuf. Co., . 



'■ Boston and Albany R. R., 

1 Michigan Central R. R., . . 

1 Massasoit Paper Manuf. Co., . 

1 Agawam Nat'l Bank, 
Indianap's, Decatur and Spring'ld R. R. bonds 
Lake Shore R. R. bonds, .... 
Cleve'd, Painsville and Ash. R. R. bonds, . 
Cleveland and Toledo R. R. bonds, . 
N. Y. Central R. R. bonds, ... 
U. S. 6 per cent, bonds, 1881, 
U. S. 5 per cent, bonds, 1881, . 



^5,400 00 
2,600 00 
2,600 00 
1,000 00 
2,300 00 
3,600 00 
1,280 00 
1,120 00 
1,100 00 
3,600 00 ^ 



$4,000 00 

2,275 00 

2,275 00 

588 00 

2,000 00 

1,500 00 

1,140 00 

700 00 

950 00 



} 



900 00 
390 00 t 
3,500 00 j 
6,000 00 
9,000 00 

29,880 00 
3,840 00 
585 00 
7,200 00 
1,300 00 
1,000 00 
2,500 00 ^ 
7,500 00 
2,000 00 
6,600 00 

12,650 00 
1,100 00 J 



}> 6,502 80 



5,000 00 

7,000 00 

25,000 00 

3,800 00 

6,000 00 
1,000 00 
1,010 00 



y 30,000 oo 



$112,707 64 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, . , 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, , 

deposited in various banks, , . 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross Assets, 



Liabilities. 



Losses adjusted, unpaid, . 
claimed and reported, 



$75,000 00 

429,085 50 

17,024 55 

751,886 00 

112,707 64 

12,777 01 

25,546 64 

15,504 34 

75,340 53 

800 00 



$15,439 68 
35,700 00 



,515,672 21 



* Value of lands mortgaged, $607,800 00 

Value of buildings thereon 454,200 00 

Total value of property mortgaged $1,062,000 00 

Amount of insurance held as collateral, 261,350 00 



158 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ..... 



Surplus over Capital, 



$6,600 00 

444,497 81 

11,301 00 



- $513,538 49 

$1,002,133 72 
. 750,000 00 

. $252,133 72 



Income. 

Cash received for fire premiums, . . . $707,713 73 
Deduct re-insurance, rebate and return prem's, 68,321 34 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources . 
Income from all other sources ; viz., rents, .... 



Gross Cash Income, 



$639,392 39 

30,932 56 

43,272 10 

3,908 33 

$717,505 38 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$278,246 18 
6,648 63 



Gross Cash Expenditures, $567,380 64 



$271,597 55 
75,000 00 
92,435 53 
36,064 53 
21,520 98 
70,762 05 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $62,591,124 00 $807,999 87 
written during 1876, . . . 60,429,820 00 709,073 41 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$123,020,944 00 $1,517,073 28 
53,999,310 00 648,077 67 



,021,634 00 $868,995 61 



. Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company^ stock owned by directors, .... 



^8,874,800 39 

6,178,914 55 

1,092,042 00 

75,000 00 

275,012 01 

224,500 00 



1876.] 



AND FIRE-MARINE INS. COS. 



159 



TRADERS' AND MECHANICS' INSURANCE COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 

Paid-up Capital, $100,000. 

Levi Spkague, President. Secretary, E. M. Tucke. 

Office at Lowell. 



Detailed Statement of Stocks, 



United States bonds, .... 
Boston and Lowell Railroad bonds, . 
Cook county (111.) bonds, . 
Boston city bonds, .... 
Salem city bonds, .... 
10 shares Stony Brook Railroad, 
14 
34 

2 

7 

5 
20 

2 
20 

4 



Boston and Lowell Railroad, 
Prescott Nat'l Bank, . 
Merrimack Manufacturing Company 
Massachusetts Manufacturing Co., 
Lowell Manufacturing Company, 
Bates Manufacturing Company, 
Appleton Manufacturing Company, 
Hill Manufacturing Company, . 
Hamilton Manufacturing Company, 



Personal loan, 



Bonds, Etc. 

Par value. 

$20,000 00 
10,000 00 
2,500 00 
5,000 00 
1,000 00 
1,000 00 
7,000 00 
3,400 00 
2,000 00 
7,000 00 
3,450 00 
2,000 00 
2,000 00 
2,000 00 
4,000 00 



Market value. 

$22,000 00 
10,500 00 
2,625 00 
5,600 00 
1,060 00 
1,000 00 
4,480 00 
4,930 00 
2,400 00 
7,350 00 
2,850 00 
1,600 00 
1,660 00 
1,500 00 
3,600 00 
5,000 00 

$78,755 00 



Securities held as collateral for cash loans : — 



3 shares Merrimack Manufacturing Co., 

100 " Vassalboro' Manufacturing Co., 

17 " Boston and Lowell Railroad, . 
40 « « « « 

N. and L. Railroad bonds, . 

tt u a it 

Vt. and N. Railroad bonds, 



Market value. Loaned thereon. 

| $11,100 00 $5,000 00 

5,400 00 
12,800 00 
2,000 00 
1,500 00 ^ 
1,000 00/ 



5,000 00 
5,500 00 
1,600 00 

2,500 00 



$33,800 00 $19,600 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $61,745 00 
Stocks, bonds, etc., as per schedule, . . . 78,755 00 
Loans on collateral security, as per schedule, . 19,600 00 
Cash in the office of the company, and depos- 
ited in Prescott Nat'l Bank, .... 5,353 92 
Interest due and accrued, . . . . . 1,510 50 
Premiums in course of collection (net), . . 1,801 13 

Gross Assets, $168,765 55 



* Total value of property mortgaged, $117,300 00 

Amount of insurance held as collateral, 50,700 00 



160 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31. 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . .-• 



$2,700 00 
28,36.2 80 



$31,062 80 

$137,702 75 
100,000 00 



Surplus over Capital, $37,702 75 

Income. 

Cash received for fire premiums, . . . $33,834 82 
Deduct re-insurance, rebate and return prem's, 729 29 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, . 

Gross Cash Income, 



,105 53 
8,629 26 

$11,734 79 



Expenditures. 

Cash paid for fire losses, .... 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes 
for state and local taxes, . 
for re-insurance, 



Gross Cash Expenditures, . 

Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, . 

Deduct risks expired and terminated, 

In force at end of year, .... 



£3,610,279 00 
2,569,513 00 



£6,179,792 00 
2,533,788 00 



$11,076 20 

12,000 00 

4,552 11 

4,237 62 

1,424 39 

71 91 

$33,362 23 



Premiums. 

$59,022 19 
34,607 33 

$93,629 52 
36,903 92 



1,646,004 00 $56,725 60 



Miscellaneous. 

Cash dividends declared from organization of company, . $140,500 00 

Losses incurred during the year, . . .... 11,276 20 

Company's stock owned by directors, . .... 5,300 00 



1876.] 



AND FIRE-MAKINE INS. COS. 



161 



WASHINGTON FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated December 31, 1872. Commenced business January 1, 1873.] 

Paid-up Capital, $400,000. 

Isaac Sweetser, President. Secretary, Benj. Sweetser. 

Office, No. 38 State Street. 



Detailed Statement of Stocks, 



United States gold bonds, . 

441 shares Columbian Natl Bank, 

25 ' 

100 ' 

150 ' 

120 ' 

109 ' 

100 ' 

31 ' 

100 ■ 

74 ' 

18 ■ 

150 ' 



Continental Nat'l Bank, 

Hamilton Nat'l Bank, 

Merchants 1 Nat'l Bank, 

Nat'l City Bank, 
• Nat'l Eagle Bank, . 

Nat'l Bank of Commerce, 

Nat'l Hide and Leather Bank, 

Nat'l Revere Bank, . 

State Nat'l Bank, 

Suffolk Nat'l Bank, . 
1 Norwich and Worcester R. R., 
Chicago, Burlington and Quincy R. R. bonds, 
Union Pacific R. R. 1st mort. bonds, . 
Cedar Rapids and Mo. R. R. R. bonds, 
Old Colony R. R. bonds, . 
Eastern Railroad bonds, . 
Boston city bonds, 
10 shares Boston Gas Light Co., 
Corporation notes, 



Bonds, Etc. 

Par value. 

$100,000 00 
44,100 00 

2,500 00 
10,000 00 
15,000 00 
12,000 00 
10,900 00 
10,000 00 

3,100 00 
10,000 00 

7,400 00 

1,800 00 
15,000 00 
20,000 00 
20,000 00 

5,000 00 

20,000 00 

32,500 00 

110,000 00 

5,000 00 



Market value. 

$108,793 00 
62,181 00 

2,675 00 
12,000 00 
21,000 00 
13,920 00 
12,317 00 
11,350 00 

3,356 00 
10,950 00 

8,288 00 

2,178 00 
19,575 00 
21,900 00 
20,650 00 

4,950 00 

22,200 00 

16,819 00 

123,750 00 

8,075 00 

3,000 00 

$509,927 00 



Securities held as collateral for cash loans : — 



10 shares Commercial Wharf Co., 

320 " Indian Orchard Mills, 
81 " Ames Manufacturing Co., 
20 " New England Ins. Co., 
20 " Boylston Ins. Co., . 
25 " Washington F. and M. Ins 
9 " Revere Ins. Co., 

300 " Union Pacific R. R., . 

Rutland R. R. 1st mort. bond, . 

Eastern Railroad bond, 



Co 



Market value. Loaned thereon. 

$25,000 00 $10,000 00 

32,000 00 25,000 00 

28,350 00 22,000 00 

2,000 00 'j 



2,900 00 



3,625 00 

805 00 J 

18,000 00 

4,500 00 

16,200 00 



y 7,000 co 



} 



18,412 53 
30,000 00 



$133,380 00 $112,412 53 



21 



162 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets, December 31, 1876. 
Loans on mortgage of veal estate (first liens),* $89,000 00 

1,691 25 

509,927 00 

112,412 53 

3,321 32 

29,945 06 

1,711 16 

8,846 54 

122,749 52 



Interest due or accrued thereon, . • . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in Columbian Nat'l Bank, 

Interest due and accrued, .... 

Premiums in course. of collection (gross), 

Notes taken for marine and inland risks, . 

Gross Assets, 



$879,604 38 



Liabilities. 
Losses claimed and reported, . . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 

Commissions and brokerage, 
Return prem's, $170.56 ; re-ins., f 614.99, . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



Surplus over Capital, 



$76,485 00 
188,331 14 

200 00 
1,345 05 

785 55 



- 267,146 74 

. $612,457 64 
. 400,000 00 



$212,457 64 



Income. 

Cash received for fire premiums, . . . $123,047 82 
Deduct re-insurance, rebate and return prem's, 11,158 63 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $174,785 64 
Deduct re-insurance, rebate and return prem's, 19,484 58 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $91,050 44 

Interest received on bonds and mortgages, ...» 
Interest and dividends received from all other sources, 



$111,889 19 



155,301 06 



6,500 00 
33,146 15 

Gross Cash Income, $306,836 40 



Expenditures. 
Cash paid for fire losses, .... 
for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 



$101,146 07 
2,395 88 



$34,622 65 



98,750 19 



* Value of lands mortgaged, $92,100 00 

Value of buildings thereon, 199,400 00 

Total value of property mortgaged, $291,500 00 

Amount of insurance held as collateral, ......... 83,500 00 



1876.] AND FIRE-MARINE INS. COS. 163 

Cash dividends paid, $35,000 00 

paid for commissions and brokerage, .... 19,275 87 

for salaries of officers and employes, . . . 16,600 00 

for state and local taxes, 6,714 23 

for office, agency and incidental expenses, . . 11,967 46 

Gross Cash Expenditures $222,930 40 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $10,609,324 00 $150,720 74 

written during 1876, . . . 11,900,019 00 118,743 87 



Total, $22,509,343 00 $269,464 61 

Deduct risks expired and terminated, . 11,607,678 00 124,099 43 



In force at end of year, . ... . $10,901,665 00 $145,365 18 
Deduct amount re-insured, . . . 10,750 00 240 80 



Net amount in force, ..... $10,890,915 00 $145,124 38 

Marine risks outstanding December 81, 1875, $4,318,864 00 $135,439 56 
written during 1876, . . 7,655,786 00 133,037 21 



Total, $11,974,650 00 $268,476 77 

Deduct risks expired and terminated, . 7,902,809 00 150,876 64 



In force at end of year, .... $4,071,841 00 $117,600 13 
Deduct amount re-insured, . . . 27,804 00 611 69 



Net amount in force, .... $4,044,037 00 $116,988 44 

Miscellaneous. 
Premiums received from organization of company, . $1,357,984 51 

Losses paid from organization of company, .... 597,209 20 

Cash dividends declared from organization of company, . 80,000 00 

Dividends declared during the year, 35,000 00 

Losses incurred during the year, 165,883 27 

Company's stock owned by directors, ..... 72,900 00 



164 MASS. JOINT-STOCK INS. COS. [Dec. 31, '76. 



AGGKEGATE. 



Capital Stock. 
Whole amount of outstanding capital, actually paid up 
in cash, 



Gross present Assets, 



Assets. 



Liabilities. 
Gross present Liabilities, 

Income. 
Cash actually received for fire premiums, 

for marine premiums, . 
for interest and dividends from all sources, . 
from all other sources, . . . . 

Gross Cash Income, ...... 

Expenditures. 
Cash actually paid during the year for fire losses, . 

» for marine losses, 
for dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employes, 
for state and local taxes, ..... 
for office, agency and incidental expenses, 

Gross Cash Expenditures, ..... 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, 
unpaid premium notes received during the year, 
cash dividends declared during the year, 
losses incurred during the year, 



$7,017,000 00 

$13,244,354 85 

$3,715,223 89 



52,769,265 45 

1,456,578 93 

583,191 62 

22,364 09 

54,831,400 09 



$1,147,737 13 
876,161 73 
492,317 00 
450,293 26 
356,885 11 
123,774 30 
323,997 11 

$3,771,165 64 



$277,703,804 08 

3,118,786 28 

86,642,728 00 

1,698,446 64 

243,629,769 01 

86,271,609 00 

292,187,723 17 

31.272,198 00 

350,957 79 

451,800 00 

2,238,048 46 



FIEE, MAKINE, AND PIEE-MAKINE 
INSURANCE COMPANIES 

OF OTHBE STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1876. 



166 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



^ETNA INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business August 19, 1819.] 

Paid-up Capital, $3,000,000. 

Lucius J. Hendee, President. Secretary, Jotham Goodnow. 

Office at Hartford. 
Attorney to accept service, Alfred J. Mercer, Boston. 



Detailed Statement op 

United States cur. bonds, 6s, 

" bonds, 1881, 5s, . 
Alabama state bonds, 8s, . 
Canada Dominion stock, 6s, 
Conn, state bonds, 6s, 
Indiana state bonds, 6s, 
New Hampshire state bonds, 6s, 
Rhode Island state bonds, 6s, . 
South Carolina state bonds, 6s, . 
Tennessee state bonds, 6s, 
Hudson county, N. J., bonds, 6s, 
Barkhamsted, Conn., town bonds, 6s, 
Hartford, Conn., town bonds, 6s, 
Norwich, Conn., town bonds, 7s, 
Norfolk, Conn., town bonds, 6s, 
Danbury, Conn., town bonds, 6s, 
Pawtucket, R. I., town bonds, 7s, 
Bloomington, 111., city bonds, 8s, 
Boston, Mass., city bonds, 6s, . 
Brooklyn, N. Y., city bonds, 6s, 
Buffalo, N. Y., city bonds, 7s, . 
Cleveland, Ohio, city bonds, 6s, 
Cleveland, Ohio, city bonds, '7s, 
Cincinnati, Ohio, city water bonds, 7s, 
Chicago, 111., city bonds, 7s, , 
Detroit, Mich., city bonds, 7s, . 
Hartford, Conn., city bonds, 6s, 
Indianapolis, Ind., city bonds, 7 1 8 T s, 



Stocks, Bonds, Etc. 

Par value. 

$100,000 00 

100,000 00 

10,000 00 

5,070 69 

100,000 00 
50,000 00 
50,000 00 
91,000 00 
20,000 00 
31,000 00 
25,000 00 
18,000 00 
66,000 00 

100,000 00 
26,000 00 
55,000 00 

100,000 00 
20,000 00 
50,000 00 
25,000 00 
50,000 00 
20,000 00 
80,000 00 
50,000 00 
50,000 00 
30,000 00 

128,000 00 
50,000 00 



Market value. 

$122,000 00 

111,750 00 
3,500 00 
5,070 69 

110,000 00 
51,500 00 
55,000 00 

100,100 00 
8,000 00 
13,330 00 
25,500 00 
18,000' 00 
68,640 00 

110,000 00 
26,000 00 
57,475 00 

110,000 00 
22,000 00 
57,000 00 
27,000 00 
55,000 00 
20,000 00 
88,000 00 
53,500 00 
53,500 00 
33,000 00 

134,400 00 
51,500 00 



1876.] 



INS. COS. OF OTHEE STATES. 



167 



Ironton, Ohio, city bonds, 8s, . 

Jersey City, N. J., city bonds, 6s, 

Lockport, N. Y., city bonds, 7s, . 

Minneapolis, Minn., city bonds, 10s, . 

Montreal, Canada, corporation stock, 6s, . 

Montreal, Canada, corporation bonds, 6s, . 

Newark, N. J., city bonds, 7s, . 

New Brunswick, N. J., city bonds, 7s, 

New York city stock, 6s, . 

Pontiac, 111., city bonds, 10s, . . 

Rahway, N. J., city bonds, 7s, . 

Titusville, Pa., city school and water bonds, 8s 

and 10s, . . . . 
Toledo. Ohio, city special bonds, 7^, 
Toledo, Ohio, city water bonds, 8s, . 
West Middle School Dist. bonds, Hartford, 7s, 
East School Dist. bonds, Vernon, Conn., 6s, 
West School Dist. bonds, Vernon, Conn., 6s, . 
Atlantic Dock Co. bonds, 7s, . 
Albany and Susq. R. R. 2d mort. bonds, 7s, 
Buff., N. Y. and Erie R. R. 1st mort. bonds, 7s 
Cleve., Col., Cinn. and Ind. R. R. S. F. 1st mort 

bonds, 7s, 

Cleve., Painesville and Ashtabula R. R. mort 

bonds, 7s, 

Cleve. and Toledo R. R. S. F. mort. bonds, 7s, 
Chic, Bur. and Q. R. R. S. F. mort. bonds, 8s, 
Chic, and N.-western R. R. 1st mort. bonds, 7s 
Cinn., Ham. and D. R. R. mort. bonds, 7s, 
Col. and Xenia R. R. mort. bonds, 7s, 
Dayton and Western R. R. mort. bonds, 6s, 
Harlem Riv. and P. Chester R. R. 1st mort 

bonds, 7s, 

Hartf., Prov. and Fishkill R. R. mort. bonds, 7s 
Housatonic R. R. 1st mort. bonds, 6s, 
Indianapolis and Cin. R. R. mort. bonds, 7s, 
Joliet and Chicago R. R. 1st S. F. mort. bonds, 8s 
Keokuk and D. M. R. R. 1st mort. bonds, 7s, 
" " " funded interest mort 

bonds, 8s, 
Lake Shore R. R. mort. bonds, 7s, 
Lake Shore and M. S. R. R. reg. S. F. bonds, 7s 
Little Miami R. R. mort. bonds, 6s, . 
Michigan Central R. R. 2d mort. bonds, 7s, 
Mich. S. and N. Ind. R. R. gen. mort. bonds, 7s, 
" " " 2d gen. mort. b'ds, 7s, 

Morris and Essex R. R. 2d mort. bonds, 7s, 

" " " 1st consol. mort. b'ds, 7s, 

New Jersey R. R. and Trans. Co., mort. bonds, 6s, 



$10,000 00 
50,000 00 
25,000 00 
5,000 00 
13,000 00 
22,000 00 
50,000 00 
40,000 00 
71,000 00 
12,000 00 
45,000 00 

22,000 00 
13,000 00 

5,000 00 
30,000 00 
14,000 00 

4,000 00 
25,000 00 
50,000 00 
53,000 00 



$11,000 00 
50,000 00 
27,000 00 
5,250 00 
14,560 00 
24,640 00 
55,000 00 
42,000 00 
73,840 00 
13,200 00 
45,000 00 

23,100 00 
13,650 00 

5,250 00 
33,000 00 
14,000 00 

4,000 00 
26,250 00 
51,000 00 
53,000 00 



25,000 00 26,750 00 



100,000 00 
85,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 

100,000 00 
32,000 00 
50,000 00 
25,000 00 
18,000 00 
32,000 00 

4,500 00 
10,000 00 
12,000 00 
72,000 00 
50,000 00 
25,000 00 
75,000 00 
25,000 00 
50,000 00 
50,000 00 



107,000 00 
93,500 00 
35,100 00 
53,500 00 
50,500 00 
50,500 00 
20,750 00 

110,000 00 
33,600 00 
51,500 00 
22,500 00 
19,800 00 
27,200 00 

4,185 00 
10,500 00 
12,720 00 
68,400 00 
51,000 00 
27,250 00 
77,250 00 
27,000 00 
50,000 00 
51,500 00 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



New York Central R. R. bonds, 6s, . 

N. Y. Central and Hudson Riv. R. R. 1st mort 

bonds, 7s, 

Pitts., Ft. Wayne and Chic. R.R. 1st mort. b'ds, 7s 
" " " " 2d mort. b'ds, 7s 

Atlantic Mutual Insurance Company scrip, 
50 shares Connecticut River Company, . 
500 " Albany and Susquehanna R. R. Co. 
144 " Central Ohio R. R., 
1000 " Cleveland and Pittsburgh R. R., 
150 " Connecticut River Railroad, . 
250 " Dubuque and Sioux City R. R., 
100 " Joliet and Chicago R. R., 
264 " Keokuk and Des Moines R. R., pref. 
200 " " " " com. 

900 " Lake Shore and Michigan S. R. R. 
1000 " Morris and Essex R. R., . 
600 " N. Y. Central and Hudson Riv. R. R 
1000 " N. Y., N. Haven and Hartf 'd R. R 
750 " Pitts. , Ft. Wayne and Chicago R. R 
100 " New Britain Nat'l Bank, 
100 " First Nat'l Bank, Albany, N. Y., 
220 " Farmers and Mechanics' Nat'l B'k 

Phila., 

200 " Nat'l Bank of Mo., St. Louis, . 
50 " Merchants' Bank, St. Louis, . 
50 " Merchants' Nat'l Bank, St. Louis, 
200 " Mechanics' Nat'l Bank, St. Louis, 
200 " JEtna Nat'l Bank, Hartford, . 
200 " American Nat'l Bank, Hartford, 
300 " Charter Oak Nat'l Bank, Hartford 
200 " City Nat'l Bank, Hartford, . 
150 " Connecticut River Banking Com 

pany, Hartford, . 
500 " Nat'l Exchange Bank, Hartford, 
600 " Farmers and Mechanics' Nat' 

Bank, Hartford, . 
200 " First Nat'l Bank, Hartford, .• 
800 " Hartford Nat'l Bank, Hartford, 
600 " Phoenix Nat'l Bank, Hartford, 
250 " State Bank, Hartford, . 
400 " American Exchange Nat'l Bank 

New York, .... 
500 " Nat'l Butchers and Drovers' Bank 

New York, .... 
100 " Nat'l City Bank, New York, . 
600 " Nat'l Bank of Commerce, N. Y., 
100 " Nat'l Bank of the Commonwealth 
New York, .... 



$75,000 00 $78,000 00 



100,000 00 
30,000 00 
50,000 00 
34,790 00 
5,000 00 
50,000 00 
7,200 00 
50,000 00 
15,000 00 
25,000 00 
10,000 00 
26,400 00 

.20,000 00 
90,000 00 
50,000 00 
60,000 00 

100,000 00 
75,000 00 
10,000 00 
10,000 00 

22,000 00 
20,000 00 
5,000 00 
5,000 00 
20,000 00 
20,000 00 
10,000 00 
30,000 00 
20,000 00 

7,500 00 
25,000 00 

60,000 00 
20,000 00 
80,000 00 
60,000 00 
25,000 00 



120,000 00 
36,000 00 
57,500 00 
34,790 00 

1,000 00 
43,000 00 

2,520 00 
45,000 00 
20,100 00 
13,750 00 
10,200 00 

7,920 00 

1,000 00 
50,850 00 
45,750 00 
60,600 00 
150,000 00 
75,750 00 
13,000 00 
16,000 00 

29,260 00 
13,000 00 
1,500 00 
3,750 00 
13,000 00 
25,600 00 
14,000 00 
39,900 00 
19,000 00 

7,500 00 
33,000 00 

78,000 00 
20,000 00 
125,600 00 
96,000 00 
30,000 00 



40,000 00 42,000 00 



12,500 00 
10,000 00 
60,000 00 



15,625 00 
25,000 00 
66,000 00 



10,000 00 1,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



169 



100 shares Hanover Nat'l Bank, New York, . $10,000 00 
300 " Importers and Traders' Nat'l Bank 

New York, .... 
400 " Bank of the Manhattan Co., N. Y. 
200 " Market Nat'l Bank, New York, 
1000 " Merchants' Nat'l Bank, New York 
160 " Merchants' Exchange Nat'l Bank 

New York, . . . 
1200 " Mechanics' Nat'l Bank, New York 
500 " Metropolitan Nat'l Bank, N. Y., 
200 " Nassau Bank, New York, 
400 " Bank of N. Y. Nat'l Banking Asso 

ciation, New York, 
200 " Bank of North America, N. Y., 
200 " North River Bank, New York, 
500 " Phenix Nat'l Bank, New York, 
400 " People's Nat'l Bank, New York, 
200 " Nat'l Bank of the Republic, N. Y. 
400 " Union Nat'l Bank, New York, 
150 " N. Y. Life Insurance and Trust 

Company, New York, . 
100 " United States Trust Co., N, Y., 
100 " Union Trust Company, New York 



30,000 00 
20,000 00 
20,000 00 
50,000 00 

8,000 00 
30,000 00 
50,000 00 
20,000 00 

40,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 

15,000 00 
10,000 00 
10,000 00 



$9,500 00 

55,500 00 
28,000 00 
22,000 00 
57,000 00 

7,200 00 
42,000 00 
62,500 00 
20,000 00 

46,000 00 
18,600 00 
7,000 00 
9,000 00 
14,000 00 
15,000 00 
26,000 00 

60,000 00 
35,000 00 
13,500 00 



$4,962,960 69 $5,386,775 69 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



5 shares Phoenix Nat'l Bank, Hartford, Conn. 
42 " Hartford Carpet Co., . 

5 " Travelers' Ins. Co., , 
27 « New York, N. H. and Hartford R. R. 
Quincy, 111., city bonds, .... 
Wabash and Western R. R. bonds, . 
Toledo, Wabash and Western R. R. bonds, 



$800 00 

8,820 00 

875 00 

4,050 00 

1,000 00 

500 00 

300 00. 

$16,345 00 



$500 00 

3,580 00 

677 00 

920 00 

1,200 00 
16,877 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
deposited in various banks, 



$365,000 00 

81,500 00 

1,010 53 

5,386,775 69 

6,877 00 

5,509 28 

740,168 23 



* Value of lands mortgaged, 
Value of buildings thereon, 

Total value of property mortgaged, 
Amount of insurance held as collateral, 

22 



$85,000 00 
78,000 00 

$163,000 00 
33,000 00 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued, $1,777 81 

Premiums in course of collection (gross), . 527,005 88 
Gross Assets, j 



',115,624 42 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, .* 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$52,145 56 

280,402 79 

18,350 00 

1,741,273 42 

500 00 

60,446 15 

17,270 32 



2,170,388 24 

51,945,236 18 
3,000,000 00 



1,945,236 18 



Income. 

Cash received for fire premiums, . . $3,348,565 66 
Deduct re-insurance, rebate and return prem's, 196,171 86 

Net cash received for fire premiums, . . f 

Cash received for marine and inland premiums, $118,337 19 
Deduct re-insurance, rebate and return prem's, 32,461 00 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, .... 



5,152,393 80 



85,876 19 

5,708 27 

372,731 18 

6,363 39 



Gross Cash Income, 



1,623,072 83 



Expenditures. 

Cash paid for fire losses, .... 
for inland losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



[,729,854 72 
39,199 91 
720,000 00 
491,639 26 
170,373 96 
62,111 06 
175,616 84 

1,388,795 75 



1876.] INS. COS. OF OTHER STATES. 

Risks and Premiums. 



171 



Fire risks outstanding December 31, 1875, $267,984,340 00 



written during 1876, . 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Inland risks outstanding Dec. 31, 1875, 
written during 1876, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Net amount in force, . 



Premiums. 

£3,510,136 60 

3,348,565 66 

^0,858,702 26 

3,500,060 34 

13,358,641 92 

5,125 00 

$252,822,907 00 $3,353,516 92 



$211,166 00 
10,008,343 00 



275,940,660 00 

$543,925,000 00 
290,642,093 00 

$253,282,907 00 
460,000 00 



),711 10 
118,337 19 



$10,219,509 00 
10,137,509 00 



$129,048 29 
126,098 29 



$82,000 00 $2,950 00 



$82,000 00 $2,950 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$74,404,153 78 

46,529,444 41 

9,043,365 00 

720,000 00 

1,874,067 28 

324,900 00 



.ZETNA INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated December 1, 1871. Commenced business December 1, 1871.] 

Paid-tjp Capital, $200,000. 

F. A. Conexing, President. Secretary, O. S. Bogert. 

Office, No. 1 72 Broadway. 
Attorney to accept service, Augustus S. Lovett, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 bonds, .... $108,000 00 $123,120 00 



Securities held as collateral for cash loans : — 

50 shares Commercial Bank, Brooklyn, . 
8 " Tradesmen's Bank, N. Y., . 
30 " Westchester Co. Gas Light Co., 



Market value. Loaned tbereon. 

$6,500 00 $2,500 00 

448 00 \ 1,600 00 
1,650 00/ 



172 FIRE, MAEINE, AND FIRE-MARINE [Dec. 31, 



80 shares Nat'l Trust Co., . 
20 " Republic Fire Ins. Co 
17 " Ninth Nat'l Bank, 
10 " Ridgewood Ins. Co., 
27 " Relief Fire Ins. Co., 
Southern R. R. of L. Island 1st mort 



bonds, 



$8,320 OO-i 




2,100 00 


- $10,000 00 


1,360 00 J 




1,100 00 


800 00 


1,300 00 


800 00 


5,000 00 


2,500 00 


$27,778 00 


$18,200 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $123,100 00 

Interest due or accrued thereon, . . . 2,853 62 

Stocks, bonds, etc., as per schedule, . . . 123,120 00 

Loans on collateral security, as per schedule, . 18,200 00 

Cash in the office of the company, . . . 2,187 21 

deposited in various banks, , . . 10,548 55 

Interest due and accrued, 212 91 

Premiums in course of collection (net), . . 12,827 40 
Oflftce furniture, safe, etc., . . . $3,000 00 

Gross Assets, $293,049 69 



Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$2,015 00 

2,000 00 

32,928 19 



,101 04 
11,635 91 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, . . 

Cash received for marine and inland premiums, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Gross Cash Income, 



36,943 19 

$256,106 50 
200,000 00 

$56,106 50 



$77,465 13 

129 19 

10,053 83 

5,006 97 

$92,655 12 



Expenditures. 

Net cash paid for fire losses, $52,077 38 

Cash dividends paid, 50,000 00 



* Value of lands mortgaged $157,000 00 

Value of buildings thereon 145,000 00 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$302,000 00 
88,510 00 



1876.] 



INS. COS. OF OTHER STATES. 



173 



Cash paid for commissions and brokerage, . 
for salaries of officers and employes, 

for state and local taxes, 

office, agency and incidental expenses, . 

Gross Cash Expenditures, 

Risks and Premiums. 
Fire risks outstanding December 31, 1875, $11,979,907 00 



written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1876, 
Deduct risks expired and terminated 

In force at end of year, 



10,161,837 00 

122,141,744 00 

14,246,014 00 

87,895,730 00 
720,359 00 



$13,151 78 

13,500 00 

3,053 58 

14,984 58 

$147,307 32 



Premiums. 
8118,992 03 
88,428 91 

§207,420 94 
139,536 26 

$67,884 68 
4,722 49 



$7,175,371 00 


$63,162 19 


$50,442 00 


$129 19 


40,642 00 


64 69 



$9,800 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$64 50 



8700,748 49 

395,696 97 

108,000 00 

50,000 00 

45,475 00 

71,000 00 



AMAZON INSURANCE COMPANY, CINCINNATI, OHIO. 

[Incorporated October 1, 1871. Commenced business October 1, 1871.] 

Paid-up Capitai, $500,000. 

Gazzam Gano, President. Secretary, John H. Beattie. 

Office, Nos. 260 and 262 Vine Street, Cincinnati. 

Attorney to accept service, Edward Stearns, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 10-40 reg'd bonds, 
" " " coupon bonds, 

" 5-20 bonds, 1865, . 
Alabama state bonds, 
South Carolina state bonds, 
Piqua (O.) Water Works bonds, 



Par value. 

$125,000 00 

22,300 00 

45,o00 00 

10,000 00 

20,000 00 

4,600 00 



Market value. 

3141,718 75 

25,338 38 

51,642 50 

6,822 75 

2,424 24 

4,600 00 



$227,400 00 8232,546 62 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



Cinn. South. R. R. bonds, . 
Pomeroy Iron Works stock, 

U. S. bond, 

Citizens' (Cin.) Ins. Co. stock, . 
Mortgage assigned to company, 
Cinn. South. K. R. bonds, . 
Warehouse receipts (iron), 
Norton Iron Works stock, . 
Cinn. and Westwood R. R. bonds, 
Kenton Ins. Co. stock, 
Water Works bonds, . . 
Miami Valley Ins. Co. stock, 
United States 10-40 bonds, 



Market value. 

1,025 00 



} 



Loaned thereon. 
$535 00 



3,000 00 1,497 89 



5,000 00 

225 00 

5,125 00 

1,400 00 

5,000 00 

900 00 

3,000 00 

200 00 

7,500 00 

28,406 25 



2,500 00 

225 00 
4,500 00 

600 00 
3,500 00 

400 00 
1,500 00 

150 00 

5,000 00 

25,000 00 



,781 25 $45,407 89 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, . " . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Due from other companies, 
Personal property, .... $5,000 00 
Gross Assets, ...... 



$272,360 00 

221,890 53 

21,204 85 

232,546 62 

45,407 89 

48,912 36 

72,319 15 

8,781 97 

6,739 34 



$930,162 71 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed Or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . . 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ..... 



Surplus* over Capital, . 



$44,158 82 
29,581 66 
31,335 16 

295,043 69 

1,432 00 

15,000 00 



416,551 33 

$513,611 38 

500,000 00 

$13,611 38 



* Value of lands mortgaged $361,951 00 

Value of buildings thereon, ........ 268,500 00 



Total value of property mortgaged,. $630,45100 

Amount of insurance held as collateral, , . . . 72,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



175 



Income. 

Cash received for fire premiums, . . . $687,182 77 
Deduct re-insurance, rebate and return prem's, 87,373 29 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $29,992 26 
Deduct re-insurance, rebate and return prem's, 1 ,939 12 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $8,781 97 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$599,809 48 



28,053 14 



15,477 95 

18,647 77 



Gross Cash Income, $661,988 34 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, . . . 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$399,466 88 
8,995 60 

$17,757 92 
1,336 05 



Gross Cash Expenditures, 



$390,471 28 



16,421 87 
50,000 00 
111,358 25 
29,293 17 
19,202 24 
73,668 43 

$690,415 24 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1876, 
Deduct risks expired and terminated, 



$41,693,432 00 
48,570,625 00 



,264,057 00 
46,482,091 00 

$43,781,966 00 
529,540 00 



Premiums. 

$610,504 50 
667,211 53 

1,277,716 03 
717,136 90 

$560,579 13 
4,058 76 



$43,252,426 00 $556,520 37 

$3,192,454 00 $28,443 00 
3,192,454 00 28,443 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Losses incurred during the year, , 

Company's stock owned by directors, .... 



$4,263,673 62 

2,249,007 41 

120,000 00 

50,000 00 

430,712 32 

76,700 00 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



AMERICAN INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated February 20, 1846. Commenced "business April 1, 1S46.] 

Capital, $632,435.* 

S. G. Gould, President. Secretary, Fred. H. Harris. 

Office, No. 746 Broad Street, Newark. 

Attorney to accept service, Richard Pope, Boston. 

Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) ,f 
Interest due or accrued thereon, 
United States bonds, registered, 5s, . 
Cash in the office of the company, . 

deposited in various banks, 
Premiums in course of collection (gross) , 

Rents due, 

Company's scrip purchased, . $73,863 19 

Gross Assets, 

Liabilities. 
Losses claimed and reported, • . 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to scripholders unpaid, 

to policy-holders unpaid, . 
Commissions and brokerage, 

Gross Liabilities, except scrip, . 

Surplus as regards Policy-holders, 
Scrip outstanding, not held by company, . 



$92,159 67 

969,969 27 

12,293 36 

168,000 00 

5,258 64 

41,481 41 

12,864 35 

1,218 41 



•$1,303,245 11 



Surplus over Scrip, $609,825 67 



$3,000 00 

106,942 12 

237 50 

14,700 31 

7,590 00 

2,377 70 



- 134,847 63 

$1,168,397 48 
. 558,571 81 



Income. 
Cash received for fire premiums, . . . $199,339 70 
Deduct re-insurance, rebate and return prem's, 7,427 03 



Net cash received for fire premiums, 
Interest received on bonds and mort^ao-es, 
Income from all other sources ; viz., rents, 



- 8191,912 67 

70,951 20 

3,532 25 



Gross Cash Income, . . . 8266,396 12 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$40,866 16 
566 77 



$10,299 39 ,: 



* Represented by scrip pledged to meet losses. 

t Total value of property mortgaged $2,834,S00 00 

Amount of insurance held as collateral, 1,202,000 00 



1876.] INS. COS. OF OTHER STATES. 177 

Cash dividends paid scripholders, . . .... $62,431 14 

policy-holders 34,062 00 

paid for commissions and brokerage, .... 24,411 46 

for salaries of officers and employes, . . . 27,986 42 

for state and local taxes, 4,378 19 

for office, agency and incidental expenses, . . 4,496 29 

Gross Cash Expenditures, $198,064 89 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $24,219,288 00 $201,650 71 

written during 1876, . . . 24,406,151 86 203,815 09 

Total, $48,625,439 86 $405,465 80 

Deduct risks expired and terminated, . 23,393,820 09 196,802 29 

In force at end of year, .... $25,231,619 77 $208,663 51 

Deduct amount re-insured, ... , 142,799 48 1,107 76 

Net amount in force, . . . . $25,088,820 29 $207,555 75 

Miscellaneous. 

Premiums received from organization of company, . $2,481,622 66 

Losses paid from organization of company, .... 584,055 43 

Cash dividends declared from organization of company, . 660,870 96 

Losses incurred during the year, 38,366 06 



AMERICAN CENTRAL INSURANCE COMPANY, ST. LOUIS, MO. 

[Incorporated February, 1853. Commenced business February, 1853.] 

Paid-up Capital, $300,000. 

George T. Cram, President. Secretary, James Newman. 

Office at St. Louis. 
Attorney to accept service, Geo. O. Carpenter, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States reg'd bonds, 6s, . . . . $200,000 00 $244,000 00 
United States reg'd bonds, . . . . 50,000 00 56,000 00 
Missouri state bonds, . . . . . . 350,000 00 367,500 00 



$600,000 00 $667,500 00 

Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $667,500 00 

Cash in the office of the company, . . . 947 74 

deposited in bank, 34,545 71 

Premiums in course of collection (net), . . 38,278 77 

Gross Assets, $741,272. 22 

23 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses adjusted, unpaid, . . . . $17,781 19 

claimed and reported, . . . . 9,162 50 

disputed or resisted, .... 6,200 00 

Unearned premiums on outstanding risks, . 204,050 19 

Dividends to stockholders unpaid, . . . 1,233 75 

Gross Liabilities, except capital, . . 



$238,427 63 



Surplus as regards Policy-holders, 
Paid-up capital, 



2,844 59 
300,000 00 



Suplus over Capital, $202,844 59 



Income. 

Cash received for fire premiums, . . . $447,063 79 
Deduct re-insurance, rebate and return prem's, 61,606 22 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . . . 
Interest and dividends received from all other sources, 
Income from profit and loss account, 



$385,457 57 

34,734 89 

1,568 03 

2,440 34 



Gross Cash Income, $424,200 83 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid, . • . 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$222,931 72 
4,999 12 



Gross Cash Expenditures, . $395,467 30 



$217,932 60 
13,766 25 
64,898 23 
33,593 33 
19,226 49 
46,050 40 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $29,937,472 00 $493,208 76 
written during 1876, . . . 29,105,797 00 450,688 91 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$59,043,269 00 $943,897 67 
32,934,744 00 512,712 21 



$26,108,525 00 $431,185 46 
. 851,920 00 16,633 27 



$25,256,605 00 $414,552 19 



Miscellaneous. 

Premiums received from organization of company, . $4,163,091 49 
Losses paid from organization of company, .... 2,418,266 42 
Cash dividends declared from organization of company, . 114,037 70 



1876.] 



INS. COS. OF OTHER STATES. 



179 



Dividends declared during the year (5 per cent.), 
Losses incurred during the year, 
Company's stock owned by directors, 



$15,000 00 

205,931 90 

44,000 00 



AMERICAN FIRE INSURANCE COMPANY, PHILADELPHIA. 

[Incorporated February 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, #400,000. 

Thomas R. Maris, President. Secretary, Albert C. L. Crawford. 

Office, No. 310 Walnut Street. 

Attorney to accept service, Geo. E. Foster, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

100 shares North Penna. R. R. Co., . . . $5,000 00 $4,975 00 

100 " Penna. R. R. Co., .... 5,000 00 4,825 00 

18 " Phila. and Lancaster Turnpike Co., 900 00 36 00 

250 " Centennial Exhibition stock, . . 2,510 00 

Harrisb'g, P., Mt. Joy and L. R. R. bonds, . • 10,000 00 10,500 00 

Delaware R. R. Co. mort. bonds, . . . 5,000 00 5,000 00 

No. Penna. R. R. 1st mort. bonds, 6s, . . 14,000 00 14,840 00 

No. Penna. R. R. 2d mort. bonds, 7s, . . 4,000 00 4,360 00 

Penna. R. R. reg 1 d mort. bonds, . ... 20,000 00 21,600 00 

Penna. R. R. consoPd mort. bonds, 6s, . . 20,000 00 20,000 00 

Phila., Wil. and Bait. R. R. bonds, . .. . 10,000 00 10,300 00 
Dela. and R. Canal and Camd. and Amb. R. R. 

and Transp'n Co.'s mort. bonds, . . . 24,000 00 26,280 00 

Elmira and Williamsport R. R. Co. bonds, . 1,000 00 600 00 

Little Schuylkill Nav. R. R. and Coal Co. bonds, 5,000 00 5,100 00 

Schuylkill Nav. Co. 1st mort. bonds, . . . 12,000 00 10,200 00 

Chesapeake and Dela. Canal Co. mort. bonds, . 10,000 00 8,700 00 

Lehigh Coal and Nav. Co. bonds, . . . 20,000 00 20,650 00 

" ' reg. bonds, . . 20,000 00 20,400 00 

Susquehanna Canal Co. mort. bond, . . 7,000 00 4,550 00 

Dela. Division Canal Co. mort. bond, . . 15,000 00 15,000 00 

Schuylkill Nav. Co. mort, loan, . . . 1,225 00 735 00 

City and county of Erie loan, . . . . 1,600 00 1,120 00 

Cincinnati city bonds, 30,000 00 . 32,400 00 

Tennessee state loan 6s (new),. . . . 14,000 00 6,090 00 

6s (old), .... 10,000 00 4,350 00 

United States reg'd bonds, 5s, . . . . 50,000 00 56,000 00 

4|s, . . .' 50,000 00 54,250 00 

American Steamship Co. loan, .... 15,000 00 12,600 00 

Ground rents, ....... - 41,04083 



$416,501 83 



180 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans 



1000 shares Cambria Iron Co., . 

600 " Lehigh Valley R. R., . 

400 " Penna. Salt M'f \g Co., . 
Susquehanna Coal Co. bonds, . 
1000 shares Lehigh Coal and Nav. Co., 

130 " U. S. Fertil. and Chem. Co., 

300 " Buck Mt. Coal Co., 
Phila. and Reading R. R. bonds, 
140 shares Lehigh Val. R. R., . 
Mortgage add VI, 
Lehigh Coal and Nav. Co. bonds, 
Delaware Co., Penna., bond, 
600 shares Penna. R. R., . 
United States 5-20 bonds, . 
34 shares Penna. R. R., 
Lehigh Valley R. R. bonds, 
25 shares Nesquehoning Val. R. R., 
45 " U. S. Fertil. and Chem. Co. 



Market value. 

$14,000 00 

28,650 00 

24,800 00 

5,200 00 

31,625 00 

7,228 00 

7,500 00 

6,000 00 

6,685 00 

2,000 00 

1,970 00 

1,000 00 

28,950 00 

1,160 00 

1,640 50 

3,300 00 

1,300 00 

2,340 00 



Loaned thereon. 



1 



$58,000 00 



y 37,000 00 



7,000 00 

2,700 00 

25,000 00 
2,300 00 

4,000 00 
1,350 00 

$175,348 50 $137,350 00 



SUMMATCY OF ASSETS, DECEMBER 31, 1876. 



Cash value of unencumbered real estate, 



$150,100 00 



Loans on mortgage of real estate (first liens),* 431,939 50 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, . . 

Gross Assets, 



7,858 37 

416,501 83 

137,350 00 

892 89 

101,487 46 

5,856 51 

28,474 34 

515 27 



,280,976 17 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 



$7,167 23 

12,494 98 

5,500 00 

202,348 36 

272,985 77 

655 00 

5,126 67 



* Value of lands mortgaged, $355,575 00 

Value of buildings thereon, 677,875 00 

Total value of property mortgaged, . . .$1,033,450 00 

Amount of insurance held as collateral, 350,900 00 



1876.] 



INS. COS. OF OTHER STATES. 



181 



Return premiums, .... 

Miscellaneous, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$2,654 48 
983 33 



Income. 

Cash received for fire premiums, . . . $424,110 74 
Deduct re-insurance, rebate and return prem's, 45,257 93 

Net cash received for fire premiums, . . — 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from rents, $4,831.25 ; from all other sources, 

$1,530.75, 

Deposits rec'd for perpetual fire risks, $4,110.79. 

Gross Cash Income, . . . .'.... 



$509,915 82 

$771,060 35 
400,000 00 

$371,060 35 



$378,852 81 
24,247 16 
32,634 08 

6,362 00 
$142,096 05 



Expenditures. 

Cash paid for fire losses, . . . ..... $221,734 52 

dividends paid, 39,873 00 



paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



205 13 

105,269 33 

14,282 67 

5,534 45 



Gross Cash Expenditures, $386,899 10 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $37,474,220 00 $164,124 74 
written during 1876, . . . 41,602,230 00 424,110 74 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$79,076,450 00 $888,235 48 
43,487,016 00 483,358 40 



$35,589,434 00 $104,877 08 
196,008 00 1,655 53 



$35,393,426 00 $403,221 55 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . . ; 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$5,535,133 44 

3,729,950 68 

1,932,975 50 

40,000 00 

197,103 94 

18,600 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
AMITY INSURANCE COMPANY, NEW YORK. 

[Incorporated June 19, 1873. Commenced business June 19, 1873.] 

Paid-up Capital, $200,000. 

Edward Merritt, President. Secretary, Nathan Harper. 

Office, No. 345 Broadway. 
Attorney to accept service, Timothy T. Sawyer, Jr., Boston. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds, 

Dry Goods Bank stock, .... 
Market Nat'l Bank stock, .... 
N. Y. Central and Hudson Riv. R. R. stock, 



Securities held as collateral for cash loans :- 

Williamsburgh Gas Light Co. stock, 
United States bonds, 1865, 
Produce Exchange certificate, . 



Par value. 


Market value. 


$150,000 00 


$173,112 50 


10,000 00 


8,750 00 


5,000 00 


5,500 00 


10,000 00 


10,000 00 


$175,000 00 


$197,362 50 


Market value. 


L,oaned thereon. 


$3,750 00 


$3,000 00 


2,950 00 


2,500 00 


800 00 


450 00 



$7,500 00 $5,950 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in Dry Goods Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, $750 ; rents due and 

accrued, $1,100, 

Gross Assets, 



$11,500 00 

59 50 

197,362 50 

5,950 00 

257 42 

2,889 47 

658 25 

10,589 87 

600 00 

1,850 00 



$231,717 01 



Liabilities. 

Losses adjusted, unpaid, $687 43 

claimed and reported, .... 600 00 

Unearned premiums on outstanding risks, . 23,688 98 

Dividends to stockholders unpaid, . . . 320 00 



* Value of lands mortgaged $7,500 00 

Value of buildings thereon, 16,000 00 

Total value of property mortgaged $23,500 00 

Amount of insurance held as collateral, 16,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



183 



Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ...... 



,175 41 



$26,471 82 



Surplus over Capital, 



$205,245 19 
200,000 00 

$5,245 19 



Income. 

Cash received for fire premiums, . . . $66,360 47 
Deduct re-insurance, rebate and return prem's, 5,129 10 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, .... 
Unpaid premium notes received during the 

year, $600 00 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, .... 

Gross Cash Income, 



Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



,231 37 
857 50 



805 00 

13,276 73 

147 50 

$76,318 10 



532,608 06 

15 35 

15,680 00 

9,231 80 

9,249 95 

175 00 

13,965 38 

,925 54 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $6,262,056 00 $44,745 77 
written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1876, 
In force at end of year, 



• • 1 ,tl «/,c>LKJ \J\J 


UtS t 141: &\J 


$13,741,424 00 
1, . • 7,406,665 00 


$113,869 97 
67,372 68 


$6,334,759 00 
114,192 00 


$46,497 29 
451 15 


$6,220,567 00 

. $32,750 00 
32,750 00 


$16,046 14 

$1,457 50 
1,457 50 



Miscellaneous. 

Premiums received from organization of company, . , $219,990 00 

Losses paid from organization of company, .... 60,896 00 

Cash dividends declared from organization of company, , 47,000 00 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Dividends declared during the year (8 per cent.) , 
Losses incurred during the year, 
Company's stock owned by directors, 



$16,000 00 
30,575 00 
85,900 00 



ARCTIC FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated July 18, 1853. Commenced business July 28, 1853.] 

Paid-up Capital, $200,000. 

Vincent Tilyou, President. Secretary, Frank W. Parker. 

Office, No. 104 Broadway. 
Attorney to accept service, Augustus S. Lovett, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States currency bonds, .... $50,00000 $61,37500 

" gold bonds, 90,000 00 101,250 00 

" coupon bonds, .... 15,000 00 16,875 00 



$155,000 00 $179,500 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) ,* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Salvage on losses paid, $11,780.10 ; rents due 
and accrued, $2,106.59, . 
Gross Assets, .... 



$4,500 00 

30,500 00 

280 00 

179,500 00 

2,982 24 

2,907 97 

37 92 

10,072 16 

13,886 69 



$244,666 98 



Liabilities. 

Losses adjusted, unpaid, . 
claimed and reported, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 



$2,940 00 
4,319 27 

$7,259 27 
1,470 00 

$5,789 27 
23,934 52 



* Value of lands mortgaged, 
Value of buildings thereon, 

Total value of property mortgaged, 
Amount of insurance held as collateral, 



$36,000 00 
23,000 00 



$59,000 00 
21,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



185 



Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$25 


00 


1,633 


34 


1,500 


00 



$32,882 13 

$211,784 85 
200,000 00 



Surplus over Capital, $11,784 85 

Income. 

Cash received for fire premiums, . . . $69,951 32 
Deduct re-insurance, rebate and return prem's, 8,104 80 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $23,519 62 
Deduct re-insurance, rebate and return prem's, . 1,971 26 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



11,846 52 



Gross Cash Income, 



21,548 36 
2,501 88 
8,360 53 

194,257 29 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$22,438 55 
281 46 

$4,538 21 
15 92 



22,157 09 



Gross Cash Expenditures, $86,307 01 



4,522 29 

20,249 00 

10,770 63 

16,091 67 

1,774 10 

10,742 23 



Risks and Premiums. 



Fire risks outstanding December 31 , 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1876, 
Deduct risks expired and terminated, 

Net amount in force, . 
24 



$5,934,120 00 
7,764,801 75 

$13,698,921 75 
7,688,435 78 

$6,010,485 97 
493,529 34 



Premiums. 

$37,845 20 
61,846 52 

$99,691 72 
47,306 51 

$52,385 21 
4,755 45 



$5,516,956 63 $47,629 76 



$4,788,524 00 
4,782,524 00 



$21,548 36 
21,048 36 



;,ooo oo $500 oo 



186 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . $2,805,777 18 
Losses paid from organization of company, .... 2,029,654 38 
Cash dividends declared from organization of company, . 547,500 00 
Dividends declared during the year (10 per cent.), . . 20,000 00 

Losses incurred during the year, 25,164 84 

Company's stock owned by directors, 38,460 00 



ATLANTIC INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated December 30, 1871. Commenced business January 2, 1872.] 

Paid-up Capital, #200,000. 

John D. Cocks, President. • Secretary, Wm. D. Cornell. 

Office, No. 178 Broadway. • 
Attorney to accept service, Horace V. Freeman, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States reg'd bonds, 1881, 

1865, 
United States coupon bonds, 1865, . 
South Carolina state bonds, 6s, . 
Richmond city bonds, 8s, . 



Par value. 

$50,000 00 
50,000 00 

125,000 00 
19,000 00 
10,000 00 



Market value. 

$56,875 00 
55,187 50 

137,968 75 

2,400 00 

10,000 00 



$254,000 00 $262,431 25 



Securities held as collateral for cash loans : — 



Atlantic Dock Co. stock, . 
First Natfl Bank, Brooklyn, stock, 
Atlantic Ave. R. R. bonds, 
Tradesmen's Ins. Co. stock, 
Gold check, certified, . 
United States 5-20 bond, . 
Atlantic Ave. R. R. bonds, 



Market value. Loaned thereon. 


$16,500 00 


$10,000 00 


10,000 00 


5,000 00 


2,550 00 


2,000 00 


2,352 50 


700 00 


7,350 00 


7,000 00 


448 00 


400 00 


850 00 


500 00 



,050 50 $25,600 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $98,000 00 

Interest due or accrued thereon, . . . 729 17 

Stocks, bonds, etc., as per schedule, . . .• 262,431 25 

Loans on collateral security, as per schedule, . 25,600 00 



* Value of lands mortgaged $107,000 00 

Value of buildings thereon 162,000 00 

Total value of property mortgaged, $269,000 00 

Amount of insurance held as collateral, 103,500 00 



1876.1 



INS. COS. OF OTHER STATES. 



187 



Cash in the office of the company, . 
deposited in Nassau Natl Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, 



,831 79 

31,688 56 

508 68 

20,176 89 



$457,966 34 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$14,763 02 
13,888 75 

9,587 50 
107,513 84 

3,026 52 



Income. 

Cash received for fire premiums, . . . $377,510 15 
Deduct re-insurance, rebate and return prem's, 48,898 40 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . . . 
Interest and dividends received from all other sources, . 



148,779 63 



,186 71 
200,000 00 

,186 71 



$328,611 75 

7,381 11 

17,241 30 



Gross Cash Income, $353,234 16 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . . ... 
for office, agency and incidental expenses, 



$266,762 00 
111 77 



Gross Cash Expenditures, $387,510 30 



$266,650 23 
20,000 00 
42,885 18 
23,758 36 
7,532 84 
26,683 69 



Eire risks outstanding December 31, 1875 
written during 1876, . 



Risks and Premiums. 

Premiums. 
$25,235,591 00 $249,321 32 
32,542,336 00 398,545 39 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$57,777,927 00 $647,866 71 
34,520,838 00 433,545 41 



$23,257,089 00 $214,321 30 
-88,829 00 926 82 



23,168,260 00 $213,394 48 



1>S 



FIRE, MAELS'E. AND FIEE-MAEIXE ^Dec. 31, 



Mis cell axeou s . 
Premiums received from organization of company, . $1^648^08 ?: 
L . ; ses paid from organization of company, .... 836,752 81 
Cash dividends declared from organization of company, . - . ',000 00 

L jsses incurred during the year, 262£41 90 

Company's stock owned by directors 60,000 00 



ATLANTIC FIRE AND MARINE INSURANCE COMPANY. PROVI- 
DENCE. R. I. 

[Incorporated May, 1892. Commenced business Jane, 18-52.] 

Paid-up Capital, $200,000. 

J. S. Parish, President. S . ' ry, T. W. Haywap.d, Jr. 

'it Providence, 
ice, Hammond Vnrros, Boston. 



Detailed Statement of Stock: 

200 shares Nat'l Bank of Commerce, Prov., 
120 u Northern Bank, Prov., 
7 . :; Weyto . sset Nat'l Bank, Prov., . 

: ;; Merchants' Nat'l Bank, Prov., . 

135 <; Fourth Nat'l Bank, Prov., 

10 " R. I. Safe Deposit Co., Prov , . 

50 " American Exch. Nat'l Bank 
304 " Michigan Central R. R. Co., 
Elizabeth city bonds, 



N. Y 



Securities held as collateral for cash loans : — 
16 shares Nat'l Exchange Bank, 



Bonds. Etc. 

Par value. 
$10.' 
12,000 00 
3*500 00 

: 

13,500 00 

1,000 Ml 

.: 

30.. 
10,000 00 



Market value. 

$10,000 00 
10300 00 
4,200 00 
12. 

16^75 00 

1,000 00 

5,250 00 

14,o92 00 

10,000 00 



|95,40C $81,717 00 



Market value. Loaned thereon. 

$960 00 |779 22 



Summary of Assets, December 31, 187C 



Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in Fourth Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Assignee claim, 

Gross Assets, ..... 



$145,78 2C 

84*717 XI 

779 22 

148 37 

17,289 90 

29 22 

11,753 04 

4,08o 20 

2.716 60 



$267,216 81 



1876.] 



INS. COS. OF OTHER STATES. 



189 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for agency expenses, etc., 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$4,718 55 

3,706 25 

38,800 57 

273 00 

852 72 

1,712 95 



$50,064 04 

M17,182 77 
200,000 00 



,182 77 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Cash received for marine and inland prem's,, . 
Deduct re-insurance, rebate and return prem's, 
Net cash received for marine and inl'd prem's, 
Interest and dividends received from all sources, 
Income from all other sources; viz., rents, 
$7,901,43 ; profit and loss account, $20.05, . 



$76,334 11 
9,504 92 



,829 19 



20,986 83 
8,107 43 



12,879 40 

5,654 75 

7,921 48 
Gross Cash Income, $93,284 82 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$37,823 49 
2,317 01 

$6,691 25 
36 35 



for all other items ; viz., expense on real estate, . 

Gross Cash Expenditures, . 

Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount re-insured, 

Net amount in force, . 



$5,348,120 63 
6,089,215 53 



fll,437,336 16 
5,991,509 70 



$5,445,826 46 
73,880 75 



$35,506 48 



6,654 90 

17,731 50 

12,388 06 

12,581 90 

4,758 03 

2,515 00 

$92,135 87 

Premiums. 

$79,509 02 
76,334 11 

$155,843 13 
79,701 72 

$76,141 41 
964 82 



$5,371,945 71 $75,176 59 



190 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, . . . • . 



!,710 00 
2,101,196 82 



$804 50 
20,986 83 



$2,167,906 82 $21,791 33 
2,026,714 82 19,756 15 



$71,852 00 



$141,192 00 $2,035 18 
69,340 00 1,072 00 



$963 18 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), . 
Losses incurred during the year, . . 
Company's stock owned by directors, .... 



$2,819,727 51 

2,190,336 37 

314,000 00 

18,000 00 

38,840 14 

49,600 00 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK. 

[Incorporated April 11, 1842. Commenced business April, 1842.1 

John D. Jones, President. Secretary, Jos. H. Chapman. 

Office, No. 51 Wall Street. 
Attorney to accept service, G. Winthrop Coffin. 



Detailed Statement of 

American Exchange Bank stock 

Bank of America stock, . 

Bank of Commerce stock, 

Bank of New York stock, 

Hanover Bank stock, 

Leather Manufacturers 1 Bank stock, 

Merchants 1 Bank stock, 

Mechanics 1 Bank stock, 

Manhattan Co. stock, 

Market Bank stock, 

Metropolitan Bank stock 

Phenix Bank stock, 

Union Bank stock, . 

Ohio state bonds, . 

New York state bonds, 

Illinois state bonds, 

Missouri state bonds, 

Connecticut state bonds, 

N. Y. Central R. R. bonds, 



Stocks, Bonds, Etc. 

Par value. 

$40,000 00 
90,000 00 
40,000 00 
64,400 00 
15,000 00 
15,600 00 
97,750 00 
45,900 00 
8,550 00 
50,000 00 
45,000 00 
44,000 00 
40,000 00 
73,000 00 
45,000 00 
23,000 00 
50,000 00 

200,000 00 
39,000 00 



Market value. 

$36,000 00 
90,000 00 
40,000 00 
64,400 00 
10,500 00 
15,600 00 
97,750 00 
45,900 00 
8,550 00 
45,000 00 
45,000 00 
30,800 00 
40,000 00 
65,700 00 
42,750 00 
20,700 00 
42,500 00 

180,000 00 
33,150 00 



1876.] 



INS. COS. OF OTHER STATES. 



191 



Del. and Hudson Canal Co. bonds, 

N. Y. county and city bonds, 

Brooklyn city bonds, 

Kings county bonds, 

Jersey city bonds, . 

United States bonds, 

Dist. of Columbia bonds, 



$50,000 00 $45,000 00 
1,226,600 00 1,134,000 00 



122,000 00 

59,000 00 

100,000 00 

9,365,000 00 

150,000 00 



109,800 00 

53,100 00 

90,000 00 

8,607,500 00 

75,000 00 



$12,098,800 00 $11,068,700 00 



Securities held as collateral for cash loans 

American Exchange Bank stock, 

Central Nat 1 ! Bank stock, . 

Continental Nat 1 l Bank stock, 

Bank of America stock, 

Fourth Nat'l Bank stock, 

Manhattan Co. stock, 

Nassau Bank stock, . 

Pacific Bank stock, 

Phenix Bank stock, . 

United States Fire Ins. Co. stock, 

Manhattan Gas Light Co. stock, 

Metropolitan Gas Light Co. stock, 

Brooklyn Gas Light Co. stock, . 

Nassau Gas Light Co. stock, 

Cleveland and Pittsburgh R. R. stock, 

Chicago and No. Western R. R. stock, pref., 

Del., Lack, and Western R. R. stock, 

Morris and Essex R. R. stock, . 

Lake Shore and Mich. So. R. R. stock, 

N. Y., Prov. and Boston R. R. stock, 

Panama R. R. stock, . 

Pitts., Ft. Wayne and Chicago R. R. stock 

Rensselaer, and Sar. R. R. stock, 

Howard Fire Ins. Co. stock, 

Niagara Fire Ins. Co. stock, 

Del., Lack, and Western R. R. stock, 

Grand River Val. R. R. bonds, . 

Del. and Hudson Canal Co. stock, 

Albany and Susq. R. R. stock, . 

Central Pacific R. R. L. G. stock, 

Chicago, Burl, and Q. R. R. bonds, 

N. Y. C. and H. R. R. R. bonds, 

New York and Harlem R. R. bonds, 

Del., Lack, and Western R. R. bonds, 

Dayton and Mich. R. R. (1st mort.) bonds, 

Morris and Essex R. R. bonds, 

Phila. and Reading R. R. (1st mort.) bonds, 

Terre Haute and Indianap. R. R. bonds, 



Market value. Loaned thereon. 



} 



$5,400 00 
3,300 00 

28,000 00 

10,000 00 

100,000 00 

4,500 00 

19,000 00 
1,400 00 



50,000 00 

30,000 00 

11,500 00 

6,000 00 

9,000 00 

22,000 00 

43,000 00 

4,500 00 

66,000 00 

9,000 00 

62,000 00 

10,000 00 

100,000 00 



53,000 00 
76,000 00 
45,000 00 



13,000 00 
10,000 00 
11,000 00 
37,000 00 
7,000 00 



$5,000 00 

2,000 00 
20,000 00 

6,000 00 
82,000 00 

3,500 00 
10,000 00 

1,100 00 



2,300 00 2,000 00 



33,000 00 

21,000 00 
9,500 00 
4,600 00 
7,500 00 

15,000 00 

31,500 00 
3,000 00 

55,000 00 
6,500 00 

50,000 00 
8,000 00 

55,000 00 



20,000 00 18,000 00 



32,000 00 
65,000 00 
32,000 00 



4,600 00 4,000 00 



11,500 00 
7,500 00 
8,500 00 

32,000 00 
5,000 00 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Union Pacific R. R. bonds, 
Cincinnati city bonds, 
Jersey city bonds, 
New York city bonds, 
San Francisco city bonds, . 
Stockton city bonds, . 
Missouri state bonds, . 
Union Mutual Ins. Co. scrip, 
Dist. of Columbia bonds, . 
United States bonds, . 



$54,000 00 

50,000 00 

3,000 00 

31,500 00 

5,200 00 

6,000 00 

325,000 00 

15,000 00 

14,000 00 

460,000 00 



$45,000 00 

43,000 00 

2,500 00 

22,000 00 

4,500 00 

3,000 00 

285,000 00 

8,500 00 

10,000 00 

409,100 00 



$1,837,200 00 $1,479,300 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens),* 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash deposited in various banks, . 
Notes taken for marine and inland risks, 

Salvage on losses paid, 

Gross Assets, 



$250,000 00 

17,000 00 

11,068,700 00 

1,479,300 00 

665,012 74 

1,812,504 38 

402,350 19 



■$15,694,867 31 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, . 
Return premiums, $145,833.09 ; other de 
mands, $15,430.17, .... 
Gross Liabilities, except scrip,* 

Surplus as regards Policy-holders, . 
Scrip outstanding, 



Surplus over Scrip, . 



$127,809 72 
1,750,818 01 

275,500 00 
2,040,362 61 

180,000 00 

191,263 26 



4,565,753 60 

m,129,113 71 

8,827,340 00 

$2,301,773 71 



Income. 

Cash received for marine and inland prem's, $5,248,418 14 
Deduct re-insurance, rebate and return prem's, 684,172 20 

Net cash received for marine and inl'd prem's, $1,564,245 94 

Unpaid premium notes received during the 
year, $1,812,504 38 



Value of lands mortgaged $15,000 00 

Value of buildings thereon, 20,000 00 

Total value of property mortgaged $35,000 00 

Amount of insurance held as collateral, 8,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



Interest and dividends received from all sources, . 
Income from rents, $18,100 ; from all other sources, 
5,037.44, 



Gross Cash Income, 



Expenditures. 

Cash paid for marine and inland losses, 

Interest paid scripholders, 

Cash paid for redemption of scrip, . . $1,869,880 00 

for commissions and brokerage, . 

for salaries of officers and employes, . 

for state and local taxes, . . . 

for office, agency and incidental expenses, . 

Gross Cash Expenditures, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, . 

In force at end of year, . 



•$91,455,959 00 

292,594,658 00 

$384,050,617 00 

294,560,308 00 



193 

$728,250 92 

66,137 44 
5,358,634 30 



,865,193 49 
518,581 80 

33,311 81 

369,285 43 

31,555 54 

19,207 00 

',837,135 07 



Premiums. 

$2,172,260 07 

4,929,197 66 

$7,101,457 73 
5,061,095 12 



$89,490,309 00 $2,040,362 61 



ATLAS INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June 11, 1872. Commenced business July 2, 1873.] 

Paid-up Capital, $200,000. 

J. H. Sprague, President. Secretary, E. B. Huntington. 

Office at Hartford. 
Attorney to accept service, George Ripley, Andover. 



Detailed Statement of Stocks, 



Terre Haute city bonds, . 

600 shares Nat 1 ! Exchange Bank, 



124 
100 
140 
75 
50 
48 
50 
20 
25 



Charter Oak Nat 1 ! Bank, 
Mercantile Nat'l Bank, 
American Nat'l Bank, 
Farmers and Mechanics' 
First Nat'l Bank, 
iEtna Nat'l Bank, 
U. S. Trust Co., 
Conn. Trust Co., 
Security Company, 

25 



Nat' 



B'k 



Bonds, Etc. 

Par value. 

$25,000 00 

30,000 00 

12,400 00 

10,000 00 

7,000 00 

7,500 00 

5,000 00 

4,800 00 

5,000 00 

2,000 00 

2,500 00 



Market value. 

$27,000 00 

40,200 00 

16,740 00 

13,000 00 

10,080 00 

9,750 00 

5,250 00 

6,240 00 

5,000 00 

1,800 00 

2,500 00 



$111,200 00 $137,560 00 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 , 



Securities held as collateral for cash loans :— 

100 shares N. Y., N. H. and H. R. R. Co., 
40 " Merchants' L. and T. Co., 

Essex town bonds, 

Haddam town bonds, 
9 shares JEtna Life Ins. Co., 

12 " U. S. Trust Co., . 

6 " Hartford Gas Light Co., 
2 " City Bank, . 

United States bond, 

40 shares Willimantic Linen Co., 

7 " ^Etna Life Ins. Co., . 
United States bonds, . 
Conn, state bond, 
20 shares American Nat'l Bank, 
55 " Del. and Hudson Canal Co 

5 " Union M'f 'g Co., 
48 " American Nat'l Bank, 
Beardstown city bonds, 
10 shares Hartford Bridge Co., . 



Market value. 

$15,500 00 

4,000 00 

2,000 00 

500 00 

3,600 00 

1,200 00 

240 00 

200 00 

112 00 

2,400 00 

2,800 00 

2,244 00 

1,100 00 

1,440 00 

4,015 00 

500 00 

3,456 00 

500 00 

1,600 00 



Loaned thereon. 

$10,000 00 
2,500 00 

\ 2,500 00 
V 2,500 00 

I 500 00 

1,250 00 
1,250 00 



6,750 00 



1,250 00 
500 00 
750 00 



$47,407 00 $29,750 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $29,000 00 

Loans on mortgage of real estate (first liens),* 147,400 00 

Interest due or accrued thereon, . . . 9,259 00 

Stocks, bonds, etc., as per schedule, . . . 137,560 00 

Loans on collateral security, as per schedule, . 29,750 00 

Cash in the office of the company, . . . 6,308 79 

deposited in various banks, . . . 20,546 10 

Interest due and accrued, 435 00 

Premiums in course of collection (net), . . 54,472 40 

Bills receivable, . . . . . . . 90 00 

Re-insurance due on losses paid, . . . .350 78 

Furniture, etc., $6,961 00 

Gross Assets, — 

Liabilities. 

Losses adjusted, unpaid, $19,870 59 

claimed and reported, .... 28,060 01 

Unearned premiums on outstanding risks, . 184,703 70 

Gross Liabilities, except capital, . . 

Surplus as regards Policy-holders, 

Paid-up capital, 



$435,172 07 



Surplus over Capital, 



232,634 30 

$202,537 77 
200,000 00 

$2,537 77 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$413,498 00 
66,100 00 



1876.] 



INS. COS. OF OTHER STATES. 



195 



Cash received for fire premiums, . . . $123,898 19 
Deduct re-insurance, rebate and return prem's, 34,882 50 

Net cash received for fire premiums, . . $389,015 69 

Interest and dividends received from all sources, . . . 25,580 20 

Income from all other sources ; viz., salvage account, . . 12 00 

Gross Cash Income, $414,607 89 



Expenditures. 
Cash paid for fire losses, . . . . 
Deduct salvage and re-insurance, . . . 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$324,037 54 
350 78 



Gross Cash Expenditures, $482,676 53 



$323,686 76 
22,000 00 
58,291 84 
21,901 06 
10,509 74 
46,287 13 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$25,896,469 00 $458,311 28 
27,227,574 00 423,898 19 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$53,124,043 00 $882,209 47 
29,914,240 00 516,775 31 



$23,209,803 00 $365,434 16 
96,100 00 964 98 



$23,113,703 00 $364,469 18 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of' company, 
Dividends declared during the year (11 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



,592,192 33 

824,247 29 

58,000 00 

22,000 00 

291,828 21 

51,000 00 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
BUFFALO INSURANCE COMPANY, BUFFALO, N. Y. 

[Incorporated July 15, 1874. Commenced business July 17, 1874.] 

Paid-up Capital, $200,000. 

Pascal P. Pratt, President. Secretary, Edward B. Smith. 

Office at Buffalo. 
Attorney to accept service, Edward Stearns, Boston. 

Summary op Assets, December 31, 1876. 



United States bonds, .... 
Cash deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Salvage on losses paid, 

Gross Assets, .... 

Liabilities 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$226,000 00 
77,099 41 
1,800 00 
4,255 67 
5,750 90 
5,282 29' 



$1,730 00 

1,500 00 

49,840 22 



$320,188 27 



53,070 22 

$267,118 05 
200,000 00 



Income. 

Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Cash received for marine and inland prem's, . 
Deduct re-insurance, rebate and return prem's, 
Net cash received for marine and inl'd prem's, 
Unpaid premium notes received during the 
year, . . . . $5,750 90 

Interest and dividends received from all sources, 



$114,253 37 
16,924 53 



,866 99 
30,940 44 



,118 05 



,328 84 
59,926 55 
12,685 70 



Gross Cash Income, $169,941 09 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 



$53,805 03 
3,265 00 



,361 48 
18,418 73 



$50,540 03 



21,942 75 



1876.] 



INS. COS. OF OTHER STATES. 



197 



Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



|20,000 00 

26,290 29 

5,500 01 

4,187 24 

5,978 88 



Gross Cash Expenditures, . . ... . . . $134,439 20 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$8,620,013 00 
10,719,030 00 

$19,339,043 00 
10,831,574 00 

$8,507,469 00 
158,665 00 



Premiums. 

,512 04 
109,968 23 

$218,480 27 
120,587 05 

$97,893 22 
2,083 44 



1,348,804 00 $95,809 78 



Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$5,000 00 

16,851,313 00 

$16,856,313 00 

16,763,246 00 



,067 00 
25,167 00 

$67,900 00 



$250 00 

94,444 33 

$94,694 33 

90,304 25 

$4,390 08 

1,568 33 

$2,821 75 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$440,740 50 

207,268 96 

40,000 00 

20,000 00 

63,250 22 

122,000 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital $200,000. 

Philip Becker, President. Secretary, Oliver J. Eggert. 

Office at Buffalo. 
Attorney to accept service, James Swords, Boston. 



Detailed Statement of 



United States 5-20 reg'd bonds, . 
United States 5-20 coupon bonds, 
United States 10-40 reg'd bonds, 
Buffalo city bonds, 
Toledo city bonds, 
Buffalo, N. Y. and P. R. R. bonds, 
Lake Shore and M. S. R. R. bonds, 
iEtna Ins. Co. stock, N. Y., 
Rochester German Ins. Co. stock, 
Citizens 1 Gas Co. first mort. bonds, 



Stocks, Bonds, Etc. 

Par value. 

$77,500 00 
32,000 00 
70,000 00 
25,000 00 

3,000 00 
25,000 00 
25,000 00 
10,000 00 

2,000 00 
10,000 00 



Market value. 

$87,768 75 
35,280 00 
79,537 50 
26,250 00 

3,150 00 
21,250 00 
23,500 00 
10,000 00 

2,000 00 
10,000 00 



$279,500 00 $298,736 25 



Securities held as collateral for cash loans : — 



50 shares Third Nat'l Bank, 
6 " German Bank, . 
Citizens' Gas Company bonds, . 
23 shares Buffalo, N. Y. and P. Railroad, 
20 " iEtna Insurance Company, 
Buffalo, N. Y. and P. Railroad bonds, 



Market value. Loaned thereon. 

$5,000 00 
6,000 00 
5,300 00 
1,840 00 
2,000 00 
2,550 00 



| $10,000 00 
| 4,000 00 
\ 2,750 00 



$22,690 00 $16,750 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in various banks, 
Interest due and accrued, . . . 
Premiums in course of collection (gross), 



$273,934 17 

40,100 00 

575 50 

298,736 25 

16,750 00 

1,682 52 

29,664 75 

702 08 

19,394 90 



* Value of lands mortgaged $65,445 00 

Value of buildings thereon, 72,525 00 

Total value of property mortgaged $137,970 00 

Amount of insurance held as collateral, 26,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



199 



Notes taken for marine and inland risks, . 

City orders, 

Office furniture, $1,500 00 

Gross Assets, . . • . 



1,060 78 
198 25 



$684,799 20 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$4,207 28 

19,075 00 

1,805 00 



25,087 28 
2,000 00 



$23,087 28 

122,803 85 

839 16 



146,730 29 

$538,068 91 
200,000 00 

$338,068 91 



Income. 

Cash received for fire premiums, . . . $226,679 98 
Deduct re-insurance, rebate and return prem's, 19,955 18 

Net cash received for fire premiums, . . 

Unpaid premium notes received during the 

year, $1,030 73 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, $ 2,182.56 ; com- 
mission, $2,222.21, 



$206,724 80 



3,001 47 
23,477 55 

4,404 77 



Gross Cash Income, $237,608 59 



Expenditures. 
Cash paid for fire losses, . . . . $111,165 78 

Deduct salvage and re-insurance, . . . 885 32 

Net cash paid for fire losses, .... $110,280 46 

Cash dividends paid 30,000 00 

paid for commissions and brokerage, .... 30,921 99 
for salaries of officers and employes, . . . 12,635 84 

for state and local taxes, 4,918 72 

for expenses on real estate, $4,567.24; office, 

agency and incidental expenses, $6,426.77, . 10,994 01 



Gross Cash Expenditures, $199,751 02 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Eisks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $21,677,062 00 $229,029 68 
written during 1876, . . . 25,203,661 00 234,186 51 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$46,880,723 00 $463,216 19 
23,979,127 00 223,823 03 



$22,901,596 00 $239,393 16 
484,550 00 4,306 39 



$22,417,046 00 $235,086 77 



Miscellaneous. 
Premiums received from organization of company, . $1,323,727 68 

Losses paid from organization of company, . ... . 495,884 67 

Cash dividends declared from organization of company, . 169,925 00 

Dividends declared during the year (15 per cent.), . . 30,000 00 

Losses incurred during the year, 124,508 39 

Company's stock owned by directors, 60,000 00 



CITIZENS' INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated April 28, 1869. Commenced business May 1, 1869.] 

Paid-up Capital, $200,000. 

Joseph M. Smith, President. Secretary, A. Paul Scharff. 

Office at Newark. 
Attorney to accept service, H. K. Merrifield, Worcester. 



Detailed Statement of Stocks, Bonds, Etc. 



Citizens' Gas Light Co. bonds, 
Richmond, Va., city bonds, 
Manufacturers' Nat'l Bank, 
North Ward Nat'l Bank, . 
United States 10-40 bonds, 
United States coupon bonds, 



Par value. 

$13,000 00 
10,000 00 
2,000 00 
17,000 00 
40,000 00 
60,000 00 



Market value. 

$14,300 00 
11,500 00 
2,140 00 
18,190 00 
45,200 00 
67,950 00 



$142,000 00 $159,280 00 



Securities held as collateral for cash loans : — 

First Nat'l Bank, 
North Ward Nat'l Bank, 
First Nat'l Bank, 
North Ward Nat'l Bank, 
Citizens' Gas Light Co., 
North Ward Nat'l Bank, 
Second Nat'l Bank, . 



Market value. Loaned thereon. 

£2,200 00 $2,000 00 
2,675 00 
3,300 00 
2,140 00 
2,500 00 
963 00 
1,100 00 



} 
} 



4,100 00 
1,700 00 
2,000 00 
1,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



201 



State Nat'l Bank, 
Manufacturers' Nat'l Bank, 
United States 5-20 bonds, . 
Bond and mortgage loan, . 



} 



$500 00 



$330 00 
428 00 
5,512 00 5,000 00 
17,900 00 12,400 00 



$39,048 00 $28,700 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $215,778 16 

7,390 06 

159,280 00 

28,700 00 

5,006 26 

38,328 47 

4,587 84 

42,735 91 



Interest due and accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, 



$501,806 70 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Due and accrued for rent, salaries, etc., . 
Due for borrowed money, .... 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Impairment of Capital, 



$27,839 38 

23,380 41 

2,250 00 

240,437 77 

53 75 

166 66 

40,000 00 

3,223 84 



337,351 81 

$164,454 89 

200,000 00 

f$35,545 11 



Income. 

Cash received for fire premiums, . . . $556,272 77 
Deduct re-insurance, rebate and return prem's, 89,073 01 

Net cash received for fire premiums, . . $467,199 76 

Interest received on bonds and mortgages, .... 11,133 74 
and dividends received from all other sources, . . 8,722 53 
Income from all other sources ; viz., premium on gold, 

$1,740.83 ; return prem's, $1,396.16, 3,136 99 



Gross Cash Income, $490,193 02 

* Value of lands mortgaged $451,800 00 

Value of buildings thereon, 347,600 00 

Total value of property mortgaged $799,400 00 

Amount of insurance held as collateral 152,700 00 

t Restored since January 1, 1877. 
26 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Interest paid scripholders, 

Cash paid for redemption of scrip, 

for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 



$333,856 75 
1,931 36 



for office, agency and incidental expenses, 



Gross Cash Expenditures, 



} 



$331,925 39 
12,000 00 

17 53 

124,276 98 

14,891 28 

9,588 76 

46,047 46 

$538,747 40 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $ 26,487,076 00 $426,216 43 
written during 1876, . . . 37,359,962 91 560,535 42 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,847,038 91 $986,751 85 
32,985,590 35 503,285 19 



$30,861,448 56 $483,466 66 
. 862,495 30 12,032 67 



,998,953 26 $471,433 99 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



.,820,890 31 

864,846 09 

85,231 94 

12,000 00 

335,982 87 

130,000 00 



CITIZENS 1 INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

James M. McLean, President. Secretary, Edward A. Walton. 

Office, No. 156 Broadway. 
Attorney to accept service, Wm. H. Ellison, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States registered bonds, 6s, . . . $150,000 00 $170,625 00 

" 6s, 1867, . . 100,000 00 113,250 00 
" currency bonds, 6s, . . . 75,000 00 91,406 25 



1876.] 



INS. COS. OF OTHER STATES. 



203 



Virginia state bonds, 6s, . 

South Carolina state bonds, 6s, . 

Lake Shore and Mich. So. R. R. bond: 

Citizens' Nat'l Bank stock, 

Union Trust Co. stock, 

Harlem Bank stock, .... 



Securities held as collateral for cash loans :- 
Manhattan Life Ins. Co. stock, . 



Citizens* Xat'l Bank stock, 

Butchers and Drovers 1 Nat'l Bank stock, 

Union Trust Co. stock, 
k t( tt 

Metropolitan Gas Light Co. stock, . 
N. Y. Cent, and H. R. R. R. stock, . 
United States 5-20 bonds, . 

IC CC It II 

Missouri state bonds, . 

Western Union Telegraph stock, 
ii it it ii 

Hudson River R. R. inort. bonds, 
Bank of the Metropolis stock, . 



•130,000 00 
11,200 00 
50,000 00 
24,500 00 
10,000 00 
2,500 00 



$ 16,500 00 

3,584 00 

52,250 00 

26,950 00 

14,000 00 

1,250 00 



$453, "200 00 |489,815 25 



Market value. 

$5,000 00 

5,000 00 

1,375 00 

1,860 00 

8,400 00 

21,000 00 

14,500 00 

30.300 00 

1,095 00 

1,095 00 

4,160 00 

7,100 00 

49,700 00 

1,100 00 

4,000 00 



Loaned thereon. 

81,500 00 



} 



3,000 00 

1,600 00 

6,900 00 

55,000 00 

800 00 
1,000 00 
3,500 00 
5,000 00 
40,000 00 
1,000 00 
3,000 00 



$155,685 00 $122,300 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $59,500 00 

Loans on mortgage of real estate (first liens),* 166,750 00 

Interest due or accrued thereon, . . . 6,135 21 

Stocks, bonds, etc., as per schedule, . . . 489,815 25 

Loans on collateral security, as per schedule, . 122,300 00 

Cash deposited in various banks, . . . 62,639 04 

Interest due and accrued, 1,275 57 

Premiums in course oi' collection (net), . . 13,732 10 

Rents due and accrued, 810 00 

Gross Assets, 



122,957 17 



Liabilities. 

Losses claimed and reported, .... $2,380 00 

Unearned premiums on outstanding risks, . 127,642 60 

Dividends to stockholders unpaid, . . . 164 50 

* Value of lands mortgaged, $255,500 00 

Value of buildings thereon, 164,500 00 

Total value of property mortgaged, $420,000 00 

Amount of insurance held as collateral 107,450 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due and accrued for rent, salaries, etc., 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$1,666 66 
600 00 



- $132,453 85 

. $790,503 32 
. 300,000 00 



$490,503 32 



Income. 

Cash received for fire premiums, . . . $249,352 98 
Deduct re-insurance, rebate and return prem's, 25,148 78 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 

and dividends received from all other sources, 
Income from all other sources ; viz., rents, .... 



$224,204 20 

9,435 62 

34,228 84 

4,613 33 



Gross Cash Income, . . . . .... $272,481 99 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$67,162 47 
5,472 26 



for office, agency and incidental expenses, 



161,690 21 

70,489 30 
19,890 32 
54,293 66 
3,195 55 
20,209 40 



Gross Cash Expenditures, $229,768 44 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $45,671,101 51 $303,343 98 
written during 1876, . . . 46,231,533 79 255,649 19 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$91,902,635 30 $558,993 17 
48,488,874 48 293,522 52 



$43,413,760 82 $265,470 65 
860,155 01 7,108 93 



$42,553,605 81 $258,361 72 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$5,111,359 77 

2,273,610 35 

1,226,550 00 

60,000 00 

69,276 92 

67,460 00 



1876.] 



INS. COS. OF OTHER STATES. 



205 



CITIZENS' INSURANCE COMPANY, ST. LOUIS, MO. 

[Incorporated February 2, 1837. Commenced business February, 1837.] 

Paid-up Capital, #200,000. 

E. O. Stanard, President. Secretary, John P. Harrison. 

Office at St. Louis. 
Attorney to accept service, Geo. O. Carpenter, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Missouri state bonds, 6s, $100,000 00 $107,000 00 

St. Louis Elevator bonds, 50,000 00 52,000 00 

St. Louis Chamber of Commerce bonds, . . 20,000 00 20,800 00 

St. Louis Chamber of Commerce stock, . . 5,000 00 500 00 

Venice Elevator Co. stock, . . . . 10,000 00 1,000 00 

Second Nat'l Bank stock, 3,000 00 2,500 00 

Yarger Milling Co. stock, . . . . . 12,800 00 15,283 00 

No. Mo. R. R. 1st mort. bonds, 100,000 00 100,000 00 

Mo. Pacific R. R. mort. bonds, .... 50,000 00 48,500 00 



Securities held as collateral for cash loans 
138 shares St. Louis Elevator Co. stock, . 



$350,800 00 $347,583 00 



Market value. Loaned tbereon. 

$11,730 00 $10,000 00 
5,440 00 3,700 00 



$17,170 00 $13,700 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 



$25,900 00 



Loans on mortgage of real estate (first liens),* 20,078 00 

Interest due or accrued thereon, . . . 528 00 

Stocks, bonds, etc., as per schedule, . . . 347,583 00 

Loans on collateral security, as per schedule, . 13,700 00 

Cash in the office of the company, . . . 230 00 

deposited in various banks, . . . 4,857 22 

Interest due and accrued, 1,305 00 

Premiums in course of collection (net), . . 18,965 07 

Gross Assets, $433,146 29 



Liabilities. 



Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted, 



£8,204 00 
4,304 00 
8,570 00 



* Value of lands mortgaged, . , $32,000 00 

Value of buildings thereon, 26,200 00 

Total value of property mortgaged, $58,200 00 

Amount of insurance held as collateral, 11,800 00 



206 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 



$89,965 00 



$111,043 00 



Surplus as regards Policy-holders, $322,103 29 

Paid-up capital, 200,000 00 

Surplus over Capital, $122,103 29 



Income. 

Cash received for fire premiums, . . . $187,979 83 

Deduct re-insurance, rebate and return prem's, 3,902 96 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $10,045 55 

Deduct re-insurance, rebate and return prem's, 2,272 09 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, .... 



$184,076 -87 



7,773 46 
24,145 66 



Gross Cash Income, $215,995 99 



Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$132,173 26 

650 50 

19,980 00 

35,786 29 

10,200 00 

9,000 00 

9,710 83 

$217,500 88 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, . . 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 

Marine risks outstanding December 31, 1875, 
written during 1876, 



Total, ....... 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$10,380,166 00 
12,301,375 00 

$22,681,541 00 
11,765,439 00 

$10,916,102 00 
198,680 00 



Premiums. 

$180,510 90 
184,076 87 

$364,587 77 
185,468 00 

$179,119 77 
1,926 00 



$10,717,422 00 $177,193 77 



$24,000 00 
1,415,619 00 

51,439,619 00 
1,432,369 00 

$7,250 00 
3,250 00 



$150 00 
10,045 55 



,195 55 
10,121 20 



$74 35 
24 35 



$4,000 00 # $50 00 



1876.] 



INS. COS. OF OTHER STATES. 



207 



Miscellaneous. 

Dividends declared during the year (10 per cent.), 
Losses incurred during the year, . 
Company's stock owned by directors, 



$20,000 00 

122,890 76 

73,400 00 



CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW YORK, 

NEW YORK. 

[Incorporated April 26, 1833. Commenced business June 6, 1833.] 

Paid-up Capital, $210,000. 

Samuel Townsend, President. Secretary, David J. Blauvelt. 

Office, No. Ill Broadway, New York. 

Attorney to accept service, William A. Beattie, Boston. . 



Detailed Statement of Stocks, Bonds, Etc. 



1700 shares Tradesmen's Nat'] Bank, 
200 " N. Y. Central and H. R. R. R 
United States 5-20 reg'd bonds, 1867, 
" " 5-20 coupon bonds, 
10-40 reg'd bonds, 



Par value. 

$68,000 00 
20,000 00 
25,000 00 
20,000 00 
10,000 00 



Market value. 

$85,000 00 
20,200 00 
28,312 50 
22,650 00 
1.1,337 50 



$143,000 00 $167,500 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due and accrued thereon, 
Stocks; bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (gross), 

Gross Assets, 



$3,000 00 

238,600 00 

7,239 15 

167,500 00 

441 76 

11,038 69 

4,150 00 

1,989 41 



$133,959 01 



Liabilities. 

Losses claimed and reported, .... $1,303 46 

Unearned premiums on outstanding risks, . 29,146 57 

Due and accrued for rent, salaries, etc., . . 1.191 66 

Commissions and brokerage, .... 142 82 



* Value of lands mortgaged, $211,200 00 

Value of buildings thereon, 293,500 00 

Total value of property mortgaged $504,700 00 

Amount of insurance held as collateral, 208,300 00 



208 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Return premiums, . . . . . . $14 03 

Gross Liabilities, except capital, . . . $31,798 54 

Surplus as regards Policy-holders, $402,160 47 

Paid-up capital, 210,000 00 

Surplus over Capital, . . . $192,160 47 

Income. 

Cash received for fire premiums, . . . $59,167 90 
Deduct re-insurance, rebate and return prem's, 2,307 94 

Net cash received 'for fire premiums, . . $56,859 96 

Interest received on bonds and mortgages, .... 37,952 47 

Interest and dividends received from all other sources, . 11,293 25 

Income from all other sources, 1,680 00 



Gross Cash Income, . $87,785 68 

Expenditures. 

Cash paid for fire losses, $26,666 48 

dividends paid, 42,000 00 

paid for commissions and brokerage, . . . . 4,937 91 

for salaries of officers and employes, . . . 14,241 15 

for state and local taxes, 5,414 41 

office, agency and incidental expenses, . . . 8,574 71 



Gross Cash Expenditures, $101,834 66 

Risks and Premiums. 

Premiums. 
Fire risks outstanding December 31, 1875, $12,782,251 73 $65,422 24 



written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



14,375,537 09 59,455 77 



,157,788 82 $124,878 01 
14,597,641 32 68,004 58 



$12,560,147 50 $56,873 43 
. 161,500 00 636 95 



$12,398,647 50 $56,236 48 



Miscellaneous. 
Premiums received from organization of company, . $2,695,931 14 
Losses paid from organization of company, .... 1,258,064 31 
Cash dividends declared from organization of company, . 1,518,300 00 

Losses incurred during the year, 26,726 48 

Company's stock owned by directors, . , * * . . . 41,090 00 



1876.] INS. COS. OF OTHER STATES. 209 

CLINTON FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business July 11, 1850.] 

Paid-up Capital, $250,000. 

James B. Ames, President. Secretary, G. T. Patterson, Jr. 

Office, No. 156 Broadway. 
Attorney to accept service, J. J. E. Rothery, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 reg'd bonds, . . . . $136,000 00 $154,300 00 

" cur. " " 6s, . . . 64,000 00 77,920 00 

ii r eg'd bonds, 4|s, .... 20,000 00 21,650 00 

Delaware and Hudson Canal Company bonds, 30,000 00 30,900 00 

100 shares Central R. R. of N. J., . . . 10,000 00 3,700 00 

300 " N. Y. Central and Hudson Riv. R. R., 30,000 00 31,050 00 

100 " American Exchange Nat'l Bank, . 10,000 00 10,500 00 

85 " Merchants' Nat'l Bank, . ' . . . 4,250 00 5,100 00 



$304,250 00 $335,120 00 



Securities held as collateral for cash loans :— 
United States coupon bonds, '67, 

U II « ig 1? 

35 shares Grocers' Bank, N. Y., 
Union Pacific Railroad bonds, .• 

16 shares Home Insurance Company, N. Y., 

50 " Fourth Nat'l Bank, . 
100 " Mechanics' Bank, 

20 " Relief Insurance Company, 

20 " Safeguard Insurance Company, 



Market value. Loaned thereon. 


$2,325 00 


$1,500 00 


1,172 00 


1,000 00 


1,400 00 


1,200 00 


5,318 00 


5,000 00 


1,840 00 


1,000 00 


4,850 00^ 




3,300 00 I 
940 00 | 


10,000 00 


2,600 00 J 





$23,745 00 $19,700 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $74,400 00 

Interest due or accrued thereon, . . . 1,589 00 

Stocks, bonds, etc., as per schedule, . . . 335,120 00 

Loans on collateral security, as per schedule, . 19,700 00 

Cash in the office of the company, . . . 541 19 

deposited in American Exch. Nat'l Bank, 30,182 26 

Interest due and accrued, 1,176 74 

Premiums in course of collection (gross) , . 10,440 05 

Gross Assets $473,149 24 

* Value of lands mortgaged, $112,000 00 

Value of buildings thereon, 86,000 00 

Total value of property mortgaged, $198,000 00 

Amount of insurance held as collateral 57,100 00 

27 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, 
Unearned premiums on outstanding risks 
Due and accrued for rent, . 
Commissions and brokerage, 
Re-insurance due, 
Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



S20 00 

865 00 

46,863 40 

1,000 00 

1,031 51 

535 31 

215 06 



$50,830 28 

$422,318 96 
250,000 00 

$172,318 96 



2,139 54 
6,483 45 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, . . $95,656 09 

Interest received on bonds and mortgages, .... 4,369 61 

Interest and dividends received from all other sources, . 20,364 76 

Income from all other sources ; viz., premium on gold sold, 875 63 



Gross Cash Income, $121,266 09 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$53,308 38 
4,110 27 



Gross Cash Expenditures, 



$49,198 11 
50,000 00 
10,166 76 
20,634 22 
1,976 09 
10,684 46 

$142,659 64 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31,1875, $16,610,158 00 $109,755 51 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



17,645,761 00 104,260 94 



$34,255,919 00 $214,016 45 
.17,986,892 00 115,920 44 



$16,269,027 00 $98,096 01 
539,612 00 3,611 76 



L5,729,415 00 $94,484 25 



1876.] 



INS. COS. OF OTHER STATES. 



211 



Miscellaneous. 

Premiums received from organization of company, . $2,137,815 60 

Losses paid from organization of company, . . . 818,010 22 

Cash dividends declared from organization of company, 845,500 00 

Dividends declared during the year (20 per cent.), . 50,000 00 

Losses incurred during the year, 38,608 17 

Company's stock owned by directors, 81,700 00 



COLUMBIA FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 24, 1853. Commenced business March, 1853.] 

Paid-up Capital, $300,000. 

George W. Savage, President. Secretary, John B. Arthur. 

Office, No. 59 Liberty Street. 

Attorney to accept service, Edward Stearns, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States 5-20 bonds, 6s, 1865, 

6s, 1867, 
bonds, 6s, 1881, . 
" 5s, 1881, . 
" 10-40 bonds, 5s, . 
" " currency bonds, 6s, 
Tennessee state bonds, 6s, . 
New York city assessm't bonds, 6s, 

" " " floating debt bonds, 6s, 
Brooklyn Public Park loan, 6s, . 

" permanent water loan, 6s, 
New York Co. court house loan, 6s, 

" " assessment fund, 6s, 
Queens Co. bounty bond, 7s, 



Market value. 

$71,300 00 |78,786 50 
30,000 00 34,050 00 
20,000 00 22,800 00 
10,000 00 11,225 00 
55,000 00 62,493 75 
10,000 00 12,200 00 
20,000 00 8,700 00 
15,000 00>! 

500 00 
13,000 00 
10,000 00 \ 45,675 0O 

3,000 00 

1,000 00 

1,000 00 J 



$259,800 00 $275,930 25 



Securities held as collateral for cash loans : — 



500 shares People's Gas" Light Co., . 
People's Gas Light Co.'s reg'd cert., . 
22 shares American Fire Ins. Co., 
Albany and Susq. R. R. 2d mort. bonds*' 
United States bond, 1881, . 
576 shares Grocers' Bank, . 



Market value. Loaned thereon. 



$2,500 00 N 




500 00 


. $4,000 00 


1,800 00 J 




1,010 00 


400 00 


1,175 00 


1,000 00 


23,040 00 


12,000 00 


$30,025 00 


$17,400 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $32,350 00 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in Grocers' Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, .... 
Gross Assets, . 

Liabilities. 

Losses claimed and reported, . 

disputed or resisted, . ... 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over capital, 



449 45 

275,930 25 

17,400 00 

1,414 97 

17,495 09 

510 46 

7,399 69 

2,831 26 

3,268 56 



$1,409 10 

4,500 00 

39,107 30 

541 66 

1,285 17 



$359,049 73 



46,843 23 

. $312,206 50 
. 300,000 00 



$12,206 50 



Income. 

Cash received for fire premiums, . . . $95,781 46 
Deduct re-insurance, rebate and return prem's, 5,601 65 

Net cash received for fire premiums, . . 

Cash received for marine and inland premiums, 

Interest received on bonds and mortgages, .... 

Interest and dividends received from all other sources, . 



,179 81 

7,198 06 

2,264 50 

18,254 66 



Gross Cash Income, $117,897 03 



Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, 

for office, agency and incidental expenses, 



$54,268 35 
22,418 36 
30,000 00 
16,239 57 
17,825 43 
1,953 06 
11,948 36 



Gross Cash Expenditures, . . . . . . . $154,653 13 



* Value of lands mortgaged, $48,000 00 

Value of buildings thereon, 40,000 00 

Total value of property mortgaged, • . $88,000 00 

Amount of insurance held as collateral 38,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



213 



Net amount in force, . . ... 

Marine risks outstanding December 31, 1875, 
Deduct risks expired and terminated, 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 



,656,167 00 
13,783,494 00 

$30,439,661 00 
18,207,506 00 

$12,232,155 00 
434,933 00 



Premiums. 

$112,708 74 
96,138 74 



208,847 48 
129,774 64 



,072 84 
1,698 34 



$11,797,222 00 $77,374 50 



$135,650 00 
135,650 00 



H,364 37 
4,364 37 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization .of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



£2,844,371 00 

1,761,932 00 

440,000 00 

30,000 00 

37,859 07 

127,890 00 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

Adam Van Allen, President. Secretary, Richard V. DeWitt. 

Office at Albany. 
Attorney to accept service, Thomas Mair, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value 

United States reg'd cur. bonds, . 

200 shares First Nat'l Bank, Albany, ' . 



$200,000 00 $244,000 00 
20,000 00 32,000 00 



120 " Nat'l Commercial Bank, Albany, 

80 " Nat'l Albany Exchange Bank, . 

19 " Union Natl Bank, Albany, 

9 " N. Y. State Nat 1 ! Bank, Albany, 



Securities held as collateral for cash loans : — 

120 shares First Nat'l Bank, Albany, 
20 " ^Etna Ins. Co., Hartford, . 
29 " Hartford Ins. Co., Hartford, . 



12,000 00 

8,000 00 

1,900 00 

900 00 



34,375 00 

10,800 00 

2,375 00 

1,440 00 



$242,800 00 $324,990 00 



Market value. Loaned thereon. 

$19,200 00 $15,000 00 
4,650 00 2,000 00 
7,685 00 1,500 00 



11,535 00 $18,500 00 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in First Nat'l Bank, Albany, 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross Assets, 



$15,000 00 

324,990 00 

18,500 00 

1,451 40 

27,182 77 

819 16 

2,928 92 

366 67 



$421,238 92 



Liabilities. 

Losses claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$3,450 00 

1,000 00 

$4,450 00 

800 00 

$3,650 00 

50,768 78 

315 78 



54,734 56 

$366,504 36 
200,000 00 



Surplus over Capital, $166,504 36 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, . .. .< 
Interest and dividends received from all sources, 
Income from all other sources ; viz., rents, 



$97,265 71 
10,093 17 



,172 54 
17,990 26 
2,270 00 



Gross Cash Income, . $107,432 80 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$35,652 52 
1,400 69 



$34,251 83 

32,000 00 

12,193 23 

10,816 70 

4,054 64 

7,895 27 



Gross Cash Expenditures, 



,211 67 



1876.] 



INS. COS. OF OTHER STATES. 



215 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $11,515,031 00 $127,244 72 



written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



10,340,892 00 97,265 71 



$21,855,923 00 $224,510 43 
11,276,556 00 116,900 43 



$10,579,367 00 $107,610 00 
393,439 00 3,867 03 



,185,928 00 $103,742 97 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent.), 

Losses incurred during the year, 

Company's stock owned by- directors, . ' . 



$2,810,737 00 

2,016,098 00 

410,000 00 

32,000 00 

34,338 68 

65,875 00 



COMMERCE FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 12, 1859. Commenced business April 18, 1859.] 

Paid-up Capital, $ 200,000. 

Duncan McDougall, President. Secretary, William E. Hoxie. 

Office, No. 104 Broadway. 
Attorney to accept service, Timothy T. Sawyer, Jr., Boston. 



Detailed Statement of Stocks, Bonds, Etc., 

Par value. 

, $100,000 00 

68,000 00 

3,500 00 



United States reg'd bonds, 6s, 1881, . 
" " reg'd currency bonds, 6s, . 

" 5-20 coupon bonds, 6s, 1865, 



Market value. 

$114,000 00 

82,960 00 

3,823 75 



$171,500 00 $200,783 75 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $36,000 00 

Interest due or accrued thereon, . . . 210 00 

Stocks, bonds, etc., as per schedule, . . . 200,783 75 

Cash deposited in Leather Manuf. Nat'l Bank, 779 98 



* Value of lands mortgaged, . . $60,000 00 

Value of buildings thereon . 65,000 00 

Total value of property mortgaged, $125,000 00 

Amount of insurance held as collateral 20,000 00 



216 FIEE, MAEINE, AND FIRE-MARINE [Dec. 31, 

$2,387 13 



Premiums in course of collection (gross), 
Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, ... 
Unearned premiums on outstanding risks 
Due and accrued for rent, . 
Commissions and brokerage, 
Return premiums, . 

Gross Liabilities, except capital, 



Surplus as regards Policy-holders. 
Paid-up capital, 



Surplus over Capital, 



$1,400 00 

24,221 65 

900 00 

242 64 

20 37 



$240,160 86 



26,784 66 

$213,376 20 
200,000 00 

$13,376 20 



Income. 

Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, . . — 

Cash received for marine and inland prem's, . 
Interest received on bonds and mortgages, 
Interest and dividends received from all sources, . 



,424 51 
3,425 47 



Gross Cash Income, 



$49,999 04 

100 00 

3,321 64 

10,653 75 

,074 43 



Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$32,521 11 

2,000 00 

20,000 00 

4,520 21 

13,870 85 

746 51 

9,560 73 



,219 41 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $6,957,949 00 $57,679 03 
written during 1876, . 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



8,559,767 00 53,174 46 



$15,517,716 00 $110,853 49 
9,247,434 00 62,373 78 



1,270,282 00 $48,479 71 
21,651 00 160 08 



1,248,631 00 $48,319 63 



1876.] 



INS. COS. OF OTHEK STATES. 



217 



Marine risks outstanding 1 Dec. 31, 1875, 
written during 1876, 



Total, . . . . 
Deduct risks expired and terminated, 

In force at end of year, 



$27,500 00 
5,000 00 

$32,500 00 
27,500 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$1,306 66 

100 00 

$1,406 66 

1,306 66 



$5,000 00 $100 00 



$916,236 00 

541,422 00 

284,000 00 

20,000 00 

35,921 00 

63,100 00 



COMMERCIAL FIRE INSURANCE COMPANY, NEW YORK. 

[Incorporated May 15, 1850. Commenced business May 15, 1850.] 

Paid-up Capital, $200,000. 

M. V. B. Fowler, President. Secretary, David Quackinbush. 

Office, No. 157 Broadway. 
Attorney to accept service, Augustus S. Lovett, Boston. 



Detailed Statement of Stocks, 



United States currency bonds, . 

" gold bonds, 1881, 
" " 5-20 bonds, 6s, 1868, 

" 10-40 bonds, 5s, 
Brooklyn corporation bonds, 
Long Island city water bonds, 
Flushing city water bonds, 
Elizabeth city bonds, . 
New York corporation assessment bonds, 



Bonds, Etc. 

Par value. 

$177,000 00 
20,000 00 

3,600 00 
20,000 00 
33,000 00 
10,000 00 
12,000 00 
20,000 00 

1,000 00 



Market value. 

$215,497 50 
22,750 00 

4,095 00 
22,725 00 
37,030 00 
10,000 00 
12,480 00 
20,000 00 

1,100 00 



$296,600 00 $345,677 50 



Securities held as collateral for cash loans : — 

Irving Bank, .... 

Dela., Lacka. and Western R. R., 

Irving Bank, 

Lehigh Valley R. R., . 

United States 5-20 bonds, . 

Tradesmen's Fire Ins. Co , 

Broadway and 7th Ave. R. R., 

Irving Bank, 

Corn Exchange Bank, 



Market value. Loaned thereon. 

$1,250 00 $1,000 00 
3,900 00 
1,250 00 

960 00 
1,1,37 00 ^ 

900 00 / 

800 00 
1,250 00 
5,000 00 



} 



} 



5,000 00 


675 00 


1,500 00 


1,600 00 


700 00 



,447 00 



,475 00 



28 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens) , : 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in Irving Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, . . 



!,950 00 

704 72 

345,677 50 

10,475 00 

20,868 25 

1,562 27 

65,836 66 



$528,074 40 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders, unpaid, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus, as regards Policy-holders, 
Paid-up capital, 



$4,340 49 

7,470 46 

2,000 00 

141,387 11 

50 00 

775 00 

11,306 61 

100 23 



167,429 90 

$360,644 50 
200,000 00 



Surplus over Capital, $160,644 50 

Income. 
Cash received for fire premiums, . . . $336,640 35 
Deduct re-insurance, rebate and return prem's, 20,241 53 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 



Interest and dividends received from all other sources, 
Income from all other sources, 



$316,398 82 
5,821 05 
19,397 69 
966 02 



Gross Cash Income, $342,583 58 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$188,882 30 
1,072 75 



$187,809 55 



Cash dividends paid, 49,950 00 

paid for commissions and brokerage, .... 62,727 14 

for salaries of officers and employes, . . . 19,900 08 

for state and local taxes, 801 65 

for office, agency and incidental expenses, . . 17,809 76 



Gross Cash Expenditures, 



$338,998 18 



* Value of lands mortgaged $95,500 00 

Value of buildings thereon 147,600 00 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$243,100 00 
77,600 00 



1876.] 



INS. COS. OF OTHER STATES. 



219 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$32,773,152 40 $275,739 92 
41,821,698 26 337,430 19 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$74,594,850 66 $613,170 11 
36,029,886 50 336,629 13 



,564,964 16 $276,540 98 
604,817 33 2,571 86 



$37,960,146 83 $273,969 12 



Miscellaneous. 
Premiums received from organization of company, . $2,967,885 39 
Losses paid from organization of company, .... 1,594,224 35 

Cash dividends declared from organization of company, . 690,000 00 
Losses incurred during the year, . . . ... . 177,476 78 

Company's stock owned by directors, 105,850 00 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, CT. 

[Incorporated June, 1850. Commenced business July, 1850.] 
Paid-up Capital, $ 1,000,000. 
M. Bennett, Jr., President. Secretary, Charles R. Burt. 

Office, No. 64 Peart 'Street. 
Attorney to accept service, Horace E. Darling, Boston. 



Detailed Statement 

United States bonds, 6s, 

" 5-20 reg'd bonds, 
" 5-20 bonds, 1867, 

Connecticut state bonds, . 

New Britain city water bonds, 

Hartford city bonds, . 

" " school bonds, 

Columbus, Ohio, city bonds, 

Middletown, Conn., city bonds, 

CC (( (C 

Newark, Ohio, city bonds, 
Toledo BV1 of Education bonds, 
Erie (Penn.) consolidated bonds, 
Cin. and Indianapolis R. R. bonds, 
Mich. Cent'l R. R. bonds, . 
Jackson, L. and S. R. R. bonds, 
Chicago and Iowa R. R. bonds, 
Bur. and Mo. River R. R. bonds, 



of Stocks, Bonds, Etc. 

Par value. Market value. 

$120,000 00 $140,400 00 

22,000 00 25,740 00 

8,000 00 9,360 00 

30,000 00 33,600 00 

15,000 00 16,200 00 

16,000 00 16,800 00 

3,500 00 3,780 00 

25,000 00 26,500 00 

10,000 00 10,300 00 

10,000 00 10,600 00 

9,000 00 9 r 450 00 

10,000 00 11,000 00 

10,000 00 10,300 00 

10,000 00 9,300 00 

20,000 00 20,400 00 

40,000 00 38,000 00 

20,000 00 18,000 00 

10,000 00 10,000 O'O 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



N. Y., N. H. and H. R. R. bonds, 

Tiffin, Ohio, Gas Co. bonds, 

Imp. and Traders' Nat'l Bank stock, N. Y., 

Fulton Nat'l Bank stock, N. Y., 

Farmers and Mech. Nat'l Bank stock, Hartf ' d, 

Nat'l Exchange Bank stock, Hartford, 

Hartford Nat'l Bank stock, Hartford, 

First Nat'l Bank stock, Hartford, 

iEtna Nat'l Bank stock, Hartford, 

Phoenix Nat'l Bank stock, Hartford, . 

Charter Oak Nat'l Bank stock, Hartford, . 

Boston and Albany R. R. stock, 

Pitts., Ft. Wayne and Chicago R. R. stock, 

N. Y., N. H. and H. R. R. stock, 



$40,000 00 

25,000 00 

23,800 00 

6,900 00 

26,800 00 

13,600 00 

30,000 00 

20,000 00 

10,000 00 

15,000 00 

8,300 00 

5,000 00 

10,000 00 

50,000 00 



$43,200 00 
25,750 00 
47,600 00 
10,350 00 
34,840 00 
17,680 00 
48,000 00 
22,000 00 
12,700 00 
24,000 00 
11,205 00 
6,450 00 
10,000 00 
76,000 00 



$672,900 00 $c^9,505 00 



Securities held as collateral for cash loans : — 



United States bonds, 1881, 

Valley R. R. 1st mort. bonds, . 

Milw. and St. P. R. R. 1st mort. bonds, 

Columbus G. L. and Coke Co., . 

Farmers and Mech. Nat'l Bank, 

Pitts., Ft. Wayne and Chicago R. R., 

Union Nat'l Bank, N. Y., . 

N. Y., N. H. and H. R. R., . 

United States bonds, 1867, . 

American Screw Co. stock, Prov., 
(< (« (t 

Morris and Essex R. R. stock, . 

Hartford Trust Co. stock, . 

N. Y., N. H. and H. R. R. stock, 

Middlesex Co. Nat'l Bank stock, 

Hartford Bridge Co. stock, 

The Collins Co. stock, 

Burlington (Iowa) city bonds, . 

Hartford Nat'l Bank stock, 

Orient Ins. Co. stock, 

Frank Eidelmeyer, Ind'apolis, trust deed, 

First mort. bonds, 

United States bonds, 1881, 

Conn. River Banking Co. stock, 

State Bank stock, 

Hartford city G. L. Co. stock, 

Collins Co. stock, 

N. Y. C. and H. R. R. stock, . 

Case, Lockwood and Brainard Co. stock, 

Farmers and Mech. Nat'l Bank stock, 

Nat'l Fire Ins. Co. stock, . 



Market value. 

$31,590 00 
5,950 00 
1,020 00 
4,500 00 
5,200 00 
1,000 00 
5,525 00 
7,000 00 
2,340 00 
7,200 00 
6,000 00 
3,220 00 
2,790 00 
2,430 00 
1,300 00 
2,640 00 

930 00 
2,000 00 
1,920 00 

665 00 



Loaned thereon. 

\ $35,360 00 

500 00 

740 00 
3,700 00 

800 00 
2,460 00 
5,180 00 
2,000 00 
1,200 00 
2,500 00 
2,664 00 

700 00 



} 



} 



2,000 00 

585 00 

1,000 00 

1,250 00 

1,675 00 

590 00 

7,000 00 

7,000 00 

8,300 00 

790 00 



2,072 00 

1,480 00 

562 00 

1,600 00 

1,250 00 

400 00 

1,400 00 

500 00 

640 00 

740 00 

1,480 00 

480 00 

4,960 00 

1,850 00 

3,700 00 

400 00 



1876.] 



INS. COS. OF OTHER STATES. 



221 



JEtna Nat'l Bank stock, 

First Nat'l Bank stock, Suffield, 

United States 5-20 bonds, 1865, . 

Conn. Trust and S. D. Co. stock, 

City Nat'l Bank stock, 

Willimantic Linen Co. stock, 

N. Y., N. H. and H. R. R. stock, 
it tt " 

Hartford Carpet Co. stock, 

N. Y., N. H. and H. R. R. stock, 

Hartf. and N. Y. Steamboat Co. pref'd stock, 

Indianapolis and Cin. R. R. bonds, 

West Middle School bonds, Hartf., 

Hartf., Prov. and Fishkill R. R. bonds 

Indiana Central Railroad bonds, 

N. Y., N. H. and H. R. R. stock, 

Conn. Valley R. R. bonds, 

Hartford City G. L. stock, 

N. Y., N. H. and H. R. R. stock, 

Hartford Trust Co. stock, . 

N. Y., N. H. and H. R. R. stock, 

U l< It 

Phoenix Nat'l Bank stock, 
Conn. River Banking Co. stock, 



$635 00 


$400 00 


2,000 00 


1,840 00 


2,200 00 


1,850 00 


1,980 00^ 
558 00/ 


1,850 00 


1,700 00 


1,110 00 


1,500 00 


1,200 00 


3,000 00 


2,640 00 


7,350 00 


4,100 00 


3,000 00 


740 00 


3,100 00 


1,480 00 


1,860 00 


740 00 


1,080 00 >| 




2,120 00 I 


3,000 00 


1,000 00 J 




7,500 00 


3,800 00 


1,500 00 


800 00 


1,760 00^ 
1,800 00/ 


3,200 00 


6,300 00 


4,736 00 


7,500 00 


6,500 00 


17,250 00 a 




8,000 00 I 


16,500 00 


2,300 00 J 





$212,403 00 $137,804 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $92,500 00 

809,505 00 

137,804 00 

2,438 77 

290,134 16 

30,461 90 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 

Premiums in course of collection (net), . 

Gross Assets, 



$1,362,843 83 



Liabilities 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$15,475 00 

5,000 00 

158,394 87 



- 178,869 87 

$1,183,973 96 
. 1,000,000 00 

. $183,973 96 



* Value of lands mortgaged $158,300 00 

Value of buildings thereon, 106,700 00 



Total value of property mortgaged $265,000 00 

Amount of insurance held as collateral, 104,800 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $303,561 53 
Deduct re-insurance, rebate and return prem 1 s, 35,680 77 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, . 
Received for increased capital, . $500,000 00 



$267,880 76 
55,801 66 



Gross Cash Income, $323,682 42 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$139,278 41 
6,953 65 



$132,324 76 

190,000 00 

41,950 90 

16,750 00 

7,622 90 

15,627 11 



Gross Cash Expenditures, $404,275 67 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $27,067,100 00 $333,030 47 
written during 1876, . . . 25,791,500 00 296,445 51 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$52,858,600 00 $629,475 98 
26,609,100 00 318,775 92 



$26,249,500 00 $310,700 06 
. 944,100 00 10,708 18 



$25,305,400 00 $299,991 88 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (19 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$1,683,064 98 
774,180 20 
355,000 00 
190,000 00 
135,949 43 
250,400 00 



1876.] 



INS. COS. OF OTHER STATES. 



223 



CONTINENTAL INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

George T. Hope, President. Secretary, Cyrus Peck. 

Office, Nos. 100 and 102 Broadway. 

Attorney to accept service, Albert Bowker, Boston. 



Detailed Statement of Stocks, 

250 shares American Exchange Nat'l Bank, 
5 
20 
35 
1140 
500 
250 
250 
100 
1250 
175 
200 
200 
20 
1000 



Bank of America, . 

Bank of Commerce, 

Dry Goods Bank, . 

Mechanics 1 Nat'l Bank, . 

Merchants 1 Nat'l Bank, . 

Mercantile Nat'l Bank, . 

Metropolitan Nat'l Bank, 

Nassau Bank, 

Phenix Nat'l Bank, 

St. Nicholas Nat'l Bank, 

Central Trust Co., . 

Del. and Hudson Canal Co., 

N. Y. Guaranty and Indemnity Co 

N. Y. and Harlem R. R. Co., 
Alabama state bonds, 
South Carolina state bonds, 6s, . 
Tennessee state bonds, 6s (old), 

6s, . 
United States reg'd bonds, 6s, '81, 
" " currency bonds, 6s, 



Bonds, Etc. 

Par value. 

$25,000 00 

500 00 

2,000 00 

3,500 00 

28,500 00 

25,000 00 

25,000 00 

25,000 00 

10,000 00 

25,000 00 

17,500 00 

20,000 00 

20,000 00 

2,000 00 

50,000 00 

10,000 00 

11,500 00 

20,000 00 

6,000 00 

100,000 00 

400,000 00 



Market value. 

$26,250 00 

675 00 

2,200 00 

2,625 00 

39,900 00 

29,250 00 

26,250 00 

31,750 00 

10,000 00 

22,500 00 

17,500 00 

21,600 00 

14,000 00 

1,200 00 

70,000 00 

3,000 00 

5,750 00 

8,600 00 

2,580 00 

114,000 00 

488,000 00 



826,500 00 $937,630 00 



Securities held as collateral for cash loans : — 



16 shares Hanover Nat'l Bank, 



50 

50 

25 

10 

191 

30 

50 

1000 

50 

100 

140 

41 
10 



Metropolitan Nat'l Bank, 
Central Nat'l Bank, 
Fult'on Bank, Brooklyn, 
Ridgevvood Ins. Co., 
U. S. Life Ins. Co., 
Nassau Bank, 

Panama R. P. Co., . 

N. Y. Central and H. R. R. R 



42d St. and Grand St. Ferry R. R 

Co., 

Manhattan G. L. Co., 
United States Trust Co., 



Market value. 

$1,360 00 
6,350 00 
3,750 00 
1,406 25 
1,100 00 

16,712 50 

3,000 00 

5,000 00 

126,000 00 

5,000 00 

10,000 00 

17,500 00 
4,920 00 
3,500 00 



Loaned thereon. 

$800 00 



1 
i 

} 10,000 00 



9,000 00 

2,700 00 

4,500 00 

100,000 00 

4,000 00 

5,000 00 

18,000 00 

1,600 00 



224 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



225 shares Brooklyn city R. R. Co., 



5 

10 

310 

150 

30 



Amity Ins. Co., 

Home Life Ins. Co., Brooklyn, 

Phenix Natl Bank, 

St. Nicholas Nat'l Bank, 

Mechanics' Bank, Brooklyn, . 



$4,050 00 

400 00 

1,500 00 

5,580 00 

15,000 00 
2,400 00 



} 



$2,000 00 
1,050 00 

5,000 00 

13,000 00 

1,200 00 



$234,528 75 $177,850 00 



Summary of Assets, December 31, 1876.* 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) ,f 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross Assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest clue or accrued on scrip, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross Liabilities, except capital and scrip, 

Surplus as regards Policy-holders, 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 

Surplus over Capital and Scrip, . 



$669,000 00 

657,000 00 

17,540 26 

937,630 00 

177,850 00 

3,148 28 

379,390 03 

5,964 98 

179,061 52 

13,500 00 



$71,199 31 

102,630 40 

18,755 48 

$192,585 19 
85 61 

$192,499 58 

930,107 84 

23,891 00 

12,547 00 

1,005 45 

36,019 07 



-$$3,040,085 07 



1,196,069 94 



$1,844,015 13 



$1,000,000 00 
58,725 00 



1,058,725 00 
$785,290 13 



* The company holds, also, instalment premium notes to the amount of $1,092,178.96, 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned; whatever value might be attached to them would necessarily be counterbal- 
anced by the addition of an exactly equal amount to the re-insurance liability, the entire sum 
consisting of " unearned premiums." 

t Value of lands mortgaged $963,825 00 

Value of buildings thereon, 988,250 00 

Total value of property mortgaged $1,952,075 00 

Amount of insurance held as collateral 606,650 00 

X Including $335,750 special reserve fund, held under New York law. 



1876.] 



INS. COS. OF OTHER STATES. 



225 



Income. 

Cash received for fire premiums, . . $1,568,515 87 
Deduct re-insurance, rebate and return prem's, 165,705 92 

Net cash received for fire premiums, . . $1,402,809 95 

Interest received on bonds and mortgages, .... 41,362 65 
and dividends received from all other sources, . . 72,754 36 
Income from all other sources ; viz., rents, $42,479.55 ; 

premium on gold, $512.43, 42,991 98 

Gross Cash Income, $1,559,918 94 



Expenditures. 

Cash paid for fire losses," $670,450 43 

Deduct salvage and re-insurance, . . . 5,558 52 

Net cash paid for fire losses, 

Cash dividends paid, . 

Interest paid scripholders, . 

Cash paid for redemption of scrip, 

for commission and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



$664,891 91 
113,714 33 



} 



1,339 94 

247,438 08 

168,637 88 

37,006 63 

120,682 64 

.,353,711 41 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $195,168,042 00 $1,582,818 12 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



199,814,449 00 1,426,301 76 



$394,982,491 00 $3,009,119 88 
183,873,058 00 1,370,203 13 



$211,109,433 00 $1,638,916 75 
3,892,813 00 23,491 81 



$207,216,620 00 $1,615,424 94 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 

Losses incurred during the year, 

Company's stock owned by directors, .... 
29 



$16,045,975 76 

8,747,190 88 

2,755,497 36 

114,500 00 

688,557 06 

320,400 00 



226' FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



DELAWARE MUTUAL SAFETY INSURANCE COMPANY, PHILA- 
DELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business August 6, 1835.1 

Paid-up Capital, $360,000. 

Thomas C. Hand, President. Secretary, Henry Lylburn. 

Office at Philadelphia. 
Attorney to accept service, W. V. Hutchings, Boston. 



Detailed Statement op Stocks, 



Pennsylvania state bonds, 6s, 

Philadelphia city bonds, 6s, 

New Jersey state bonds, 6s, 

Pittsburgh city bonds, 7s, . 

Boston city bonds, 6s, 

St. Louis city gold bonds, 6s, 

Cincinnati city water bonds, 7s, 

Penna. R. R. 1st mort. bonds, 6s, 

Western Penna. R. R. mort. bonds, 6s, guar'd, 

Tennessee state bonds, 6s, . 

380 shares Penna, R. R. Co., 

121 " North Penna. R. R. Co., 

American S. S. Co. bonds, 6s, guar'd 

Wm. Cramp and Sons 1 Dry Dock mort. bonds, 7s, 

Stock and scrip of sundry corporations, . 



Bonds, Etc. 

Par value. 

$184,000 00 

325,000 00 

250,000 00 

100,000 00 

100,000 00 

50,000 00 

50,000 00 

20,000 00 

25,000 00 

44,000 00 

19,000 00 

6,050 00 

40,000 00 

29,000 00 

21,213 00 



Market value. 

$206,325 00 

366,800 00 

280,190 00 

107,000 00 

113,000 00 

54,000 00 

55,000 00 

21,400 00 

20,000 00 

19,800 00 

18,430 00 

5,808 00 

32,800 00 

29,000 00 

7,874 00 



$1,263,263 00 $1,337,427 00 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



1,875 shares Penna. and N. Y. Canal and R. R. 
Company, 



. $187,500 00 $150,000 00 



Summary of Assets, October 31, 1876. 

Cash value of unencumbered real estate, . $120,000 00 

Loans on mortgage of real estate (first liens),* 247,950 00 

Interest due or accrued thereon, . . . 3,02100 

Stocks, bonds, etc., as per schedule, . . . 1,337,427 00 

Loans on collateral security, as per schedule, . 150,000 00 

Cash in the office of the company, . . . 243 03 

deposited in various banks, . . . 252,085 53 

Interest due and accrued, 2,000 00 

Premiums in course of collection (net), . . 44,320 22 



* Value of lands mortgaged $255,700 00 

Value of .buildings thereon 219,800 00 

Total value of property mortgaged, $475,500 00 

Amount of insurance held as collateral, 172,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



227 



Notes taken for marine and inland risks, . 

Re-insurance, etc., ..... 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, . ; 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 

Gross Liabilities, except capital and scrip, 



$217,174 93 
275 00 



-$2,374,496 71 



$5,823 00 

75,236 00 

307,428 79 

78,337 72 

3,725 00 

5,025 20 

1,100 00 
1,800 00 



478,475 71 



Surplus as regards Policy-holders, .... $1,896,02100 

Paid-up capital, # f 360,000 00 

Scrip outstanding, not ordered to be redeemed, 1,099,720 00 



Surplus over Capital and Scrip, . 



1,459,720 00 
$436,301 00 



Income. 
Cash received for fire premiums, . . . $163,710 26 
Deduct re-insurance, rebate and return prem's, 8,090 00 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $540,292 51 
Deduct re-insurance, rebate and return prem's, 63,003 38 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $217,174 93 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Deposits received for perpetual fire risks, . $1,788 48 



Gross Cash Income, 



$155,620 26 

477,289 13 

15,248 34 
89,898 97 

$738,056 70 



% Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, , 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for redemption of scrip, . 

for commissions and brokerage, 
for salaries of officers and employes, 



$46,371 88 
620 01 

$289,173 52 
13,300 .12 



$45,751 87 



275,873 40 

105,098 80 

184,080 00 

* 7,650 00 

60,986 03 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for state and local taxes, . 

for rent and incidental expenses, 
Deposits returned on perpetual fire risks, . 



$411 98 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding October 31, 1875, 
written during the year, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force Oct. 31, 1876, 



$26,003,208 00 
20,927,272 00 

$46,930,480 00 
21,916,693 00 

$25,013,787 00 
152,000 00 



$12,198 14 
21,694 38 

$713,332 62 



Premiums. 

$306,594 73 
163,710 26 

$470,304 99 
182,176 71 

$288,128 28 
1,175 00 



$24,861,787 00 $286,953 28 



Marine risks outstanding October 31, 1875, $11,745,559 00 
written during the year, . 43,664,354 00 



$219,098 10 
537,131 50 



Total, 

Deduct risks expired and terminated, 

In force Oct. 31, 1876, 

Miscellaneous. 

Losses incurred during the year, 
Company's stock owned by directors, 



$55,409,913 00 
44,786,087 00 



f756,229 60 
554,793 51 



$10,623,826 00 $201,436 09 



$355,671 27 
42,125 00 



ENTERPRISE FIRE AND MARINE INSURANCE COMPANY, 

CINCINNATI, OHIO. 

[Incorporated December, 1865. Commenced business December, 1865.] 

Paid-up Capital, $300,000. 

John W. Hartwell, President Secretary, J. W. McCord. 

Office, No. 82 West Third Street. 

Attorney to accept service, W. B. Sears, Brookline. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 5-20 bonds, . 
" " 10-40 bonds, 

Alabama state bonds, 
Cm., Hamilton and Dayton R. R. stock, 
Gin, Underwriters 1 Wrecking Co. stock, 



Par value. 

$60,000 00 

50,000 00 

10,000 00 

15,000 00 

2,000 00 



Market value. 

$66,600 00 

57,125 00 

4,000 00 

5,250 00 

2,000 00 



$137,000 00 $134,975 00 



1876.] 



INS. COS. OF OTHER STATES. 



229 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in Commercial Bank of Cinn. 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, $5,000 ; rents due and 

accrued, $823.66, 

Gross Assets, 



$157,927 81 

57,933 68 

3,048 20 

134,975 00 

2,327 52 

35,667 91 

716 66 

15,675 74 

21,330 20 

5,823 66 



$435,426 38 



Liabilities 

Losses adjusted, unpaid, . . 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$852 27 

8,411 00 

12,000 00 

67,301 94 

833 33 

2,666 94 

212 46 



92,277 94 

$343,148 44 
300,000 00 

$43,148 44 



Income. 

Cash received for fire premiums, . . . $80,716 83 
Deduct re-insurance, rebate and return prem's, 4,051 15 

Net cash received for fire premiums, . . $76,665 68 

Cash received for marine and inland prem's, . $55,927 86 
Deduct re-insurance, rebate and return prem's, 1,649 68 

Net cash received for marine and inl'd prem's, 54,278 18 

Unpaid premium notes received during the 

year, $34,986 40 

Interest received on bonds and mortgages, .... 14,518 95 
Interest and dividends received from all other sources, . . 2,449 89 
Income from rents, 13,361 90 

Gross Cash Income, . . ..... $161,27460 

* Value of lands mortgaged, $117,500 00 

Value of buildings thereon, 55,500 00 

Total value of property mortgaged, $173,000 00 

Amount of insurance held as collateral 9,500 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Expenditures. 

Cash paid for fire losses, 

for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



27,051 45 
474 38 



for office, agency and incidental expenses, 
for ground rent, 



$32,082 73 



26,577 07 

36,000 00 

11,038 11 

13,840 00 

5,768 33 

8,566 26 

7,000 00 



Gross Cash Expenditures, $140,872 50 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 



$7,812,018 99 
6,803,385 50 



$14,615,404 49 
7,837,746 69 



1,777,657 80 
62,900 00 



Premiums. 

$92,844 91 
82,782 25 

$175,627 16 
82,774 47 

$92,852 69 
923 37 



$6,714,757 80 $91,929 32 



Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$405,558 00 
1,783,744 68 



$2,189,302 68 
1,813,845 02 



$375,457 66 
20,372 50 



$36,983 80 
59,772 66 



3,756 46 
56,943 54 



,812 92 
584 40 



$355,085 16 $39,228 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$3,331,131 42 

2,171,788 35 

138,000 00 

36,000 00 

60,662 52 

99,860 00 



1876.] 



INS. COS. OF OTHER STATES. 



231 



EQUITABLE FIRE INSURANCE COMPANY, NASHVILLE, TENN. 

[Incorporated December 17, 1869. Commenced business July 1, 1871.] 

Paid-up Capital, $220,000. 

W. W. Berry, President. Secretary, J. D. Anderson. 

Office at Nashville. 
Attorney to accept service, W. B. Sears, Brookline. 



Detailed Statement of Stocks, 



United States bonds, 6s, 

" " " 5s, . 

Nashville city bonds, 6s, . 
Bedford county bonds, 10s, 
Tennessee Manuf. Co. bonds, 10s, 
Davidson county bonds, 6s, 
Haywood county bonds, 8s, 
Alabama state bonds, 
Jackson city bonds, 10s, 
Edgefield city bonds, 10s, . 
Cumberland Iron Works bonds, 10s, 
Bullock county (Ala.) bonds, 8s, 
Nash., Chatta. and St. Louis R. R. bonds, 7s, 



Bonds, Etc. 

Par value. 

$85,000 00 

15,000 00 

28,400 00 

12,000 00 

20,000 00 

18,000 00 

22,000 00 

10,000 00 

5,120 00 

8,000 00 

10,000 00 

250 00 

33,000 00 



Market value. 

$96,050 00 

16,800 00 

23,645 00 

12,000 00 

20,000 00 

18,000 00 

22,000 00 

3,300 00 

5,120 00 

8,000 00 

6,000 00 

250 00 

28,050 00 



$266,770 00 $259,215 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Gross Assets, .... 



§519 43 

72 72 

259,215 00 

2,292 65 

15,826 33 

9,632 72 

27,165 27 



$314,724 12 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance and salvage claims, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$5,893 12 

6,030 00 

10,000 00 

$21,923 12 
6,363 00 

$15,560 12 
67,229 01 



* Value of lands mortgaged, $3,500 00 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

$5,433 05 



State and local taxes, 

Gross Liabilities, except capital 



,222 18 



Surplus as regards Policy-holders, $226,501 94 

Paid-up capital, 220,000 00 



Surplus over Capital, 



6,501 94 



Income. 

Cash received for fire premiums, . . . $147,359 25 
Deduct re-insurance, rebate and return prem's, 16,766 34 

Net cash received for fire premiums, . . $130,592 91 

Interest received on bonds and mortgages, .... 109 30 

Interest and dividends received from all other sources, . . 15,618 39 



Gross Cash Income, $146,320 60 

Expenditures. 

Cash paid for fire losses, $76,089 59 

Deduct salvage and re-insurance, . . . 1,250 00 

Net cash paid for fire losses, .... $74,839 59 

Cash paid for commissions and brokerage, .... 19,210 12 

for salaries of officers and employes, . . . 9,761 73 

for state and local taxes, 15,150 95 

for office, agency and incidental expenses, . . 14,946 26 

Gross Cash Expenditures, $133,908 65 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $8,106,542 00 $133,472 86 
written during 1876, . . . 9,673,235 00 147,104 97 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$17,779,777 00 $280,577 83 
9,907,807 00 131,003 21 



',871,970 00 $149,574 62 
200,781 00 3,333 60 



',671,189 00 $146,241 02 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Losses incurred during the year, . . . . 
Company's stock owned by directors, .... 



$589,287 89 

278,965 88 

58,397 08 

71,762 71 

35,090 00 



1876."} 



INS. COS. OF OTHER STATES. 



233 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY, PROV- 
IDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $200,000. 

Fred. W. Arnold, President. Secretary, Jas. E. Tillinghast. 

Office, No. 1 Custom House Street. 

Attorney to accept service, Hammond Yinton, Boston. 



Detailed Statement of Stocks, 



500 shares Old Nat'l Bank, 
300 " Nat'l Bank of Commerce, 
200 " American Nat'l Bank, 
30 " Third Nat'l Bank, . . 
100 " Butchers and Drovers' Bank, 
100 " Manufacturers' Nat'l Bank, 
100 " Union Bank, . 
100 " Fourth Nat'l Bank, . 
100 " First Nat'l Bank, Warren, R. I 
Elizabeth city bonds, 7s, . 
Union Pacific R. R. 1st mort. bonds, . 



Securities held as collateral for cash loans 
48 shares Old Nat'l Bank, .... 



Bonds, Etc. 

Par value. 

$50,000 00 

15,000 00 

10,000 00 

3,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

25,000 00 

20,000 00 



Market value. 

$57,000 00 

14,700 00 

10,300 00 

3,750 00 

3,000 00 

12,200 00 

4,800 00 

12,500 00 

10,000 00 

25,000 00 

21,200 00 



$163,000 00 $174,450 00 



Market value. Loaned tbereon. 

$5,472 00 |5,232 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $120,000 00 

Loans on mortgage of real estate (first liens),* 15,000 00 

Stocks, bonds, etc., as per schedule, . . . 174,450 00 

Loans on collateral security, as per schedule, . 5,232 00 

Cash in the office of the company, . . . 110 14 

deposited in Old Nat'l Bank, Prov., . . 12,911' 72 

Premiums in course of collection (gross), . 11,711 75 
Bills receivable, $150; assignees' claim, $3,- 

333.34 ; rents due and accrued, $2,010, . . 5,493 34 

Gross Assets, 



$344,908 95 



Liabilities. 

Losses claimed and reported, .... $8,068 00 
Unearned premiums on outstanding risks, . 60,375 00 



* Value of lands mortgaged, $10,000 00 

Value of buildings thereon 15,000 00 

Total value of property mortgaged $25,000 00 

Amount of insurance held as collateral 8,000 00 

30 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, ..... 



Surplus over Capital, 



$240 00 
700 00 
500 00 

2,000 00 



$71,883 00 



278,025 95 
200,000 00 

$73,025 95 



Income. 

Cash received for fire premiums, . . . $114,538 92 
Deduct re-insurance, rebate and return prem's, 12,599 65 

Net cash received for fire premiums, . . $101,939 27 

Cash received for marine and inland premiums, $11,862 33 
Deduct re-insurance, rebate and return prem's, 107 70 

Net cash received for marine and inl'd prem's, 11,754 63 

Interest received on bonds and mortgages, .... 1,050 00 
Interest and dividends received from all other sources, . . 11,948 79 

Income from rents, 7,775 00 

Income from all other sources, . 11 70 

Gross Cash Income, . . . ..... $134,479 39 



$40,990 05 
73 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, 

dividends paid, 

paid for commissions and brokerage, .... 

salaries, office, agenc} 7- and incidental expenses, . 
for state and local taxes, . . .... 

for all other items ; viz., building expenses, $2,- 
978.23 ; insurance, 



$40,989 32 
12,073 36 
24,916 40 
17,557 73 
17,077 03 
5,063 20 

3,013 23 



Gross Cash Expenditures, $120,690 27 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . . 



Premiums. 

19,396,862 05 $138,358 20 
9,004,989 25 114,538 92 



$18,401,851 30 $252,897 12 
9,778,966 00 133,559 57 



5,622,885 30 
89,209 50 



19,337 55 
1,207 38 



5,533,675 80 $118,130 17 



1876.] 



INS. COS. OF OTHER STATES. 



235 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, .... 



),727 45 
1,450,516 96 



$1,324 97 
11,862 33 



51,536,244 41 $13,187 30 
1,465,956 21 12,049 23 



$70,288 20 
3,708 00 



$1,138 07 
37 08 



,580 20 $1,100 99 



Miscellaneous. 
Premiums received from organization of company, . $1,303,165 11 
Losses paid from organization of company, .... 1,033,058 87 
Cash dividends declared from organization of company, . 228,000 00 
Dividends declared during the year (12 per cent.), . . 24,000 00 

Losses incurred during the year, 49,855 92 

Company's stock owned by directors, . . . . . 40,580 00 



EXCHANGE FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 9, 1853. Commenced business May, 1853.] 

Paid-up Capital, $200,010. 

Richard C. Combes, President. Secretary, Geo. W. Montgomery. 

Office, No. 1 72 Broadway. 
Attorney to accept service, H. V. Freeman, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States coupon bonds, 1867, . . . $100,000 00 $113,000 00 
" registered bonds, 1881, . . 40 000 00 45,200 00 



$140,000 00 $158,200 00 



Securities held as collateral for cash loans : — 



United States 5-20 bonds, . 

(t M (t U 

Butchers and Drovers' Bank stock, 
Bowery Natl Bank stock, . 
East River Nat'l Bank stock, 
Citizens' Bank stock, . 
Oriental Bank stock, . 
Rutgers Fire Ins. Co. stock, 
N. Y. Equitable Fire Ins. Co. stock, 
Erie R. R. 4th mort. bonds, 
Brooklyn water loan bonds, 



Market value. Loaned thereon. 







$650 00 


$500 00 






1,300 00^ 








1,550 00 1 
825 00 j" 
380 00 J 


4,000 00 












1,875 00^| 








800 00 1 
3,600 00 j" 
2,100 00 j 


5,000 00 












6,000 00 


5,000 00 






1,000 00 


600 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Brewers and Maltsters 1 Fire Ins. Co. stock, 

iEtna Fire Ins Co. stock, . 

Irving Fire Ins. Co. stock, . 

Manhattan Life Ins. Co. stock, 

Atlantic Ave. R. R. bonds, 

BulPs Head Bank stock, 

Rutgers Fire Ins. Co. stock, 

St. Nicholas Fire Ins. Co. stock, 

Knickerbocker Ice Co. bonds, 

Continental Nat 1 ! Bank stock, 

Home Ins. Co. stock, . 

Metropolitan Natl Bank stock, 

Knickerbocker Ice Co. stock, 

Sterling Fire Ins. Co. stock, 

Illinois Central R. R. stock, 

Manhattan Fire Ins. Co. stock, 

Empire Transportation Co. stock, 

American Exch. Bank stock, 

Natl Bank of Commerce stock, 

Chicago and Alton R. R. stock, 

N Y. Equitable Fire Ins. Co. stock, 

Wells & Fargo Express Co. stock, 

Illinois Central R. R. stock, 

Wells & Fargo Express Co. stock, 

Harlem Gas Light Co. stock, 



$450 00 


$250 00 


500 00 \ 
1,050 00/ 


1,250 00 


7,500 00 


2,000 00 


850 00 


600 00 


300 00 


100 00 


2,700 00 


1,500 00 


775 00 


500 00 


8,000 00 


4,000 00 


1,050 00 


600 00 


550 00^ 
375 00/ 


700 00 


1,760 00 


1,500 00 


530 00 


400 00 


3,275 00 


3,000 00 


1,875 00^ 
250 00/ 


1,500 00 


1,050 00 \ 
540 00/ 


1,150 00 


2,500 00 


2,100 00 


1,662 50^ 
2,250 00/ 


2,700 00 


3,275 00 \ 
2,250 00/ 


2,400 00 


3,100 00 


2,000 00 


$68,497 50 t 


143,350 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, 
Premiums more than 3 mos. due, . $2,873 58 
Gross Assets, 



st liens),* $150,450 00 
3,624 21 



158,200 00 

43,350 00 

3,898 66 

23,744 70 

769 03 

13,698 27 

812 50 



$398,547 37 



Liabilities. 



Losses claimed and reported, 
disputed or resisted, 



$1,000 00 
2,000 00 



* Value of lands mortgaged, $154,500 00 

Value of buildings thereon, 200,000 00 

Total value of property mortgaged $354,500 00 

Amount of insurance held as collateral, . . . . . . . . . 149,050 00 



1876.] 



INS. COS. OF OTHER STATES. 



237 



Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 
Return premiums, etc., .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$58,368 52 




306 00 




1,333 34 




923 01 




1,147 58 






$65,078 45 




... 


$333,468 92 




200,010 00 



Surplus over Capital, $133,458 92 

Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem'3, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from all other sources; viz., rents, 

Gross Cash Income, .... 

Expenditures. 

Cash paid for fire losses, $79,404 89 

dividends paid, 40,002 00 

paid for commissions and brokerage, .... 19,233 61 

for salaries of officers and employes, . . . 24,300 00 

for state and local taxes, 3,698 82 

for office, agency and incidental expenses, . . 14,917 02 



$154,719 68 




12,169 


37 


$142,550 31 






$985 


50 




106 


50 


879 00 
10,364 68 


. . 


. 


urces, . 


. 


13,917 99 


• 


• 


3,520 83 


, , 


$171,232 81 



Gross Cash Expenditures, $181,556 34 



Risks and Premiums. 



Eire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, . 

Total, ..... 
Deduct risks expired and terminated, 

In force at end of year, 



$18,464,399 00 
21,948,550 00 



,412,949 00 
23,105,724 00 



$17,307,225 00 
92,875 00 



Premiums. 

$137,745 22 

143,672 90 

$281,418 12 

150,308 24 

$131,109 88 

579 82 



$17,214,350 00 $130,530 06 



$9,000 00 
41,800 00 

$50,800 00 
41,000 00 

$9,800 00 



$360 00 
881 50 

11,241 50 
1,044 50 



$197 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$2,221,589 19 

1,329,968 99 

192,606 00 

40,002 00 

60,053 59 

110,820 00 



FAIRFIELD FIRE INSURANCE COMPANY, SOUTH NORWALK, 

CONN. 

[Incorporated July, 1869. Commenced business May, 1870.] 

Paid-up Capital, $200,000. 

Wlnfield S. Hanford, President. Secretary, Henry R. Turner. 

Office, South Norwalk. 
Attorney to accept service, W. B. Sears, Brookline. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States 5-20 bonds, 1865, .... $10,000 00 
Fairfield county coupon bonds, 7s, . . . 10,000 00 
Norwalk town coupon bonds, 6s, . . . 3,000 00 
St. Joseph city coupon bonds, 10s, . . .* 6,000 00 
Sumner (111.) town coupon bonds, 8s, . . 4,000 00 
Litchfield (111.) city coupon bonds, 8s, . . 2,000 00 
Crawford county (111.) coupon bonds, 10s, . 2,000 00 
Portland (Ind.) town coupon bonds, 8s, . . 3,000 00 
Vincennes (Ind.) city coupon bonds, 6s, . . 5,000 00 

South Norwalk city loan, 

Personal loan secured, 



Market value. 

$11,337 50 
10,500 00 
3,000 00 
6,000 00 
3,600 00 
1,800 00 
2,000 00 
2,850 00 
3,750 00 
4,070 51 
1,522 22 



Securities held as collateral for cash loans : — 

Market value, 

10 shares First Nat'l Bank, South Norwalk, . f 1,100 00 

48 " Norwalk Lock Co., . . . . 1,200 00 

100 " Brooklyn City Railroad, . . . 6,000 00 

24 " Norwalk Steam F. Co., . . . 180 00 

Park Avenue Railroad Co. bonds, 7s, . . 2,000 00 

15 shares Relief Fire Ins. Co., N. Y., . . 675 00 

5 " Resolute Fire Ins. Co., N. Y., . . 400 00. 

50 " Manuf. & Merchants' Bank, . .. 2,000 00 

Cameron Coal Co. gold bonds, 6s, . . . 1,800 00 
Paid-up policy Mut. Life Ins. Co., N. Y., . 

New Orleans city bonds, 6s, . . 1,400 00 

256 shares Norwalk Lock Co., . . . . 6,400 00 



50,430 23 

Loaned thereon. 

$1,000 00 

950 00 

2,000 00 

100 00 

I 2,000 00 

} 3,692 28 

1,800 00 
1,000 00 
4,000 00 

,542 28 



1876.] 



INS. COS. OF OTHER STATES. 



239 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 


. $38,907 79 




Loans on mortgage of real estate (first liens^ 


),* 144,800 00 




Interest due or accrued thereon, 


7,941 73 




Stocks, bonds, etc., as per schedule, . 


50,430 23 




Loans on collateral security, as per schedule 


16,542 28 




Cash in the office of the company, . 


8,028 51 




deposited in various banks, 


15,090 69 




Interest due and accrued, .... 


2,428 83 




Premiums in course of collection (gross), 


20,310 84 




Rents due and accrued, .... 


833 60 




Gross Assets, 

Liabilities. 




$305,314 50 




Losses adjusted, unpaid, .... 


$3,550 61 




claimed and reported, . 


1,625 00 




disputed or resisted, 


1,450 00 




Total amount of losses, .... 


$6,625 61 




Less re-insurance, ..... 


450 00 




Net amount of unpaid losses, 


$6,175 61 




Unearned premiums on outstanding risks, 


53,003 40 




Dividends to stockholders unpaid, 


1,181 75 




Due and accrued for rent, salaries, etc., . 


250 00 




Due for borrowed money, .... 


7,500 00 




Commissions and brokerage, 


2,279 94 




Gross Liabilities, except capital, 




70,390 70 




Surplus as regards Policy-holders, 


.... 


$234,923 80 






200,000 00 




$34,923 80 



Income. 

Cash received for fire premiums, . . . $148,867 86 
Deduct re-insurance, rebate and return prem's, 21,008 62 

Net cash received for fire premiums, . . $127,859 24 

Interest received on bonds and mortgages, .... 8,202 33 
Interest and dividends received from all other sources, . . 4,615 01 
Income from all other sources ; viz., rents, $900 ; commis- 
sions, $1,174.90, 2,074 90 

Gross Cash Income, $142,751 48 

* Value of lands mortgaged, $139,000 00 

Value of buildings thereon, 145,250 00 

Total value of property mortgaged $284,25000 

Amount of insurance held as collateral, 103,100 00 



240 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$107,032 84 
8,267 39 



Gross Cash Expenditures, 



,765 45 
20,000 00 
20,148 02 
11,964 19 
3,863 34 
13,956 86 

$168,697 86 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



Premiums. 

$8,927,647 00 $128,150 24 
12,781,174 00 148,867 86 



$21,708,821 00 $277,018 10 
12,483,452 00 169,038 32 



>,225,369 00 $107,979 78 
447,128 00 * 6,672 87 



5,778,241 00 $101,306 91 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$858,950 39 

530,682 92 

108,000 00 

20,000 00 

84,746 62 

91,300 00 



FARRAGUT FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated January 29, 1872. Commenced business January 30, 1872.] 

Paid-up Capital, $200,000. 

John M. Furman, President. Secretary, Samuel Darbee. 

Office, No. 346 Broadway. 

Attorney to accept service, William R. Horton, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 reg'd bonds, . . . $135,000 00 $153,056 25 

5-20 " " ... 50,000 00 55,125 00 

100 shares Fourth Nat'l Bank, . . . . 10,000 00 10,000 00 



$195,000 00 $218,181 25 



1876.] 



INS. COS. OF OTHER STATES. 



241 



Securities held as collateral for cash loans : — 



10 shares Fourth Natl Bank, . 

15 " Enterprise Ins. Co. (Cinn.), 
500 " Manufacturers' Nat'l Bank, 

10 " Guardian Fire Ins. Co., . 
175 " Broadway R. R. Co., 

75 " Brooklyn Ferry Co., 
200 " Fourth Natl Bank, . 

54 " Manufacturers' Nat'l Bank, 
200 " Fourth Natl Bank, 

40 " Guaranty Fire Ins. Co., . 

40 " Broadway R. R. Co., 
1200 " People's Gas Light Co., . 
People's Gas Light Co. bonds, . 
100 shares American Express Co., . 

60 " Adams Express Co., 



Market value. 

$1,000 00 

300 00 

13,500 00 

900 00 

28,000 00 

11,250 00 

20,000 00 

1,458 00 

20,000 00 

2,600 00 

6,400 00 

6,000 00 

2,850 00 

5,500 00 

6,000 00 



Loaned thereon. 

$1,000 00 



10,000 00 
500 00 

22,000 00 

16,500 00 
1,400 00 

12,000 00 
2,250 00 

13,000 00 
9,000 00 



$125,758 00 $87,650 00 



Summary of Assets, December 31, 1876. 



Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Office furniture, .... $4,000 00 
Premiums more than 3 mos. due, . 490 40 
Gross Assets, 



$89,500 00 

2,047 50 

218,181 25 

87,650 00 

807 24 

28,853 82 

1,533 87 

8,347 45 



$436,921 13 



Liabilities. 

Losses claimed and reported, .... $6,650 00 

disputed or resisted, .... 3,000 00 

Unearned premiums on outstanding risks, . 68,878 11 

Due and accrued for rent, salaries, etc., . . 2,333 33 

Commissions and brokerage, .... 827 84 

Gross Liabilities, except capital, . , 81,689 28 

Surplus as regards Policy-holders, $355,231 85 

Paid-up capital, . . 200,000 00 

Surplus over Capital, $155,231 85 

* Value of lands mortgaged $68,000 00 

Value of buildings thereon 129,500 00 

Total value of property mortgaged, $197,500 00 

Amount of insurance held as collateral, 97,400 00 

31 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $136,233 44 
Deduct re-insurance, rebate and return prem's, 5,645 21 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, . 



$130,588 23 
22,740 63 



Gross Cash Income, . . . ...... $153,328 86 

Expenditures. 

Net cash paid for fire losses, $43,865 20 

Cash dividends paid, 30,000 00 

paid for commissions and brokerage, .... 10,245 98 

for salaries of officers and employes, . . . 21,716 66 

for state and local taxes, 3,113 14 

for office, agency and incidental expenses, . . 24,296 52 

Gross Cash Expenditures, $133,237 50 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$26,050,738 00 
27,815,004 00 



$53,865,742 00 
27,836,391 00 



$26,029,351 00 
387,416 00 



Premiums. 

$147,344 11 
135,666 70 

$283,010 81 
146,185 23 

$136,825 58 
1,882 19 



$25,641,935 00 $134,943 39 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$719,509 90 

199,391 71 

102,000 00 

30,000 00 

50,105 38 

101,000 00 



FIRE ASSOCIATION OF PHILADELPHIA, PHILADELPHIA, PA. 

[Incorporated March 27, 1820. Commenced business March 27, 1820.] 

Paid-up Capital, $500,000. 

Wm. T. Butler, President. Secretary, Jacob H. Lex. 

Office, No. 34 North Fifth Street. 

Attorney to accept service, Richard Pope, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Philadelphia city loan, . . , . . . $400,000 00 $447,000 00 
United States reg'd bonds, .... 550,000 00 620,900 00 



1876.] 



INS. COS. OF OTHER STATES. 



243 



Pittsburg city loan, . 
Camden city loan, .... 
Masonic Temple loan, 
Lehigh Valley R. R. bonds, 7s, . 
Lehigh Nav. Co. bonds, 
Penn. R. R. bonds, .... 
Phila. and Reading R. R. bonds, 
Phila. and Erie R. R. bonds, 
Catawissa R. R. bonds, . 
3000 shares Penn. R. R., . 
1600 " Lehigh Coal and Nav. Co., 
2000 " Phila. and Reading R. R., 
331 " Phila., Ger. and Norrist'n R. R., 
70 " Chestnut Hill R. R., 
Philadelphia city warrants, 
500 shares Fire Association, . $157,500 00 



$50,000 00 
6,000 00 

20,000 00 
120,000 00 
100,000 00 
100,000 00 

10,000 00 

14,000 00 

10,000 00 
150,000 00 

80,000 00 
100,000 00 

16,550 00 
3,500 00 

11,172 75 



$55,000 00 

6,480 00 

22,000 00 

121,000 00 

100,000 00 

104,500 00 

6,500 00 

13,720 00 

10,150 00 

145,125 00 

50,400 00 

40,000 00 

32,934 50 

6,965 00 

11,172 75 



'$1,741,222 75 $1,793,847 25 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash deposited in Fidelity Trust Co., 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, 



$57,120 70 

1,386,161 77 

22,960 20 

1,793,847 25 

183,419 37 

23,960 20 

153,681 82 



1,621,151 31 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
State and local taxes, .... 

Commissions and brokerage, 
Retfn prem's, $7,864.94 ; Re-ins. preni's, $261.22 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



Surplus over Capital, 



:,452 53 

60,196 00 

9,591 52 

533,686 68 

1,595,834 94 

1,203 50 

3,116 97 

27,464 00 

8,126 16 



2,273,672 30 

51,347,479 01 
500,000 00 

$847,479 01 



* Value of lands mortgaged, 
Value of buildings thereon, 



$1,480,000 00 
2,791,050 00 



Total value of property mortgaged, $4,271,050 00 

Amount of insurance held as collateral, 1,112,050 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums, . . $1,279,340 65 
Deduct re-insurance, rebate and return prem's, 131,257 50 

Net cash received for fire premiums, . . $1,148,083 15 

Interest received on bonds and mortgages, .... 92,334 20 
Interest and dividends received from all other sources, . 109,611 55 
Income from all other sources ; viz., tax on mortgages, 

$3,954.56 ; policy fees, etc., $2,131.50 ; transfers, $2,667, . 8,753 06 
Deposits received for perpetual fire risks, . $69,908 86 

Gross Cash Income, . $1,358,781 96 

Expenditures. 

Cash paid for fire losses, . $551,558 61 

dividends paid, . 200,000 00 

paid for commissions and brokerage, .... 243,333 77 

for salaries of oflScers and employes, . . . 25,156 47 

for state and local taxes, 40,661 79 

for office, agency and incidental expenses, . . 24,537 03 
Deposits returned on perpetual fire risks, . $25,470 01 

Gross Cash Expenditures, . . ..,.., $1,085,247 67 
Risks and Premiums. 

Premiums. 
Fire risks outstanding December 31, 1875, $136,990,166 00 $2,690,051 60 
written during 1876, . 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



101,332,871 00 1,279,340 65 



$238,323,037 00 $3,969,392 25 
79,259,207 00 1,222,202 64 



$159,063,830 00 $2,747,189 61 
423,800 00 4,088 66 



$158,640,030 00 $2,743,100 95 



Miscellaneous. 
Premiums received from organization of company, . $6,292,360 00 
Losses paid from organization of company, .... 2,374,351 42 
Cash dividends declared from organization of company, . 1,179,762 00 
Dividends declared during the year (40 per cent.), . . 200,000 00 

Losses incurred during the year, 575,210 00 

Company's stock owned by directors, ..... 118,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



245 



FIREMEN'S INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated December 3, 1855. Commenced business December 3, 1855.] 

Paid-up Capital, $ 400,000. 

S. R. W. Heath, President. Secretary, D. H. Dunham. 

Office, No. 755 Broad Street. 

Attorney to accept service, Timothy T. Sawyer, Jr., Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States bonds, . $50,000 00 



Morris and Essex R. R. stock, 
First Nat'l Bank stock, 
Newark City Nat'l Bank stock, 
American Ins. Co. stock, . 
Newark City Ins. Co. stock, 
Germania Ins. Co. stock, . 



11,800 00 

10,000 00 

4,750 00 

7,300 00 

3,750 00 

2,000 00 



Market value. 
$55,725 00 

11,210 00 
11,200 00 
7,125 00 
9,125 00 
3,937 50 
2,100 00 



$89,600 00 $100,422 50 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $79,934 86 

Loans on mortgage of real estate (first liens),* 742,759 00 

Interest due or accrued thereon, . . . 21,401 68 

Stocks, bonds, etc., as per schedule, . . . 100,422 50 

Cash in the office of the company, . . . 9,635 64 

deposited in Newark City Nat'l Bank, . 14,191 77 

Premiums in course of collection (gross), . 7,660 88 

Notes taken for marine and inland risks, . . 344 57 

Rents due and accrued, 1,086 66 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, $86 00 

claimed and reported, .... 17,344 00 

Unearned premiums on outstanding risks, . 125,550 54 

Reclaimable on perpetual fire policies, . . 273 60 

Unpaid scrip ordered to be redeemed, . . 3,379 00 

Interest due or accrued on scrip, . . . 925 45 

Commissions and brokerage, .... 760 28 

Return premiums, 65 94 

Gross Liabilities, except capital and scrip, 

Surplus as regards Policy-holders, ..... 

Paid-up capital, $400,000 00 

Scrip outstanding, not ordered to be redeemed, 3,379 00 

Surplus over Capital and Scrip, 



$977,437 56 



148,384 81 
$829,052 75 



403,379 00 
$425,673 75 



* Value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,000,000 00 
1,219,792 00 



246 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . ; . $235,911 01 
Deduct re-insurance, rebate and return prem's, 9,423 66 

Net cash received for fire premiums, . . : 

Unpaid premium notes received during the 

year, $344 57 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from rents, . 



$226,487 35 



51,458 40 
5,413 25 
2,313 75 



Gross Cash Income, $285,672 85 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Interest paid scripholders, . 

Cash paid for redemption of scrip, 

for commissions and brokerage, 
for salaries of officers and employes 
for state and local taxes, . 
for profits to participating policies, 
for repairs and improvements, . 
for miscellaneous, 

Gross Cash Expenditures, . 



$76,620 89 
2,163 66 



} 



$74,457 23 
48,000 00 

788 17 

24,521 40 

16,956 00 

2,837 66 

31,420 95 

1,076 89 

4,539 50 



204,597 80 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $27,611,905 00 $250,966 79 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



29,510,249 00 239,126 81 



$57,122,154 00 $490,093 60 
28,060,277 00 239,356 69 



29,061,877 00 $250,736 91 
78,741 00 784 17 



$28,983,136 00 $249,952 74 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$2,145,018 89 

612,720 91 

294,500 00 

48,000 00 

79,563 11 

237,020 00 



1876.] 



INS. COS. OF OTHER STATES. 



247 



FIREMEN'S INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated 1825. Commenced business April 18, 1825.] 

Paid-tjp Capital, $204,000. 

John F. Halsted, President. Secretary, Thaddeus J. Whitlock. 

Office, No. 153 Broadway. 
Attorney to accept service, Edward Stearns, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds, 

Chicago and No. Western R. R. 1st mort. bond, 

Bank of New York stock, 

Metropolitan Nat'l Bank stock, .... 
American Exch. Nat'l Bank stock, . 



Par value. Market value. 

$175,000 00 $201,225 00 

30,000 00 32,700 00 

10,000 00 11,500 00 

10,000 00 12,500 00 

10,000 00 10,500 00 



$235,000 00 $268,425 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $67,800 00 

Interest due or accrued thereon, . . . 1,742 25 

Stocks, bonds, etc., as per schedule, . . . 268,425 00 

Cash in the office of the company, . . . 763 39 

deposited in various banks, . ,. . 7,527 29 

Interest due and accrued, 900 00 

Premiums in course of collection (gross), . 3,563 87 
Premiums more than 3 mos. due, . $396 54 

Gross Assets, 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$1,463 00 

2,000 00 

2,500 00 

31,174 41 

683 33 

404 68 

32 43 



$350,721 80 



38,257 85 

$312,463 95 
204,000 00 

$108,463 95 



* Value of lands mortgaged, 
Value of buildings thereon, 



Total value of property mortgaged, 
Amount of insurance held as collateral, 



$92,000 00 
75,000 00 

$167,000 00 
57,975 00 



248 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums, . . . $63,538 24 

Deduct re-insurance, rebate and return prem's, 3,066 87 

Net cash received for fire premiums, . . - $60,471 37 

Interest received on bonds and mortgages, .... 4,662 38 

Interest and dividends received from all other sources, . 11,120 68 



Gross Cash Income, $76,254 43 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



,301 81 
499 67 



for office, agency and incidental expenses, 



Gross Cash Expenditures, . $77,203 15 



$17,802 14 

30,600 00 

5,428 09 

13,800 06 

215 43 

9,357 43 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $11,897,990 00 $75,330 61 
written during 1876, . 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



12,487,517 00 63,144 61 



$24,385,507 00 $138,475 22 
13,152,958 00 75,859 48 



$11,232,549 00 $62,615 74 
242,541 00 1,359 71 



$10,990,008 00 $61,256 03 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$,921,253 27 

2,486,956 98 

1,256,698 17 

30,600 00 

21,544 74 

57,103 00 



1876.] 



INS. COS. OF OTHER STATES. 



249 



FIREMEN'S INSURANCE COMPANY, DAYTON, OHIO. 

[Incorporated April, 1856. Commenced business 1856.] 

Paid-up Capital, $250,000. 

S. Craighead, President. Secretary, J. S. Miles. 

Office at Dayton. 

Attorney to accept service, Henry N. Baker, Boston. 



Detailed Statement of Stocks, 



United States bonds, . 

" " funded loan, 5s, . 

Dayton (Ohio) city bonds, 
Darke county (Ohio) bonds, 
Music Hall Co.'s bonds, 
Troy (Ohio) bonds, . 
Wapakonetta (Ohio) bonds, 
Montgomery county (Ohio) bonds, 
Auglaize county (Ohio) bonds, . 
135 shares Merchants' Nat'l Bank, Cincinnati, 
22 " Dayton Nat'l Bank, . 



Securities held as collateral for cash loans : — 

Eagle White Lead Co. (Cin.) stock, . 
Cooper Hydraulic Co. stock, 
Farmers' Nat'l Bank (Greenville, O.) stock, 
Dayton Nat'l Bank stock, .... 
Second Nat'l Bank (Dayton) stock, . 
Farmers' Nat'l Bank (Greenville, O.) stock, 
Merchants' Nat'l Bank (Dayton) stock, . 
Second Nat'l Bank (Dayton) stock, . 
Little Miami R. R. stock, .... 
Mortgage note, 



Bonds, Etc. 




Par value. 


Market value. 


$120,000 00 


$140,662 50 


30,000 00 


33,600 00 


31,400 00 


32,525 00 


2,000 00 


2,000 00 


6,000 00 


6,000 00 


10,000 00 


10,000 00 


5,000 00 


5,000 00 


1,450 00 


1,450 00 


1,500 00 


1,500 00 


13,500 00 


15,930 00 


2,200 00 


2,860 00 


$223,050 00 


$251,527 50 


Market value. Loaned thereon. 


$17,500 00 


$10,000 00 


16,500 00 


10,000 00 


3,500 00 


2,000 00 


1,300 00 


800 00 


14,000 00 


5,000 00 


17,850 00 


12,000 00 


► 17,300 00 


3,000 00 


1,000 00 


1,000 00 


1,000 00 


429 47 


$89,950 00 


$44,229 47 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $9,017 82 
Loans on mortgage of real estate (first liens),* 54,719 87 
Interest due or accrued thereon, . . . 4,385 40 
Stocks, bonds, etc., as per schedule, . . . 251,527 50 



* Value of lands mortgaged, $142,800 00 

Value of buildings thereon 38,700 00 

Total value of property mortgaged $181,500 00 

Amount of insurance held as collateral, 18,800 00 

32 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Rents due and accrued, $150 ; due for re-insur- 
ance, $23,009.43, ..... 
Gross Assets, ..... 



$44,229 47 
1,045 23 
8,467 24 
1,926 15 
22,918 18 
1,856 11 

23,159 43 



$423,252 40 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
State and local taxes, 
Commissions and brokerage, 
Re-insurance due, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . . . . . 



Surplus over Capital, 



$2,720 00 
2,000 00 
1,437 84 

75,920 81 

50 00 

1,498 20 

9,679 10 

2,158 92 



95,464 87 

. $327,787 53 
. 250,000 00 



$77,787 53 



Income. 

Cash received for fire premiums, . . . $142,743 02 
Deduct re-insurance, rebate and return prem's, 19,460 78 

Net cash received for fire premiums, . . $123,282 24 

Interest received on bonds and mortgages, .... 6,543 89 
Interest and dividends received from all other sources, . . 19,489 71 
Income from rents, 75 00 



Gross Cash Income, $149,390 84 



Expenditures. 

Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



,479 52 
25,057 00 
16,296 17 
12,317 80 
3,561 51 
10,144 31 



Gross Cash Expenditures, $107,856 31 



1876.] 



INS. COS. OF OTHEE STATES. 



251 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $11,437,706 00 $142,082 82 
written during 1876, . . . 10,090,540 00 123,282 24 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$21,528,246 00 $265,365 06 
6,964,360 00 111,983 73 



$14,563,886 00 $153,381 33 
97,444 00 1,071 89 



$14,466,442 00 $152,309 44 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Losses incurred during the year, . . .■ 
Company's stock owned by directors, .... 



$1,003,364 00 

322,128 58 

283,642 40 

25,000 00 

43,543 43 

67,980 00 



FIREMAN'S FUND INSURANCE COMPANY, SAN FRANCISCO, 

CAL.* 

[Incorporated May 31, 1863. Commenced business June 18, 1863.] 

Paid-up Capital, $300,000. 

David J. Staples, President. Secretary, George D. Dornin. 

Office at San Francisco. 
Attorney to accept service, William B. Sears, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 



United States reg'd bonds, 
South Carolina state bonds, 
225 shares California Bank, 
133 " First Nat'l Gold Bank, 
Loans with mortgage security, . 



Securities held as collateral for cash loans :- 

United States reg'd bonds, 
175 shares Merchants' Exchange Bank, . 
100 " First Nat'l Gold Bank, . 
334 " California Powder Co., . 



Tar value. Market value. 

$120,000 00 $128,400 00 

5,750 00 3,350 00 

22,500 00 22,500 00 

13,300 00 13,300 00 

2,597 45 



$170,147 45 



Market value. Loaned thereon. 



$16,050 00 
14,000 00 
10,000 00 
40,000 00 



$15,000 00 

10,000 00 

6,000 00 

14,000 00 



,050 00 $45,000 00 



* The "business of this company is conducted on a gold basis. 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $225,000 00 
Loans on mortgage of real estate (first liens),* 152,564 31 

966 76 

170,147 45 

45,000 00 

4,649 05 

37,944 77 

675 83 

45,138 07 

21,410 60 

125 00 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the oflice of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Rents due and accrued, .... 
Gross Assets, 



$703,621 84 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, 

Bills payable, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



,124 44 
23,016 51 
4,000 00 

$38,140 95 
2,675 00 

$35,465 95 
262,990 49 

1,242 49 
261 04 

1,469 68 



301,429 65 

$402,192 19 
300,000 00 

$102,192 19 



Income. 
Cash received for fire premiums, . . . $463,032 92 
Deduct re-insurance, rebate and return prem's, 61,904 67 

Net cash received for fire premiums, . . $401,128 25 

Cash received for marine and inland prem's, . $134,327 84 
Deduct re-insurance, rebate and return prem's, 25,223 96 

Net cash received for marine and inl'd prem's, 109,103 88 

Unpaid premium notes received during the 

year, $21,410 60 

Interest and dividends received from all sources, . . . 25,277 71 
Income from all other sources ; viz., rents, $22,334.50 ; ma- 
rine policy fees, $189, 22,523 50 

Gross Cash Income, $558,033 34 

* Total value of property mortgaged $353,100 00 

Amount of insurance held as collateral, 95,900 00 



1876.] 



INS, COS. OF OTHER STATES. 



253 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

office, agency and incidental expenses, 



$277,185 06 
30,894 11 

$113,573 55 
37,771 47 



Gross Cash Expenditures, $554,862 15 



$246,290 95 



75,802 08 

38,539 98 

62,307 89 

43,065 00 

11,081 05 

77,775 20 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

28,585,745 00 $154,111 37 
35,302,261 00 493,308 21 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$63,888,006 00 $947,419 58 
36,902,738 00 496,427 50 



$26,985,268 00 $450,992 08 
2,370,443 00 30,429 26 



$24,614,825 00 $120,562 82 



Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured. 

Net amount in force, . 



$1,124,660 00 
5,065,114 00 

$6,189,774 00 
5,271,654 00 

$918,120 00 
98,680 00 



$76,489 70 
131,266 00 

?207,755 70 
148,170 24 



$59,585 46 
5,187 59 



$819,440 00 $54,397 87 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (13 per cent.), 
Losses incurred during the year, ..... 
Company's stock owned by directors, .... 



$1,521,561 00 

3,089,515 03 

652,000 00 

39,000 00 

245,587 00 

45,700 00 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



FRANKLIN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated February 15, 1876. Commenced business April 1, 1876.] 

Paid-up Capital, §200,000. 

Edward Hotchktss, President. Secretary, R. M. G. Dodge. 

Office, No. 348 Broadvjay. 
Attorney to accept service, Augustus S. Lovett, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, $50,000 00 $58,000 00 



Securities held as collateral for cash loans : — 



Pacific Ins. Co. stock, 

Park Ins. Co. stock, . 

iEtna Ins. Co. stock, N. Y., 

Farragut Ins. Co. stock, 

Broadway and 7th Ave. R. R. bond, 

United States 5-20 bond, . 

Importers and Traders' Nat 1 ! Bank stock, 



Market value. Loaned thereon. 

$3,750 00 
750 00^ 
1,000 00 / 
1,350 00 



$1,000 00 
900 00 



15,000 00 

11,600 00 

1,700 00 



1,000 00 

10,000 00 

10,000 00 

700 00 



$35,150 00 $23,600 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $137,000 00 

Interest due or accrued thereon, . . . 882 00 

Stocks, bonds, etc., as per schedule, . . «, 58,000 00 

Loans on collateral security, as per schedule, . 23,600 00 

Cash in the office of the company, . . . 4,224 29 

deposited in bank, 12,433 12 

Interest due and accrued, ..... 33 22 

Premiums in course of collection (net), . . 12,147 76 
Office furniture and fixtures, . . $3,410 59 

Gross Assets, ...... — — 



$248,320 39 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



Surplus over Capital, 

* Value of lands mortgaged, , 



$1,500 00 

3,650 00 

40,944 03 

666 67 



46,760 70 



201,559 69 
200,000 00 

$1,559 69 



$159,000 00 

Value of buildings thereon, 148,000 00 

Total value of property mortgaged $307,000 00 

Amount of insurance held as collateral 101,000 00 



1876.] INS. COS. OF OTHER STATES. 255 

Income. 

Cash received for fire premiums, . . . $73,398 01 
Deduct re-insurance, rebate and return prem's, 2,314 53 

Net cash received for fire premiums, . . $71,083 48 

Interest received on bonds and mortgages, . 3,058 00 

Interest and dividends received from all other sources, . . 3,277 49 



Gross Cash Income, $77,418 97 

Expenditures. 

Cash paid for fire losses, . ... . .... $10,355 45 

paid for commissions and brokerage, . . . . 11,801 42 

for salaries of officers and employes, . . . 7,562 50 
for all other items ; viz., rent, $3,450 ; office, 

agency and incidental expenses, $2,731.60, . . 6,181 60 



Gross Cash Expenditures, $35,900 97 

Risks and Premiums. 



Fire risks written during 1876, . 
Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

58,332,980 66 $88,256 39 
1,212,712 08 6,743 41 



',120,268 58 $81,512 98 
53,000 00 366 46 



$7,067,268 58 $81,146 52 



Miscellaneous. 

Premiums received from organization of company, . . $73,398 01 

Losses paid from organization of company, . . . . 10,355 45 

Losses incurred during the year, 15,505 45 

Company's stock owned by directors, 79,000 00 



FRANKLIN FIRE INSURANCE COMPANY, PHILADELPHIA, PA. 

[Incorporated 'April 22, 1829. Commenced business June, 1829.] 

Office, No. 421 Walnut Street. 

Paid-up Capital, #400,000. 

Alfred G. Baker, President. Secretary, Theodore M. Reger. 

Attorney to accept service, John C. Paige, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States coupon bonds, 1881, . . . $5,000 00 $5,712 50 

a reg , d „ "... 20,000 00 22,750 00 

" 5-20 reg'd bonds, . . . . 135,000 00 148,987 50 

" 10-40 reg'd bonds, . . . 40,000 00 45,500 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Alabama state bonds, 
Mississippi state warrants, 
New Jersey exempt, bonds, 
Philadelphia city bonds, 6s, 
Pittsburg city bonds, 7s, . 
Columbus city bonds, 8s, . 
" " " 7s, . 

Cincinnati city bonds, 6s, . 
7-30s, 
Camden city bonds, 6s, 
West Jersey R. R. bonds, 7s, 
Phila. and Reading R. R. bonds, 6s, 

7s, 
Penn, R. R. 1st mort. bonds, 
Harrisbnrg, P., L. and Mt. Joy R. R. bonds, 
Hestonville, M. and F. R. R. bonds, 
American Steamship Co. bonds, 
100 shares Commercial Nat 1 ! Bank, 
16 " Continental Hotel Co., 



$10,000 00 

15,000 00 

5,000 00 

50,000 00 

10,000 00 

10,000 00 

5,000 00 

6,000 00 

4,000 00 

1,000 00 

9,500 00 

5,000 00 

3,000 00 

15,000 00 

25,000 00 

8,000 00 

10,000 00 

5,000 00 

1,600 00 



$4,000 00 

12,750 00 

5,300 00 

56,250 00 

11,000 00 

11,000 00 

5,250 00 

5,880 00 

4,320 00 

1,030 00 

10,366 87 

3,500 00 

3,270 00 

15,525 00 

26,000 00 

7,760 00 

8,300 00 

6,500 00 

1,488 00 



Securities held as collateral for cash loans :— 

35 shares Penn. R. R. Co., 
Lehigh Valley R. R. bonds, 
Hestonville, M. and F. R. R. bonds, 

34 shares Metropolitan Nat'l Bank, 
United States 5-20 bonds, . 

24 shares Commercial Natfl Bank, 
Phila. and Reading R. R. bonds, 

30 shares Penn. R. R. Co., 

64 " Penn. Salt Manufacturing Co., 
Wilmington and Reading R. R. 1st mort. bonds, 
100 shares Penn. R. R. Co., 

70 " W. Phila. R. R. Co., . 

36 " Penn. R. R. Co., 



$398,100 00 $422,439 87 

Market value. Loaned thereon. 

$1,715 00 $1,500 00 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in various banks, 

* Total value of property mortgaged, .... 
Amount of insurance held as collateral, . 



1,060 00 


900 00 


970 00 


200 00 


3,740 00 


2,800 00 


9,180 00 


7,500 00 


1,560 00 


500 00 


1,400 00 


1,000 00 


1,470 00^ 
4,736 00/ 


3,300 00 




2,400 00^ 
4,900 00 / 


6,500 00 


11,550 00 


8,250 00 


1,764 00 


850 00 


$46,445 00 


$33,300 00 


.er 31, 1876. 




. $142,000 00 




* 2,463,495 79 




38,227 86 




. 422,439 87 




. 33,300 00 




36,022 53 




. 121,993 07 




.... 


$5,354,495 00 


. 


2,590,108 60 



1876.] 



INS. COS. OF OTHER STATES. 



257 



Interest due and accrued, .... 
Notes taken for marine and inland risks, . 
Due for deposit premiums, 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 

Surveys, 

Gross Liabilities, except capital, 



Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$1,062 00 

93,968 07 

356 25 



$62,635 70 

17,703 45 

1,400 00 

656,708 72 

1,443,626 02 

928 00 

3,133 00 



1,352,865 44 



2,186,134 89 

$1,166,730 55 

400,000 00 



Income. 
Cash received for fire premiums, . . . $928,124 81 
Deduct re-insurance, rebate and return prem's, 109,057 61 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, 
Income from all other sources ; viz., rents, $448.55 ; surveys, 
$1,231 ; policies and transfers, $4,020.50 ; miscellaneous, 

$3,716.31, 

Deposits received for perpetual fire risks, . $81,569 87 



$766,730 55 



$819,067 20 

137,596 94 

24,434 26 



9,416 36 



Gross Cash Income, $990,514 76 



Expenditures. 

Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 
for office, agency and incidental expenses, 
Deposits returned on perpetual fire risks, . . $47,888 38 



Gross Cash Expenditures, 

Risks and Premiums. 

Fire risks outstanding December 31, 1875, $165,380,818 00 
written during 1876, . . . 75,197,928 90 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
33 



$240,578,746 90 
86,244,876 35 



$467,127 47 
127,616 00 
128,680 93 
102,139 38 
34,486 86 
129,916 74 

$989,967 38- 



Premiums. 

52,885,305 65 
1,018,758 00 

.3,904,063 65 
1,180,898 84 



$154,333,870 55 $2,723,164 81 



258 FIRE, MARINE, AND FIRE-MARINE [De.c. 31, 

Miscellaneous. 

Premiums received from organization of company, . $18,311,160 91 

Losses paid from organization of company, . . . 10,364,284 59 

Cash dividends declared from organization of company, 3,452,000 00 

Dividends declared during the year (gold), . , . 127,616 00 

Company's stock owned by directors, . . . . 57,300 00 



GERMANIA INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated March 17, 1870. Commenced business April 20, 1870.] 

Paid-up Capital, $225,000. 

James F. Paterson, President. Secretary, Julius B. Brose. 

Office at Newark. 
Attorney to accept service, Herbert H. Westgate, Melrose. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, $14,000 00 $16,604 38 

" 10-40 bonds, .... 32,000 00 37,847 50 
Newark city war bonds, . . ... 500 00 525 00 



Securities held as collateral for cash loans 



50 shares Penn. R. R. Co., . 
10 " State Trust Co., . 
10 " Second Nat'l Bank, . 
30 " Newark City Ins. Co., 



$16,500 00 


$54,976 88 


Market value. Loaned thereon. 


$2,500 00 


$1,800 00 


1,000 00 


700 00 


1,200 00 


1,000 00 


1,500 00 


1,000 00 



1,200 00 $4,500 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $76,079 79 

Loans on mortgage of real estate (first liens),* 127,685 00 

Interest due or accrued thereon, . . . 5,761 72 

Stocks, bonds, etc., as per schedule, . . . 54,976 88 

Loans on collateral security, as per schedule, . 4,500 00 

Cash in the office of the company, . . . 1,723 80 

deposited in various banks, . . . 13,686 46 

Interest due and accrued, 127 37 

Premiums in course of collection (gross), . 14,405 88 

Rents due and accrued, 307 00 

Office furniture and fixtures, . . $2,984 11 

Gross Assets, $299,253 90 

* Value of lands mortgaged, $174,700 00 

Value of buildings thereon, 150,000 00 



Total value of property mortgaged, $324,700 00 

Amount of insurance held as collateral, 135,850 00 



1876.] 



INS. COS. OF OTHER STATES. 



259 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Salvage claims, . . . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . . . , 

Income. 
Cash received for fire premiums, . . . $148,133 85 
Deduct re-insurance, rebate and return prenfs, 14,360 02 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, . 
Income from all other sources; viz., rents, $1,212.50 ; com- 
missions, $531.87, . 

Received for increased capital, . . . $4,300 00 



$4,906 55 

800 00 

2,000 00 

$7,706 55 
1,000 00 

$6,706 55 

61,576 00 

7 00 

69 16 

2,890 17 



Gross Cash Income, .... 

Expenditures . 
Cash paid for fire losses, ...... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 

Gross Cash Expenditures, 

Risks and Premiums. 



$53,603 25 
653 33 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . . 



$8,216,073 00 
12,708,687 00 



$20,924,760 00 
10,201,025 00 



$71,248 88 

$228,005 02 
225,000 00 

$3,005 02 



$133,773 83 
9,241 22 
2,034 20 

1,744 37 
$146,793 62 



$52,949 92 

22,790 00 

29,612 74 

9,717 57 

4,314 64 

12,516 51 

$131,901 38 

Premiums. 
$103,566 11 
144,813 34 

$248,379 45 
123,467 10 



$10,723,735 00 
284,607 00 



$124,912 35 
3,459 06 



$10,439,128 00 $121,453 29 



260 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year 

Company's stock owned by directors, .... 



$488,942 88 

179,943 71 

70,584 85 

22,500 00 

57,876 87 

34,000 00 



GERMANIA FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March, 1859. Commenced business March, 1859.] 

Paid-up Capital, $500,000. 

Rudolph Garrigue, President. Secretary, Hugo Schumann. 

Office, No. 175 Broadway. 
Attorney to accept service, Isaac J. Brown, Boston. 



Detailed Statement 

United States 10-40 reg. bonds, . 
" 5-20 reg. bonds, . 
" " " coupon bonds, 

New York City Park bonds, 

" " bonds, 

" " assessment bonds, 

" Co. Court-house stock, 

Brooklyn Permanent Water loan, 

" Public Park loan, 
Kings county bonds, . 
Buffalo City Park bonds, . 
Rochester city bonds, 
50 shares Nat'l Park Bank, 



of Stocks, Bonds, Etc. 

Par value. Market value. 

$475,000 00 $538,625 00 

90,000 00 105,525 00 

10,000 00 11,637 50 

43,000 00 43,860 00 

25,000 00 27,375 00 

6,000 00 6,300 00 

15,000 00 15,600 00 

26,000 00 27,820 00 

8,000 00 8,480 00 

16,000 00 16,320 00 

25,000 00 25,000 00 

2,000 00 2,200 00 

5,000 00 5,000 00 



$746,000 00 $833,742 50 



Securities held as collateral for cash loans : — 



328 shares Nat'l State Bank, Elizabeth, 
20 " Sterling Fire Ins. Co., 
15 " U. S. Express Co., . 
7 " Western Union Tel. Co., . 
40 " Germania Life Ins. Co., . 
58 " First Nat'l Bank, Jersey City, 



Market value. Loaned thereon. 
$16,400 00 \ 
2,000 00 } $14,500 00 
825 00 ^ 

51100) ^ m0 ° 
2,300 00> 

oisoooo} 7 < 00000 



$27,836 00 $22,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



261 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) ,* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross Assets, 



$45,819 33 

677,900 00 

18,589 86 

833,742 50 

22,500 00 

12,912 72 

23,845 45 

3,729 10 

78,609 92 

200 00 



-81,717,848 88 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$23,516 82 
21,786 42 
30,967 90 

446,777 54 



- 523,048 68 

$1,194;800 20 
. 500,000 00 



$694800 20 



Income. 

Cash received for fire premiums, . . . $826,643 78 
Deduct re-insurance, rebate and return prem's, 74,842 81 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$751,800 97 
49,002 11 
37,612 80 



Gross Cash Income, $838,415 88 



Expenditures. 

Cash paid for fire losses, $295,104 95 

Deduct salvage and re-insurance, . . . 9,321 77 

Net cash paid for fire losses, .... $285,783 18 

Cash dividends paid 150,000 00 

paid for commissions and brokerage, .... 129,673 23 

for salaries of officers and employes, . . . 82,508 06 

for state and local taxes, 18,256 38 

for office, agency and incidental expenses, . . 109,905 07 

Gross Cash Expenditures, $776,125 92 

* Value of lands mortgaged, $715,000 00 

Value of buildings thereon, 765,800 00 

Total value of property mortgaged, . $1,480,800 00 

Amount of insurance held as collateral 668,150 00 



262 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding December 31, 1875 
written during 1876, . 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$86,814*178 59 
79,516,682 52 

$166,330,861 11 
83,801,345 16 



$82,529,515 95 
1,807,566 00 



Premiums. 

11,014,733 48 
826,643 78 

.1,841,377 26 
926,293 66 



115,083 60 
15,313 37 



,721,949 95 $899,770 23 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the j^ear (30 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



^9,393,015 40 
4,480,119 29 
786,000 00 
150,000 00 
300,144 12 
147,850 00 



GERMAN AMERICAN INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March, 1872. Commenced business March 7, 1872.] 
Paid-up Capital, #1,000,000. 
Emil Oelbermann, President. Secretary \ James A. Silvey. 

Office, No. 1 79 Broadway. 
Attorney to accept service, William B. Sears, Brookline. 



Detailed Statement of 



United States coupon bonds, 5s, 1881, 
" " currency bonds, 6s, 
" " coupon bonds, 6s, 1867, 
reg'd bonds, 6s, 1867, 
bonds, 6s, 1881, . 

6s, 1865 (old), 
6s, 1865 (new), 
" " 10-40 bonds, 
Missouri state bonds, 6s, . 
Brooklyn city water bonds, 
Rochester city water bonds, 
Buffalo city bonds, 
Yonkers city bonds, . 
N. Y. Central R. R. bonds, 6s, 



Stocks, Bonds, Etc. 

Par value. 

$480,000 00 

160,000 00 

100,000 00 

100,000 00 

50,000 00 

90,000 00 

40,000 00 

52,000 00 

50,000 00 

54,000 00 

40,000 00 

25,000 00 

21,000 00 

50,000 00 



Market value. 

$537,600 00 

195,200 00 

113,500 00 

113,500 00 

57,000 00 

98,100 00 

45,200 00 

58,760 00 

52,000 00 

56,160 00 

42,800 00 

26,750 00 

22,470 00 

50,000 00 



$1,312,000 00 $1,469,040 00 



1876.] 



INS. COS. OF OTHER STATES. 



263 



Securities held as collateral for cash loans : — 



Providence city water bonds, 

Missouri state bonds, 

N. J. Central R. R. 1st raort. bonds, 

Central Pacific R. R. 1st mort. bonds 

Union Pacific R. R. 1st mort. bonds, 

Buffalo city bonds, 

College Point, L. I., water bonds, 

Missouri state bonds, . 

Jersey city bonds, ... 

St. Nicholas Bank stock, . 

Central R. R., L. I., 1st mort. bonds, 

N. Y. Central and H. R. R. R. stock, 

United States bonds, 1865, 

N. J. Central R. R. bonds, 

Chicago and N".- western R. R. bonds 

Central Pacific R. R. bonds, 

Cal. and Oregon R. R. bonds, . 

Union Pacific R. R. bonds, 

New York and H. R. R. stock, . 

United States bonds, 

Erie Railway bonds, 

United States bonds, 



Market value. Loaned thereon. 

$11,880 00 $10,000 00 

7,280 00 >j 

5,550 00 [ 15,000 00 

5,450 00 J 
21,200 00 
21,000 00 
15,000 00 ^ 



} 



35,000 00. 



4,160 00 



5,150 00 , 
9,690 00 J 
90,000 00 
50,500 00 
3,955 00 
8,880 00 ^ 
6,540 00 
30,520 00 
3,720 00 
12,720 00 
27,200 00 J 
56,500 00 
22,000 00 
65,960 00 
99,700 00 
45,460 00 
2,260 00 



y 27,000 00 



60,000 00 

44,000 00 

2,500 00 



} 70,000 00 



50,000 00 
16,000 00 
60,000 00 
90,000 00 
40,000 00 
2,000 00 

$632,275 00 $521,500 00 



Summary of Assets, December 31, 1876. 
Stocks, bonds, etc., as per schedule, . . $1,469,040 00 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Premiums in course t)f collection (gross), 
Gross Assets, 



521,500 00 

3,499 21 

147,536 43 

84,977 33 



>2,226,552 97 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



Surplus over Capital, 



$29,035 67 

20,085 00 

9,452 10 

496,389 36 
19,753 31 



574,715 44 

11,651,837 53 
1,000,000 00 

$651,837 53 



264 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $972,647 95 

Deduct re-insurance, rebate and return prenfs, 113,986 46 

Net cash received for fire premiums, . . ——- — $858,661 49 

Interest and dividends received from all sources, . . 97,108 68 

Gross Cash Income, .... 

Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 



. $371,423 57 
3,196 83 


$955,770 17 

$368,226 74 

100,000 00 

140,613 74 

79,620 38 

23,294 53 


i • • 


• 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 



86,785 74 
98,541 13 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $81,490,253 00 $965,924 32 
written during 1876, . 



Total, ..... 
Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



102,182,622 00 992,807 48 



$183,672,875 00 $1,958,731 80 
95,337,994 00 968,963 97 



,334,881 00 $989,767 83 
. 1,589,568 00 15,379 38 



,745,313 00 $974,388 45 



Miscellaneous. 

Premiums received from organization of company, . $4,348,224 15 

Losses paid from organization of company, , , . 1,813,018 10 

Cash dividends declared from organization of company, . 340,000 00 

Dividends declared during the year (10 per cent.), . . 100,000 00 

Losses incurred during the year, , . .... 400,206 04 

Company's stock owned by directors, ..... 234,100 00 



1876.] 



INS. COS. OF OTHER STATES. 



265 



GIRARD FIRE AND MARINE INSURANCE COMPANY, PHILA- 
DELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital, $300,000. 

Alfred S. Gillett, President.. Secretary, Philander C. Royce. 

Office at Philadelphia. 
Attorney to accept service, James Swords, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, $45,000 00 $52,035 00 

" bonds, 5s, . . . . 55,000 00 61,600 00 

" bonds, 4is, 20,000 00 21,700 00 

Philadelphia city loan, 6s, 17,800 00 20,500 00 

Louisville city loan, 6s, 10,000 00 10,000 00 

St. Louis city and county loan, 6s, . . , 10,000 00 10,500 00 

American Steamship Co. bonds, . . . 5,000 00 4,250 00 

Union Pacific R. R. bonds, . . . . 5,000 00 5,350 00 

Pennsylvania R. R. bonds, . . . 18,000 00 19,540 00 

Dan., H. and Wilkesbarre R. R. bonds, . . 20,000 00 10,000 00 

Camden and Amboy R. R, bonds, . . . 17,000 00 18,235 00 

Connecting R. R. Co. bonds, .... 10,000 00 10,500 00 

Phila. and Reading R. R. bonds, . . . 5,000 00 3,250 00 

No. Pennsylvania R. R. bonds, .... 5,000 00 5,450 00 

Lancaster and Reading R. R. bonds, . . 10,000 00 10,000 00 

Lehigh Navigation Co. bonds, .... 11,00000 11,22000 

Susquehanna Coal Co. bonds, .... 3,000 00 3,000 00 

Philadelphia and Erie R. R. bonds, . . . 15,000 00 14,850 00 

200 shares Centennial b'd of finance, . . 2,000 00 2,000 00 

400 " Phila. and Reading R. R., . . 20,000 00 8,000 00 



$303,800 00 $301,980 00 



Securities held as collateral for cash loans : — 

133 shares Penn. Gas Coal Co., . 
St. Louis, A. and Terre Haute R. R., 
50 shares Pennsylvania R. R., . 
City Nat'l Bank (Dallas, Texas), . 
Personal loan, secured, 



Market value. Loaned thereon. 

$7,980 00 $6,000 00 

800 00 

2,400 00 

500 00. 

5,900 00 



} *' 



500 00 



$15,200 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $225,800 00 
Loans on mortgage of real estate (first liens),* 430,666 65 
Interest due or accrued thereon, . . . 9,182 88 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 

34 



$1,072,950 00 
372,800 00 



266 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 
Gross Assets, 



$301,980 00 

15,200 00 

31,263 59 

63,155 84 

244 45 

31,583 25 

1,300 00 

1,900 00 



,112,276 66 



Liabilities. 

Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 

Commissions and brokerage, 
Return premiums, $1,654.74; re-insurance 

$186.96, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$32,161 62 

1,500 00 

281,775 08 

65,165 14 

1,822 45 

722 17 

6,800 41 



1,841 70 



- 391,788 57 

. $720,488 09 
. 300,000 00 



$420,488 09 



Income. 

Cash received for fire premiums, . . . $425,559 09 
Deduct re-insurance, rebate and return prem's, 26,082 05 

Net cash received for fire premiums, . . ■ — $399,477 04 

Interest received on bonds and mortgages, .... 25,108 54 

Interest and dividends received from all other sources, . . 19,669 65 

Income from all other sources ; viz., rents, .... 11,217 17 

Gross Cash Income, $155,472 40 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$108,273 63 
373 04 



for office, agency and incidental expenses, 
Deposits returned on perpet'l fire risks, . . . $655 35 



$107,900 59 
75,000 00 
74,495 00 
34,317 07 
19,612 17 
30,662 85 



Gross Cash Expenditures, $341,987 68 



1876.] 



INS. COS. OF OTHER STATES. 



267 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Kisks and Premiums. 

Premiums. 

$48,085,093 00 $634,016 70 
39,174,362 00 416,828 15 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$87,259,455 00 $1,050,844 85 
39,474,257 00 427,963 00 



$47,785,198 00 $622,881 85 
. 403,233 00 4,160 49 



$47,381,965 00 $618,721 36 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), 
Losses incurred during the year, . . ... 
Company's stock owned by directors, .... 



$4,013,060 00 
1,678,279 00 
448,331 00 
75,000 00 
128,170 00 
100,100 00 



GLEN'S FALLS INSURANCE COMPANY, GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

E. M. Little, President. Secretary, J. L. Cunningham, 

Office at Glen's Falls. 
Attorney to accept service, James Goodman, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

. Par value. Market value. 

United States 5-20 bonds, 1865, .... f 275,500 00 $303,050 00 

1867, .... 32,200 00 36,386 00 

New York state bounty loan, . . . . 3,000 00 3,000 00 

First Nat'l Bank stock, . . . . . 10,000 00 15,000 00 



Securities held as collateral for cash loans :- 

50 shares Nat'l Bank, Schuylerville, . 
Bond and mort., first lien, 



$320,700 00 $357,436 00 

Market value. Loaned thereon. 

$5,500 00 $3,300 00 
1,500 00 1,500 00 
3,000 00 700 00 



$ 10,000 00 $5,500 00 



268 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 



Cash, value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 mos. due, . $3,880 24 
Gross Assets, 



$10,000 00 

328,086 11 

3,996 65 

357,436 00 

5,500 00 

4,663 06 

86,105 09 

47 54 

23,340 99 



$819,175 44 



Liabilities 

Losses adjusted, unpaid, 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . 



),443 25 

2,914 50 

2,100 00 

294,236 41 

3,881 25 



313,575.41 



$505,600 03 
200,000 00 



$305,600 03 



Income. 

Cash received for fire premiums, . . . $328,165 53 
Deduct re-insurance, rebate and return prenfs, 25,452 72 

Net cash received for fire premiums, . . $302,712 81 

Interest received on bonds and mortgages, .... 18,662 37 
Interest and dividends received from all other sources, . . 24,514 63 
Income from all other sources ; viz., rents, $425 ; premium 
on gold, $63.37, 488 37 

Gross Cash Income, $346,378 18 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 



$149,930 76 
5,800 00 



$144,130 76 
20,000 00 
51,269 32 
18,789 72 



* Value of lands mortgaged $458,900 00 

Value of buildings thereon, 325,900 00 

Total value of property mortgaged, $784,800 00 

Amount of insurance held as collateral, 215,207 00 



1876.] 



INS. COS. OF OTHER STATES. 



269 



Cash paid for state and local taxes, .... 
for office, agency and incidental expenses, 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$65,192,527 00 
33,218,367 00 



$4,453 57 
12,919 05 

1251,562 42 



Premiums. 
$597,436 51 
328,165 53 



,410,894 00 
33,417,394 00 



$925,602 04 
325,633 30 



$64,993,500 00 
68,644 00 



$599,968 74 
676 78 



$64,924,856 00 $599,291 96 



Miscellaneous. 
Premiums received from organization of company, . $2,955,465 10 
Losses paid from organization of company, .... 1,698,880 88 
Cash dividends declared from organization of company, . 190,000 00 
Dividends declared during the year (10 per cent.), . . . 20,000 00 

Losses incurred during the year, 143,804 55 

Company's stock owned by directors, 67,360 00 



GREAT WESTERN (MARINE) INSURANCE COMPANY, NEW 

YORK, N. Y. 

[Incorporated September, 1855. Commenced business October, 1855.] 

Paid-up Capital, $662,080. 

Ferdinand Motz, President. Secretary, Wm. T. Lockwood. 

Office, No.. 50 Wall Street. 
Attorney to accept service, Nath'l Foster, Jr., Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 reg'd bonds, 5s, . . . $400,000 00 $454,000 00 

" 10-40 coupon bonds, 5s, . . 27,000 00 30,645 00 

" " currency bonds, 6s, . . . 171,000 00 208,620 00 

" coupon bonds, 5s, '81, . . . 20,000 00 22,400 00 

" reg'd bonds, 5s, '81, . . . 10,000 00 11,200 00 

" 5-20 reg'd bonds, '65, ... 30,000 00 32,850 00 

" " 5-20 reg'd bonds, '65, . . . 105,000 00 114,975 00 

" 5-20 coupon bonds, '65, . . 10,000 00 10,950 00 

Sandy Hook Printing and Tel. Co. stock, . . 1,000 00 1,000 00 

W. I. and Panama Tel. Co. stock, . . . 10,000 00 3,000 00 

Mobile and Ohio R. R. 2d mort. bonds, . . 15,400 00 1,540 00 



$799,400 00 $891,180 00 



270 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December, 31 1876. 

Loans on mortgage of real estate (first liens),* $20,000 00 

700 00 

891,180 00 

505 04 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
deposited in bank and with 

bankers, 

Interest due and accrued, . . . . 
Premiums in course of collection (gross) , 
Notes taken for marine and inland risks, . 
Salvage on losses paid, . . . . 

Bills receivable, 

Gross Assets, . . . 



English 



46,745 03 
6,030 00 
53,478 96 
35,813 23 
45,000 00 
571 08 



-$1,100,023 34 



Liabilities. 

Losses adjusted, unpaid, . . 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance and salvage claims, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, . 
Re-insurance due other companies, . 

Bills payable, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$6,855 75 
41,956 00 
61,000 00 

,811 75 
10,790 97 



,020 78 

62,442 00 

3,195 00 

6,158 43 

34,768 60 

11,958 38 

362 90 



217,906 09 

$882,117 25 
662,080 00 

$220,037 25 



Income. 

Cash received for marine and inland prem's, . $463,664 53 

Deduct re-insurance, rebate and return prem's, 56,585 37 

Net cash received for marine and inl'd prem's, $407,079 16 

Unpaid premium notes received during the 
year, . . . . . $53,614 76 
Interest and dividends received from all sources, . . . 42,905 05 

Income from premiums on sale of gold, . . , . . 8,351 24 

Gross Cash Income, . , . " $458,335 45 

* Total value of property mortgaged, $60,000 00 

Amount of insurance held as collateral 15,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



271 



Expenditures. 

Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, ...... 

paid for commissions and brokerage, 
for salaries of officers and employes, 
in lieu of scrip dividends, . 



$206,079 27 
45,410 97 



$160,668 30 
66,414 80 
19,667 31 
48,081 55 
77,037 61 



Gross Cash Expenditures, $371,869 57 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$4,925,954 
33,425,349 



Premiums. 

00 $64,349 00 
00 447,179 49 



$38,351,303 
32,554,332 



00 $511,528 49 
00 434,469 49 



55,796,971 
1,099,603 



00 $77,059 00 
00 14,617 00 



$4,697,368 00 $62,442 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$33,917,689 00 

23,591,622 58 

2,677,082 00 

66,480 00 

206,079 27 

210,320 00 



GUARANTY FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 9, 1875. Commenced business April 9, 1875.] 

Paid-up Capital, $200,000. 

Wm. H. Bridgman, President. Secretary, Chas. D. Hartshorne. 

Office, No. 120 Broadway. 
Attorney to accept service, Cyrus Brewer, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds, 6s, 

" 6s, . 
" 3-65s, 

New York county bonds, . 

U U (( U 

Central Trust Co. (N. Y.) stock, 
Universal Life Ins. Co. stock, . 



Par value. 

$10,000 00 

26,000 00 

100,000 00 

1,000 00 

40,000 00 

5,000 00 

1,000 00 



Market value. 

$11,025 00 

29,445 00 

71,500 00 

1,150 00 

43,200 00 

5,000 00 

1,500 00 



$183,000 00 $162,820 00 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



10 shares American Exchange Bank, 
3 " Hoffman Fire Ins. Co., 
15 " Commercial Fire Ins. Co., 
20 " Hoffman Fire Ins. Co., 
10 " Hanover Fire Ins. Co., 
10 " Republic Fire Ins. Co., 



Market value. Loaned thereon. 

$1,200 00 $1,000 00 



1,125 00 
1,000 00 

1,600 00 
54,925 00 



750 00 
900 00 

450 00 



1,100 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $76,000 00 

Interest due or accrued thereon, . . . 1,260 00 

Stocks, bonds, etc., as per schedule, . . . 162,820 00 

Loans on collateral security, as per schedule, . 3,100 00 

Cash in the office of the company, . . . 2,480 48 

deposited in First Natl Bank, . . . 17,684 53 

Interest due and accrued, 400 00 

Premiums in course of collection (gross), . 17,194 34 

Gross Assets, 



280,939 35 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



1,706 60 
701 00 



$7,407 60 
843 97 

$6,563 63 
62,891 41 



69,455 04 

$211,484 31 
200,000 00 

$11,484 31 



Income. 

Cash received for fire premiums, . . . $171,046 52 
Deduct re-insurance, rebate and return prem 1 s, 33,930 08 

Net cash received for fire premiums, . . $137,116 44 

Interest received on bonds and mortgages, .... 5,320 00 
and dividends received from all other sources, . . 8,804 66 

Gross Cash Income, . . . . . . . . $151,241 10 

* Value of lands mortgaged, $29,000 00 

Value of buildings thereon, 107,000 00 

Total value of property mortgaged, . $136,000 00 

Amount of insurance held as collateral, 91,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



273 



Expenditures. 

Cash paid for fire losses, $74,830 70 

Deduct salvage and re-insurance, . . . 6,406 19 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



$68,424 51 

21,192 12 

22,096 09 

4,698 27 

21,146 18 

$137,557 17 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$3,689,068 00 $102,977 39 
16,068,014 00 161,087 86 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$24,757,082 00 $264,065 25 
■ 11,709,232 00 135,756 84 



$13,047,850 00 $128,308 41 
1,164,583 00 7,545 20 



$11,883,267 00 $120,763 21 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

incurred during the year, . 
Company's stock owned by directors, 



. $285,917 98 

. ■ 77,293 41 

64,813 14 

. 94,700 00 



GUARDIAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated February, 1865. Commenced business February, 1865.] 

Paid-up Capital, $200,000. 

Wm. C. Thompson, President. Secretary, Walter K. Paye. 

Office, No. 187 Broadway. 
Attorney to accept service, John J. E. Rotiierey, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 10-40 reg'd bonds, 
Harlem River and Pt. Chester R. R. bonds, 
Milwaukee and St. Paul R. R. S. F. bonds, 
Brooklyn city water bonds, 



35 



Tar value. Market value. 

$200,000 00 $227,000 00 

15,000 00 15,750 00 

5,000 00 4,350 00 

2,000 00 2,115 00 



$222,000 00 $249,215 00 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



20 shares Bank of Commerce, . 

15 " Niagara Ins Co., 

20 " Harlem Gas Light Co., 

16 " U. S. Life Ins. Co., . 
10 " Guaranty Fire Ins. Co., 
Milwaukee and St. Paul ft. R. bond, 



Market value. Loaned thereon. 



. . . $2,200 00 


$2,000 00 


900 00 


500 00 


1,100 00 


1,000 00 


1,200 00 


800 00 


800 00 


700 00 


860 00 


300 00 



$7,060 00, $ 5,300 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $23,300 00 

Interest due or accrued thereon, . . . 728 00 

Stocks, bonds, etc., as per schedule, . . . 249,215 00 

Loans on collateral security, as per schedule, . 5,300 00 

Cash in the office of the company, . . . 2,489 35 

deposited in bank, 10,108 45 

Interest due and accrued, 158 66 

Premiums in course of collection (gross), . 11,640 87 
Premiums more than 3 mos. due, . $310 00 

Gross Assets, $302,940 33 



Liabilities 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
=Paid-up capital, 



Surplus over capital, 



$3,100 00 

40,177 03 

800 00 

1,200 00 



45,277 OS 

. $257,663 30 
. 200,000 00 



$57,663 30 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's 
Net cash received for fire premiums, 
Cash received for marine and inland premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other 
Income from premium on gold, 



',024 96 
12,589 89 



Gross Cash Income, 




,435 07 

350 00 

1,296 40 

12,710 69 

203 53 



,995 69 



* Value of lands mortgaged, 
Value of buildings thereon, 



$22,500 00 
52,000 00 



Total value of property mortgaged, $74,500 00 

Amount of insurance held as collateral 28,800 00 



1876.] 



INS. COS. OF OTHER STATES. 



275 



Expenditures. 

Cash paid for fire losses, 

dividends -paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



$31,414 08 
20,000 00 
15,094 89 
17,590 00 
120 40 
10,024 72 



Gross Cash Expenditures, $94,244 09 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, $10,279,000 00 



written during 1876, . 

Total, . . 
Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, .... 

Marine risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



12,762,520 00 



Premiums. 

$86,589 69 
90,600 00 



$23,041,520 00 
10,670,630 00 


$177,189 69 
95,520 14 


$12,370,890 00 
896,105 00 


$81,669 55 
2,110 00 


$11,474,785 00 

$5,000 00 
5,000 00 


$79,559 55 

$350 00 
350 00 


$10,000 00 
5,000 00 


$700 00 
350 00 



$5,000 00 $350 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$956,505 13 

589,376 35 

137,000 00 

20,000 00 

30,032 30 

86,000 00 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
HANOVER FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 

Paid-up Capital, $ 500,000. 

Ben J. S. Walcott, President: Secretary, I. R. Lane. 

Office, No. 120 Broadway. 
Attorney to accept service, Joseph F. Hovey, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States reg'd bonds, 6s, 1867, . . . $370,000 00 

6s, 1865, . . . 220,000 00 

" " reg'd currency bonds, 6s, . . 50,000 00 

" reg'd bonds, 6s, 1881, . . . 20,000 00 

" « re o-i c | currency bonds, 6s, 1865, . 15,000 00 

New York county bonds, 6s, 1877, . . . 10,000 00 

" * " 6s, 1882, . . . 1,000 00 

" city assessment bonds, 6s, 1877, . 40,000 00 

city street imp. bonds, 6s, 1877, . 50,000 00 

city dept. park bonds, 6s, 1877, . 20,000 00 

Brooklyn assessment bonds, 7s, 1877, . . 50,000 00 

Wallabout Bay bonds, 7s, 1884, . 20,000 00 

public park loan bonds, 7s, 1917, . 30,000 00 

N. Y. Central R. R. 1st mort. bonds, 6s, 1883, . 20,000 00 

N. Y. and Harlem R. R. 1st mort, bonds, 7s, . 25,000 00 

400 shares N. Y. and Harlem R. R. Co., . . 20,000 00 

100 " Metropolitan Nat'l Bank, . . . 10,000 00 

115 " American Exchange Nat'l Bank, . 11,500 00 

100 " Central Trust Co., .... 10,000 00 



Market value. 

$119,025 00 
242,550 00 
60,875 00 
22,750 00 
16,537 50 
10,000 00 
1,040 00 
40,000 00 
50,000 00 
20,000 00 
50,000 00 
21,500 00 
35,400 00 
20,000 00 
30,000 00 
27,200 00 
12,800 00 
12,075 00 
11,000 00 



$992,500 00 $1,103,352 50 



Securities held as collateral for cash loans : — 



Union Pacific R. R. 1st mort. bonds, 
125 shares Ninth Nat'l Bank, . 

20 " American Fire Ins. Co., 

10 " United States Trust Co., 

10 " Pacific Fire Ins. Co., 
United States 5-20 coupon bond, 

15 shares Continental Ins. Co., 
200 

20 
5 

45 

10 

10 

10 



Metropolitan Nat'l Bank, 
Universal Life Ins. Co., 
Germania Fire Ins. Co., 
American Coal Co., . 
Metropolitan Nat'l Bank, 
Continental Ins. Co., 
Universal Life Ins. Co., 



United States 5-20 coupon bonds, 186S, 



Market value. Loaned thereon. 


$21,400 00 \ 
9,750 00 / 


$20,000 00 


1,500 00 


900 00 


3,450 00 y 




625 00 I 


2,650 00 


353 62 J 




2,025 00 


1,500 00 


25,600 00 


20,000 00 


3,000 00 


2,000 00 


400 00\, 
562 50 / 


600 00 


1,280 00 


1,000 00 


1,350 00 


900 00 


1,500 00 


800 00 


353 62 


300 00 



1876.] 



INS. COS. OF OTHER STATES. 



277 



Brooklyn city bridge bonds, 7s, 
44 shares Fifth Avenue Bank, . 



$1,000 00 
9,328 00 



$756 00 
4,000 00 



3,477 74 $55,406 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, . . 



$2,725 95 

311,525 00 

1,783 06 

1,103,352 50 

55,406 00 

9,725 26 

43,892 69 

4,525 25 

109,046 88 



.,642,882 59 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders. 
Paid-up capital, 



Surplus over Capital, 



,744 82 
27,729 50 
29,578 63 

$97,052 95 
750 00 

$96,302 95 

525,127 30 

879 91 

7,801 56 

3,377 73 



633,489 45 

1,009,393 14 

500,000 00 

$509,393 14 



Income. 
Cash received for fire premiums, . . . f 884,980 40 
Deduct re-insurance, rebate and return prem's, 76,112 86 

Net cash received for fire premiums, . . $808,867 54 

Interest received on bonds and mortgages, .... 22,006 76 
Interest and dividends received from all other sources, . . 70,594 53 

Gross Cash Income, $901,468 83 

* Value of lands mortgaged, $291,500 00 

Value of buildings thereon 430,000 00 

Total value of property mortgaged, $721,500 00 

Amount of insurance held as collateral, 317,950 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$405,871 46 
2,665 56 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 

Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 



In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,948,932 26 
87,566,500 19 



$403,205 90 
50,000 00 

131,915 82 
47,863 81 
18,010 74 

153,608 77 



$804,605 04 



Premiums. 

L,142,652 35 
891,181 93 



$184,515,432 45 
89,929,907 53 



,585,524 92 
2,319,405 00 



^2,033,834 28 
976,307 56 



.,057,526 72 
18,627 36 



$92,266,119 92 $1,038,899 36 



Miscellaneous. 

Premiums received from organization of company, . $8,163,065 08 

Losses paid from organization of company, . . . 4,275,231 00 

Cash dividends declared from organization of company, . 784,500 00 

Dividends declared during the year (10 per cent.), . . 50,000 00 

Losses incurred during the year, 408,901 46 

Company's stock owned by directors, 155,250 00 



HARTFORD FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 
Paid-up Capital, $1,000,000. 
George L. Chase, President. Secretary, J. D. Browne. 

Office at Hartford. 
Attorney to accept service, Joseph F. Hovet, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$51,100 00 $80,227 00 

46,700 00 75,187 00 

5,000 00 4,350 00 

15,000 00 21,600 00 

20,000 00 27,000 00 



Hartford Nat'l Bank, Hartford, . 
Phoenix Natl Bank, Hartford, . 
Conn. River Bank, Hartford, 
American Nat'l Bank, Hartford, 
Charter Oak Natl Bank, Hartford, 



1876.] 



INS. COS. OF OTHEE STATES. 



279 



Farmers and Mech. Nat'l Bank, Hartford, 

Mercantile Nat'l Bank, Hartford, 

First Nat'l Bank, Hartford, 

iEtna Nat'l Bank, Hartford, 

City Nat'l Bank, Hartford, 

Conn. Trust and S. D. Co., Hartford, 

American Exch. Nat'l Bank, N. Y., 

Nat'l Bank of Commerce, N. Y., 

Imp. and Traders' Nat'l Bank, N. Y.,. 

Bank of America, N. Y., . 

Manhattan Co. Bank, N. Y., 

Merchants' Nat'l Bank, N. Y., . 

Ocean Nat'l Bank, N. Y., . 

Union Nat'l Bank, N. Y., . 

Bank of No. America, N. Y., 

Metropolitan Nat'l Bank, N. Y., 

Fourth Nat'l Bank, N. Y., . 

Blackstone Nat'l Bank, Boston, . 

Nat'l Bank of Commerce, Boston, 

Second Nat'l Bank, Boston, 

Hide and Leather Nat'l Bank, Boston, 

Atlantic Nat'l Bank, Boston, 

First Nat'l Bank, Boston, . 

Boylston Nat'l Bank, Boston, 

Merchants's Bank (in liquidation), St. Louis, 

Union Nat'l Bank, Albany, 

First Nat'l Bank, Albany, . 

Montreal Bank, Montreal, . 

Ontario Bank, Bowmansville, . 

Conn. River Co., 

Conn. River R. R., . 

N. Y., N. H. and H. R. R., . 

Hannibal and St. Joseph R. R., . 

Lake Shore and Mich. So. R. R., 

United States reg'd bonds, 1881, 6s, 

" " gold bonds, 4|s, . 

Memphis city bonds, 6s, 
Tennessee state bonds, 6s, . 
Alabama state bonds, 8s, . 
South Carolina state bonds, 
Toledo, Ohio, water bond, 8s, . 
Watertown, N. Y., town bonds, 7s, 
Harlem R. and P. Chest. R. R. (guar'd), 7s, 
Hartf., Prov. and Fishkill R. R. bonds, 7s, 
City of New Brunswick, N. J., bonds, 7s, 
Pawtucket, R. I., town bonds, 7s, 
Chicago city certificates, 6s, 



$26,000 00 

15,000 00 

17,200 00 

31,500 00 

20,800 00 

23,000 00 

20,000 00 

20,000 00 

30,000 00 

30,000 00 

10,000 00 

25,000 00 

10,000 00 

10,000 00 

10,000 00 

30,000 00 

20,000 00 

14,100 00 

4,300 00 

10,900 00 

2,400 00 

3,900 00 

10,000 00 

12,500 00 

10,000 00 

6,200 00 

5,000 00 

30,000 00 

13,000 00 

12,000 00 

2,000 00 

70,000 00 

20,000 00 

20,000 00 

55,800 00 

100,000 00 

1,000 00 

33,000 00 

10,000 00 

20,000 00 

5,000 00 

3,500 00 

50,000 00 

50,000 00 

25,000 00 

75,000 00 



$33,540 00 

19,200 00 

17,630 00 

40,635 00 

19,760 00 

19,550 00 

21,175 00 

21,650 00 

57,000 00 

40,800 00 

13,100 00 

29,312 50 

2,500 00 

13,000 00 

9,400 00 

37,500 00 

20,000 00 

16,356 00 

4,880 50 

15,287 25 

2,592 00 

5,060 25 

20,125 00 

15,625 00 

3,500 00 

7,750 00 

8,000 00 

59,385 00 

14,327 30 

3,000 00 

2,640 00 

109,200 00 

2,800 00 

11,475 00 

65,286 00 

108,250 00 

1,000 00 

13,860 00 

3,500 00 

7,000 00 

5,000 00 

3,500 00 

58,000 00 

53,000 00 

25,000 00 

82,500 00 

10,000 00 



$1,160,900 00 $1,362,015 80 



280 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 



Loans on mortgage of real estate (fi 
Interest due and accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (g 
Rents due and accrued, 
Non-resident tax due, 
Gross Assets, . 



st liens),* 



oss), 



$348,175 60 

889,616 57 

43,108 85 

1,362,015 80 

375 48 

350,633 00 

7,094 10 

270,176 18 

2,203 50 

469 80 



1,273,868 88 



Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



. $174,987 76 
42,751 57 

. 925,125 16 

4,955 00 

25,500 00 



Surplus over Capital, . 



- 1,173,319 49 

$2,100,549 39 
. 1,000,000 00 

$1,100,549 39 



Income. 

Cash received for fire premiums, . . $1,842,315 12 
Deduct re-insurance, rebate and return prem's, 131,103 19 

Net cash received for fire premiums, . . — — $1,711,211 93 

Interest received on bonds and mortgages, .... 60,215 31 

Interest and dividends received from all sources, . . . 96,305 99 

Income from all other sources ; viz., rents, .... 8,625 71 

Gross Cash Income $1,876,358 94 

Expenditures. 

Cash paid for fire losses, . . . ..... $848,866 50 

dividends paid 198,390 00 

paid for commissions and brokerage, .... 249,118 80 

for salaries of officers and employes, . . . 115,597 99 

for state and local taxes, 36,513 11 

for office, agency and incidental expenses, . . 135,077 68 

Gross Cash Expenditures, ...... $1,583,564 08 



* Value of lands mortgaged $1,100,000 00 

Value of buildings thereon 1,081,200 00 

Total value of property mortgaged $2,181,200 00 

Amount of insurance held as collateral 856,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



281 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, $139,965,539 00 
written during 1876, . . . 143,073,274 00 



Premiums. 

51,788,946 36 
1,711,211 93 



Total, $283,038,813 00 

Deduct risks expired and terminated, . 148,787,427 00 

In force at end of year, . .. . $134,251,386 00 

Miscellaneous. 
Premiums received from organization of company, . $ 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, .... 



53,500,158 29 
1,892,244 98 



,607,913 31 



131,068,252 24 

20,188,652 02 

3,113,100 00 

198,390 00 

839,005 96 

253,000 00 



HOFFMAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated May, 1864. Commenced business May, 1864.] 

Paid-up Capital, #200,000. 

Marcus F. Hodges, President. Secretary, John D. Macintyke. 

Office, No. ISO Broadway. 
Attorney to accept service, John C. Paige, Boston. 

Detailed Statement of Stocks, 



United States 5-20 coupon bonds, '65, 
" reg'd bonds, 6s, '81, . 
" 5-20 reg'd bonds, '67, . 
" . coupon bonds, 5s, '81, . 
Nat'l Bank of Commerce stock, 
American Exchange Nat'l Bank stock, 
Bank of the Metropolis stock, . 
N. Y. Central and H. R. R. R. Co. stock, 



Securities held as collateral for cash loans :■ 



13 shares Bank of New York, 



69 
50 
29 

10 
20 
20 



Hope Fire Ins. Co., . 
Bank of the Metropolis, 
Star Fire Ins. Co., 

cc cc 

Brewers and Maltsters' Ins. Co., 
Third Avenue R. R. Co., . 



United States 5-20 bonds, 



36 



s, Bonds, Etc. 




Par value. 


Market value. 


. $26,500 00 


$29,216 25 


25,000 00 


28,381 25 


35,000 00 


39,637 50 


3,500 00 


3,920 00 


10,000 00 


10,800 00 


20,000 00 


21,100 00 


10,000 00 


10,000 00 


20,000 00 


20,000 00 


$150,000 00 


$163,055 00 


Market value. Loaned thereon. 


$1,825 00 


$1,250 00 


1,668 75 \ 
5,000 00 / 


5,000 00 




3,248 00 


1,800 00 


1,200 00 


800 00 


1,810 00 


1,500 00 


2,500 00 


1,500 00 


4,480 00 


4,000 00 


$21,731 75 


$15,850 00 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $178,993 00 

Interest due or accrued thereon, . . . 2,887 50 

Stocks, bonds, etc., as per schedule, . . . 163,055 00 

Loans on collateral security, as per schedule, . 15,850 00 

Cash in the office of the company, . . . 7,145 82 

deposited in various banks, . . . 13,969 64 

Interest due and accrued, 788 20 

Premiums in course of collection (gross), . 5,303 02 
Prem's more than 3 months due, . $936 47 

Gross Assets, — — 



— $387,992 18 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
Unearned premiums on outstanding risks 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus, as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$687 34 

7,258 66 

73,565 40 

795 45 



82,306 85 

$305,685 33 
200,000 00 

$105,685 33 



Income. 

Cash received for fire premiums, . . . $182,675 98 
Deduct re-insurance, rebate and return prem's, 22,965 15 

Net cash received for fire premiums, . . : $159,710 83 

Interest received on bonds and mortgages, .... 10,718 93 
Interest and dividends received from all other sources, . 10,816 12 

Gross Cash Income, $181,245 88 



Expenditures. 

Cash paid for fire losses, . . . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$118,304 99 
8,267 89 



$110,037 10 
20,000 00 
25,631 33 
20,640 00 
2,120 18 
19,520 17 



Gross Cash Expenditures, ... ... . . . $197,948 78 

* Value of lands mortgaged, " $204,900 00 

Value of buildings thereon, 198,600 00 

Total value of property mortgaged $403,500 00 

Amount of insurance held as collateral 122,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



283 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$15,927,016 84 $186,138 94 
16,733,374 23 182,108 28 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$32,660,391 07 $368,247 22 
17,840,107 43 217,641 00 



$14,820,283 64 $150,606 22 
423,461 33 4,523 61 



$14,396,822 31 $146,082 61 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Gash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



11,674,009 67 
1,096,583 35 
90,000 00 
20,000 00 
97,966 68 
78,850 00 



HOME INSURANCE COMPANY, COLUMBUS, OHIO. 

[Incorporated July, 1863. Commenced business January, 1864.] 

Paid-up Capital, $250,000. 

J. B. Hall, President. Secretary, H. N. Henderson. 

Office at Columbus. 
Attorney to accept service, Timothy T. Sawyer, Jr., Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 10-40 reg'd bonds, 

" " 5-20 reg'd bonds, 

Columbus and Hocking Val. R. R. bonds, 
Sciota Valley R. R. bonds, 
Columbus city and township bonds, . 



Par value. 
$70,000 00 
21,000 00 
25,500 00 
30,000 00 
15,980 00 



Market value. 

$79,100 00 
23,700 00 
25,500 00 
24,000 00 
15,980 00 



$162,480 00 $168,280 00 



Securities held as collateral for cash loans : — 



Bank stock, 
United States bonds, 
Railroad bonds, . 



Market value. Loaned thereon. 

$21,000 00 $10,827 00 

12,810 00 4,798 54 

1,000 00 475 00 



$34,810 00 $16,100 54 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 ; 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $34,500 00 

Loans on mortgage of real estate (first liens),* 114,298 77 

interest due or accrued thereon, . . . 15,209 00 

Stocks, bonds, etc., as per schedule, . . . 168,280 00 

Loans on collateral security, as per schedule, . 16,100 54 

Cash in the office of the company, . . . 1,337 18 

deposited in First Natl Bank, . . . 40,568 66 

Interest due and accrued, 5,500 00 

Premiums in course of collection (gross), . 53,150 85 

Notes taken for fire risks, 10,154 63 

Bills receivable, . . . . . . . 17,708 00 

Re-insurance due, .... $4,837 32 

Office furniture, etc., .... 3,277 41 

Gross Assets, . . . . . . 



$476,807 63 



Liabilities. 
Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$15,500 00 

8,000 00 

97,351 68 



120,851 68 



$355,955 95 
250,000 00 

$105,955 95 



Income. 

Cash received for fire premiums, . . . $308,547 15 
Deduct re-insurance, rebate and return prem's, 50,071 24 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Income from rents, 



$258,475 91 

23,899 97 

444 46 



Gross Cash Income, . $282,820 34 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 



$152,153 27 
1,050 00 



$151,103 27 
25,000 00 
46,113 04 
29,318 19 



* Value of lands mortgaged ~ . $378,740 00 

Value of buildings thereon, ' . 63,000 00 



Total value of property mortgaged, $441,740 00 

Amount of insurance held as collateral, 35,600 00 



1876.1 



INS. COS. OF OTHER STATES. 



285 



Cash paid for state and local taxes, 

for office, agency and incidental expenses, . 



Gross Cash Expenditures, 

Risks and Premiums. 

Fire risks outstanding December 31, 1875, $21,589,851 00 



written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . f 



20,995,839 00 

$42,585,690 00 
27,576,785 00 



$15,008,905 00 
65,900 00 



$13,834 13 
27,131 25 

$292,499 88 



Premiums. 

$313,458 87 
308,547 15 

$622,006 02 
426,333 70 

$195,672 32 
968 95 



$14,943,005 00 $194,703 37 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$3,507,013 38 

2,429,460 28 

159,626 60 

25,000 00 

149,403 27 

46,950 00 



HOME INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated May 29, 1869. Commenced business July 1, 1873.] 

Paid-up Capital, #200,000. 

Francis Mackin, President. Secretary, Wm. R. Freeman, 

Office at Newark. 
Attorney to accept service, Sewall A. Faunce, Kingston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $75,000 00 $84,500 00 

Citizens' Gas Light Co. bonds 16,500 00 16,500 00 

Montclair Gas and Water Co. bonds, . . 8,500 00 8,500 00 

Harrison town bonds, ..... 3,000 00 2,850 00 

Essex county bonds, . . . . . . 2,000 00 2,240 00 

Newark city bonds, 1,000 00 1,120 00 

Kearney town bonds, 1,000 00 950 00 

Nat'l State Bank stock, 1,300 00 1,508 00 



$108,300 00 $118,168 00 



286 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Merchants' Ins. Co. (Newark) stock, . . $4,000 00 $2,000 00 
American Trust Co., . . .... 3,00000 1,50000 

Citizens' Ins. Co. (N. Y.), \ n , nn nn 

xr *• i r n /xt v\ > 2,580 00 1,000 00 

National Ins. Co. (N. Y.), / 

$9,580 00 $4,500 00 

Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $27,431 53 

Loans on mortgage of real estate (first liens),* 86,400 00 

Interest due or accrued thereon, . . . 1,087 93 

Stocks, bonds, etc., as per schedule, . . . 118,168 00 

Loans on collateral security, as per schedule, . 4,500 00 

Cash in the office of the company, . . 1,570 33 

deposited in Nat'l State Bank, . .. . 7,487 74 

Interest due and accrued, . . . . . 190 86 

Premiums in course of collection (net), . . 8,999 69 

Gross Assets, $255,836 08 

Liabilities. 

Losses adjusted, unpaid, $84 39 

claimed and reported, . . . . 7,400 00 

Unearned premiums on outstanding risks, . 34,079 75 

Gross Liabilities, except capital, . . 41,564 14 

Surplus as regards Policy-holders, . . . . . $214,271 94 
Paid-up capital, 200,000 00 

Surplus over Capital, . • $14,271 94 

Income. 

Cash received for fire premiums, . . . $71,526 49 
Deduct re-insurance, rebate and return prem's, 13,162 35 

Net cash received for fire premiums, . . $58,364 14 

Cash received for marine and inland prem's, .... 11,866 56 
Interest received on bonds and mortgages, .... 6,330 35 
Interest and dividends received from all other sources, . . 10,303 01 

Gross Cash Income, $86,864 06 

Expenditures. 

Net cash paid for fire losses, $22,178 30 

for marine and inland losses, . . . . 7,886 43 

* Value of lands mortgaged $88,925 00 

Value of buildings thereon, 93,700 00 

Total value of property mortgaged, $182,625 00 

Amount of insurance held as collateral, 72,300 00 



1876.] 



INS. COS. OF OTHER STATES. 



287 



Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$16,000 00 

9,674 99 

9,000 00 

1,643 95 

10,999 51 



Gross Cash Expenditures, . $77,383 18 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, . ' . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$4,169,525 00 

7,647,937 00 

$11,817,462 00 

6,074,855 00 



),742,607 00 
122,341 00 



Premiums. 
$51,010 01 
74,435 80 

$125,445 81 
63,830 59 

$61,615 22 
1,270 65 



$5,620,266 00 $60,344 57 



$183,415 00 
1,269,970 00 

$1,453,385 00 
1,305,040 00 

$148,345 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.) , . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$3,100 50 

11,474 31 

$14,574 81 

11,799 75 



>,775 06 



$183,736 85 
54,755 66 
48,000 00 
16,000 00 
33,965 34 
93,700 00 



HOME INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 

Paid-up Capital, $3,000,000. 

Chas. J. Martin, President. Secretary, John H. Washburn. 

Office, No. 135 Broadway. 
Attorney to accept service, E. G. Snow, Jr., Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, 6s, 1881, .... $200,000 00 $227,500 00 

" 10-40 bonds, .... 100,000 00 113,375 00 

" bonds, 5s, 1881, .... 1,400,000 00 1,568,000 00 

cur. bonds, 6s, . . . . 500,000 00 608,750 00 



288 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Alabama state bonds, .... 

Mississippi state warrants, 
New York city bonds, 6s, 1879, 

7s, 1877, 

6s, 1877, 
Brooklyn city certificates, .... 
100 shares Hanover Natl Bank, N. Y., . 
200 " Am. Exchange Nat'l Bank, N. Y., 
100 " Fourth Nat'l Bank, N. Y., 
250 " St. Nicholas Natl Bank, N. Y., 
300 " Metropolitan Nat'l Bank, N. Y., 
300 " Merchants' Exch. Nat'l Bank, N. Y. 
200 " Mercantile Nat'l Bank, N. Y., . 
100 " Imp. and Traders' Nat'l Bank, N. Y. 
160 " Chatham Nat'l Bank, N. Y., . 
188 " Nat'l Bank of the Republic, N. Y., 
200 " Nat'l Bank of Commerce, N. Y., 
250 " Nat'l Butch, and Drov. Bank, N. Y. 
200 " Bank of America, N. Y., . 
200 " Manhattan Company, 
100 " United States Trust Co., . 



$10,000 00 
20,000 00 
52,800 00 
51,000 00 

7,900 00 
50,000 00 
10,000 00 
20,000 00 
10,000 00 
25,000 00 
30,000 00 
15,000 00 
20,000 00 
10,000 00 

4,000 00 
18,800 00 
20,000 00 

6,250 00 
20,000 00 
10,000 00 
10,000 00 



$3,300 
16,000 
54,384 
52,020 

7,979 
51,750 

9,300 
21,000 

9,800 
25,000 
38,250 
14,100 
23,000 
18,500 

5,440 
18,800 
21,700 

7,812 
26,400 
13,500 
34,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
50 
00 
00 
00 



$2,620,750 00 $2,989,660 50 



Securities held as collateral for cash loans : — 



20 shares St. Nicholas Nat'l Bank, 
10 " Continental Nat'l Bank, 
United States bonds, 5s, 1881, . 
350 shares St. Nicholas Nat'l Bank, 
United States bonds, 5s, 1881, . 

5-20 bonds, 1865 (new), 

It It «t (C It 

" (old), 
100 shares N. Y. Cent, and H. R. R. R., 

200 ' 
233 ' 

20 ■ 

50 ' 
100 ' 

50 ' 
402 ' 
100 ( 



N. Y. and Harlem R. R., . 
Union Trust Co., '. 
St. Nicholas Nat'l Bank, . 
N. Y. Cent, and H. R. R. R., 
; Safe Deposit Co., 
' N. Y. Cent, and H. R. R. R., 
1 Long Island Bank, . 
' Chatham Bank, . . • 

Metropolitan Gas Light Co. scrip, 
250 shares Central Trust Co., . 
139 " United States Life Ins. Co., 
United States 5-20 bonds, 1867, 
Brooklyn city bonds, 7s, 1915, . 
104 shares People's Bank, 
8 " Richmond Co. Gas Light Co., 



Market value. Loaned thereon. 

$2,000 00 $1,800 00 
500 00 

5,600 00 
35,000 00 

1,120 00 

2,185 00 

2,185 00 

2,185 00 
10,125 00 
13,500 00 
34,950 00 ^ 

2,000 00/ 

5,062 50 



} 

} 
} 



350 00 

5,000 00 

30,000 00 

2,850 00 

4,000 00 

16,500 00 

25,000 00 



2,750 00 

5,062 50 

25,728 00 

3,400 00 

1,197 00 

26,000 00 

11,120 00 

5,637 50^ 

5,900 00 ' 



2,700 00 
2,000 00 
3,000 00 

20,000 00 
3,000 00 
1,000 00 

2J,000 00 
6,950 00 



3,640 00 



} 10,000 00 



400 00 J 



1876.] 



INS. COS. OF OTHER STATES. 



289 



N. Y. city stock, 1878, 
80 shares Fulton Bank of Brooklyn, 
20 " Continental Ins. Co., 
200 " N. Y. Mut. Gas Light Co., 
250 " L. S. and Mich. So. R. R., 
35 " Imp. and Traders Nat'l Bank, 
United States 5-20 bonds, 1865 (old), 
20 shares Natl Park Bank, 
25 " United States Life Ins. Co., 
Fonda, Johnst'n and Glov. R. R. bonds, 
Gloversville and Northville R. R. bonds, 
33 shares Shoe and Leather Bank, 
14 " N. Y., N. H. and H. R. R., 
17 " Home Life Ins. Co., . 
Commercial Mut. scrip, 1870, . 
50 shares Fifth Ave. Bank, 
50 " Metropolitan Nat'l Bank, 
200 " Nat'l Broadway Bank, 
50 " Metropolitan Nat'l Bank, 
United States 5-20 bonds, 1865, 
500 shares L. S. and Mich. So. R. R., 
500 " Western Union Tel. Co., 
Georgia state cur. bonds, 7s, 
Yonkers city bonds, 7s, 
Westchester town bonds, 7s, 
United States 5-20 bonds, 1865 (old) 
Brooklyn city bonds, 7s, . 
93 shares 42d St. and Grand St. R. R 
Georgia state gold bonds, 7s, . 

" " cur. bonds, 7s, 

United States coupon bonds, 5s, 1881 
Kings county bonds, 7s, 
Morrisania town bonds, 7s, 
Oswego city bonds, 7s, 



$1,530 

6,000 

2,700 

22,000 

14,250 

6,475 

54,625 

2,160 

2,000 

51,750 

15,000 

4,455 

2,100 

2,550 

9,189 

10,100 

6,375 

10,000 

6,375 

109,250 

28,500 

35,500 

11,025 

3,060 

3,000 

1,092 

2,060 

11,625 

27,000 

5,250 

7,810 

5,250 

2,020 

11,025 



} 



$1,000 00 
6,000 00 

5,000 00 

8,881 35 
5,500 00 
25,000 00 
1,400 00 
1,250 00 

50,000 00 
8,000 00 

15,000 00 

5,000 00 
5,000 00 
5,000 00 

150,000 00 

9,000 00 
2,000 00 

5,000 00 

9,000 00 
26,000 00 

6,500 00 
16,000 00 



$700,379 00 $519,681 35 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $6,800 19 
Loans on mortgage of real estate (first liens),* 2,011,453 00 
Interest due or accrued thereon, . . . 57,350 94 
Stocks, bonds, etc., as per schedule, . . . 2,989,660 50 
Loans on collateral security, as per schedule, . 519,681 35 
deposited in various banks, . . . 342,311 22 



* Value of lands mortgaged, $2,581,000 00 

Value of buildings thereon 2,313,000 00 

Total value of property mortgaged, $4,894,000 00 

Amount of insurance held as collateral, 1,577,600 00 

37 



290 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued, . . . . . $15,646 71 
Premiums in course of collection (net), . . 161,746 91 

Gross Assets, ~— -$6,104,650 82 



Liabilities. 

Losses adjusted, unpaid, 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, 
Gross Liabilities, except capital, . 

Surplus as regards Policy-holders, 
Paid-up capital, 

Surplus over Capital, . 



$46,758 02 

177,916 53 

20,335 60 

$245,010 15 
2,982 91 

$242,027 24 

1,858,464 68 

1,375 00 



- 2,101,866 92 

$4,002,783 90 

3,000,000 00 

$1,002,783 90 



Income. 

Cash received for fire premiums, . . $3,128,356 88 
Deduct re-insurance, rebate and return prem's, 227,323 56 

Net cash received for fire premiums, . . $2,901,033 32 

Interest received on bonds and mortgages, .... 133,050 03 
Interest and dividends received from all other sources, . . 173,911 03 

Gross Cash Income, $3,207,994 38 

Expenditures. 
Cash paid for fire losses, ..... $1,598,637 63 
Deduct salvage and re-insurance, . . . 14,255 22 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commission and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 

Gross Cash Expenditures, 

Risks and Premiums. 

Fire risks outstanding December 31, 1875, $356,804,236 00 



L,584,382 41 
301,280 00 
546,704 45 
254,723 05 
65,375 45 
257,059 28 

5,009,524 64 



Premiums. 

1,765,389 00 



written during 1876, . 

Total, . . . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



368,927,425 00 3,128,356 88 



$725,731,661 00 $6,893,745 88 
373,482,190 00 3,184,831 41 



$352,249,471 00 $3,708,914 47 
6,095,161 00 70,671 47 



$346,154,310 00 $3,638,243 00 



1876.] 



INS. COS. OF OTHER STATES. 



291 



Miscellaneous. 

Premiums received from organization of company* , 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$40,789,332 37 

25,755,158 68 

4,015,000 00 

300,000 00 

1,596,452 38 

630,300 00 



HOWARD INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 16, 1825. Commenced business April 19, 1825.] 

Paid-up Capital, $500,000. 

Samuel T. Sridmore, President, Secretary, Charles A. Hull, 

Office, No. 66 Wall Street. 
Attorney to accept service, Albert Bowker, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States currency bonds, 6s, . . . $200,000 00 $244,000 00 

" 6s, 1881, . . 60,000 00 68,400 00 

" 6s, 1867, . . 40,000 00 45,600 00 

" 5s, 1881, . . 60,000 00 67,200 00 

New York state bonds, 7s, 1877, . . . 5,000 00 5,050 00 

city bonds, 6s 30,000 00 31,500 00 

14 county bonds, 6s 5,000 00 5,300 00 

Del. and Hud. Canal Co., 1st mort. gold b'ds, 7s, 7,000 00 7,840 00 

bonds, 7s, . 50,000 00 52,450 00 

Metropolitan Natl Bank stock, .... 10,000 00 12,800 00 

Phenix Natl Bank stock, ..... 5,000 00 5,000 00 

American Exchange Natl Bank stock, . . 16,000 00 16,960 00 

Natl Bank of Commerce stock, . . . 5,500 00 5,940 00 

New York Gas Light Co. stock, . . . 5,000 00 7,000 00 

Manhattan Gas Light Co. stock, . . . 2,500 00 6,250 00 

$501,000 00 $581,290 00 



Securities held as collateral for cash loans :— 

American Exchange Natl Bank stock, 
Manhattan Co. (Bank), stock, • 
Merchants 1 Natl Bank stock, 



Market value. Loaned thereon. 



$1,484 00 


$1,300 00 


2,800 00 


1,000 00 


1,200 00 


350 00 



.,484 00 $2,650 00 



292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $125,000 00 

Loans on mortgage of real estate (first liens),* 42,800 00 

Interest due or accrued thereon, . . . 636 41 

Stocks, bonds, etc., as per schedule, . . . 581,290 00 

Loans on collateral security, as per schedule, . 2,650 00 

Cash deposited in various banks, . . . 20,217 51 

Interest due and accrued, 4,169 75 

Premiums in course of collection (net), . . 15,96196 

Rents due and accrued, 1,187 51 

Gross Assets ■ 



$793,913 14 



Liabilities. 
Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, 

Bills payable, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, .... 



Surplus over Capital, 



$2,567 90 

1,700 00 

98,594 74 

378 00 

49 49 



103,290 13 

$690,623 01 

500,000 00 

$190,623 01 



Income. 

Cash received for fire premiums, . . . $192,497 72 
Deduct re-insurance, rebate and return prem's, 16,008 42 
Net cash received for fire premiums, . . ■ — — — — $176,489 30 
Cash received for marine and inland premiums, ... 3468 
Interest received on bonds and mortgages, .... 3,745 16 
Interest and dividends received from all sources, . . . 33,105 32 
Income from all other sources ; viz., rents, $3,500 ; miscella- 
neous, 1 300.12, 3,800 12 

Gross Cash Income, . $217,174 58 



Expenditures. 

Cash paid for fire losses, $61,483 00 

Deduct salvage and re-insurance, . . . 4,998 95 

Net cash paid for fire losses $56,484 05 

Cash dividends paid, 59,622 00 

paid for commissions and brokerage, .... 19,657 18 
for salaries of officers and employes, . . . 33,100 61 
for state and local taxes, . ...... 9,857 17 

* Value of lands mortgaged $74,500 00 

Value of buildings thereon, 75,500 00 

Total value of property mortgaged, $150,000 00 

Amount of insurance held as collateral, 26,500 00 



1876.] 



INS. COS. OF OTHER STATES 



293 



Cash paid for office, agency and incidental expenses, 
for improvements on real estate, 
for interest on borrowed money, 



$18,359 51 

14,368 12 

15 14 



Gross Cash Expenditures, . . . . . . . $211,463 78 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1876, 
Deduct risks expired and terminated, 



$23,544,469 00 
25,237,484 00 



Premiums. 

$202,690 11 
193,715 57 



$48,781,953 00 
25,362,153 00 



$396,405 68 
216,320 71 



$23,419,800 00 
809,585 00 



$180,084 97 
4,473 81 



$22,610,215 00 $175,611 16 



$11,397 00 
11,397 00 



$34 68 
34 68 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent), 
Losses incurred during the year, .... 
Company's stock owned by directors, 



£6,048,336 00 

4,171,701 00 

1,895,875 00 

60,000 00 

52,375 96 

83,950 00 



HUMBOLDT INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated March, 1870. Commenced business May, 1870.] 

Paid-up Capital, #200,000. 

E. W. McClave, President. Secretary, H. D. Condit- 

Office, No. 753 Broad Street. 

Attorney to accept service, H. K. Merrifield, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. * Market value. 

United States bonds, 4^s, $10,000 00 $10,825 00 



Securities held as collateral for cash loans : — 
12J shares Citizens 1 Gas Co., 



Market value. Loaned thereon. 

$625 00 $300 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Premiums in course of collection (net), . 
Gross Assets, . 



$35,000 00 

190,892 00 

7,697 88 

10,825 00 

300 00 

1,298 43 

25,137 56 

23,546 15 



$294,697 02 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . . 



Surplus over Capital, 



$7,709 21 

4,129 80 

3,722 82 

66,981 79 



82,543 62 

$212,153 40 
200,000 00 

$12,153 40 



Income. 

Cash received for fire premiums, . . . $142,541 71 
Deduct re-insurance, rebate and return prem's, 15,881 11 

Net cash received for fire premiums, . . — $126,660 60 

Interest received on bonds and mortgages, .... 17,593 80 
Interest and dividends received from all other sources, . . 1,232 71 
Income from profit and loss account,, 10,826 69 

Gross Cash Income, $156,313 80 



Expenditures. 

Cash paid for fire losses, . . . . 

for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, . 
for office, agency and incidental expenses, 



$122,315 48 

23,282 49 

7,046 00 

3,969 43 

13,271 51 



Gross Cash Expenditures, . . . .... $169,884 91 



* Value of lands mortgaged, 
Value of buildings thereon, 



Total value of property mortgaged, 
Amount of insurance held as collateral . 



$332,120 00 
203,180 00 

$535,300 00 
137,575 00 



1876.1 



INS. COS. OF OTHER STATES. 



295 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$8,839,764 00 $145,792 13 
10,214,770 00 157,116 65 



$19,054,534 00 $302,908 78 
10,465,153 00 170,967 85 



5,589,381 00 $131,940 93 
80,724 00 1,035 40 



5,508,657 00 $130,905 53 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$866,180 38 

469,108 80 

37,671 67 

110,463 00 

115,100 00 



PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA, PHILADELPHIA, PA. 

[Incorporated April 14, 1792. Commenced business, 1794.] 
Paid-up Capital, $2,000,000. 

Arthur G. Coffin, President. Secretary, Matthias Maris. 

Office, No. 232 Walnut Street. 

Attorney to accept service, George E. Foster, Boston. 



Detailed Statement 



United States bonds, . 
Pennsylvania state loan (gold), 

" 6s, 
New Jersey state bonds, 6s, 
Delaware state bonds, 6s, . 
Connecticut state bonds, 6s, 
Philadelphia city bonds, 6s, 
Pittsburgh city bonds, 7s, . 
Milwaukee city bonds, 7s, . 
Cincinnati city bonds, 
Indianapolis city bonds, 7 I 3 77 s, 
Hartford city bonds, 6s, 
Rochester city bonds, 7s, . 
Columbus city bonds, 8s, . 
Fall River city bonds (gold) , 5s 
Toledo city bonds, 8s, 
Harrisburg city bonds, 6s, . 



5s, 



of Stocks, Bonds, Etc. 

Par value. Market value. 

$1,000,000 00 $1,123,625 00 

10,000 00 10,400 00 

106,000 00 122,960 00 

54,000 00 61,020 00 

10,000 00 10,500 00 

95,000 00 104,500 00 

200,000 00 224,000 00 

50,000 00 53,000 00 

50,000 00 52,000 00 

60,000 00 63,020 00 

30,000 00 31,200 00 

50,000 00 52,000 00 

25,000 00 27,500 00 

15,000 00 16,350 00 

30,000 00 30,000 00 

21,000 00 22,260 00 

15,000 00 15,150 00 



296 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Providence city bonds (gold), 5s, 
Newark city bonds, 7s, 
Cleveland city bonds, 7s, . 
Boston city bonds, 6s, . 
Williamsport city bonds, 6s, 
Bellefonte borough bonds, 6s, . 
Penn. R. R. 1st mortgage bonds, 
Delaware R. R. loan, .... 
Chesapeake and Del. Canal Co. loan, 
No. Pennsylvania R. R. bonds, 6s, 

" " 7s, . 

Dela. Division Canal Co. loan, . 
Dela. and Raritan C. Co. and C. and A. R. R 

and T. Co., 

Lehigh Coal and Nav. Co. convert, loan, 
Lehigh Valley R..R. Co. loan, 6s, 

It It « « 7g 

American S. S. Co. bonds, . 

Phila. and Reading R. R. reg'd bonds, 7s, 

" " " mort. bonds, 

Pennsylvania R. R. Co. consol'd 1st mort. loan 
South Carolina state bonds, 
Lehigh Valley R. R. Co. mort. bonds, 
United R. R. Co. (N. J.) bonds, 
Phila. and Reading R. R. 1st mort. bonds 
Wm. Cramp & Sons' Dry Dock reg'd loan, 6s, 
Phila., Wil. and Balti. R. R. loan, . 
Wrecking steamer " No. America," . 
100 shares Philadelphia Nat'l Bank, . 
228 " Chesapeake and Del. C. Co., 
300 " Phil., Germ't and Norris't R. R 
Peoria county (111.) bonds, 7s, . 
Philadelphia city warrants, 6s, . 
Dayton city bonds, 8s, 
Burlington city bonds, 8s, . 
University of Penna. mort. bond, 
Penn. and N. Y. Canal and R. R. Co. loan 
Penn. R. R. Co. N. Y. bonds, . 
50 shares Merchants' News Assoc, N. Y., 
Mutual Ins. scrip, . . 



$25,000 00 

20,000 00 

45,000 00 

200,000 00 

3,000 00 

6,000 00 

50,000 00 

25,000 00 

37,000 00 

30,000 00 

5,000 00 

13,800 00 

11,000 00 
14,000 00 
50,000 00 
25,000 00 
40,000 00 
5,000 00 
78,000 00 

100,000 00 
11,000 00 
50,000 00 
42,000 00 
50,000 00 
29,000 00 
39,000 00 
50,000 00 
10,000 00 
11,400 00 
15,000 00 

100,000 00 
826 31 
11,000 00 
12,900 00 
25,000 00 
30,000 00 
50,000 00 
1,000 00 
17,500 00 



$26,250 00 

21,800 00 

49,050 00 

226,000 00 

2,700 00 

5,400 00 

53,000 00 

25,750 00 

31,820 00 

31,800 00 

5,450 00 

13,210 00 

11,220 00 

14,000 00 

54,500 00 
28,750 00 

33,600 00 

5,250 00 

75,380 00 

100,000 00 

5,000 00 

49,000 00 

42,420 00 

50,000 00 

29,000 00 

40,950 00 

50,000 00 

18,000 00 

5,016 00 

29,700 00 

100,000 00 

826 31 

11,880 00 

12,960 00 

25,000 00 

32,700 00 

50,000 00 

1,000 00 

13,449 00 



1,159,426 31 $3,401,316 31 



Securities held as collateral for cash loans :- 

Harrisburg city bonds, 6s, . 
1000 shares Ins. Co. of No. America, 
Schuylkill Navigation bonds, . 
Catawissa R. R. Co. bonds, 7s, . 



Market value. Loaned thereon. 

$12,500 00 >j 
34,000 00 I $26,000 00 
3,400 00 J 
5,100 00 5,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



297 



2000 shares Mutual Gas Light Co., . 
1000 " Ins. Co. of No. America, 
1738 " Gloucester Manuf 'g Co., 
3361 " Ins. Co. of No. America, 

95 " Penna. R. R. Co., . 
Phila. and Reading R. R. Co. bonds, 6s, 
200 shares Phila., Germ't and Norris't R. 
500 " Penna. R. R. Co., 
Phila. and Reading R. R. Co. bonds, 7s, 
Philadelphia city bonds, 6s, 





$20,600 00 \ 


$25,000 00 




34,000 00/ 






52,140 00 


43,400 00 




. 114,274 00 


45,042 50 




4,560 00 


3,400 00 




4,000 00 


4,000 00 


R., 


19,800 00 ^ 
24,000 00/ 


33,000 00 




6,360 00 


3,000 00 




3,000 00 


2,450 00 



$337,734 00 $190,292 50 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $102,500 00 
Loans on mortgage of real estate (first liens),* 1,616,950 00 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company and depos- 
ited in bank, 

Interest due and accrued, . 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Gross Assets, .... 



. 24,545 26 

3,401,316 31 

190,292 50 

686,780 13 

4,449 83 

289,362 28 

285,687 57 



1,601,883 88 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . 



$21,285 00 

292,865 00 

17,850 00 

1,553,553 65 

349,957 79 



2,235,511 44 



$1,366,372 44 
2,000,000 00 

$2,366,372 44 



Income. 

Cash received for fire premiums, . . $1,503,306 48 
Deduct re-insurance, rebate and return prem's, 124,455 97 

Net cash received for fire premiums, . $1,378,850 51 

Cash received for marine and inland prem's, $2,051,967 38 
Deduct re-insurance, rebate and return prem's, 246,713 28 
Net cash received for marine and inl'd prem's, 1,805,254 10 



* Total value of property mortgaged, , . . $4,114,800 00 

Amount of insurance held as collaterals 964,480 00 

38 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unpaid premium notes received during the 

year, $266,905 69 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., perpetual prem 1 s (net), 
Deposits rec'd for perpet'l fire risks, . . . $9,536 64 
Received for increased capital, . . . $1,000,000 00 



Gross Cash Income, 



$65,922 88 

198,567 83 

2,323 62 



5,450,918 94 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 

Gross Cash Expenditures, 



$693,108 94 
11,586 64 

1,474,363 17 
163,603 51 



$681,522 30 



1,310,759 66 
200,000 00 
342,395 76 
100,322 17 
69,823 49 
240,769 21 

$2,945,592 59 



Risks and Premiums. 
Fire risks outstanding December 31, 1875, $174,596,333 00 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



121,778,491 00 

$296,374,824 00 
133,682,935 00 



Premiums. 

$2,690,416 24 
1,505,630 10 

$4,196,046 34 
1,750,049 76 



$162,691,889 00 $2,445,996 58 



$9,715,363 00 

187,694,676 00 

$197,410,039 00 

185,089,277 00 



$130,467 24 

2,051,967 38 

^2,482,434 62 

2,059,880 97 



$12,320,762 00 $422,553 65 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, .... 
Company's stock owned by directors, 



^67,186,428 00 

39,991,981 96 

8,850,000 00 

200,000 00 

2,263,771 81 

86,280 00 



1876.] 



INS. COS. OF OTHER STATES. 



299 



THE INSURANCE COMPANY OF THE STATE OF PENNSYL- 
VANIA, PHILADELPHIA, PA. 

[Incorporated April 18, 1794. Commenced business November 5, 1794.] 

Paid-up Capital, $200,000. 

Henry D. Sherrerd, President. Secretary, Jos. H. Hollinshead. 

Office at Philadelphia. 
Attorney to accept service, Richard Pope, Boston. 



Detailed Statement of Stocks, 



20 shares Union Ins. Co., .... 

30 " Pennsylvania Fire Ins. Co., 

20 " Philadelphia Bank, . 
284 " Lehigh Valley R. R. Co., . 
136 " Phila. Germ'n and Norris'n R. R., 
262 " Phila. Wil. and Balti. R. R., . 
350 " Lehigh Coal and Nav. Co., 

20 " Phila. and Southern Mail S. S. Co 
5 " Susquehanna and York Turnp. Co 

10 " Easton and Wilkesbarre Turnp. Co 
100 " Centennial Board of Finance, . 

40 " Phila. and Lancaster Turnp. Co., 
Lehigh Coal and Nav. Co. bonds, 
Chesapeake and Del. Canal Co., bonds, . 
Schuylkill Navigation Co., bonds, 
Pennsylvania R. R. Co. bonds, . 
Harrisb'g, P., Mt. J. and Lane. R. R. bonds, 
Camden and Amb. R. R., and Del. and Rari 

Canal and Trans, bonds. 
No. Pennsylvania R. R. Co. bonds, . 
West Jersey R. R. Co. bonds, . 
Philadelphia city bonds, 6s, 
American S. S. Co. of Phila. bonds, . 
Railway Equipment Trust of Penn., . 
Delano Land Co., bonds, . 
Mutual Ins. Co. scrip, 
United States bonds, 4|s (gold), 



Bonds, Etc. 

Par value. 

$200 00 

3,000 00 

2,000 00 

14,200 00 

6,800 00 

13,100 00 

17,500 00 

2,500 00 

500 00 

250 00 

1,000 00 

200 00 

10,000 00 

5,000 00 

3,000 00 

15,000 00 

15,000 00 

5,000 00 

10,000 00 

30,000 00 

30,000 00 

20,000 00 

8,000 00 

10,000 00 

865 00 

10,000 00 



Market value. 

$200 00 

4,350 00 

3,440 00 

13,632 00 

13,498 00 

16,375 00 

11,069 00 

240 00 

300 00 

100 00 

500 00 

200 00 

10,400 00 

4,350 00 

1,950 00 

16,500 00 

15,750 00 

5,475 00 

10,850 00 

25,500 00 

33,600 00 

17,000 00 

8,000 00 

10,000 00 

865 00 

10,825 00 



$233,115 00 $234,969 00 



Securities held as collateral for cash loans : — 
313 shares Penn. and N. Y. Canal and R. R, s 

1 1 4k 44 44 44 44 

Houston and Texas R'w'y 1st mort. bond, 7s, 
Phila. and Reading R. R. con. mort. bonds, 
10 shares Trust Co., Penn., 



Market value. Loaned thereon. 

$31,300 00 $25,000 00 

10,450 00 

885 00 

6,860 00 

9,500 00 



| 10,200 00 

\ 15,000 00 
J 



300 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



500 shares Lehigh Valley R. R., 
500 " " " " 

Pittsb'g, Cin. and St. Louis R. R. bonds, 
200 shares Fidelity T. and S. Dep. Co., 



$24,125 00 $20,000 00 

24,125 00 20,000 00 

28,215 00 24,000 00 

36,000 00 30,000 00 



$171,460 00 $144,200 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $172,850 00 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, . 

Gross Assets, 



4,720 53 

234,969 00 

144,200 00 

346 74 

22,785 85 

2,748 00 

21,551 26 

17,803 04 



$621,974 42 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, 

Bills payable, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



} 



$35,054 00 

122,839 06 

77,214 10 

744 00 

2,238 31 

2,298 38 



240,387 85 

$381,586 57 

200,000 00 

$181,586 57 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $17,803 04 

Interest received on bonds and mortgages, 



$158,705 94 
18,093 92 

$118,197 30 
41,096 19 



$140,612 02 



77,101 11 



5,697 60 



* Value of lands mortgaged $108,800 00 

Value of buildings thereon 228,700 00 

Total value of property mortgaged, $337,500 00 

Amount of insurance held as collateral, 130,700 00 



1876.] 



INS. COS. OE OTHER STATES. 



Interest and dividends received from all other sources, . 
Income from all other sources, including $4,253.01 pre- 
mium on gold, 

Deposits received for perpetual fire risks, . $4,409 50 



301 

$27,864 62 
6,682 30 



Gross Cash Income, $257,957 65 



,264 92 
1,170 41 



$139,695 11 
20,973 30 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes 

for state and local taxes, . 

for all other items ; viz., profit and loss, $2,743.56 ; 
office, agency and incidental expen's, $13,414.86, 



,094 51 



118,721 81 

23,832 00 

24,025 52 

11,300 00 

4,798 33 

16,158 42 



Gross Cash Expenditures, $264,930 59 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Miscellaneous. 
Losses paid from organization of company, 

incurred during the year, 
Company's stock owned by directors, 



$14,949,792 00 
16,389,703 00 



Premiums. 

$180,753 38 
158,705 94 



$31,339,495 00 
15,231,570 00 



$16,107,925 00 
289,505 00 



$339,459 32 

175,725 60 

$163,733 72 

2,589 63 



$15,818,420 00 $161,144 09 



$2,865,701 00 
6,955,640 00 

$9,821,341 00 
7,349,004 00 

$2,472,337 00 
221,830 00 



$74,012 66 
118,197 30 

$192,209 96 
147,832 53 

$44,377 43 
4,273 16 



>,250,507 00 $40,104 27 



,571,735 00 

237,964 00 

24,800 00 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

IRVING INSURANCE COMPANY OF THE CITY OF NEW YORK, 

N. Y. 

[Incorporated April 30, 1872. Commenced business April 30, 1872.] 

Paid-up Capital, $200,000. 

Martin L. Crowell, President. Secretary, James M. Wilson. 

Office, No. 157 Broadway. 
Attorney to accept service, J. Edward Hollis, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States reg'd bonds, 1904, . . . $155,000 00 $175,925 00 

" coupon bonds, 1904, . . . 35,000 00 39,812 50 

" 1885, . . . 10,000 00 11,025 00 



$200,000 00 $226,762 50 



Securities held as collateral for cash loans :— 

Chicago and Alton R. R. stock, . 

Home Ins. Co. stock, 



Market value. Loaned thereon. 



$11,000 00 
2,250 00 



\ $10,000 00 



$13,250 00 $10,000 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

more than 3 mos. due, . $533 83 
Gross Assets, ...... 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 



> $63,100 


00 


368 


08 


. 226,762 


50 


10,000 


00 


2,838 


05 


41 


66 


7,223 
> 


20 


> 


<£Qin QQQ AQ 


$46 35 


1,304 


00 


1,000 


00 


45,213 


96 


766 


66 



* Value of lands mortgaged, • $115,000 00 

Value of buildings thereon, . 71,000 00 

Total value of property mortgaged, $186,000 00 

Amount of insurance held as collateral, 66,050 00 



1876.] INS. COS. OF OTHER STATES. 

$902 90 



Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



303 



,233 87 



1261,099 62 
200,000 00 

161,099 62 



Income. 

Cash received for fire premiums, . . . $94,599 48 
Deduct re-insurance, rebate and return prem's, 6,196 10 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, 

Gross Cash Income, 

Expenditures. 



Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, . . . . 

Risks and Premiums. 

Fire risks outstanding December 31, 1875, $9,632,721 00 
written during 1876, . . . 9,662,473 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$19,295,194 00 
10,888,243 00 



5,406,951 00 
93,750 00 



1,313,201 00 



Miscellaneous. 

Premiums received from organization of company, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, .... 
Company's stock owned by directors, 



,403 38 
5,124 00 
10,164 73 

$103,692 11 



$35,834 59 

20,000 00 

12,234 67 

14,267 00 

1,307 86 

10,277 60 

$93,921 72 



Premiums. 
$113,490 45 
87,104 26 

$200,594 71 
111,341 43T 



,253 28 
927 13 

,326 15 



$506,258 32 
74,000 00 
20,000 00 
29,707 92 
86,100 00 



304 FIRE, MARINE, AND FIRE-MAKINE [Dec. 31, 
LAMAR INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 3, 1872. Commenced business April 3, 1872.] 

Paid-up Capital, $200,000. 

Isaac R. St. John, President. Secretary, Wm. R. MacDiarmid. 

Office, No. 184 Broadway. 
Attorney to accept service, T. T. Sawyer, Jr., Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

$81,000 00 

150,000 00 

35,000 00 

5,000 00 

7,500 00 

7,500 00 



United States 5-20 bonds, 1865, . 

1867,. 
" bonds, 6s, 1881, . 
50 shares Nat'l Bank of the Republic, 
75 " Nat'l Bank of Commerce, . 
75 " St. Nicholas Nat'l Bank, . 



Market value. 

$89,707 50 

170,625 00 

39,900 00 

3,750 00 

8,100 00 

7,875 00 



$286,000 00 $319,957 50 



Securities held as collateral for cash loans :• 

16 shares Mechanics' Bank, Brooklyn, 
40 " Gas Light Co., Baltimore, . 
48 " Long Island Bank, Brooklyn, . 
Queens county bonds, .... 



Market value. Loaned thereon. 

$1,200 00 $700 00 

6,400 00 5,000 00 

2,400 00 

7,000 00 



} 



7,500 00 



$17,000 00 $13,200 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $56,400 00 

Stocks, bonds, etc., as per schedule, . . . 319,957 50 

Loans on collateral security, as per schedule, . 13,200 00 

Cash in the office of the company, . . . 5,104 78 

deposited in various banks, . . . 5,309 99 

Premiums in course of collection (gross), . 8,830 43 

Notes taken for marine and inland risks, . . 2,465*94 

Gross Assets, $411,268 64 



Liabilities. 

Losses claimed and reported, .... $8,100 00 

disputed or resisted, . . ... 2,000 00 

Unearned premiums on outstanding risks, . 66,861 99 

Commissions and brokerage, . . x .'. 1,229 45 

* Value of lands mortgaged, $39,500 00 

Value of buildings thereon, 84,500 00 

Total value of property mortgaged, $124,000 00 

Amount of insurance held as collateral 56,400 00 



1876.] 



INS. COS. OF OTHER STATES. 



305 



Return premiums, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$305 14 



- $78,496 58 

. $332,772 06 
. 200,000 00 



$132,772 06 



Income. 

Cash received for fire premiums, . . . $144,340 19 

Deduct re-insurance, rebate and return prem's, 11,033 77 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $27,806 19 

Deduct re-insurance, rebate and return prem's, 3,216 16 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $2,465 94 

Interest received on bonds and mortgages, . 
Interest and dividends received from all other sources, . 



$133,306 42 



24,590 03 



3,968 41 
18,592 00 



Gross Cash Income, $180,456 86 



Expenditures. 

Cash paid for fire losses, .... 

for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes 

for state and local taxes, . 

office, agency and incidental expenses, 



,323 74 
24 02 




172,171 24 



18,299 72 
20,000 00 
17,841 28 
17,800 00 
2,306 36 
16,289 86 



Gross Cash Expenditures, . . . .... $164,708 46 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$12,462,501 00 $145,076 25 
15,797,981 00 145,900 92 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
39 



$28,260,482 00 $290,977 17 
16,308,414 00 160,568 50 



$11,952,068 00 $130,408 67 
83,050 00 354 46 



$11,869,018 00 $130,054 21 



306 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Inland risks outstanding December 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$170,100 00 
5,621,218 00 



$3,205 25 
28,326 48 



£5,791,318 00 $31,531 73 
5,576,218 00 29,487 15 



$215,100 00 $2,044 58 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$892,356 19 
469,936 81 
60,000 00 
20,000 00 
84,458 03 
51,400 00 



LORILLARD INSURANCE COMPANY, NEW YORK, N". Y. 

[Incorporated December, 1871. Commenced business January, 1872.] 

Paid-up Capital, $300,000. 

Carlisle Norwood, President. Secretary, John C. Mills. 

Office, No. 152 Broadway. 
Attorney to accept service, Joseph F. Hovey, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States 10-40 reg'd bonds, . . . $50,000 00 

" bonds, 1865, . . . . . 50,000 00 

" 5s, 1881, .... 50,000 00 

" 1867 50,000 00 

Lake Shore and Mich. So. mort. bonds, . . 24,000 00 



Market value. 

$56,687 50 

56,687 50 

55,937 50 

58,187 50 

25,265 00 



$224,000 00 $252,765 00 



Securities held as collateral for cash loans : — 

N. Y. Cent'l and H. Riv. R. R. 1st mort. bonds, 

50 shares Metropolitan Gas Co., 
120 " Chatham Nat'l Bank, 

40 " Oriental Nat'l Bank, . 
250 " L. S. and Mich. So. R. R. Co., 
New Jersey Steamboat Co. bonds, . 

50 shares Phoenix Bank, . 

10 " Hanover Bank, . . . 

46 " Manhattan Life Ins. Co., . 
New Jersey Steamboat Co. bonds, . . 



Market value. Loaned thereon. 

$60,000 00 $50,000 00 
7,500 00 
3,170 00 
1,860 00 
13,500 00 ^ 
7,000 00/ 
850 00 
900 00 
10,000 00 
3,000 00 



} 



:} 



5,000 00 

4,000 00 

13,600 00 

1,300 00 

5,000 00 

2,500 00 



$107,780 00 $81,400 00 



1876.] 



INS. COS. OF OTHER STATES. 



307 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $5,000 00 

Loans on mortgage of real estate (first liens),* 57,000 00 

Interest due or accrued thereon, . . . 1,995 00 

Stocks, bonds, etc., as per schedule, . . . 252,765 00 

Loans on collateral security, as per schedule, . 81,400 00 

Cash in the office of the company, . . . 434 94 

deposited in various banks, . . . 54,271 59 

Interest due and accrued, 3,167 02 

Premiums in course of collection (gross), . 20,253 00 

Gross Assets, ■ 

Liabilities. • 

Losses claimed and reported, . . . . $2,820 00 

disputed or resisted, .... 800 00 

Total amount of losses, $3,620 00 

Less re-insurance, 750 00 

Net amount of unpaid losses, .... $2,870 00 

Unearned premiums on outstanding risks, . 59,982 37 

Commissions and brokerage, .... 3,038 29 

Return premiums, 68 79 

Gross Liabilities, except capital, . . 

Surplus as regards Policy-holders, . 
Paid-up capital, 



$476,286 55 



65,959 45 

$410,327 10 
300,000 00 



Surplus over Capital, $110,327 10 

Income. 
Cash received for fire premiums, . . . $169,687 49 
Deduct re-insurance, rebate and return prem's, 31,672 57 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 



Interest and dividends received from all other sources, . 
Gross Cash Income, . . . . ... 

Expenditures. 



$138,014 92 
4,319 00 
21,777 70 

,111 62 



Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$58,497 08 
2,876 26 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 



$55,620 82 
30,000 00 
22,613 15 
25,030 00 
7,495 13 
12,758 20 

$153,517 30 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$140,000 00 
65,500 00 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $12,352,505 00 $126,953 69 



written during 1876, . 

Total, ..... 
Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



19,330,165 00 136,524 06 



$31,682,670 00 $263,477 75 
19,684,276 00 133,838 38 



$11,998,394 00 $129,639 37 
2,556,279 00 18,013 85 



) ,442,1 15 00 $111,625 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$923,823 00 

398,070 00 

111,000 00 

30,000 00 

55,405 00 

105,500 00 



MANAYUNK INSURANCE COMPANY, PHILADELPHIA, PA. 

[Incorporated April 9, 1873. Commenced business June 13, 1873.] 

Paid-up Capital, $200,000. 

P. R. Shelton, President. Secretary, James S. Catanach. 

Office, No. 302 Walnut Street. 

Attorney to accept service, R. B. Leighton, Melrose. 



Detailed Statement of Stocks, Bonds, Etc. 



Par value. 



Market value. 



United States reg'd bonds, 1881, 
Philadelphia city warrants, 6s, . 
Penn. and N. Y. C. and R. R. 1st mort. bonds, 7s, 

Pittsburg city bonds, 7s, 

Penn. R. R. consol'd mort. bonds, 6s, 



Securities held as collateral for cash loans : — 



$37,500 00 $43,875 00 



20,723 00 

11,000 00 

10,000 00 

10,000 00 



22,623 00 

12,200 00 

11,000 00 

10,000 00 



,223 00 $99,698 00 



210 shares Wheeler & Wilson S. M. Co., 
474 " Manayunk Bank, 
Conn. Western R. R. 1st mort. bonds, 
107 shares Allentown Rolling Mill Co., 
20 " Penn. Steel Co., 
Bonds and mortgage assigned, . 



Market value. Loaned thereon. 

$26,250 00 $12,000 00 
28,440 00 
1,400 00 
4,280 00 
1,400 00 
3,000 00 2,500 00 



\ 20,000 00 
\ 3,000 00 



,770 00 $37,500 00 



1876.] INS. COS. OF OTHER STATES. 309 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens) ,* . $86,350 00 

Interest due or accrued thereon, . . . 2,671 00 

Stocks, bonds, etc., as per schedule, . . . 99,698 00 

Loans on collateral security, as per schedule, . 37,500 00 

Cash in the office of the company, . . . 2,300 00 

deposited in Manayunk Natl Bank, . . 10,293 19 

Interest due and accrued, 405 00 

Premiums in course of collection (gross), . 7,035 13 

Gross Assets, ■ ■ §246,252 32 

Liabilities. 

Unearned premiums on outstanding risks, . §23,372 35 

Reclainiable on perpetual fire policies, . . 10,843 88 

Commissions and brokerage, . . . . 1,505 25 

Gross Liabilities, except capital, . . 35,721 48 

Surplus as regards Policy-holders, $210,530 84 

Paid-up capital, 200,000 00 

Surplus over Capital, $10,530 84 



Income. 

Cash received for fire premiums, . . . $62,548 98 

Deduct re-insurance, rebate and return prem's, 6,483 48 

Net cash received for fire premiums, . . $56,065 50 

Interest and dividends rec'd from all sources, . • . . . 13,594 76 
Deposits rec'd for perpet'l fire risks, $1,759 00 
Received for calls on capital, . . 40,000 00 

Gross C^sh Income, $69,660 26 



Expenditures. 

Net cash paid for fire losses, $28,103 00 

Cash dividends paid, 9,000 00 

paid for commissions and brokerage, .... 10,080 91 

for salaries of officers and employes, . . . 8,899 60 

for state and local taxes, 1,114 26 

for advertising, 1,035 88 

Gross Cash Expenditures, $58,233 65 



* Value of lands mortgaged, $81,000 00 

Value of buildings thereon 100,100 00 

Total value of property mortgaged, $181,100 00 

Amount of insurance held as collateral 83,250 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $1,575,375 00 $29,300 00 
written during 1876, ... 3,859,736 60 56,065 50 



Total, . . . t . 

Deduct risks expired and terminated, 

In force at end of year, . , 



$5,435,111 60 $85,365 50 
2,216,476 32 38,620 80 



,218,635 28 $46,744 70 



. Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 

Losses incurred during the year, ..... 
Company's stock owned by directors, .... 



$114,885 68 

50,243 94 

15,000 00 

9,000 00 

25,103 00 

103,200 00 



MANHATTAN FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated January 8, 1872. Commenced business March 30, 1872.] 

Paid-up Capital, $250,000. 

Andrew J. Smith, President. Secretary, Louis P. Carman. 

Office, No. 68 Wall Street. 
Attorney to accept service, Edward Stearns, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States cur. bonds, 6s, . . . . $100,000 00 $123,000 00 
" 5-20 bonds, 1865, 
" " " 1867, 

« 10-40 bonds, 
South Carolina state bonds, 
United States cur. bonds, 6s, 



Securities held as collateral for cash loans :— 



75 shares Phenix Ins. Co., Brooklyn, 

25 " Buffalo Mut. Gas Light Co., 

25 " Brew. & Maltsters' Ins. Co., N. 

34 " Dry Dock and E. B'way R. R., 

16 " Howard Ins. Co., N. Y., . 

Central Pacific gold bond, 7s, . 

32 shares Phenix Ins. Co., Brooklyn, 

20 " Lamar Ins. Co., N. Y., 

20 " Hoffman Ins. Co., N. Y., . 

40 " Lenox Ins. Co., N, Y., 

30 " Atlantic Ins. Co., N. Y., . 

60 " Lorillard Ins, Co,, N, Y„ . 



Y, 



100,000 00 


112,500 00 


50,000 00 


57,000 00 


50,000 00^ 


56,500 00 


20,000 00 


7,000 00 


10,000 00 


10,000 00 


$330,000 00 $366,000 00 


Market value. Loaned thereon. 


$6,000 00 \ 
3,000 00/ 


$5,000 00 


2,500 00 


2,000 00 


5,000 00 


2,500 00 


1,000 00 


700 00 


1,100 00 


700 00 


2,500 00 


1,400 00 


2,200 00^1 




1,100 00 J 




1,200 00 \ 


5,000 00 


1,600 00 | 




1,600 00 J 





1876.] 



INS. COS. OF OTHER STATES. 



311 



United States bonds, 1881, 

(( It CC (4 

5 shares Phenix Ins. Co., . 

United States 5-20 bonds, . 

61 shares Howard Ins. Co., N. Y., 

10 " N. Y. and N. H. R. R., 

Central Pacific gold bonds, 

20 shares Home Ins. Co., N. Y., 

United States 5-20 bonds, 1867, 



$1,150 00 
1,150 00 
400 00 
1,150 00 
3,850 00 
1,500 00 
2,200 00 
2,500 00 
1,150 00 



$700 00 
1,000 00 

550 00 
3,000 00 

2,600 00 

1,700 00 
1,000 00 



$43,850 00 $27,850 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $6,000 00 

Loans on mortgage of real estate (first liens),* 221,147 17 

Interest due or accrued thereon, , . . 6,145 82 

Stocks, bonds, etc., as per schedule, . . . 366,000 00 
Loans on collateral security, as per schedule, . . 27,850 00 

Cash in the office of the company, . . . 2,562 00 

deposited in bank, 120,600 36 

Interest due and accrued, 499 43 

Premiums in course of collection (net), . . 79,341 20 

Notes taken for marine and inland risks, . . 15,036 48 

Due for re-insurance, 5,475 81 

Gross Assets, 

Liabilities. 

Losses claimed and reported, .... $24,000 00 

Unearned premiums on outstanding risks, . 260,179 95 

State and local taxes, 9,336 57 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



,658 27 



293,516 52 

$557,141 75 
250,000 00 



$307,141 75 



Income. 

Cash received for fire premiums, . . . $640,992 60 

Deduct re-insurance, rebate and return prem's, 43,795 79 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $94,825 00 

Deduct re-insurance, rebate and return prem's, 36,187 21 

Net cash received for marine and inl'd prem's, — 

Interest received on bonds and mortgages, .... 



$597,196 81 



58,637 79 
14,280 00 



* Value of lands mortgaged, . . ■ . . $309,300 00 

Value of buildings thereon, 208,000 00 

Total value of property mortgaged $517,300 00 

Amount of insurance held as collateral, 208,000 00 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Interest and dividends received from all other sources, . $23,739 35 

Income from all other sources ; viz., rents, .... 600 00 

Gross Cash Income, ........ $694,453 95 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$367,969 29 
5,180 92 



,617 41 
4,066 06 



for office, agency and incidental expenses, 



Gross Cash Expenditures, . . ..... $656,422 54 



$362,788 37 



40,551 35 
35,000 00 
95,653 28 
47,215 00 
15,072 02 
60,142 52 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 



Net amount in force, . 

Marine risks outstanding December 
written during 1876, 

Total, 

Deduct risks expired and terminated 

In force at end of year, 



$33,613,391 00 
47,843,248 00 

$81,456,639 00 ! 
48,340,516 00 

$33,116,123 00 
582,062 00 



Premiums. 

$485,447 72 

597,196 81 

11,082,644 53 
584,400 30 

$498,244 23 
8,940 46 



$32,534,061 00 $489,303 77 



31, 1875, $122,900 00 
5,289,735 00 



$5,412,635 00 
5,208,742 00 



$1,860 30 
. 58,637 79 

$60,498 09 
57,999 59 



$203,893 00 $2,498 50 



Miscellaneous. 
Premiums received from organization of company, . $2,910,424 00 

Losses paid from organization of company, .... 1,516,285 84 

Cash dividends declared from organization of company, . 120,000 00 

Dividends declared during the year, 35,000 00 

Losses incurred during the year, . . . . . . 403,339 72 

Company's stock owned by directors 71,600 00 



1876.] 



INS. COS. OF OTHER STATES. 



313 



MANUFACTURERS 1 INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated June 20, 1873. Commenced business August 1, 1873.] 

Paid-up Capital, $200,000. 

George Wilkinson, President. Secretary, D. S. Wood. 

Office, No. 762 Broad Street. 

Attorney to accept service, Milton Clark, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Manufacturers 1 Natl Bank stock, . . . $27,700 00 $26,315 00 
State Trust Co. stock, 2,000 00 1,600 00 



$29,700 00 $27,915 00 



Securities held as collateral for cash loans : — 



Natl Newark Banking Co. stock, 
Elizabeth City Gas Co. stock, . 
National Trust Co. stock, . 
Rahway city bond, 
Manufacturers 1 Natl Bank stock, 

Houston city market bond, 8s, . 
Passaic water bond, . 
Newark and Rosendale Cement Co. stock, 
Bonds and mortgages assigned, 



Market value. 

$3,500 00 
3,600 00 
5,700 00 
4,000 00 
1,330 00 
7,600 00 
4,000 00 
1,000 00 
440 00 

29,000 00 



Loaned thereon. 

$2,000 00 
2,588 70 
5,000 00 
3,000 00 
900 00 
6,800 00 
2,500 00 



} 



1,200 00 
9,500 00 



,170 00 $33,488 70 



Summary of Assets, December 31, 1876. 



Cost value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) ,* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (net), . 

Notes taken for marine and inland risks, . 

Gross Assets, ..... 



$6,912 99 

183,414 17 

6,521 29 

27,915 00 

33,488 70 

3,351 04 

25,783 32 

254 21 

21,144 24 

203 14 



$308,988 10 



Liabilities. 



Losses adjusted, unpaid, . 
disputed or resisted, 



$11,859 00 
3,025 00 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 

40 



$398,150 00 
83,450 00 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Retained to pay assessment, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



,722 11 
1,780 49 



$88,386 60 

$220,601 50 
200,000 00 



20,601 50 



Income. 

Cash received for fire premiums, . . , $133,167 41 
Deduct re-insurance, rebate and return prem's, 15,818 87 

Net cash received for fire premiums, . . 

Unpaid premium notes received during the 

year, $203 14 

Interest and dividends received from all sources, . , 



$117,348 54 
12,849 39 



Gross Cash Income, $130,197 93 



Expenditures. 

Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



$61,313 50 

14,000 00 

21,316 72 

9,488 02 

3,295 80 

6,560 87 



Gross Cash Expenditures, $115,974 91 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $8,529,129 00 $1.10,963 95 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



15,735,556 00 163,442 86 



$24,264,685 00 $274,406 81 
12,292,818 00 135,549 99 



$11,971,867 00 $138,856 82 
309,065 00 3,174 90 



$11,662,802 00 $135,681 92 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 percent.), . 
Losses incurred during the year, . . ... 
Company's stock owned by directors, .... 



53,479 12 

113,710 40 

33,025 42 

14,000 00 

68,767 50 

133,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



315 



MERCANTILE INSURANCE COMPANY, CLEVELAND, OHIO. 

[Incorporated November, 1871. Commenced business December 23, 1871.] 

Paid-up Capital, $200,000. 

W. J. Gordon, President. Secretary, Geo. A. Tisdale. 

Office at Cleveland. 
Attorney to accept service, Hammond Vinton, Boston. 



Detailed Statement oe Stocks, Bonds, Etc. 

Par value. 

United States 5-20 bonds, $68,500 00 

Ohio state bonds, 23,615 38 

400 shares Cleveland and P. R. R., . . , 20,000 00 

100 " N. Y. Central and H. Riv. R. R., . 10,000 00 
500 " Lake Shore and Mich. So. R. R., . < 50,000 00 

Buffalo and Erie R. R. mort. bonds, 7s, . . 14,000 00 

Buffalo and State Line R. R. mort. bonds, 7s, . 1,500 00 



} 



Market value. 

$77,300 00 

26,400 00 

18,000 00 

10,300 00 

28,000 00 

16,500 00 



$187,615 38 $176,500 00 



Securities held as collateral for cash loans : — 

Merchants 1 Nat'l Bank, Cleveland, . 
200 shares Lake Shore and Mich. So. R. R., 
20 " Citizens' Sav. and Loan Ass'n, 



Market value. Loaned thereon. 

$7,500 00 $4,000 00 

11,000 00 10,000 00 

5,500 00 4,500 00 



$24,000 00 $18,500 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, .... 
Steam wrecking pump, . . 
Office furniture and fixtures, . $1,500 00 
Gross Assets, 



k $108,125 94 


4,590 92 


. 176,500 00 


18,500 00 


3,390 07 


35,799 43 


1,181 41 


5,846 81 


20,695 18 


3,500 00 


1,250 00 


) 

. $379,379 76 



* Value of lands mortgaged, $302,500 00 

Value of buildings thereon, . 55,200 00 

Total value of property mortgaged $357,700 00 

Amount of insurance held as collateral, 4,000 00 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 

Losses claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less re-insurance .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Bills payable, $1, 599.96 ; re-insurance due other 
companies, $1,306.89, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



£8,584 64 
6,500 00 

L5,084 64 
2,333 33 



,751 31 

48,332 80 
1,410 77 
1,654 06 

2,906 85 



$67,055 79 

$312,323 97 
200,000 00 

$112,323 97 



Income. 

Cash received for fire premiums, . . . $93,127 79 

Deduct re-insurance, rebate and return prem's, 8,542 26 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $51,544 27 

Deduct re-insurance, rebate and return prem's, 6,472 23 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $29,051 22 

Interest received on bonds and mortgages, . . 
Interest and dividends received from all other sources, . 



$84,585 53 



45,072 04 



9,064 73 
14,571 33 



Gross Cash Income, ..... . . . $153,293 63 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$48,065 70 
460 92 

$32,071 48 
2,780 59 



for office, agency and incidental expenses, 



$47,604 78 



29,290 89 
30,000 00 
16,226 52 
15,854 88 
3,801 06 
7,534 96 



Gross Cash Expenditures, $150,313 09 



1876.] 



INS. COS. OF OTHER STATES. 



317 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, $6,229,430 GO 
written during 1876, . . . 8,898,382 00 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, 



Total, ..... 
Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



115,127,812 00 
7,743,978 00 



$7,383,834 00 
85,370.00 



Premiums. 

$77,884 64 
92,986 00 

$170,870 64 
82,426 89 



,443 75 
799 76 



$7,298,464 00 $87,643 99 



$167,250 00 
2,530,903 00 



^2,698,153 00 
2,567,653 00 



$130,500 00 
* 7,500 00 



,549 75 

52,668 63 

$63,218 38 

55,119 38 

$8,099 00 

390 00 



$123,000 00 $7,709 00 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$996,000 71 

501,140 58 

105,000 00 

30,000 00 

71,309 28 

151,500 00 



MERCANTILE FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated January 15, 1852. Commenced business January 15, 1852.] 

Paid-up Capital, $200,000. 

Wm. A. Anderson, President. Secretary, C. W. Parmelee. 

Office, No. 166 Broadway. 
Attorney to accept service, W. V. Hutchings, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States reg'd bonds, 1881, . . . $135,000 00 $153,562 50 
" 10-40 reg'd bonds, . . . 35,000 00 39,637 50 
" coupon bonds, 5s, 1881, . . 10,000 00 11,175 00 



$180,000 00 $204,375 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans :> 
United States coupon bonds, 1867, . 



Market value. Loaned thereon. 

$581 25 $500 00 

581 25 500 00 



$1,162 50 $1,000 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $71,500 00 

Interest due or accrued thereon, ... . 834 16 

Stocks, bonds, etc., as per schedule, . . . 204,375 00 

Loans on collateral security, as per schedule, . 1,000 00 

Cash in the office of the company, . . , 1,248 82 

deposited in Merchants' Exch. Nat'l Bank, 15,710 97 

Interest due and accrued, 8 50 

Premiums in course of collection (gross), . 2,875 57 
Premiums more than 3 mos. due, . $101 25 
Gross Assets, ' . . . 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, 
Return premiums, . . . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . 



$297,553 02 



$152 87 

625 00 

30,143 49 

35 00 

708 34 

140 70 

31 35 



31,836 75 



. $265,716 27 
. 200,000 00 



55,716 27 



Income. 

Cash received for lire premiums, . . . $63,323 42 
Deduct re-insurance, rebate and return prem's, 3,949 34 

Net cash received for fire premiums, . . 

Interest received on bonds and morto;a°;es, .... 
Interest and dividends received from all other sources, . 



$59,374 08 

5,012 09 

11,723 00 



Gross Cash Income, $76,109 17 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... $19,330 63 



20,361 89 
1,031 26 



* Value of lands mortgaged $92,000 00 

Value of buildings thereon, 115,000 00 

Total value of property mortgaged, $207,000 00 

Amount of insurance held as collateral, . . . . . . . . . . 83,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



319 



Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



20,000 00 

4,656 50 

15,900 00 

577 72 
9,895 19 

$70,360 04 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $9,492,219 67 $70,518 34 
written during 1876, . . . 10,298,676 07 64,776 13 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,790,895 74 $135,294 47 
11,119,541 95 74,216 22 



1,671,353 79 $61,078 25 
151,966 67 1,076 39 



5,519,387 12 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, . . .. 



,001 86 



,641,372 53 

820,083 41 

462,000 00 

20,000 00 

20,035 67 

49,550 00 



MERCANTILE MUTUAL INSURANCE COMPANY, NEW YORK 

N. Y. 

[Incorporated April, 1842. Commenced business April, 1842.1 

Paid-up Capital, $500,000. 

Elwood Walker, President. Secretary, C. J. Despard. 

Office, No. 35 Wall Street. 
Attorney to accept service, W. V. Hutching s, Boston. 



Detailed Statement of Stocks, 



70 shares Bank of America, . 

100 " Bank of Commerce, 

25 " Bank of New York, 

100 " Bank of Republic, . 

40 " Bank of State of New York, 

102 " American Exchange Bank, 

120 " Continental Bank, . 

134 " Gallatin Nat'l Bank, 

100 " Hanover Nat'l Bank, 

50 " Metropolitan Nat'l Bank, . 



Bonds, Etc. 

Par value. 

$7,000 00 

10,000 00 
2,500 00 
7,500 00 
4,000 00 

10,200 00 
9,000 00 
6,700 00 

10,000 00 
5,000 00 



Market value. 

$9,450 00 
11,000 00 
2,900 00 
7,350 00 
4,560 00 
10,710 00 
6,210 00 
7,705 00 
9,000 00 
6,450 00 



320 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



200 shares Merchants' Nat'l Bank, 
300 " Manhattan Nat'l Bank, 

17 " Marine Nat'l Bank, . 

50 " Phenix Nat'l Bank, . 
100 " Park Nat'l Bank, 
110 " St. Nicholas Nat'l Bank, 

20 " Union Nat'l Bank, . 
327 " Williamsburg Gas Light Co., 
Williamsburg Gas Light Co. scrip, 
100 shares Coast Wrecking Co., 
New York city bonds, 6s, 1887, . 
United States 5-20 bonds, 1865, . 

" " cur. bonds, 6s, 1898, 

C. C. and I. C. R. R. bonds, 
Indianapolis and Vincennes R. R., . 
750 shares N. Y. Central and H. R. R. R., 
310 " Mercantile Mut. Ins. Co., $ 15,500 00 



$10,000 00 
15,000 00 

1,700 00 

1,000 00 
10,000 00 
11,000 00 

1,000 00 
16,350 00 
13,000 00 
10,000 00 
20,000 00 
23,000 00 
95,000 00 

1,000 00 
20,000 00 
75,000 00 



$11,800 00 

21,000 00 

1,666 00 

920 00 

10,500 00 

11,220 00 

1,350 00 

21,255 00 

13,000 00 

5,000 00 

20,600 00 

26,105 00 

115,900 00 

390 00 

16,000 00 

75,750 00 



$394,950 00 $427,791 00 



Securities held as collateral for cash loans : — 



100 shares Continental Ins. Co., 



Market value. Loaned thereon. 

$12,000 00 $9,000 00 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in American Exch. Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Salvage on losses paid, 
Re-insurance on losses paid, 

Gross Assets, .... 

Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, 
Return prem's, $223.01 ; re-ins., $718.95, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, .... 



Surplus over Capital, 



$427,791 00 

9,000 00 

67,310 30 

4,693 80 

177,692 46 

192,463 82 

58,110 00 

12,918 00 



$2,110 00 

122,234 00 

127,219 83 

14,199 88 

625 37 

4,004 24 

421 18 

941 96 



$949,979 38 



271,756 46 

$678,222 92 
500,000 00 

$178,222 92 



1876.] 



INS. COS. OF OTHER STATES. 



321 



Income. 
Cash received for marine and inl'd prem's, 
Deduct re-insurance, rebate and return prem's, 
Net cash, received for marine and inl'd prem's, 
Unpaid premium notes received during the 

year, $192,443 92 

Interest and dividends received from all sources, 
Income from all other sources, .... 



$939,780 97 
213,593 61 



$726,187 36 



34,097 45 
3,305 73 



Gross Cash Income, $763,590 54 

Expenditures. 
Cash paid for marine and inl'd losses, . . $656,369 39 
Deduct salvage and re-insurance, . . . 84,174 23 

Net cash paid for marine and inl'd losses, . $572,195 16 

Cash dividends paid, 50,000 00 

paid for commissions and brokerage, . ' . . . 49,485 71 

for salaries of officers and employes, . . . 70,949 73 

for state and local taxes, 12,344 68 

for office, agency and incidental expenses, . . 272 49 

Gross Cash Expenditures, $755,247 77 



Risks and Premiums. 

Premiums. 

Marine risks outstanding December 31, 1875, $2,137,439 00 $201,692 74 
written during 1876, . . 54,731,452 00 878,932 08 



Total, ... 
Deduct risks expired and terminated, 

In force at end of year, 



$56,868,891 00 $1,080,624 82 
56,289,770 00 953,404 99 



$579,121 00 $127,219 83 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from 1857, .... 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, .... 
Company's stock owned by directors, 

41 



$37,308,431 51 

28,313,911 60 

. 1,404,688 28 

50,000 00 

. 656,369 39 

. 112,850 00 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



THE MERCHANTS' INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated February 18, 1858. Commenced business April 18, 1858.] 

Paid-up Capital, #200,000. 

Silas Merchant, President. Secretary, Henry Powles. 

Office, Nos. 776 and 778 Broad Street 

Attorney to accept service, Robert H. Wass, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 5-20 bonds, . 
Newark city bonds, .... 
Elizabeth city bonds, .... 
Long Branch school bonds, 
E. Orange Street improvement bonds, 
New Brunswick city bonds, 



Par value. 

$150,000 00 

100,000 00 

25,000 00 

15,000 00 

20,500 00 

2,800 00 



Market value. 

f 170,898 00 

110,000 00 

25,000 00 

15,000 00 

20,500 00 

2,800 00 



$313,300 00 $344,198 00 



Securities held as collateral for cash loans : — 



20 shares Citizens' Gas Co., 
413 " Consumers' Coal Co., 
100 " Mechanics' Nat'l Bank, . 
10 " First Nat'l Bank, 
50 " New York City Ice Co., . 
100 " Mechanics' Nat'l Bank, . 
10 " Merchants' Nat'l Bank, . 
15 " Second Nat'l Bank, . 
New York and Newark R. R. bonds, 
30 shares Merchants' Nat'l Bank, . 
20 " American Trust Co., 
Lehigh and Wilkesbarre Coal Co. bonds, 
100 shares Essex Co. Nat'l Bank, 
50 " American Trust Co., 
26 " Newark City Ice Co., 
60 " Merchants' Nat'l Bank, . 
50 " American Trust Co., 
25 " Newark City Ice Company, 
50 " American Trust Co., 





Market value. Loaned thereon. 




$1,000 00^ 
2,065 00/ 


$1,600 00 




9,500 00 


5,000 00 




1,100 00 ^ 
5,000 00/ 


5,000 00 




9,500 00 


5,000 00 




900 00 

• 


800 00 




2,025 00 


1,500 00 




4,500 00 


2,500 00 




2,700 00^ 
1,800 00/ 


3,900 00 




6,500 00 


6,000 00 




7,000 00^ 
4,500 00/ 


9,000 00 




2,600 00 


2,000 00 




5,400 00 


4,500 00 




4,500 00 \ 
2,500 00/ 


5,000 00 








4,500 00 


3,500 00 




$77,590 00 


|55,300 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $86,500 00 
Loans on mortgage of real estate (first liens),* 421,209 45 



* Total value of property mortgaged $1,182,130 00 

Amount of insurance beld as collateral, 473,400 00 



1876.] 



INS. COS. OF OTHER STATES. 



323 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 mos, due, . $521 25 
Gross Assets, 



$11,088 25 

344,198 00 

55,300 00 

12,209 87 

29,087 31 

4,028 66 

38,447 30 

1,015 00 



-$1,003,083 84 



Liabilities. 

Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaim able on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, 

Return premiums, 

Gross Liabilities, except capital and scrip, 

Surplus as regards Policy-holders, 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 



$4,689 88 

21,586 32 

6,135 00 

|32,4H 20 
2,000 00 



),411 20 

243,951 87 

570 00 

4,659 00 

12,868 23 

7,790 00 

1,936 27 



$200,000 00 
98,538 80 



302,186 57 
$700,897 27 



298,538 80 



Surplus over Capital and Scrip, . . .... $402,358 47 



Income. 

Cash received for fire premiums, . . . $467,087 28 
Deduct re-insurance, rebate and return prem's, 34,461 37 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 



Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, 



$432,625 91 

27,382 49 

20,812 14 

3,395 26 



Gross Cash Income, $484,215 80 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid, 



$180,325 85 
3,012 68 



$177,313 17 
24,000 00 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest paid scripholders, 

Cash paid for redemption of scrip, .... 
for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 

Suspense account, 



V$30, 



186 97 

72,468 47 
29,136 17 

6,565 82 
37,209 30 

3,167 14 



Gross Cash Expenditures, . ... . . . $380,047 04 



Fire risks outstanding Dec. 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$40,840,403 00 $413,952 36 
48,194,767 00 471,947 86 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,035,170 00 $885,900 22 
44,501,728 00 415,820 94 



$44,533,442 00 $470,079 28 
287,727 00 2,901 75 



$44,245,715 00 $467,177 53 



Miscellaneous. 

Premiums received from organization of company, . $2,505,373 83 

Losses paid from organization of company, . . . . 933,441 63 

Cash dividends declared from organization of company, . 156,219 63 

Dividends declared during the year (12 per cent.), . . 24,000 00 

Losses incurred during the year, 181,244 86 

Company's stock owned by directors, 58,300 00 



MERCHANTS' INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April, 1850. • Commenced business April, 1850.] 

Paid-up Capital, $200,000. 

C. V. B. Ostrander, President. Secretary, J. L. Douglass. 

Office, No. 149 Broadway. 
Attorney to accept service, Edward Wallet, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 

United States reg'd bonds, 6s, 1881, . . . $20,000 00 

" coupon bonds, 6s, 1881, . . . 30,000 00 

" reg'd bonds, 6s, 1881, . . . 50,000 00 

300 shares North River Bank, .... 15,000 00 

80 " Merchants' Exchange Bank, . . 4,000 00 

New York Central R. R. bonds, . . . 35,000 00 



Market value. 

$22,750 00 

35,325 00 

56,875 00 

7,500 00 

3,600 00 

35,700 00 



$154,000 00 $161,750 00 



1876.] 



INS. COS. OF OTHER STATES. 



325 



Securities held as collateral for cash loans : — 

168 shares North River Ins. Co., 
114 " Westchester Ins, Co., 
Northern R. R. bonds, 
Hudson Co. (N. J.) bonds, 

5 shares Star Ins. Co., . 
400 " Eleventh Ward Bank, 

8 " First Natl Bank, 

10 " Park Ins. Co., . 

10 " Star Ins. Co., . 

6 " Columbia Ins. Co., . 
17 " Jefferson Ins. Co., . 

24 " Union Ferry Co., Brooklyn 
20 " Jersey City Ins. Co., 
10 " Star Ins. Co., . 
10 " Park Ins. Co., . 

.50 " North River Bank, . 

25 " American Express Co., 
10 " Home Ins. Co., . 
41 " People's Ins. Co., 
50 " Broadway Ins. Co., . 
20 " Globe Ins. Co., . 
40 " " " 
34 " Irving Bank, . 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $275,500 00 

Interest due or accrued thereon, . . . 7,434 50 

Stocks, bonds, etc., as per schedule (cost), . 155,965 00 

Loans on collateral security, as per schedule, . 35,800 00 

Cash in the office of the company, . . . 3,912 65 

deposited in bank, 15,425 60 

Interest due and accrued, 4,405 61 

Premiums in course of collection (net), . . 13,260 44 

Gross Assets, . 



Market value. Loaned thereon. 


$3,375 00 


$2,500 00 


1,368 00 


800 00 


11,700 00^ 
2,600 00 7 


10,000 00 


600 00 


400 00 


7,000 00 


7,000 00 


800 00 


500 00 


1,520 00^1 




1,120 00 ! 
450 00 ( 


2,300 00 


744 60 j 




3,240 00 


2,400 00 


1,350 00 >| 




1,200 00 I 


2,000 00 


1,520 00 J 




1,250 00 


2,000 00 


1,437 50^1 
1,100 00/ 


1,200 00 




3,423 50 \ 
2,812 50/ 


1,500 00 


1,320 00 


600 00 


2,620 00 


1,400 00 


2,040 00 


1,200 00 


$54,591 10 ( 


135,800 00 



$511,703 80 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 



$6,800 00 
116,050 38 



122,850 38 



Surplus as regards Policy-holders, $388,853 42 

Paid-up capital, 200,000 00 

Surplus over Capital, '. $188,853 42 

* Value of lands mortgaged, $236,000 00 

Value of buildings thereon, 279,000 00 



Total value of property mortgaged, $515,000 00 

Amount of insurance held as collateral, 279,600 00 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $160,124 78 
Deduct re-insurance, rebate and return prem's, 6,205 12 

Net cash received for fire premiums, . . $153,919 66 

Interest received on bonds and mortgages, .... 18,237 17 
Interest and dividends received from all other sources, . . 10,342 17 



Gross Cash Income, $182,499 00 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, . 



,410 37 
137 28 



for office, agency and incidental expenses, 



,273 09 
40,000 00 
28,388 77 
33,139 48 
5,463 41. 
10,629 82 



Gross Cash Expenditures, $177,894 57 



Fire risks outstanding Dec. 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$30,609,340 06 $238,810 71 
29,897,437 31 174,314 77 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,506,777 37 $413,125 48 
31,371,679 32 181,024 71 



29,135,098 05 $232,100 77 
77,600 00 



$29,057,498 05 $232,100 77 



Miscellaneous. 

Premiums received from organization of company, . $3,533,156 61 

Losses paid from organization of company, . . . 1,412,828 90 

Cash dividends declared from organization or* company, 934,000 00 

Dividends declared during the year (20 per cent.), . 40,000 00 

Losses incurred during the year, 63,729 53 

Company's stock owned by directors, .... 61,750 00 



1876.] 



INS. COS. OF OTHER STATES. 



327 



MERCHANTS' INSURANCE COMPANY, PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business June, 1851.] 

Paid-up Capital, $200,000. 

Walter Paine, President. Secretary, Charles Foster. 

Office, No. 22 Market Square. 

Attorney to accept service, P. E. Eddy, Brookline. 



Detailed Statement of 



1600 shares Nat'l Bank of Commerce, 
1000 

400 

400 

467 

200 

257 

102 
66 



American Nat'l Bank, 
Merchants' Nat'l Bank, 
Globe Nat'l Bank, . 
Providence Gas Co., 
Phoenix Nat'l Bank, 
Mechanics' Nat'l Bank, 
Manufacturers' Nat'l Bank, 
Del. and Hud. Canal Co., 



United States 5-20 bonds, 



Stocks, Bonds, Etc. 

Par value. 

$80,000 00 
50,000 00 
20,000 00 
20,000 00 
23,350 00 
10,000 00 
12,850 00 
10,200 00 
6,600 00 
20,000 00 



Market value. 

$80,000 00 

52,000 00 

22,400 00 

12,000 00 

27,319 50 

15,000 00 

17,219 00 

12,852 00 

4,620 00 

22,650 00 



$253,000 00 $266,060 50 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens) ,* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in Nat'l Bank of Commerce, 
Interest clue and accrued, .... 
Premiums in course of collection (gross) , 

Gross Assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
State and local taxes, .... 

Commissions and brokerage, 

Return premiums, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



),323 54 

380 27 

266,060 50 

221 16 

65,760 85 

4,094 41 

21,988 25 



$7,331 00 

7,775 00 

3,650 00 

91,359 63 

439 76 

3,298 24 

1,759 06 



$398,828 98 



115,612 69 

$283,216 29 
200,000 00 



Surplus over Capital, $83,216 29 

* Value of lands mortgaged $100,000 00 

Value of buildings thereon 40,000 00 

Total value of property mortgaged, 

Amount of insurance held as collateral, 



$140,000 00 
17,500 00 



328 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Gross Cash Income, $185,788 08 



$179,499 63 




18,287 65 


- 




$161,211 98 




$506 37 




10 92 






495 45 
2,519 42 


• • . 


urces, . 


21,561 23 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . • . . ' . 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for all other items : suspense account, 



,422 51 
25 00 



Gross Cash Expenditures, 



,397 51 

24,000 00 

37,014 34 

15,378 42 

6,950 97 

298 10 

$184,039 34 



Fire risks outstanding December 31, 1875 
written during; 1876, . 



Risks and Premiums. 

Premiums. 

$13,092,138 00 $204,767 73 
13,457,483 00 179,499 63 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 



$26,549,621 00 
13,924,942 00 


$384,267 36 
206,981 47 


$12,624,679 00 

$3,000 00 
153,618 00 


$177,285 89 

$37 50 
506 37 



$156,618 00 
156,618 00 



$543 87 
543 87 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Losses incurred during the year, , . ... 
Company's stock owned by directors, .... 



53,609,821 44 

2,599,786 84 

484,000 00 

24,000 00 

98,251 51 

46,800 00 



1876.] 



INS. COS. OF OTHER STATES. 



329 



MERIDEN FIRE INSURANCE COMPANY, MERIDEN, CONN. 

[Incorporated July 2, 1868. Commenced business February 1, 1872.] 

Paid-up Capital, $ 200,000. 

L W Clarke, President. Secretary, E. B. Cowles. 

Office at Meriden. 
Attorney to accept service, Geo. W. Reed, Boston. 

Detailed Statement of Stocks, 



United States 5-20 reg'd bonds, 1867, 

1865, 
" bonds, 6s, 1881, . 
Harlem Riv. and P. Chester R. R. bonds, 
N. H. and Northampton R. R. bonds, 
Danbury and Norwalk R. R. bonds, . 
Chicago and Rock Island R. R. bonds, 
Meriden city water bonds, 
Meriden Gas Light Co. stock, . 
N. Y., N. H. and H. R. R. stock, 
First Nat'l Bank stock, Meriden, 
Home Nat'l Bank stock, Meriden, 
Meriden Nat'l Bank stock, 
Fourth Nat'l Bank stock, N. Y., 
St. Nicholas Natl Bank stock, N. Y., 
Ninth Nat'l Bank stock, N. Y., . 
American Exch. Nat'l Bank stock, N. Y., 
Hanover Nat'l Bank stock, N. Y., 
German American Nat'l Bank stock, N. Y 
Nassau Bank stock, N. Y., 
N. H. Co. Nat'l Bank stock, N. H., . 
Yale Nat'l Bank stock, N. H., . 
New Britain Nat'l Bank stock, N. B., 



Securities held as collateral for cash loans : — 

100 shares Meriden Britannia Co., 

12 

14 

6 

2 

65 

9 

360 

10 

696 

73 

35 



Adams Express Co., 
JEtna Ins. Co., Hartford, . 
Home Nat'l Bank, Meriden, 
Meriden Nat'l Bank, Meriden, 
First Nat'l Bank, Meriden, 

tc tc <; tc 

Meriden Britannia, . 

First Nat'l Bank, Meriden, 

Meriden Cutlery Co., 
« it 

American Express Co., . 
42 



Bonds, Etc. 




Par value. 


Market value. 


$30,000 00 


$34,050 00 


10,000 00 


11,037 50 


5,000 00 


5,693 75 


15,000 00 


16,800 00 


8,000 00 


7,360 00 


9,500 00 


10,165 00 


2,000 00 


2,180 00 


• 5,000 00 


5,250 00 


9,000 00 


9,000 00 


5,000 00 


7,700 00 


16,700 00 


19,622 50 


19,800 00 


23,760 00 


8,900 00 


10,680 00 


1,500 00 


1,470 00 


5,000 00 


5,100 00 


3,000 00 


2,910 00 


5,000 00 


5,250 00 


2,000 00 


2,000 00 


1,300 00 


1,040 00 


2,000 00 


2,000 00 


10,000 00 


15,000 00 


6,000 00 


6,000 00 


4,500 00 


6,075 00 


$184,200 00 $210,143 75 


Market value. Loaned thereon. 


$7,500 00 


$4,500 00 


1,212 00 


900 00 


3,220 00 


1,100 00 


720 00^ 
240 00/ 


800 00 


7,800 00 


500 00 


1,080 00 


100 00 


27,000 00 


9,000 00 


1,200 00 


900 00 


17,400 00 


9,000 00 


1,835 00^ 
1,960 00/ 


2,250 00 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



360 shares Meriden Britannia Co., 
20 " Home Natl Bank, Meriden, 

lie u c< cc cc 

1 A a cc cc cc 



Meriden Britannia Co., . 
Pultz & Walkley Co., Southington, 
Meriden Cutlery Co., 
Norwich and N. Y. Trans. Co., 
G. F. Warner & Co., N. Haven, 



40 
346 
335 
150 
100 
First mort. assigned to Co., 



$27,000 00 


$9,000 00 


2,400 00 


1,700 00 


1,800 00 


1,500 00 


1,200 00 


900 00 


3,000 00 


1,000 00 


8,650 00 


4,500 00 


8,375 00 ^ 
1,800 00/ 


1,410 00 


2,500 00 \ 
2,800 00/ 


3,150 00 



$130,692 00 $52,210 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $1,700 00 

Interest due or accrued thereon, ... 64 47 

Stocks, bonds, etc., as per schedule, . . . 210,143 75 

Loans on collateral security, as per schedule, . 52,210 00 

Cash in the office of the company, . . . 1,537 12 

deposited in Home Nat'l Bank, . . 31,113 79 

Interest due and accrued, 980 94 

Premiums in course of collection (gross), . 17,874 32 

Rents due and accrued, 64 18 

Oflice property, .... $3,000 00 

Gross Assets, . . . . . $318,688 57 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due for rent, salaries, etc., 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . 



$11,679 78 
5,438 00 

$17,117 78 
1,066 45 

$16,051 33 

72,482 15 

800 00 

2,200 00 



91,533 48 

$227,155 09 
200,000 00 

$27,155 09 



* Value of lands mortgaged, 
Value of buildings thereon, 

Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$6,000 00 
5,000 00 

$11,000 00 
3,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



331 



Income. 

Cash received for fire premiums, . . . $174,282 34 
Deduct re-insurance, rebate and return prern's, 23,221 59 

Net cash received for fire premiums, . . $151,060 75 

Interest received on bonds and mortgages, .... 329 00 

Interest and dividends received from all other sources, . . 18,118 54 



Gross Cash Income, $169,508 29 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$110,465 35 
5,703 51 



for office, agency and incidental expenses, 



Gross Cash Expenditures, $178,168 83 



$104,761 84 

24,000 00 

22,526 39 

9,800 00 

3,472 98 

13,607 62 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Risks and Premiums. 

Premiums. 
$9,257,405 00 $146,352 73 
12,895,120 00 180,058 66 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force. . 



$22,152,525 00 $326,411 39 
10,740,476 00 172,496 59 



$11,412,049 00 $153,914 80 
512,473 00 8,955 33 



$10,899,576 00 $144,959 47 



Miscellaneous. 
Premiums received from organization of company, • . 
Losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Losses incurred during the year, ..... 
Company's stock owned by directors, .... 



$691,450 66 
346,988 82 
76,000 00 
24,000 00 
96,570 46 
65,800 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
NATIONAL FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated November 27, 1871. Commenced business December 1, 1871.] 

Paid-up Capital, $500,000. 

Mark Howard, President. Secretary, James Nichols. 

Office, No. 118 Asylum Street. 

Attorney to accept service, Joseph F. Hovey, Boston. 



Detailed Statement of Stocks, 



Conn, state bonds, 
Hartford town bonds, 
Hartford city bonds, . 
Hartford city water bonds, 
New Britain city bonds, 
Portland city bonds, . 
Rochester city bonds, 
Detroit city bonds, 
Lockport city bonds, . 
Hart., Pro v. and Fishkill R 
Harlem R. and P. Chest. R 



R. 1st mort. bonds, 
R. 1st mort. bonds, 



400 shares N. Y., N. H. and H. R. R., 

100 " P., Ft. Wayne and Chicago R. R., 

100 " N. Y. C. and H. R. R. R., . 

100 " L. Shore and Mich. So. R. R., . 

100 " Chicago, R. I. and Pac. R. R., . 

200 " Cleveland and Pittsburg R. R., 

100 " Natl Banking Assoc, N. Y., . 

100 " Metropolitan Natl Bank, N. Y., 

50 " Central Natl Bank, N. Y., 

200 " Farmers and Mech. Natl Bank, H'd 

100 " Charter Oak Natl Bank, Hartford, 

300 " Phoenix Natl Bank, Hartford, . 

215 " iEtna Natl Bank, Hartford, . 

50 " City Natl Bank, Hartford, 

300 " Hartford Natl Bank, Hartford, 

50 " Mercantile Natl Bank, Hartford, 

200 " Natl Exch. Bank, Hartford, . 

75 " Natl Bank of Republic, Boston, 

70 " Boston Natl Bank, Boston, 

25 " Merchants 1 Bank, St. Louis, 



Bonds, Etc. 

Par value. 

$10,000 00 
10,000 00 
32,000 00 
10,000 00 

6,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 
40,000 00 
25,000 00 
40,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 
20,000 00 
10,000 00 
30,000 00 
21,500 00 

5,000 00 
30,000 00 

5,000 00 
10,000 00 

7,500 00 

7,000 00 
875 00 



Market value. 
$11,000 00 

10,100 00 
36,160 00 
10,400 00 

6,360 00 
10,000 00 
16,500 00 
11,000 00 
10,800 00 
42,000 00 
28,000 00 
62,000 00 
10,100 00 
10,100 00 

5,700 00 
10,200 00 

9,000 00 

4,250 00 
12,500 00 

5,100 00 
25,200 00 
13,500 00 
48,000 00 
27,305 00 

4,650 00 
46,200 00 

6,350 00 
13,200 00 

9,900 00 

8,750 00 
500 00 



$434,875 00 $524,825 00 



Securities held as collateral for cash loans : — 

Indianapolis and Cincinnati R. R. bonds, . 

Milwaukee and St. Paul R. R. bonds, 

Lake Erie, Wabash and St. Louis R. R. bonds, . 



Market value. Loaned thereon. 
$5,400 00 >| 
6,000 00 I $1,803 41 
800 00 J 



1876.] 



INS. COS. OF OTHER STATES. 



333 



10 shares N. Y., N. H. and H. R. R., . 
10 " First Nat'l Bank, Hartford, 
37 " Weed S. M. Co., Hartford, 
5 " Hartford Nat'l Bank, 



11,550 00 

1,000 00 

925 00. 

770 00 



$2,070 58 
600 00 



$16,445 00 $7,473 99 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) ,* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 

deposited in various banks, 
Interest due and accrued, .... 
Gross Assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$5,444 76 

405,000 00 

11,942 55 

524,825 00 

7,473 99 

80,569 50 

5,267 97 



-$1,040,423 77 



Surplus over Capital, $325,276 36 



$4,099 09 

25,577 90 

3,000 00 

182,570 42 



215,247 41 



£825,276 36 
500,000 00 



Income. 

Cash received for fire premiums, . . . $310,016 46 
Deduct re-insurance, rebate and return prem's, 26,452 51 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$283,563 95 
37,469 83 
36,869 05 



Gross Cash Income, $357,902 83 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$143,488 33 
2,941 82 



$140,546 51 



Cash dividends paid, 90,000 00 

paid for commissions and brokerage, .... 41,464 36 

for salaries of officers and employes, . . . 25,607 08 

for state and local taxes, 8,833 09 

for office, agency and incidental expenses, . . 17,806 81 



Gross Cash Expenditures, 



$324,257 85 



* Value of lands mortgaged, $752,830 00 

Value of buildings thereon, 488,726 00 

Total value of property mortgaged 

Amount of insurance held as collateral, 



$1,241,556 00 
302,667 00 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $30,050,15100 $411,330 89 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



24,722,520 00 283,563 95 



$54,772,671 00 $694,894 84 
26,306,229 00 327,579 78 



28,466,442 00 $367,315 06 
186,182 00 2,174 22 



,280,260 00 $365,140' 84 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (18 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



.,947,482 44 
859,991 41 
320,000 00 
90,000 00 
136,888 39 
123,200 00 



NATIONAL FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated 1838. Commenced business April 9, 1838.] 
Paid-up Capital, $200,000. 
Henry T. Drowne, President. Secretary, Henry H. Hall. 

Office, No. 52 Wall Street. 
Attorney to accept service, J. Edward Hollis, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States reg'd bonds, . . . . $115,000 00 $128,881 25 

New York Produce Exchange stock, . . - 600 00 



$129,481 25 



Securities held as collateral for cash loans :- 
25 shares Manhattan Insurance Co., . 



Market value. Loaned thereon. 

$3,000 00 $3,000 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . , $4,000 00 
Loans on mortgage of real estate (first liens),* 241,450 00 
Interest due and accrued thereon, . . . 3,726 92 
Stocks, bonds, etc., as per schedule, ... . 129,481 25 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$511,500 00 
236,800 00 



1876.] 



INS. COS. OF OTHER STATES. 



335 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in branch offices and in bank, 
Premiums in course of collection (net), . 

Gross Assets, 



Liabilities 
Losses adjusted, unpaid, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



13,000 00 

3,265 57 

28,324 76 

12,437 15 



$9,000 00 

81,192 76 

584 00 



$425,685 65 



93,776 76 

$331,908 89 
200,000 00 

$131,908 89 



Income. 

Cash received for fire premiums, . . . $194,185 55 
Deduct re-insurance, rebate and return prem's, 20,022 11 

Net cash received for fire premiums, . . $174,163 44 

Interest received on bonds and mortgages, .... 17,600 31 
Interest and dividends received from all other sources, . . 7,023 99 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Gross Cash Income, $198,787 74 



Expenditures. 

Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



,411 30 
32,000 00 
29,457 75 
18,270 85 
3,922 69 
26,127 92 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$23,175,723 00 
26,819,600 00 



$49,995,323 00 
26,851,519 00 



$23,143,804 00 
80,950 00 



$188,190 51 



Premiums. 

$175,200 72 
180,696 27 

$355,896 99 
186,644 23 

$169,252 76 
867 23 



$23,062,854 00 $168,385 53 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 



52,444,077 00 
1,179,134 00 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Cash dividends declared from organization of company, . $842,056 00 

Dividends declared during the year (16 per cent.), . . 32,000 00 

Losses incurred during the year, 73,4f 1 30 

Company's stock owned by directors, . . . ' . . 51,337 50 



NEWARK CITY INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated March 5, 1857. Commenced business March 21, I860.] 

Paid-up Capital, $200,000. 

Horace J. Poinier, President. Secretary, John Schnellbacher. 

Office, No. 191 Market Street. 

Attorney to accept service, H. K. Merrifield, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 



United States bonds, .... 
Essex county road improvement bonds, 
Newark city war bonds, 
Essex county bounty bonds, 
Newark city improvement bonds, 



Par value. 

$31,500 00 

14,000 00 

3,000 00 

3,000 00 

10,000 00 



Market value. 

$34,992 00 

15,120 00 

3,240 00 

3,240 00 

10,900 00 



il,500 00 $67,492 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Rents due and accrued, 
Scrip dividends due, . 
Gross Assets, 

Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus, as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$63,000 00 

129,700 00 

4,838 75 

67,492 00 

5,457 88 

43,566 67 

520 49 

10,180 34 

805 17 

653 40 



$326,214 70 



$8,321 81 

67,793 79 

6,265 00 

1,935 34 



84,315 94 

$241,898 76 
200,000 00 

$41,898 76 



* Value of lands mortgaged $100,000 00 

Value of buildings thereon, 230,000 00 



Total value of property mortgaged $330,000 00 

Amount of insurance held as collateral, 173,150 00 



1876.] 



INS. COS. OF OTHER STATES. 



337 



Income. 

Cash received for fire premiums, . . . $170,607 26 
Deduct re-insurance, rebate and return prenfs, 11,763 70 

Net cash received for fire premiums, . . $158,843 56 

Interest received on bonds and mortgages, .... 9,484 80 

Interest and dividends received from all other sources, . 5,807 18 
Income from all other sources ; viz., rents, $3,070.24 ; re- 
insurance, $1,558.58 ; other sources, $334.26, . . . 4,963 08 

Gross Cash Income, $179,098 62 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . ' 

Interest paid scripholders, 

Cash paid for redemption of scrip, 

for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, . 



,473 68 
89 96 




,383 72 
20,000 00 

578 00 

35,261 66 

22,777 69 

1,558 47 



$148,559 54 



Gross Cash Expenditures, .... 
Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $7,553,623 00 $99,928 51 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



14,067,139 00 185,942 36 



$21,620,762 00 $285,870 87 
11,489,747 00 150,205 55 



$10,131,015 00 $135,665 32 
256,196 00 2,777 28 



1,874,819 00 $132,888 04 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, ..... 
Company's stock owned by directors, .... 
43 



$803,261 00 

264,973 62 

126,641 42 

20,000 00 

71,085 74 

87,350 00 



338 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



NEW HAMPSHIRE FIRE INSURANCE COMPANY, MANCHESTER, 

N. H. 

[Incorporated, 1869. Commenced business April, 1870.] 
Paid-up Capital, $250,000. 

E. A. Straw, President. Secretary, John C. French, 

Office, Manchester. 
Attorney to accept service, Sewall A. Faunce, Boston. 



Detailed Statement of Stocks, 

New Hampshire state bonds, 6s 
Manchester city bonds, 6s, . 
St. Louis city bonds, 6s, . 
Zanesville city, O., bonds, 8s, 
Cleveland city, O., bonds, 7s, 
Chicago city, 111., bonds, 7s, 
Nashua city, N. H., bonds, 6s, 
Toledo city, O., bonds, 7s, . 
Concord city, N. H., bonds, 6s, 
Marietta cit}', O., bonds, 8s, 
Hillsborough county, N. H., bonds, 6s, 
Marion county, Ind., court-house bonds, 8s, 
Burlington and Mo. R. R., Iowa, bonds, 7s, 
" " Nev., bonds, 8s, 
C, B., and Quincy R. R. bonds, 7s, . 
J., L., and Saginaw R. R. bonds, 8s, . 
Mich. Air Line, R. R., 1st mort. bonds, 8s, 
Cheshire R. R. bonds, 6s, . 
Eastern R. R. gold bonds, 6s, . 
Maine Central R. R. gold bonds, 6s, . 
Old Colony R. R. bonds, 7s, 
Portland and Kennebec R. R. bonds, 6s, 
40 shares Suncook Valley R. R., 
50 " City Nat'l Bank, Manchester, 



Bonds, Etc. 

Tar value. 

$14,000 00 

44,500 00 

17,000 00 

' 10,000 00 

26,000 00 

10,000 00 

16,000 00 

10,000 00 

2,000 00 

10,000 00 

5,000 00 

25,000 00 

10,000 00 

15,000 00 

14,000 00 

10,000 00 

20,000 00 

13,000 00 

10,000 00 

10,000 00 

7,000 00 

5,000 00 

4,000 00 

5,000 00 



Market value. 

$15,400 00 

46,725 00 

17,000 00 

10,400 00 

26,260 00 

10,500 00 

16,800 00 

10,200 00 

2,080 00 

10,600 00 

5,100 00 

26,500 00 

10,800 00 

15,400 00 

15,260 00 

6,000 00 

18,000 00 

12,300 00 

5,200 00 

9,000 00 

7,000 00 

4,750 00 

4,000 00 

5,000 00 



112,500 00 $310,275 00 



Securities held as collateral for cash loans : — 



Brookline town bonds, 7s, . 

20 shares Manchester and Lawrence R. R 

Monadnock R. R. bonds, . 

50 shares Manchester and Lawrence R. R 

50 " Amoskeag Nat'l Bank, 

50 " Pembroke Mills, . 

United States bonds, . . 



Market value. Loaned thereon. 


$10,000 00^ 
2,000 00/ 


$ 12,000 00 


10,000 00 


10,000 00 


5,000 00 


5,000 00 


5,000 00 


5,000 00 


5,000 00 


3,750 00 


500 00 


400 00 


$37,500 00 


$36,150 00 



1876.] 



INS. COS. OF OTHEK STATES. 



339 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $56,948 47 

310,275 00 

36,150 00 

2,033 04 

27,678 71 

8,500 00 

10,509 65 

1,100 00 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in Amoskeag Natl Bank, 
Interest due and accrued, .... 
Premiums in course of collection (net), . 
Commissions from other companies, . 

Gross Assets, 

Liabilities. 
Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other 
Income from all other sources, . 



Gross Cash Income, $190,831 33 



$453,194 87 



$13,687 73 

2,100 00 

92,482 31 



108,270 04 

$344,924 83 

250,000 00 

$94,924 83 



$177,896 86 
14,926 39 



sources, . 



2,970 47 

24,940 16 

2,570 70 

350 00 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, . . . ' . 
Deduct risks expired and terminated, 

In force at end of year, 

* Total value of property mortgaged, .... 
Amount of insurance held as collateral, . 



$17,209,768 00 
15,419,567 00 



$32,629,335 00 
14,986,391 00 



$17,642,944 00 



$96,779 23 

20,000 00 

26,385 27 

7,266 30 

4,176 11 

8,102 71 

$162,709 62 



Premiums. 
$222,562 12 
162,970 47 

$385,532 59 
169,255 50 

$216,277 09 



$106,000 00 
20,000 00 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, 



$739,571 95 
318,591 34 
84,000 00 
20,000 00 
98,968 96 
83,000 00 



NEW YORK CITY INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated February 19, 1872. Commenced business March 1, 1872.] 

Paid-up Capital, $200,000. 

Richard L. Franklin, President. Secretary, John W. Simonson. 

Office, No. 100 Broadway. 
Attorney to accept service, Nathaniel Foster, Jr., Belmont. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 5-20 coupon bonds, 1865, . 
" " currency bonds, 6s, 

" " bonds, 5s, 1881, . 

N. Y. Guaranty and Indemnity Co. stock, 



Par value. 

$100,000 00 

50,000 00 

50,000 00 

6,425 00 



Market value. 

$113,875 00 

61,000 00 

56,125 00 

6,425 00 



$206,425 00 $237,425 00 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in Metropolitan Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

more than 3 months due, . $229 32 
Gross Assets, 



$237,425 00 

1,434 97 

11,529 96 

452 79 

14,924 75 



$265,767 47 



Liabilities. 

Losses adjusted, unpaid, ...... $2,000 00 

Unearned premiums on outstanding risks, . 40,136 84 

Commissions and brokerage, .... 1,000 00 

Gross Liabilities, except capital, . . 43,136 84 

Surplus as regards Policy-holders, . . • . . . $222,630 63 
Paid-up capital, 200,000 00 

Surplus over Capital, . . . ..... $22,630 63 



1876.] 



INS. COS. OF OTHER STATES. 



341 



Income. 

Cash received for fire premiums, . . . $107,511 48 
Deduct re-insurauce, rebate and return prem's, 18,641 24 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, . 



,870 24 
12,665 49 



Gross Cash Income, . $101,535 73 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . ... 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



,623 93 
2,400 31 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 



$47,223 62 
20,000 00 
13,870 61 
13,913 16 
210 86 
12,902 75 



,121 00 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $10,584,073 00 $80,468 11 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



14,129,003 00 107,227 30 



$24,713,076 00 $187,695 41 
12,571,511 00 105,789 93 



$12,141,565 00 $81,905 48 
•410,952 00 3,977 96 



$11,730,613 00 $77,927 52 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$578,191 00 
308,029 00 
60,000 00 
20,000 00 
41,766 00 
79,900 00 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

NEW YORK AND BOSTON INSURANCE COMPANY, NEW YORK, 

N. Y. 

[Incorporated July 28, 1876. Commenced business August 1, 1876.] 

Paid-tjp Capital, $200,000. 

Stephen Hyatt, President. Secretary, N. L. Roosevelt. 

Office at New York. 
Attorney to accept service, Samuel Appleton, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, 1867, .... $100,000 00 $116,500 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $61,250 00 

Interest due or accrued thereon, . . . 1,404 23 

Stocks, bonds, etc., as per schedule, . . . 116,500 00 

Cash in the office of the company, . . . 462 01 

deposited in various banks, . . . 28,051 05 

Premiums in course of collection (gross), . 5,335 26 

Gross Assets, $213,002 55 



Liabilities. 

Losses claimed and reported, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . . 



Surplus over Capital, 



11,800 00 

9,811 67 

590 88 

788 92 



12,991 47 



200,011 08 
200,000 00 

$11 08 



Income. 

Cash received for fire premiums, . . . $15,493 43 
Deduct re-insurance, rebate and return prem's, 699 98 

Net cash received for fire premiums, . . $14,793 45 

Interest and dividends received from all sources, . . . 277 78 



Gross Cash Income, $15,071 23 



* Value of 'lands mortgaged $79,500 00 

Value of buildings thereon . . . . . 42,000 00 

Total value of property mortgaged $121,500 00 

Amount of insurance held as collateral, 38,075 00 



1876.] 



INS. COS. OF OTHER STATES, 



343 



Expenditures. 

Cash paid for .fire losses, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



$409 96 

2,779 45 

4,653 68 

2,133 63 

$9,976 72 



Risks and Premiums. 



Fire risks written during 1876, . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$,107,085 05 $21,413 85 
265,925 00 1,191 51 



$2,841,160 05 $20,222 34 
153,250 00 1,010 12 



!,687,910 05 $19,212 22 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$15,493 43 

409 96 

2,209 96 

77,500 00 



NIAGARA FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital, #500,000. 

Henry A. Howe, President. Secretary, Peter Notman. 

Office, No. 201 Broadway. 
Attorney to accept service, Nathaniel Foster, Jr., Belmont. 



Detailed Statement of 

United States reg'd bonds, 6s, 1881, . 

5-20 reg'd bonds, 1865, 
" " reg'd cur. bonds, 6s, 

5-20 coupon bonds, 1865, 
New York city bonds, 7s, 

5s, 
Brooklyn city bonds, 7s, 
Jersey city bonds, 7s, 
Tennessee state bonds, 6s, 
Alabama state bonds, 8s, 



Stocks, Bonds, Etc. 

Par value. 

. $140,000 00 

. 100,000 00 

. 300,000 00 

60,000 00 

80,000 00 

. 120,000 00 

5,000 00 

20,000 00 

20,000 00 

10,000 00 



Market value. 

$159,600 00 

109,500 00 

364,500 00 

66,000 00 

89,100 00 

120,000 00 

5,750 00 

22,000 00 

8,000 00; 

3,300 00 



$855,000 00 $947,750 00 



344 FIRE, MARINE, AttD FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



Central R. R. of N. J., 

Lehigh and Wilkesbarre R. R., . 

202 shares Del., Lacka. and Western R. R. 

116 " N. J. Zinc Co., . 

15 " Warren R. R., . 
130 " Central R. R. of N. J., . 
Chesapeake and Ohio bonds, 
40 shares Lorillard Fire Ins. Co., 
12 " Metropolitan Gas Co., 

6 " N. Y. and N. H. R. R., 
United States 5-20 bonds, . 
20 shares First Nat'l Bank, Stamford, Ct., 
14 " Nat'l Bank of Commerce, N. Y. 
Augusta city, Ga., bonds, . 
50 shares Nat'l Bank of the Republic, N. Y., 



Market value. Loaned thereon. 

\ $120,000 00 $100,000 00 
I 17,000 00 15,000 00 



} 



4,400 00 


1,700 00 


50,000 00 


50,000 00 


1,000 00 


600 00 


1,500 00 


1,000 00 


850 00 


500 00 


570 00 


500 00 


2,200 00 


1,800 00 


2,540 00 


2,000 00 


3,500 00 


1,800 00 



$203,560 00 $174,900 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule 
Cash in the office of the company, .. 
deposited in Nat'l Park Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross Assets, 



$14,000 00 

129,700 00 

3,701 00 

947,750 00 

174,900 00 

6,631 25 

60,225 25 

8,196 00 

97,342 00 



.,442,445 50 



Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over capital, 



$64,580 00 

16,675 00 

341,401 00 

152 50 

12,700 00 



435,508 50 

1,006,937 00 

500,000 00 

$506,937 00 



* Value of lands mortgaged $181,500 00 

Value of buildings thereon, 175,000 00 



Total value of property mortgaged, $356,500 00 

Amount of insurance held as collateral, 131,000 00 



1876.] INS. COS. OF OTHER STATES. 345 

Income. 
Cash received for fire premiums, . . . $682,486 00 
Deduct re-insurance, rebate and return prem's, 84,495 00 

Net cash received for fire premiums, . T $597,991 00 

Interest received on bonds and mortgages, .... 7,682 00 
Interest and dividends received from all other sources, . . 64,346 00 
Income on all other sources; viz., rents, $1,050 ; profit on 
bonds sold, $9,000, 10,050 00 

Gross Cash Income, . . . ..... $680,069 00 

Expenditures. 

Cash paid for fire losses, ; $378,584 00 

Deduct salvage and re-insurance, . . . 19,086 00 

Net cash paid for fire losses, .... $359,498 00 

Cash dividends paid, 49,850 00 

paid for commissions and brokerage, .... 93,748 00 

for salaries of officers and employes, . . . • . 72,465 00 

for state and local taxes, . . .... 16,996 00 

for office, agency and incidental expenses, . . 82,735 00 

for loss on Southern bonds, 8,050 00 



Gross Cash Expenditures, . 

Risks and Premiums. 



,342 00 



Premiums. 

Fire risks outstanding December 31, 1875, $67,388,712 00 $789,728 00 
written during 1876, . . . 67,737,33100 686,532 00 



Total, $135,126,043 00 $1,476,260 00 

Deduct risks expired and terminated, . 69,675,012 00 791,134 00 



In force at end of year, .... $65,451,031 00 $685,126 00 
Deduct amount re-insured, . . . 3,156,333 00 38,512 00 



Net amount in force, .... $62,294,698 00 $646,614 00 

Miscellaneous. 

Premiums received from organization of company, . $9,691,825 00 
Losses paid from organization of company, .... 5,476,245 00 
Cash dividends declared from organization of company, . 1,344,000 00 

Losses incurred during the year, 334,500 00 

Company's stock owned by directors, ..... 223,400 00 

44 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
NORTHERN INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 23, 1872. Commenced business March 23, 1872.] 

Paid-up Capital, #250,000. 

G. Lord, President, Secretary, A. II. Wray. 

Office at Watertown, N. Y. 
Attorney to accept service, James Goodman, Boston. 



Detailed Statement op Stocks, Bonds, Etc. 



Par value. 



Market value. 



United States 10-40 reg'd bonds, 
Rome, Watertown and O. R. R. bonds, 
Theresa and Clayton R. R. bonds, 
Keokuk and Des Moines R. R. bonds, 
Utica, Clinton and Binghamton R. R. bonds, 
Carthage, Watertown and S. H. R. R. bonds, 
Manistee city bonds, 10s, .... 



Securities held as collateral for cash loans 

Davis S. M. Co. bonds, .... 
Merchants' Bank stock, Watertown, N. Y., 
Homestead Ins. Co. stock, .... 
Hounsfield town bonds, .... 
Jefferson Co. Bank stock, .... 
Mortgage on city property, 
Watertown S. Engine Co. stock, 

bonds, 
Homestead Ins. Co. stock, .... 
Nat'l Union Bank stock, .... 



$25,000 00 |28,343 75 
14,000 00 14,000 00 
10,000 00 10,000 00 



4,000 00 

1,000 00 

1,000 00 

400 00 



4,000 00 

1,000 00 

1,000 00 

400 00 



$55,400 00 $58,743 75 



Market value. Loaned thereon. 


$12,000 00 


$10,000 00 


8,000 00 


6,000 00 


1,000 00 


800 00 


1,000 00 


900 00 


5,500 00 Y 
. 700 00 / 


5,500 00 


3,750 00^ 




1,000 00 i 
1,000 00 f 

8 


4,000 00 


2,090 00 J 





$36,040 00 $27,200 00 



Summary op Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $27,600 00 

Loans on mortgage of real estate (first liens)* 176,689 17 
Interest due or accrued thereon, . . . 8,606 85 

Stocks, bonds, etc., as per schedule, . . . 58,743 75 

Loans on collateral security, as per schedule, . 27,200 00 
Cash in the office of the company, . . . 1,838 GQ 

deposited in Nat 1 ! Union Bank, . . 41,971 79 



* Value of lands mortgaged, 
Value of buildings thereon, 

Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$291,000 00 
110,850 00 

$401,850 00 
82,800 00 



1876.] 



INS. COS. OF OTHER STATES. 



347 



Interest due and accrued, 

Premiums in course of collection (gross), 
Rents duo and accrued, ..... 
Prem's trusteed by claimant, . . $2,380 68 
Cash in Paddock and Co.'s bank 

(insolvent), 774 86 

Office furniture, maps, etc., . . 2,000 00 



Gross Assets, 



$5,155 54 



$1,404 00 

19,965 93 

67 70 



$364,087 85 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$6,787 45 

3,040 00 

1,650 00 

57,622 41 

3,801 16 



72,901 02 

$291,186 83 

250,000 00 

$41,186 83 



Income. 

Cash received for fire premiums, . . . $127,501 79 
Deduct re-insurance, rebate and return prem's, 10,787 24 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources; viz., rents, $681.23; pre- 
mium on gold, $571.55 ; commissions from other com- 
panies, $249.98, 



$116,714 55 
9,430 12 
7,783 62 



1,502 76 



Gross Cash Income, $135,431 05 



EXPENDITUKES. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$56,737 67 
75 81 



for office, agency and incidental expenses, 



$56,661 86 

23,102 02 

6,610 73 

4,970 31 

10,242 47 



Gross Cash Expenditures, $101,587 39 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $6,969,337 00 $102,727 74 
written during 1876, . . . 9,799,659 03 136,652 66 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 

Net amount in force, . 



$16,768,996 03 $239,380 40 
9,526,442 46 126,638 48 



,242,553 57 $112,741 92 
37,568 75 512 69 



r ,204,984 82 $112,229 23 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . , 
Losses incurred during the year, '. . . 
Company's stock owned by directors, 



$684,147 37 

483,540 53 

50,384 99 

78,300 00 



NORTHWESTERN NATIONAL INSURANCE COMPANY, MIL- 
WAUKEE, WIS. 

[Incorporated February, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

Alexander Mitchell, President. Secretary, John P. McGregor. 

Office at Milwaukee. 
Attorney to accept service, Hammond Vinton, Boston. 



Detailed Statement of Stocks, 



United States reg'd bonds, 6s, 1881, . 
" " " " 5s, 1881, . 

" 5-20, 1865, 
" " " " 1867, 

" " " currency bonds, 6s, 

Mil. and St. Paul R. R. 1st rnort. bonds, 8s, 
Chi., Mil. and St. Paul R. R. 1st mort. bonds, 7s 
Milwaukee city water bonds, 7s, 
Milwaukee Iron Co. 1st mort. bonds* 



Bonds, Etc. 

Par value. 

$70,000 00 
88,000 00 
25,000 00 
17,000 00 

100,000 00 
15,000 00 
40,000 00 

150,000 00 
20,000 00 



Market value. 

$82,250 00 
97,570 00 
28,375 00 
19,783 75 

121,875 00 
17,500 00 
40,000 00 

157,500 00 
20,000 00 



$525,000 00 $584,853 75 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $146,000 00 

* Value of lands mortgaged $300,500 00 

Value of buildings thereon, 150,000 00 

Total value of property mortgaged $450,500 00 

Amount of insurance held as collateral 105,900 00 



1876.] 



INS. COS. OF OTHER STATES. 



349 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, , 
Cash in the office of the company, . 

deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Salvage on losses paid, 

Gross Assets, .... 

Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks 
Re-insurance due other companies, . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . . 



Surplus over Capital, 



$1,946 68 

584,853 75 

744 69 

94,090 55 

801 67 

29,061 34 

10,709 00 

1,197 90 



$4,778 00 

13,725 00 

2,700 00 

176,078 33 

1,611 67 



$869,405 58 



198,893 00 

$670,512 58 

600,000 00 

$70,512 58 



Income. 

Cash received for fire premiums, . . . $390,645 59 
Deduct re-insurance, rebate and return prem's, 47,422 19 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $53,554 47 
Deduct re-insurance, rebate and return prem's, 5,941 51 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $280 00 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 



$343,223 40 



47,612 96 



12,087 66 
34,603 11 

Gross Cash Income, $437,527 13 



Expenditures. 

Cash paid for fire losses, 

paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$83,390 57 
2,121 76 



for office, agency and incidental expenses, 



Gross Cash Expenditures, . . . . . y . $419,155 30 



$145,812 53 



81,268 81 
61,405 00 
50,728 95 
32,847 73 
14,244 72 
32,847 56 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$23,778,278 00 
36,748,564 00 



,526,842 00 
34,980,256 00 



$25,546,586 00 
386,357 00. 



Premiums. 

$334,489 80 
390,645 59 

$725,135 39 
386,465 84 

$338,669 55 
4,205 00 



$25,160,229 00 $334,464 55 



$359,700 00 
5,473,980 00 



$5,833,680 00 
5,680,680 00 



$6,056 00 
53,554 47 

$59,610 47 
57,310 47 



$153,000 00 $2,300 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent), 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$2,708,353 32 

1,566,513 38 

150,000 00 

60,000 00 

157,429 91 

341,600 00 



ORIENT INSURANCE COMPANY, HARTFORD, CT. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $500,000. 

Selden C. Preston, President. Secretary, Geo. W. Lester. 

Office at Hartford. 
Attorney to accept service, John C. Paige, Boston. 



Detailed Statement of Stocks, 

504 shares American Natl Bank, Hartford, 
120 
130 
134 
119 
62 
182 
124 
324 
100 ' 



iEtna Natl Bank, Hartford, . 
Charter Oak Natl Bank, Hartford, . 
Farmers and Mech. Nat'l B'k, Htf 'd, 
Mercantile Natl Bank, Hartford, 
Phoenix Natl Bank, Hartford, . 
Exchange Natl Bank, Hartford, 
City Natl Bank, Hartford, 
Hartford Natl Bank, Hartford, 
Conn. Trust and Safe Dep. Co., H'f 'd, 



Bonds, Etc. 

Par value. 

$25,200 00 
12,000 00 
13,000 00 
13,400 00 
11,900 00 
6,200 00 
9,100 00 
12,400 00 
32,400 00 
10,000 00 



Market value. 

$36,288 00 
15,480 00 
17,550 00 
17,420 00 
15,232 00 
10,044 00 
12,194 00 
11,656 00 
50,544 00 
9,000 00 



1876.] 



INS. COS. OF OTHEE STATES. 



351 



100 shares Metropolitan Nat'l Bank, N. Y., 
100 " Fourth Nat'l Bank, N. Y., 
317 " N. Y., N. H. and Hartford R. R., 
100 " Albany and Susquehanna R. R., 
400 " Cleveland and Pittsburgh R. R., 
Indiana Central R. R. bonds, 10s, 
Indianapolis and Cin. R. R. bonds, 7s, 
Hartford, Prov. and Fishkill R. R. bonds, 7s, 
Atlantic Dock Co. bonds, 7s, . 
West Middle School Dist., H'f 'd, Ct., bonds, 7s 
Fifth School Dist.,.E. Windsor, Ct., bonds, 7s, 
Ninth School Dist., Windsor, Ct., bonds, 8s, 
Town of Norwich, Conn., bonds, 7s, 
Town of Pawtucket, R. L, bonds, 7s, 
City of Washington, Ind., bonds, 8s, . 
City of Lockport, N. Y., bonds, 7s, . 



110,000 00 
10,000 00 
34,700 00 
10,0u0 00 
20,000 00 
10,000 00 
11,000 00 
50,000 00 

9,000 00 
10,000 00 
10,000 00 

3,000 00 
60,000 00 
25,000 00 
15,000 00 
10,000 00 



$12,500 00 

9,6G2 50 

52,050 00 

8,600 00 

18,000 00 

10,000 00 

9,900 00 

53,000 00 

9,450 00 

11,000 00 

11,000 00 

3,300 00 

66,000 00 

27,500 00 

16,200 00 

10,800 00 



$443,300 00 $524,370 50 



Securities held as collateral for cash loans :— 



5 shares JEtna Nat 1 ! Bank, Hartford, 



Weed S. M. Co., Hartford, 

Warren R. R. Co., . 

Nat'l Fire Ins. Co., Hartford, 

Adams Express Co., 

JEtna Life Ins. Co., Hartford, 

Shaler & Hall Quarry Co., 

JEtna Fire Ins. Co., Hartford, 

American Nat'l Bank, Hartford, 

Charter Oak Nat'l Bank, Hartford, 

First Natl Bank, Hartford, 



206 
41 
25 
25 

6 

7 

2 
15 

5 

3 
Trust Deed, 1st mort. bond, 



388 shares Willimantic Linen Co., 
Conn, state reg'd bond, 



Market value. 

$645 00 

2,090 00 

1,865 CO 

3,825 00 

2,550 00 

2,400 00 

1,400 00 

480 00 

1,080 00 

675 00 

306 00 

1,600 00 

1,000 00 

2,000 00 

25,608 00 

10,000 00 



Loaned thereon. 

$300 00 



} 



3,000 00 

600 00 
2,000 00 
1,200 00 

350 00 



3,480 00 



900 00 

800 00 

20,000 00 

4,000 00 

$57,524 00 $36,630 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $115,167 00 

Interest due or accrued thereon, . . . 3,261 49 

Stocks, bonds, etc., as per schedule, . . . 524,370 50 

Loans on collateral security, as per schedule, . 36,630 00 

Cash in the office of the company, . . . 920 14 

deposited in American Nat'l Bank, . . 50,491 46 

Interest due and accrued, 12,917 09 

Premiums in course of collection (net), . . 32,421 79 

Gross Assets, $776,179 47 



* Total value of property mortgaged, . $263,090 00 

Amount of insurance held as collateral 116,700 00 



352 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Liabilities. 

Losses adjusted, unpaid, f 20,808 65 

Unearned premiums on outstanding risks, . 151,832 90 

Gross Liabilities, except capital, . . $172,641 55 



Surplus as regards Policy-holders, $603,537 92 

Paid-up capital, 500,000 00 



Surplus over Capital, . . . .'.... $103,537 92 

Income. 

Cash received for fire premiums, . . . $287,240 78 
Deduct re-insurance, rebate and return prem's, 27,940 40 

Net cash received for fire premiums, . . — $259,300 38 

Interest received on bonds and mortgages, .... 10,885 41 
Interest and dividends received from all other sources, . . 38,912 14 



Gross Cash Income, . . $309,097 93 

Expenditures. 

Net cash paid for fire losses, $145,920 12 

Cash dividends paid, 52,500 00 

paid for commissions and brokerage, .... 39,430 72 

for salaries of officers and employes, . . . 24,329 31 

for state and local taxes, 7,270 82 

for office, agency and incidental expenses, . . 24,336 43 



Gross Cash Expenditures, . . . . $293,787 40 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $24,276,354 00 $344,628 28 
written during 1876, . . . 22,384,082 00 287,240 78 



Total, $16,660,436 00 $631,869 06 

Deduct amount re-insured and terminated, 23,936,808 00 325,974 15 



Net amount in force, .... $22,723,628 00 $305,894 91 

Miscellaneous. 
Premiums received from organization of company, . $1,813,397 59 

Losses paid from organization of company, . . . . 944,405 20 

Cash dividends declared from organization of company, . 201,500 00 

Dividends declared during the year, 52,500 00 

Losses incurred during the year, 143,631 32 

Company^ stock owned by directors, . . . . . 71,100 00 



1876.] 



INS. COS. OF OTHER STATES. 



353 



ORIENT MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated February 18, 1854. Commenced business March 1, 1854.] 

Eugene Dutilh, President. Secretary, Charles Irving. 

Office, No. 43 Wall Street. 
Attorney to accept service, Geo. E. Foster, Boston. 



Detailed Statement of 



United States bonds, 4|s, . 

5s, 1881, . 
" 5-20 bonds, 1865, . 
" " 10-40 coupon bonds, 
« " 10-40 reg'd bonds, 
Phenix Nat'l Bank stock, . 
West India and Panama Tel. Co., 
Merchants 1 Exchange, preferred, 



Stocks, Bonds, Etc. 

Par value. 

$50,000 00 

15,000 00 

60,000 00 

23,000 00 

378,000 00 

20,000 00 

5,000 00 

1,000 00 



Market value. 

$54,000 00 

16,809 37 

66,300 00 

26,383 75 

429,030 00 

20,000 00 

4,698 58 

1,000 00 



$552,000 00 $618,221 70 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, .... 

Bills receivable, 

Subscription notes in advance of premiums, 
$180,661.42; Co.'s own scrip, $100,380. 
Gross Assets, 



$122,019 93 

618,221 70 

500 00 

255,140 24 

3,091 00 

114,523 69 

104,415 01 

50,200 00 

28,164 13 



■$1,296,275 70 



Liabilities. 

Losses claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Salvage claims, . 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Unused balances of premium notes, . 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
45 



$175,500 00 
15,000 00 

$190,500 00 
50,200 00 

$140,300 00 

195,916 72 

479 00 

1,545 00 

9,800 75 



$2,546 83 
1,750 00 


$352,338 30 




. $943,937 40 
. 931,420 00 



354 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Commissions and brokerage, .... 

Interest due, 

Gross Liabilities, except scrip, . 

Surplus as regards Policy-holders, 
Scrip outstanding, not ordered to be redeemed, 

Surplus over Scrip, . $12,517 40 

Income. 

Cash received for marine and inland prem's, . $752,786 27 
Deduct re-insurance, rebate and return prem's, 149,046 71 

Net cash received for marine and inland risks, $603,739 56 

Interest and dividends received from all sources, . . . 44,163 02 
Income from all other sources, 3,724 49 



Gross Cash Income, . . $651,627 07 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Interest paid scripholders, 

Cash paid for redemption of scrip, . 

for commission and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 



$605,596 06 
130,524 68 



for office, agency and incidental expenses, 



Gross Cash Expenditures, . $704,559 92 



$475,071 38 
\ 126,435 00 

24,930 01 

51,173 48 

9,839 85 

17,110 20 



Risks and Premiums. 

Premiums. 

Marine risks outstanding December 31, 1875, $21,392,239 00 $233,785 99 
written during 1876, . . 69,922,581 00 729,365 83 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$1,314,820 00 |963,151 82 
74,524,471 00 767,235 10 



$16,790,349 00 $195,916 72 



1876.] 



INS. COS. OF OTHER STATES. 



355 



PACIFIC FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated April 26, 1851. Commenced April 29, 1851.] 

Paid-up Capital, $200,000. 

Thomas F. Jeremiah, President. Secretary, William A. Butler. 

Office, No. 470 Broadway. 
Attorney to accept service, Cyrus Brewer, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 



United States currency bonds, 6s, 
" " coupon bonds, 1867, 

1881, 
" " reg'd bonds, 1865, 
" « " " 1867, 

" iggi, 

" " 10-40 reg'd bonds, 
" " " coupon bonds, 



Par value. Market value. 

$125,000 00 $151,875 00 

12,000 00 13,620 00 



1,000 00 
15,000 00 
45,000 00 
20,000 00 
10,000 00 
71,500 00 



1,140 00 
16,425 00 
51,075 00 
22,700 00 
11,300 00 
81,153 00 



$299,500 00 $349,288 00 



Securities held as collateral for cash loans : — 



40 shares Mechanics' Bank, 

62 " Marine Bank, . 
5 " Amity Fire Ins. Co., . 

50 " Brooklyn Trust Co., . 
Atlantic Mutual Ins. Co. scrip, . 
Union Mutual Ins. Co. scrip, 
New York Mutual Ins. Co. scrip, 
100 shares Pacific Bank, 

40 
100 

20 

20 

30 

18 

25 

40 
5 
2 

20 

10 

20 



Stuyvesant Ins. Co., . 
American Express Co., 
Importers and Traders' Ins. Co. 
Chatham Bank, 
Importers and Traders 1 Ins. Co., 



Star Fire Ins. Co., . 
Broadway Bank, 
Star Fire Ins. Co., 
Eighth Avenue R. R., 
Merchants' Fire Ins. Co., 
People's Fire Ins. Co., 
American Fire Ins. Co., 



Market value. Loaned thereon. 


$3,000 00' 




6,200 00 




500 00 




2,000 00 


- $10,000 00 


200 00 




300 00 




150 00 J 




6,750 00 


3,500 00 


1,500 001 
6,000 00 J 


► 3,500 00 


3,800 00 >| 




675 00 


> 2,975 00 


1,875 00 J 




1,125 00 


600 00 


3,125 00 


2,250 00 


2,250 00 


1,500 00 


625 00 


450 00 


400 00 


300 00 


2,000 00 


1,000 00 


750 00 


400 00 


1,500 00 


1,000 00 



$44,725 00 $27,475 00 



356 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $75,000 00 

Loans on mortgage of real estate (first liens),* 212,750 00 

Interest due or accrued thereon, . . . 1,855 00 

Stocks, bonds, etc., as per schedule, . . . 349,288 00 

Loans on collateral security, as per schedule, . 27,475 00 

Cash in the office of the company, . . . 4,449 14 

deposited in Pacific Natl Bank, . . 21,650 94 

•Interest due and accrued, ..... 3,980 93 

Premiums in course of collection (gross), . 7,342 51 

Gross Assets, $703,791 52 

Liabilities. 

Losses claimed and reported, . . . . $7,963 00 

Unearned premiums on outstanding risks, . 85,752 16 

Gross Liabilities, except capital, . . 93,715 16 



Surplus as regards Policy-holders, . . . . . $610,076 36 
Paid-up capital, 200,000 00 

Surplus over Capital, $410,076 36 



Income. 

Cash received for fire premiums, . . . $166,333 72 
Deduct re-insurancc, rebate and return prem's, 12,065 24 

Net cash received for fire premiums, . . $154,268 48 

Interest received on bonds and mortgages, .... 14,533 14 

Interest and dividends received from all other sources, . . 23,410 97 

Income from rents, . . . . .... 2,725 00 

Gross Cash Income, $194,937 59 

Expenditures. 

Cash paid for fire losses, . . . . .... $09,603 06 

dividends paid, 60,000 00 

paid for commissions and brokerage, .... 18,219 09 

for salaries of oflicers and employes, . . , 24,350 00 

for state and local taxes, 4,055 03 

for office, agency and incidental expenses, . . 12,001 62 

Gross Cash Expenditures, $188,228 80 



* Value of lands mortgaged, . . . ' . . $242,500 00 

Value of buildings thereon 200,000 00 

Total value of property mortgaged, , $442,500 00 

Amount of insurance held as collateral, . • 186,700 00 



1876.] 



INS. COS. OF OTHER STATES. 



357 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $27,173,301 00 $189,143 29 
written during 1876, . . . 28,493,618 00 174,786 34 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$55,666,919 00 $363,929 63 
29,995,301 00 199,555 26 



$25,671,618 00 $164,374 37 
205,500 00 1,083 13 



$25,466,118 00 $163,291 24 



Miscellaneous. 
Premiums received from organization of company, . f 2,887,131 00 
Losses paid from organization of company, . . . 1,266,096 00 

Cash dividends declared from organization of company, . 858,000 00 
Dividends declared during the year (30 per cent.), . . 60,000 00 
Losses incurred during the year, . . ..... 64,453 00 

Company's stock owned by directors, 49,100 00 



PACIFIC MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated 1854. Commenced business January 10, 1855.1 

John K. Myers, President. Secretary, Willoughby Powell. 

Office, No. 119 Broadway. 
Attorney to accept service, Jos. F, Hovey, Boston. 



Detailed Statement of Stocks, 



United States 10-40 coupon bonds, 
" " 10-40 reg'd bonds, 

" " 5-20 regM bonds, 

South Carolina coupon bonds, 6s, 

" " scrip, 6s, . 

Del. and Hudson Canal Co. reg'd bonds, 
268 shares Del. and Hudson Canal Co., 

25 
100 

50 

85 

67 
100 

75 

25 

50 



Harlem Bank, . 

American Exch. Natl Bank, 

Bank of the Metropolis, . 

Bank of No. America, 

Central Natl Bank, . 

Natl Bank of Commerce, 

Coast Wrecking Co., 

International Ocean Tel. Co., 

N. Y. Merch. Exch. and N. Assoc, 



Atlantic Mut. Ins. Co. scrip, 



Bonds, Etc. 

Par value. 

$3,000 00 

200,000 00 

100,000 00 

11,000 00 

350 00 

10,000 00 

26,800 00 

2,500 00 

10,000 00 

5,000 00 

8,500 00 

6,700 00 

10,000 00 

7,500 00 

2,500 00 

1,000 00 

410 00 



} 



Market value. 

$9,040 00 

226,000 00 

110,000 00 

4,500 00 

10,400 00 

19,028 00 
1,250 00 

10,500 00 
4,000 00 
7,735 00 
6,767 00 

10,800 00 

1,875 00 

1,250 00 

900 00 

389 50 



$410,260 00 $424,434 50 



358 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans 



New York Central Co. bonds, 6s, 
United States 5-20 reg'd bonds, '65 

30 shares Union Bank, 

32 " Bank of New York, . 
United States Life Ins. Co. scrip, 
200 shares United States Life Ins. Co 

40 

35 
100 

30 

38 



Trust Co., 
Merchants' Bank, 
Broadway Bank, 
Guardian Fire Ins. Co., 
Importers and Traders Ins. Co 
Manhattan Co., 
25 " People's Bank, . 
20 " Del. and Hudson Canal Co 
United States 5-20 coupon bonds, 
30 shares Sterling Fire Ins. Co., 
50 " Guardian Fire Ins. Co., 
20 " Ridgewood Fire Ins. Co., 
115 " Home Fire Ins. Co., . 
20 " Nassau Fire Ins Co., 
20 " Resolute Fire Ins. Co., 
20 " Continental Fire Ins. Co., 
10 " Lamar Fire Ins. Co., 
10 " Union Ferry Co., 
475 " Fourth Nat'l Bank, . 
100 " Central Nat'l Bank, . 



Market value. Loaned thereon. 
$5,200 00 $1,000 00 
11,000 00 10,000 00 

1,950 00 >| 

3,840 00 I 

5,000 00 I 



17,500 00 




13,880 00 




2,047 50 


■ 47,500 00 


5,175 00 




2,910 00 




4,370 00 




5,940 00 




843 75; 




1,430 00 


1,100 00 


508 50 


250 00 


3,180 00^ 




4,850 00 




2,260 00 




12,650 00 




1,800 00 




1,660 00 


> 67,000 00 


2,600 00 




1,000 00 




1,360 00 




47,025 00 




10,100 00, 





$170,079 75 $129,850 00 



Summary op Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $424,434 50 

Loans on collateral security, as per schedule, . 129,850 00 

Cash in the office of the company, . . . 2,337 40 

deposited in various banks, . . . 124,553 40 

Interest due and accrued, . . . . . 48 00 

Premiums in course of collection (net), . . 14,574 97 

Notes taken for marine and inland risks, . . 57,188 39 

Salvage and re-insurance due, .... 50,450 00 

Subscription notes (less $75,580.11 unused bal.), 5,419 89 

All other claims, 17,290 15 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, . . . . $98,000 00 

Unearned premiums on outstanding risks, . 67,042 87 

Unpaid scrip ordered to be redeemed, . . 12,986 00 

Interest due or accrued on scrip, . . . 12,485 64 



$826,146 70 



1876.] INS. COS. OF OTHER STATES. 359 

Due and accrued for rent, salaries, etc., . . $ 2,000 00 

Re-insurance and rebate, 9,116 78 

Gross Liabilities, except scrip, . . $201,631 29 

Surplus as regards Policy-holders, . . . . . $624,515 41 
Scrip outstanding, not ordered to be redeemed, . . . 584,923 00 

Surplus over Scrip, . . $39,592 41 

Income. 

Cash received for marine and inland prem's, . $686,679 93 
Deduct re-insurance, rebate and return prem's, 223,166 45 

Net cash received for marine and inl'd prem's, $463,513 48 

Interest and dividends received from all sources, . . . 42,398 50 
Income from all other sources, 3,000 57 

Gross Cash Income, $508,912 55 

Expenditures. 

Cash paid for marine and inland losses, . . $361,668 36 
Deduct salvage and re-insurance, . . . 98,630 24 

Net cash paid for marine and inland losses, . $263,038 12 

Interest paid scripholders, \ 41 229 02 

Cash paid for redemption of scrip, / 

for commissions and brokerage, .... 28,926 71 

for salaries of officers and employes, . . . 63,633 50 
for state and local taxes, . . .... 10,743 38 

for all other items, including office, agency and 
incidental expenses, . . .... 66,339 00 

Gross Cash Expenditures, $473,909 73 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1875, . $5,627,007 00 $77,853 75 
written during 1876, . . 79,909,572 00 602,406 56 

Total, . . . . . . . $85,536,579 00 $680,260 31 

Deduct risks expired and terminated, . 80,229,428 00 613,217 44 

In force at end of year, .... $5,307,151 00 $67,042 87 
Deduct amount re-insured, . . . 363,371 00 4,392 51 

Net amount in force, . . • . . $4,943,780 00 $62,650 36 

Miscellaneous. 
Premiums received from organization of company, . $15,162,792 70 
Losses paid from organization of company, . . . 8,946,299 65 



360 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



PARK FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March, 1853. Commenced business, March, 1853.] 

Paid-up Capital, $200,000. 

William Jaffray, President. Secretary, William Valentine 

Office, No. 170 Broadway. 
Attorney to accept service, H. H. Westgate, Melrose. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

$240,000 00 $272,400 00 

20,000 00 22,700 00 

15,000 00 17,475 00 

35,000 00 43,662 50 

15,000 00 5,550 00 



United States 5-20 reg'd bonds, 1865, 
" " " coupon bonds, 1865, 

" " " regM bonds, 1867, 

" " reg'd bonds, 6's, . 

New Jersey Cent. R. R. stock, . 



$325,000 00 $361,787 50 



Summary of Assets, December 31, 1876. 

Stocks, bonds, etc., as per schedule, . . . $361,787 50 

Cash deposited in Broadway Nat'l Bank, . . 4,797 74 

Premiums in course of collection (gross), . 6,136 40 

more than 3 mos. due, $1,143 75 

Gross Assets 

Liabilities. 

Losses claimed and reported, 
disputed or resisted, 

Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, . . 33,637 29 



$415 


00 


1,000 


00 


$30,380 


28 


750' 


00 


1,092 


01 



Surplus as regards Policy-holders, $339,084 35 

Paid-up capital, 200,000 00 

Surplus over Capital, $139,084 35 

Income. 

Cash received for fire premiums, . . . $66,845 15 
Deduct re-insurance, rebate and return prem's, 6,718 42 

Net cash received for fire premiums, . . $60,126 73 

Interest and dividends received from all sources, . . . 21,545 76 



Gross Cash Income, . . . . . . . . $81,672 49 

Expenditures. 

Cash paid for fire losses, . . . ..... $26,868 50 

for dividends paid, 40,000 00 

for commissions and brokerage, . . . . 7,111 37 



1876.] 



INS. COS. OF OTHER STATES. 



Cash paid for salaries of officers and employes, 

all other items ; viz., rent, $4,750 ; fire patrol, 
$930.84 ; office, agency and incidental ex- 



penses, $1,124.93, 



361 

$13,800 00 

6,805 77 



Gross Cash Expenditures, $94,585 64 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$11,927,551 12 

13,767,115 82 

$25,694,666 94 

15,369,572 29 



$10,325,094 65 
383,500 00 



Premiums. 
$71,207 21 
67,714 14 

M 38,921 35 
76,742 72 

$62,178 63 
1,357 91 



),941,594 65 $60,820 72 



Miscellaneous. 

Premiums received from organization of company, . $2,136,741 28 

Losses paid from organization of company, . . . 1,063,928 08 

Cash dividends declared from organization of company, 566,000 00 

Dividends declared during the year (20 per cent.), . 40,000 00 

Losses incurred during the year, 23,854 04 

Company's stock owned by directors, .... 53,900 00 



PATERSON FIRE INSURANCE COMPANY, PATERSON, N. J. 

[Incorporated 1872. Commenced business May, 1872.] 

Paid-up Capital, $202,700. 

John J. Brown, President. Secretary, T. Sherman. 

Office at Paterson. 
Attorney to accept service, H. H. Westgate, Melrose. 



Detailed Statement of Stocks, Bonds, Etc. 



United States 10-40 reg'd bonds, 

" 5-20 reg'd bonds, 1865, 
" " coupon bonds, 5s, 
New York city reg'd bonds, 6s, 
Passaic water bonds, . 
First Nat'l Bank stock, 
Acquackanonk bonds, 



Tar value. 

$30,000 00 

32,000 00 

38,000 00 

20,000 00 

49,500 00 

3,000 00 

2,000 00 



Market value. 

$34,200 00 

35,360 00 

42,560 00 

20,800 00 

49,500 00 

3,600 00 

2.000 00 



46 



$174,500 00 $188,020 00 



3G2 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans : — 



40 shares Paterson Gas Light Co., 

20 " Merchants' Loan and Trust Co., 
40 " Second Nat 1 l Bank, . 
4 " Passaic Water Co. niort. bonds, . 



Market value. Loaned thereon. 

$l,ioo oo I $2}000 00 

J 



1,100 00 
2,200 00 
2,400 00 
2,000 00 



1,500 00 
2,200 00 
1,500 00 



>,800 00 $7,200 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Rents due and accrued, .... 
Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$7,629 76 

76,662 20 

2,683 17 

188,020 00 

7,200 00 

45,704 18 

949 10 

41,058 90 

2,149 97 

963 00 



$13,922 78 
6,099 40 
2,750 00 

130,297 50 

215 00 

1,723 34 



$373,020 28 



155,008 02 

$218,012 26 
202,700 00 

$15,312 26 



Income. 

Cash received for fire premiums, . . . $264,540 08 
Deduct re-insurance, rebate and return prem's, 8,979 38 

Net cash received for fire premiums, . . $255,560 70 

Interest received on bonds and mortgages, .... 5,324 37 
Interest and dividends received from all other sources, . 10,331 87 
Received for calls on capital, . $10,600 00 

Gross Cash Income, . . . . . . . . $271,216 94 

* Value of lands mortgaged, $93,300 00 

Value of buildings thereon 127,700 00 

Total value of property mortgaged $221,000 00 

Amount of insurance held as collateral 48,100 00 



1876.] INS. COS. OF OTHER STATES. 363 

Expenditures. 

Cash paid for fire losses, $141,405 13 

Deduct salvage and re-insurance, . . . 880 00 

Net cash paid for fire losses, .... $140,525 13 

Cash dividends paid, 13,734 00 

paid for commissions and brokerage, .... 61,742 19 
for salaries of officers and employes, . . . 6,028 33 

for state and local taxes, 1,372 24 

for rent, $700 ; office, agency and incidental 

expenses, $5,165.76, 5,865 76 



Gross Cash Expenditures, $229,267 65 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $7,481,345 00 $126,493 80 



written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 

Net amount in force, . 



16,323,742 00 284,464 68 



$23,805,087 00 $410,958 48 
9,270,342 00 150,725 34 



$14,534,745 00 $260,233 14 
77,500 00 1,203 82 



$14,457,245 00 $259,029 32 



Miscellaneous. 

Premiums received from organization of company, . . $404,913 36 

Losses paid from organization, of company, .... 181,494 53 

Cash dividends declared from organization of company, . 25,437 28 

Dividends declared during the year, 13,734 00 

Losses incurred during the year, 119,784 09 

Company's stock owned by directors, 121,400 00 



PENNSYLVANIA FIRE INSURANCE COMPANY, PHILADELPHIA, 

PA. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

JonN Devereux, President. Secretary, Wir. G. Crowell. 

Office, No. 510 Walnut Street. 
Attorney to accept service, Geo. E. Foster, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Phila., Wil. and Baltimore "R. R. stock, . . $12,500 00 $15,500 00 

" loan, . . 10,000 00 10,400 00 

Pennsylvania R. R. loan, . . . • . . 49,000 00 49,880 00 

Phila. and Reading R. R. loan, .... 20,000 00 19,500 00 



364 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Delaware R. R. loan, 
Phila. and Erie R. R. loan, 
No. Pennsylvania R. R. loan, 
Harrisburg, Mt. Joy, etc., R. R. loan, 
Lehigh Valley R. R. loan, . 
Elmira and Williamsport R. R. loan, 
West Jersey R. R loan, 
Pennsylvania and N. Y. R. R. loan, 
United Canal and R. R. loan, . 
Southern Central R. R. loan, 
American Steamship Co. loan, . 
Lehigh Coal and Navigation Co. loan 
Schuylkill Navigation Co. loan, 
Chesapeake and Dela. Canal Co. loan 
Delaware Division Canal Co. loan, 
Phila. and Reading Coal and Iron Co. loan, 
United States loan, 5s, 
" " " 6s, 
Pennsylvania state loan, 6s, 
Philadelphia city warrants, 

" " loan, 5s, . 

" " " 6s, . 

Harrisburg city loan, 6s, . 
St. Louis city loan, 6s, 
Delaware state loan, 6s, 
Camden county loan, 6s, . 
Cincinnati city loan 6s, 
" 7s, 

it « « 7 8 o 

Pittsburg city loan, 7s, 
Newark city loan, 7s, 
134 shares Philadelphia Natl Bank, 
150 " United States Centennial stock, 
20 " Manayunk Gas Co., . 



$15,000 00 
25,000 00 
40,000 00 
20,000 00 
55,000 00 
25,000 00 
10,000 00 
24,000 00 
60,000 00 
20,000 00 
15,000 00 
49,000 00 
20,700 00 
10,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
123,216 00 
5,500 00 
50,000 00 
18,000 00 
25,000 00 
20,000 00 
15,000 00 
12,000 00 
10,000 00 
38,000 00 
60,000 00 
20,000 00 
13,400 00 
1,500 00 
1,000 00 



$15,000 00 
25,750 00 
43,200 00 
21,000 00 
59,950 00 
26,000 00 
10,900 00 
26,160 00 
62,400 00 
20,400 00 
12,600 00 
49,325 00 
14,636 00 

8,600 00 
19,600 00 
12,000 00 
22,400 00 
22,700 00 
21,400 00 
123,216 00 

5,500 00 
57,500 00 
18,360 00 
25,000 00 
21,200 00 
15,300 00 
11,760 00 
10,600 00 
41,040 00 
66,450 00 
22,600 00 
24,790 00 
750 00 

1,020 00 



$992,816 00 $1,034,387 00 



Securities held as collateral for cash loans :— 

Pennsylvania Fire Ins. Co. stock, 
American Life Ins. Co. stock, . 



Market value. Loaned thereon. 

$8,050 00 $2,500 00 

2,150 00 2,500 00 



$10,200 00 $5,000 00 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . ; $60,000 00 
Loans on mortgage of real estate (first liens),* 461,907 00 



* Total value of property mortgaged, $1,166,500 00 

Amount of insurance held as collateral, 311,267 00 



1876.1 



INS. COS. OF OTHER STATES. 



365 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross Assets, 



►,547 80 

1,034,387 00 

5*000 00 

4,555 00 

18,037 11 

12,949 70 

68,310 44 



,675,694 05 



Liabilities 
Losses adjusted, unpaid, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, .... 



Surplus over Capital, 



$36,304 15 

316,007 09 

392,229 31 

370 00 

1,000 00 

2,000 00 

• 15,000 00 



762,910 bb 

$912,783 50 

400,000 00 

$512,783 50 



Income. 

Cash received for fire premiums, . . . $592,598 63 
Deduct re-insurance, rebate and return prem's, 57,167 08 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, $250 ; perpetual 

insurance, $ 107.37, 

Deposits received for perpetual fire risk3, . $10,504 02 

Gross Cash Income, ... .... 



$335,431 55 

27,105 61 

55,319 56 

657 37 



$618,514 09 



Expenditures. 

Cash paid for fire losses, 

dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



$267,442 65 

39,630 00 

72,216 03 

65,347 92 

16,046 70 

19,466 76 



Deposits returned on perpetual fire risks, . 



$6,731 15 



Gross Cash Expenditures, ....... $180,15006 



366 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $47,795,823 00 $715,105 51 
written during 1876, . . . 45,416,935 00 592,598 63 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$93,212,758 00 $1,307,704 14 
46,888,553 00 640,384 95 



$46,324,205 00 $667,319 19 
504,222 00 8,854 94 



$45,819,983 00 $658,464 25 



Miscellaneous. 

Premiums received from organization of company, . $6,143,453 00 

Losses paid from organization of company, . . . 4,678,635 00 

Cash dividends declared from organization of company, 1,859,000 00 

Dividends declared during the year (10 per cent.), . 40,000 00 

Losses incurred during the year, 290,246 00 

Company's stock owned by directors, .... 31,100 00 



PEOPLE'S INSURANCE COMPANY, NEWARK, N. J. 

[Incorporated March 5, 1866. Commenced business October 11, 1867.] 

Paid-up Capital, $200,000. 

John M. Randall, President. Secretary, I. H. Lindsley. 

Office, No. 764 Broad Street. 

Attorney to accept service, George W. Reed, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Essex county bonds, $9,000 00 f 9,900 00 

United States 5-20 bonds, . . . . . 100,000 00 118,518 75 



$109,000 00 $128,418 75 



Securities held as collateral for cash loans :— 

Nat'l State Bank stock, 
American Trust Co. stock, 

It U It t« 

Newark and Irvington R. R. bonds, 
Merchants 1 Nat'l Bank stock, . 
American Trust Co stock, 
Newark Gas Light Co. stock, . 
Nat 1 ! State Bank stock, 







Market value. Loaned thereon. 


$3,450 00 


$2,400 00 






900 00 


800 00 






4,500 00 • 


2,000 00 






9,500 00 


5,000 00 






. ' 2,375 00 


2,000 00 






900 00^ 
375 00/ 


1,200 00 






1,534 00 


1,000 00 



$23,534 00 $14,400 00 



1876.] 



INS. COS. OF OTHER STATES. 



367 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in First Nat'l Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Office furniture, .... $2,708 55 
Gross Assets, 



5,227 73 

116,500 00 

4,720 50 

128,418 75 

14,400 00 

1,042 40 

26,127 09 

612 53 

48,916 24 

1,809 16 



1430,774 40 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due for borrowed money, .... 
Commissions and brokerage, 

Gross Liabilities, except capital and scrip, 



$9,288 83 

* 5,894 39 

2,000 00 

114,653 09 

1,050 00 

2,500 00 



Surplus as regards Policy-holders, 

Paid-up capital, . . . ' . . . . $200,000 00 
Scrip outstanding, not ordered to be redeemed, 1,979 00 



135,386 31 

$295,388 09 



201,979 00 



Surplus over Capital and Scrip, 



$93,409 09 



Income. 

Cash received for fire premiums, . . . $288,818 04 
Deduct re-insurance, rebate and return prem's, 34,807 28 

Net cash received for fire premiums, . . $254,010 76 

Interest received on bonds and mortgages, .... 8,647 76 

Interest and dividends received from all other sources, . . 7,998 48 

Income from all other sources, including rents, $6,602.79, . 7,382 90 

Gross Cash Income, $278,039 90 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$144,227 21 
4,763 13 



$139,464 08 



* Value of lands mortgaged, $175,500 00 

Value of buildings thereon, . . . . 160,100 00 

Total value of property mortgaged, $335,600 00 

Amount of insurance held as collateral, 124,950 00 



368 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid, ......... 

Interest paid scripholders, 

Cash paid for redemption of scrip, .... 

for commissions and brokerage, . 

for salaries of officers and employes, 

for state and local taxes, 

for all other items; viz., interest on borrowed 
money, . . . . . . . . . 

for office, agency and incidental expenses, . 



} 



$20,000 00 
1,359 00 

58,653 53 
17,533 24 
10,192 33 

4,200 00 
9,367 33 



Gross Cash Expenditures, $260,769 51 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$19,581,138 00 
20,740,688 00 



$10,321,826 00 
21,830,001 00 



$18,491,825 00 
335,688 00 



Premiums. 

J266,127 93' 

271,705 02 

1537,832 95 

306,718 52 

M3 1,114 43 
6,120 33 



$18,156,137 00 $224,994 10 



Miscellaneous. 
Premiums received from organization of company, . $1,518,983 39 

Losses paid from organization of company, .... 668,243 40 

Cash dividends declared from organization of company, . 141,220 00 

Dividends declared during the year (10 per cent.), . . 20,000 00 

Losses incurred during the year, 110,343 32 

Company's stock owned by directors, . . . . . 111,600 00 



PEOPLE'S FIRE INSURANCE COMPANY, TRENTON, N. J. 

[Incorporated February 25, 1861. Commenced business February 10, 1865.] 

Paid-up Capital, $300,000. 

Charles Scott, President Secretary, C. V. C. Murphy. 

Office, No. 30 Green Street. 

Attorney to accept service, Lorenzo Burge, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 



United States bonds, .... 
New Jersey state bonds, . 
Elizabeth city bonds, 
Jersey city bonds, . . . . 
Mechanics' Nat'l Bank stock, Trenton, 



Par value. Market value. 

$100,000 00 $114,250 00 

15,000 00 16,500 00 

10,000 00 10,000 00 

25,000 00 27,000 00 

7,500 00 9,750 00 



1876.] 



INS. COS. OF OTHER STATES. 



369 



United R. R. & Canal Co. stock, N. J., 
Central R. R. stock, N. J., . 
Pennsylvania R. R. stock, . 



$±0,000 00 $55,200 00 
10,000 00 3,700 00 
50,000 00 48,375 00 



$257,500 00 $284,775 00 



Securities held as collateral for cash loans : — 

Assaupink Improvement Co. stock, . 
Pennsylvania R. R. stock, .... 
First Nat'l Bank,* Trenton, stock, 



Market value. Loaned thereon. 
$14,000 00 $5,000 00 
6, 

7, 



;,482 oo \ 12 000 00 

',020 00/ 



$27,502 00 $17,000 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $264,950 00 

Interest due or accrued thereon, . . . 4,644 75 

Stock, bonds, etc., as per schedule, . . .. 284,775 00 

Loans on collateral security, as per schedule, . 17,000 00 

Cash deposited in Mechanics' Nat'l Bank,. . 20,761 35 

Interest due and accrued, 1,484 50 

Premiums in course of collection (gross), . 38,649 85 

Gross Assets, 



$632,265 45 



Liabilities 

Losses claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$13,511 96 
1,835 00 

130,135 50 
8,167 79 
1,187 10 



Income. 

Cash received fore fire premiums, . . . $198,547 43 
Deduct re-insurance, rebate and return prem's, 14,234 72 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources, . 

Gross Cash Income, . ..*.... 



154,837 35 

$177,428 10 
300,000 00 

$177,428 10 



$184,312 71 

16,405 84 

19,570 21 

721 29 

$221,010 05 



* Value of lands mortgaged, ' $265,600 00 

Value of buildings thereon, 373,100 00 

» 

Total value of property mortgaged, $638,700 00 

Amount of insurance held as collateral 197,100 00 

47 



370 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, . . - . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

office, agency and incidental expenses, 



,113 79 
5,142 53 



Gross Cash Expenditures, $170,765 84 



£91,971 26 

20,000 00 

38,475 61 

6,950 00 

3,609 80 

9,759 17 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $14,170,425 00 $214,914 61 
written during 1876, . . . 17,727,847 00 216,192 50 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$31,898,272 00 $431,107 11 
13,918,337 00 181,154 39 



$17,979,935 00 $249,952 72 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$866,082 54 

298,429 31 

83,000 00 

20,000 00 

99,167 73 

167,900 00 



PHENIX INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated September 10, 1853. Commenced business September 10, 1853.] 

Paid-up Capital, $1,000,000. 

Stephen Crowell, President Secretary, Wm. R. Crowell. 

Office, No. 12 and 14 Court Street 

Attorney to accept service, Sewall A. Faunce, Kingston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 coupon bonds, 1865, . . $34,000 00 $37,272 50 

reg'd bonds, 1865, . 48,000 00 52,620 00 

bonds, 1865, . . 145,000 00 159,862 50 

" reg'd bonds, 1867, . . 416,200 00 472,387 00 

" " " coupon bonds, 1867, . . 50,000 00 56,750 00 

" coupon bonds, 1881, . . . 25,000 00 28,500 00 

" reg'd bonds, 1881, . . . 155,000 00 176,700 00 

" 10-40 reg'd bonds, .* . . 77,000 00 87,587 50 

" currency bonds, 6s, . . . 50,000 00 61,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



371 



Tennessee state bonds, .... 

North Carolina state bonds, 

South Carolina state bonds, 

Alabama state bonds, .... 

Virginia state bonds (def 'd certificates), . 

Mississippi state certificates, 

Kings county bonds, 6s, .... 

Brooklyn city bonds, Gs, . 

Nassau Gas Light Co. certificates, Brooklyn, 

800 shares Nassau Gas Light Co., Brooklyn, 

300 " N. Y. Mut. Gas Light Co., 

People's Gas Light Co. bonds, Brooklyn, . 

" " " certificates, Brooklyn, 

590 shares People's Gas Light Co., Brooklyn, 



Brooklyn Gas Light Co., 
N. Y. Gas Light Co., 
Union Ferry Co., Brooklyn, . 
Brooklyn City R. R., 
Commercial Bank, Brooklyn, 
Merchants' Nat'l Bank, N. Y., 
Metropolitan Nat'l Bank, N. Y., 
Amer. Exch. Nat'l Bank, N. Y., 
Fourth Nat'l Bank, N. Y., . 
Nat'l Bank of the Republic, N. Y., 
Central Nat'l Bank, N. Y., . 
Nat'l Shoe and Leather B'k, N. Y. 
St. Nicholas Nat'l Bank, N. Y., 
Nat'l Bank of Commerce, N. Y., 
Mechanics' Bank, Brooklyn, . 
Mechanics' Nat'l Bank, N. Y., 
City Nat'l Bank of Brooklyn, 



340 
100 

65 
1250 

80 

20 
500 
300 
250 
100 
2C0 
100 
100 
173 
250 

40 

80 ' 
Houston and Texas R. R. bonds, 



$45,000 00 

10,000 00 

20,000 00 

10,000 00 

14,772 33 

20,000 00 

18,000 00 

15,000 00 

17,000 00 

20,000 00 

30,000 00 

47,000 00 

10,000 00 

5,900 00 

8,500 00 

10,000 00 

6,500 00 

12,500 00 

8,000 00 

,1,000 00 

50,000 00 

30,000 00 

25,000 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

17,300 00 

12,500 00 

1,000 00 

4,000 00 

3,000 00 



$19,350 00 

1,700 00 

8,000 00 

3,500 00 

1,477 23 

20,000 00 

19,080 00 

15,900 00 

17,000 00 

17,200 00 

33,600 00 

47,000 00 

10,000 00 

3,245 00 

16,150 00 

15,000 00 

9,750 00 

25,000 00 

8,000 00 

1,200 00 

64,000 00 

32,400 00 

25,000 00 

8,000 00 

20,000 00 

14,000 00 

10,500 00 

18,857 00 

23,125 00 

1,400 00 

10,000 00 

3,000 00 



$1,522,172 33 $1,655,613 73 



Securities held as collateral for cash loans : — 



20 shares Montauk Fire Ins. Co., Brooklyn, 
10 
40 
8 
10 
60 
130 
33 
50 
50 
15 



Mechanics' Fire Ins. Co., Brooklyn, 
Mechanics' Bank, Brooklyn, . 
Nat'l Shoe and Leather Bank, N. Y., 
N. Y. Economical Printing Co., 
Manhattan Fire Ins. Co., N. Y., 

Union Trust Co., N. Y 

Nat'l Shoe and Leather Bank, N. Y., 
Lamar Fire Ins. Co., N. Y., 
Fireman's Trust Ins. Co., Brooklyn, 
Market Nat'l Bank, N. Y., 



Market value. Loaned thereon. 

$1,600 00^1 

850 00 [ 

3,700 00 j 

1,200 00 J 

1,700 00 



1,175 00 



People's Gas Light Co. bonds, Brooklyn, . 



7,500 00 
18,200 00' 

4,950 00 

5,250 00. 
600 00 

1,800 00 
15,000 00 



1,000 00 
5,500 00 

22,000 00 

2,000 00 
13,150 00 



372 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



14 shares Nat'l Bank of Commerce, N. Y., 
5 " Nat'l Park Bank, N. Y., . 

40 " Long Island Bank, Brooklyn, . 
20 " Montauk Fire Ins. Co., Brooklyn, 
30 " Standard Fire Ins. Co., N. Y., . 
7 " Amer. Exch. Nat'l Bank, N. Y., 

7 " Union Ferry Co., Brooklyn, 
Kings County bonds, .... 
United States 5-20 bonds, 1867, 

" " " " 1868, 

8 shares Home Fire Ins. Co., N. Y., 

50 " Hamilton Fire Ins. Co., N. Y., . 
50 " Chicago, Bur. and Quincy R. R., 
Chicago, Bur. and Quincy R. R. bonds, 
12 shares Home Fire Ins. Co., N. Y., 

15 " Brooklyn Life Ins. Co., Brooklyn, 
1 " ** " " " 

Knickerbocker Ice Co. bonds, . 

5 shares Am. Exch. Fire Ins. Co., N. Y., 
20 " Mechanics' Nat'l Bank Assoc, N. Y. 
25 " Niagara Fire Ins. Co., N. Y., . 
People's Gas Light Co. bonds, Brooklyn, . 
100 shares American Express Co., 

40 " Williamsburg City Fire Ins. Co., 



$1,540 00 

550 00 

2,600 00 

1.600 00 

1,875 00 

756 00 

1,050 00 

5,500 00 

908 00 

227 00 

920 00 

1,275 00 

5,750 00 

2,360 00 

1,380 00 

2,100 00 

1,400 00 

2,000 00 

550 00 

950 00' 

1,325 00. 

5,000 00- 

5,600 00 

3,800 00. 



} 



|1,200 00 
500 00 

2,500 00 

1,200 00 

50 00 

700 00 

4,000 00 

1,000 00 
2,000 00 

6,000 00 

1,000 00 

1,400 00 

1,000 00 

1,000 00 

400 00 

1,800 00 



12,000 00 



$113,366 00 $87,575 00 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 

Xoans on mortgage of real estate (first liens),* 

Interest due or accrued thereon, 

Stocks, bonds, etc., as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 
deposited in various banks, 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, . 

Salvage on losses paid, $24,680.04 ; Rents due 

and accrued, $1,086.66; Re-insurance due, 

$1 ,684 ; Wrecking pumps at Detroit, $17,000, 

Gross Assets, 



$246,535 10 

299,725 00 

8,806 58 

1,655,613 73 

87,575 00 

820 79 

359,935 81 

6,925 74 

53,016 17 

29,498 30 



44,450 70 



■$2,792,902 92 



* Value of lands mortgaged, ............ $238,250 00 

Value of buildings thereon 494,750 00 

Total value of property mortgaged, $733,000 00 

Amount of insurance held as collateral, „ 333,450 00 



1876.] 



INS. COS. OF OTHER STATES. 



373 



Liabilities 

Losses adjusted, unpaid, . 

claimed and reported, 

disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rents, salaries, etc., 
Commissions and brokerage, 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$21,223 59 

105,546 25 

17,981 00 

753,343 78 

2,583 33 

5,872 27 

6 48 



$906,556 70 

M, 886,346 22 
1,000,000 00 



,346 22 



Income. 

Cash received for fire premiums, . . $1.,369,579 30 
Deduct re-insurance, rebate and return prem's, 177,758 63 

Net cash received for fire premiums, . . 

Cash received for marine and inland prem's, . $304,192 15 
Deduct re-insurance, rebate and return prem's, 70,831 90 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $29,498 30 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, $4,268.85 ; prem. 

on gold sold, $5,335.70, 



Gross Cash Income, 



$1,191,820 67 



233,360 25 



19,978 37 
112,411 41 

9,604 55 

^,567,175 25 



Expenditures. 

Cash paid for fire losses, .... 
for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$92,328 77 
25,174 08 



for office, agency and incidental expenses, 
Gross Cash Expenditures, 



$471,013 98 



67,154 69 
200,000 00 
224,889 42 
147,783 99 

25,994 15 
138,949 84 

$1,275,786 07 



374 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 
Fire risks outstanding December 31, 1875, $115,544,175 00 



written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



133,434,875 00 



1248,979,050 00 
112,926,012 00 

$136,053,038 00 
643,350 00 



Premiums. 

51,261,446 03 

1,299,195 05 

^2,560,641 08 

1,196,037 61 

) 1,364,603 47 

8,543 25 



$135,409,688 00 $1,356,060 22 



Marine risks outstanding December 31, 1875, $1,678,482 00 
written during 1876, . . 44,703,988 00 



Total, . 

Deduct risks expired and terminated, 

In force at end of year, 



$46,382,470 00 
40,941,178 00 



$12,894 89 
350,524 27 

$363,419 16 
328,797 15 



1,441,292 00 $34,622 01 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$22,247,087 31 
11,639,508 60 
. 1,664,000 00 
. 200,000 00 
. 597,696 75 
. 162,000 00 



PHILADELPHIA FIRE INSURANCE COMPANY, PHILADELPHIA, 

PA. 

[Incorporated April 8, 1876. Commenced business May 1, 1876.] 

Paid-up Capital, #200,000. 

J. T. Audenried, President. Secretary, Rob't B. Beath. 

Office, No. 313 Walnut Street. 

Attorney to accept service, Edward Stearns, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 
$50,000 00 
40,571 67 
8,000 00 
4,000 00 
2,732 39 



United States reg'd bonds, 6s, 1881, 
Philadelphia city warrants, 
No. Penna. R. R. bonds, 7s, 
Phila. and Reading R. R. bonds, 7s, 
Camden (N. J.) warrants, 



Market value. 

$57,000 00 

40,571 67 

8,720 00 

3,920 00 

2,732 39 



$105,304 06 $112,944 06 



1876.] 



INS. COS. OF OTHER STATES. 



375 



Securities held as collateral for cash loans 



40 shares Girard Nat'l Bank, 

57 ' 

25 ' 

20 ' 

37 ' 

10 ' 

5 ' 

100 ' 



B First Nat'l Bank, 

1 Girard Nat'l Bank, . 

1 Penna. R. R. Co., 

' Mononghahela Nav. Co., . 

' Wil. and Brandy wine Nat'l Bank, 
Western Nat'l Bank, 

' Delaware Market Co., 
Phila. and Reading Coal and Iron Co., 
105 shares Reliance Ins. Co., 



Market value. Loaned thereon. 

$2,600 00 $2,300 00 

7,125 00 

1,625 00 

972 50. 

1,998 00 

600 00 

425 00. 

11,000 00 

2,550 00 

5,627 50 



} 



4,600 00 
2,300 00 

2,500 00 

9,200 00 
7,500 00 



$34,523 00 $28,400 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $89,000 00 

2,185 73 

112,944 06 

28,400 00 

507 27 

19,072 37 

5,273 82 

15,038 59 



Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$6,160 94 
3,116 46 

49,237 88 
4,416 08 
1,799 52 



Income. 

Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all sources, 
Income from all other sources; viz., rents, 
Deposits rec'd for perpet'l fire risks, $4,416 08 



,476 07 
14,745 04 



$272,421 84 



64,730 88 

$207,690 96 
200,000 00 

$7,690 96 



$75,731 03 
3,251 17 
4,192 56 
1,164 98 



Gross Cash Income, . . . ..... $84,339 74 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$193,750 00 
66,400 00 



376 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Expenditures. 

Cash paid for fire losses, . . . ■ *$37,316 55 

for commissions and brokerage, .... 15,305 82 

for salaries of officers and employes, . . . 5,587 32 

for state and local taxes, 1,958 08 

for office, agency and incidental expenses, . . 6,410 97 

Gross Cash Expenditures, $66,578 74 



Fire risks outstanding May 1, 1876,* 
written during 1876, . 



Risks and Premiums. 

Premiums. 
$5,890,904 93 $53,451 29 
7,475,163 32 90,476 57 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$13,366,068 25 $143,927 86 
5,528,865 27 43,698 23 



',837,202 98 $100,229 63 
199,794 75 2,586 18 



',637,408 23 $97,643 45 



Miscellaneous. 

Premiums received from organization of company, . . $90,476 07 

Losses paid from organization of company, . . . 37,316 55 

Losses incurred during the year, 27,183 61 

Company's stock owned by directors, 97,500 00 



PHCENIX FIRE INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $1,000,000. 

H. Kellogg, President. Secretary, D. W. C. Skilton. 

Office, No. 64 Pearl Street. 
Attorney to accept service, W. H. Ellison, Boston. 



Detailed Statement of Stocks, 



1000 shares Hartford Nat'l Bank, Hartford, 
607 
700 
200 
300 
605 
192 
100 



Farm's and Mech's Nat'l B'k, HTd, 
Mercantile Nat'l Bank, Hartford, 
City Nat'l Bank, Hartford, . 
iEtna Nat'l Bank, Hartford, . 
Phoenix Nat'l Bank, Hartford, 
State Bank, Hartford, 
Conn. River Bank, Hartford, . 



Bonds, Etc. 

Par value. 

$100,000 00 
60,700 00 
70,000 00 
20,000 00 
30,000 00 
60,500 00 
19,200 00 
5,000 00 



Market value. 

$157,000 00 
78,303 00 
89,600 00 
19,000 00 
38,700 00 
97,405 00 
24,000 00 
4,850 00 



* Including amounts assumed of the New Jersey F. M. and I. Ins. Co. 



1876.] 



INS. COS. OF OTHER STATES. 



377 



1000 shares American Natl Bank, Hartford, . 
175 " Nat'l Exchange Bank, Hartford, . 
250 " Hartford Trust Co., Hartford, 
100 " Metropolitan Nat'l Bank, N. Y., . 
180 " Merchants' Ex. Nat'l Bank, N. Y., 
100 " Manuf. and Merchants' Bank, N.Y., 
190 " New Britain Nat'l B'k, New Brit'n, 
300 " Waterbury Nat'l Bank, Waterbury, 
50 " Imperial Bank, Ontario, . 
100 " National Gold Bank and Trust Co., 

San Francisco, 
100 " Fourth Nat'l Bank, Chicago, . 
200 " Holyoke Water Power Co., . 
500 " New York, N. H. and H. R. R., 
250 " Renssalaer and Saratoga R. R., 

United States bonds, 1881, 6s, . 

Atlantic Dock Co. bonds, 7s, . 

Tennessee state bonds, 6s, . 

Alabama state bonds, 8s, . 

South Carolina, old, 6s, . 

Hartford city bonds, 6s, . 

New Britain water bonds, 7s, . 

Detroit city bonds, 7s, ... 

Cincinnati city bonds, 7-^s, 

San Francisco bonds, 7s, , 

Jacksonville, 111., bonds, 8s, 

Indianapolis and Cin. R. R. bonds, 7s, 

Conn. Western R. R. bonds, 7s, . 

Conn. Valley R. R. 7s, 

Harlem River and Port Chester R. R. 7s, . 

Southern Minn. R. R. 7s, .... 
100 shares Charter Oak Nat'l Bank, 
200 " Chicago, R. I. and Pacific R. R., 

Indiana state bonds, 6s, 

Contra Costa Water Co. bonds, 8s, . 

Cambridge City (Ind.) bonds, 10s, . 



150,000 00 

8,750 00 

25,000 00 

10,000 00 

9,000 00 

2,000 00 

19,000 00 

15,000 00 

5,000 00 

10,000 00 
10,000 00 
20,000 00 
50,000 00 
25,000 00 

100,000 00 
50,000 00 
26,000 00 
50,000 00 
25,003 70 
10,000 00 
10,000 00 
50,000 00 
50,000 00 
48,500 00 
50,000 00 
69,000 00 
20,000 00 
50,000 09 
50,000 00 
50,000 00 
10,000 00 
20,000 00 

100,000 00 

25,000 00 

3,000 00 



$72,000 00 

11,637 50 

24,250 00 

12,500 00 

8,100 00 

2,000 00 

23,750 00 

24,000 00 

5,000 00 

7,500 00 

1,000 00 
35,000 00 
78,000 00 
28,250 00 
118,000 00 
52,500 00 
10,920 00 
17,500 00 

8,751 30 
10,800 00 
11,000 00 
54,000 00 
56,000 00 
50,925 00 
51,500 00 
62,100 00 

7,000 00 
40,000 00 
58,000 00 

5,000 00 

13,500 00 

20,400 00 

104,000 00 

25,000 00 

3,150 00 



$1,490,653 70 $1,621,891 80 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



Hartford, Prov. and Fishkill R. R. bonds, 
Ind. and Cincinnati R. R. bonds, 
Ind., Cin. and Lafayette R. R. bonds, 
Simsbury town (Conn.) bonds, . 
10 shares Security Co., Hartford, 
9 " Hartford Carpet Co., . 
20 " Nat'l Exch. Bank, Hartford, 
72 " Hartford Trust Co., . 
10 " N. Y., N. H. and H. R. R., . 
48 





$5,450 00 


$4,425 00 




3,600 00 


3,200 00 




900 00 


375 00 




1,000 00 


350 00 




950 00 


450 00 




2,025 00 


1,200 00 




1,330 00 


1,000 00 




6,984 00 


6,775 00 




1,560 00 


1,000 00 



378 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



50 shares N. Y. and Harlem R. R. R., 

14 " Hartford City G. L. Co., . 

15 " First Nat'l Bank, Hartford, 
37 " Willimantic Linen Co,, 

7 " Phoenix Nat'l Bank, Hartford, 

7 " iEtna Life Ins. Co., . 

10 " Nat 1 ! Park Bank, N. Y., . 



Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 

Interest due and accrued, . . ... 

Premiums in course of collection (net), . 

Rents due and accrued, .... 

Gross Assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$3,875 00 


$2,000 00 


630 00 


375.00 


1,545 00 


1,500 00 


2,500 00 


1,000 00 


1,127 00 


795 00 


2,100 00 


1,000 00 


1,030 00 


375 00 


$36,106 00 


$25,820 00 


er 31, 1876. 




. $135,311 23 




. 1,621,891 80 




25,820 00 




1,797 42 




. 457,641 70 




4,766 30 




. 159,046 28 




1,226 66 




. $2 


',407,531 39 



} 



,085 82 

21,529 00 
787,664 79 



875,279 61 



11,532,251 78 
1,000,000 00 



Surplus over Capital, 



$532,251 78 



Income. 

Cash received for fire premiums, . . $1,427,704 23 
Deduct re-insurance, rebate and return prem's, 83,218 97 

Net cash received for fire premiums, . . 1 

Interest and dividends received from all sources, . 
Income from all other sources ; viz., rents, .... 
Received for increased capital, . $400,000 00 



Gross Cash Income, 



Expenditures. 

Cash paid for fire losses, 

dividends paid, . . 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 



L ,344,485 26 

105,099 44 

4,073 32 

,453,658 02 



$637,472 87 

225,000 00 

199,237 13 

64,942 96 

39,467 77 

128,660 09 

1,294,780 82 



1876.] 



INS. COS. OF OTHER STATES. 



379 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 81, 1875, $115,826,131 00 $1,582,236 11 
written during 1876, . . . 95,952,635 00 1,344,485 26 



Total, $211,778,766 00 $2,926,721 37 

Deduct risks expired and terminated, . 104,516,209 00 1,439,456 56 



In force at end of year, 



. $107,262,557 00 $1,487,264 81 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$19,138,384 97 

11,795,833 18 

1,720,000 00 

643,304 50 

125,500 00 



PROVIDENCE WASHINGTON INSURANCE COMPANY, PROVI- 
DENCE, R. I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, #400,000. 

J. H. DeWolf, President. Secretary, W. S. Greene. 

Office, No. 20 Market Square. 

Attorney to accept service, Cyrus Brewer, Boston. 



Detailed Statement of Stocks, 

1600 shares Blackstone Canal Nat'l B'k, Prov 
300 
400 
300 
500 
200 
200 
300 
100 



Nat'l Bank of No. America, Prov 
American Nat'l Bank, Prov., . 
Commercial Nat'l Bank, Prov., 
Merchants' Nat'l Bank, Prov., 
Mechanics' Nat'l Bank, Prov., 
Weybosset Nat'l Bank, Prov., 
Nat'l Bank of Commerce, Prov., 

N. Y., 

Del. and Hudson Canal Co. 1st mort. bonds, 
Rensselaer and Saratoga R. R. mort. bonds, 
Chicago city bonds (S. B. Buckner), 
N. Y., Prov. and Boston R. R. bonds, 
N. Y. Mutual Gas Light Co. bonds, . 
United States currency bonds, 6s, 
What Cheer Corporation (real estate), Prov., 
R. I. Hospital Trust Co., participation acct., 



Bonds, Etc. 

Par value. 

$40,000 00 
15,000 00 
20,000 00 
15,000 00 
25,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 
40,000 00 
12,000 00 
45,000 00 
10,000 00 
30,000 00 
55,000 00 
30,000 00 
50,000 00 



Market value. 

$10,000 00 

19,500 00 

20,800 00 

15,000 00 

28,750 00 

13,800 00 

11,600 00 

15,000 00 

10,800 00 

40,400 00 

13,800 00 

45,000 00 

11,500 00 

32,400 00 

67,031 25 
30,000 00 

50,000 00 



$432,000 00 $465,381 25 



380 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
Securities held as collateral for cash loans : — 



50 shares Providence Tool Co., . 
Providence city notes, 



Market value. Loaned thereon. 
$3,600 00 $3,400 00 
50,000 00 50,000 00 



$53,600 00 $53,400 00 



Summary of Assets, December 31, 1876. 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, . . 
Premiums in course of collection (net), 
Notes taken for marine and inland risks, 
Gross Assets, .... 



$465,381 25 

53,400 00 

104 04 

31,263 10 

4,551 95 

19,324 28 

27,530 97 



$601,555 59 



Liabilities. 

Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



$918 97 

27,367 54 

2,900 00 

$31,186 51 
3,611 97 

$27,574 54 

132,623 73 

1,440 45 



161,638 72 

$139,916 87 
400,000 00 



,916 87 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $28,048 34 

Interest and dividends received from all sources, 
Income from all other sources ; viz., premium on gold, 

Gross Cash Income $283,087 69 



$185,768 74 
27,406 38 


$158,362 36 

92,998 17 

31,569 75 
167 41 


$106,995 49 
14,007 32 


. • » 

i gold, 



1876.] 



INS. COS. OF OTHER STATES. 



381 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



,517 40 
4,633 40 



$65,019 34 
1,775 67 



for office, agency and incidental expenses, 



Gross Cash Expenditures, $265,737 44 



$83,884 00 



63,243 67 

48,110 00 

35,653 24 

12,263 21 

7,013 14 

15,570 18 



Risks and Premiums. 
Fire risks outstanding December 31, 1875, $14,205,843 00 



written during 1876, . 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 



Net amount in force, . 

Marine risks outstanding December 
written during 1876, 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, . . 

Net amount in force, . 



17,917,406 00 

$32,123,249 00 

17,542,198 00 

$14,581,051 00 

795,937 00 



Premiums. 

> 180,204 79 

185,768 74 

>365,973 53 

172,222 99 

5193,750 54 

11,220 53 



$13,785,114 00 $182,530 01 



31, 1875, $722,778 00 
29,167,916 00 



$29,890,694 00 
28,953,681 00 

$937,013 00 
66,806 00 



$24,086 17 

121,555 97 

M 45,612 14 

106,442 23 

$39,199 91 

705 56 



|870,207 00 $38,494 35 



Miscellaneous. 

Dividends declared during the year (12 per cent.), . . $18,000 00 

Losses incurred during the year, 140,940 14 

Company's stock owned by directors 38,500 00 



382 FIRE, MAEINE, AND FIRE-MARINE [Dec. 31, 



READING FIRE INSURANCE COMPANY, READING, PA. 

[Incorporated July 8, 1867. Commenced business July 8, 1867.] 

Paid-up Capital, $200,000. 

Wm. A. Arnold, President. Secretary, S. E. Ancona. 

Office at Beading. 
Attorney to accept service, John W. Porter, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Tar value. Market value. 

United States bonds, 6s, 1 81, .... $7,000 00 $7,840 00 

" 5-20 bonds, '67, .... 5,850 00 6,610 50 

Warren and Franklin R. R. 1st mort. bonds, . 1,000 00 850 00 

Colebrookdale R. R. 1st mort. bonds, . . 3,000 00 2,250 00 

Perkiomen R. R. 1st mort. bonds, . . . 2,000 00 1,600 00 

So. Penn. Iron and R. R. 1st mort. bonds, . 2,000 00 600 00 

Susquehanna Coal Co. 1st mort. bonds, . . 5,000 00 4,000 00 

160 shares Reading Gas Co. bonds, . . . 4,000 00 6,400 00 

200 " E. Pennsylvania R. R., . . . 10,000 00 8,000 00 

Reading city bonds, 9,000 00 9,000 00 

Berks county commissioners bonds, . . . 20,000 00 20,000 00 

Bond and mortgage, - 19,900 00 

$87,050 50 



Summary of Assets, December 31, 1876. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 

deposited in various banks, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, $184.50; bills receiva- 
able, $448.55, .... 
Gross Assets, 



$35,000 00 
161,881 52 
2,001 16 
87,050 50 
2,577 40 
7,930 72 
2,047 02 
4,783 65 

633 05 



$303,905 02 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Salvage claims, . 

Net amount of unpaid losses, 



$621 50 

3,797 45 

4,207 56 

58,626 51 

900 00 

^7,726 51 



* Value of lands mortgaged, '. $150,000 00 

Value of buildings thereon, 271,400 00 



Total value of property mortgaged $421,400 00 

Amount of insurance held as collateral 190,665 00 



1876.] 



INS. COS. OF OTHER STATES. 



383 



Unearned premiums on outstanding risks, . $47,458 54 

Reclaimable on perpetual fire policies, . . 4,715 92 

Dividends to stockholders unpaid, . . . 829 95 

State and local taxes, 1,000 00 

Commissions and brokerage, .... 491 42 

Gross Liabilities, except capital, . . 

Surplus as regards Policy-holders, 

Paid-up capital, 



,372 58 
11,122 95 



Surplus over Capital, 

Income. 

Cash received for tire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, . 
Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, $3/)45.58 ; com- 
missions from other companies, $1,837.93, . 
Deposits rec'd for perpetual fire risks, $14 75 



$62,222 34 

$241,682 68 

200,000 00 

$41,682 68 



Gross Cash Income, 



,249 63 
10,647 11 
5,081 42 

4,883 51 



,861 67 



Expenditures. 

Cash paid for fire losses, $30,035 20 

dividends paid 17,889 20 



paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



13,190 00 

4,116 66 

1,962 80 

4,005 46 



Gross Cash Expenditures, $71,199 32 

Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $7,012,959 00 $84,324 03 
written during 1876, . 



Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



8,215,542 00 87,372 58 



$15,228,501 00 $171,696 61 
6,615,708 00 71,744 46 



5,612,793 00 $99,952 15 
90,067 00 1,121 12 



1,522,726 00 $98,831 03 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), . 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$434,361 12 
186,400 64 
84,898 41 
18,000 00 
26,824 37 
36,010 00 



384 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
RELIEF FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated September, 1855. Commenced business December 17, 1855.] 

Paid-up Capital, $200,000. 

J. H. Pinkney, President. Secretary, W. E. Crary. 

Office, No. 149 Broadway. 
Attorney to accept service, Geo. W. Babb, Jr., Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. 
$20,000 00 
66,000 00 
10,000 00 
10,000 00 
10,000 00 
5,000 00 
10,000 00 



United States bonds, 6s, 

" 5s, . 
5s, 1881, 
Montgomery city bonds, 8s, 
Railway city bonds, 7s, 
New Haven city bonds, 6s, 
New York county bonds, 6s, 



Market value. 

$22,340 00 

75,240 00 

11,300 00 

5,000 00 

10,300 00 

5,250 00 

10,500 00 



$131,000 00 $139,930 00 



Securities held as collateral for cash loans 



United States bonds, 6s, 
300 shares Kersey Coal Co., 

66 " Hanover Ins. Co., 

58 " Greenwich Fire Ins. Co., 

40 " United States Trust Co., 
United States bonds, 6s, 

20 shares St. Nicholas Fire Ins. Co. 
260 " Hoffman Fire Ins. Co., 

40 " People's Fire Ins. Co., 

10 " iEtna Fire Ins. Co., N. Y. 

10 " Resolute Fire Ins. Co., 
Rahway city bonds, 7s, 

61 shares Gt. Western (Marine) Ins. Co. 

20 

20 

30 

20 

80 

2 

295 

105 

130 

10 

75 

10 

10 



First Natl Bank, Paterson, 
Brewers and Maltsters 1 Ins. Co. 
Manhattan Fire Ins. Co., . 
Williamsburg City Fire Ins. Co., 
Gt. Western (Marine) Ins. Co., 
Continental Fire Ins. Co., 
People's Bank, . 
People's Fire Ins. Co., 
Broadway Fire Ins. Co., 
Germania Fire Ins. Co., 
Tradesmen's Bank, . 
JEtna Ins. Co., . 
Merchants' Nat'l Bank, 



Union Pacific S. F. bond, 



Market value. Loaned thereon. 

$1,300 00 $900 00 

1,500 00 

3,900 00 

3,675 00 
12,000 00 

5,800 00 



} 



550 00 
13,000 00 
3,200 00 
1,010 00 
800 00 
2,000 00 
2,925 00 
2,400 00 
1,800 00 
3.600 00^1 
1,850 00 I 
3,840 00 [ 
260 00 J 
11,000 00 
4,000 00 
7,000 00 
1,500 00 
3,900 00 
1,000 00 
1,200 00 \ 
1,800 00/ 



250 00 
1,600 00 

6,000 00 



5,000 00 

400 00 

6,500 00 

1,850 00 

700 00 

700 00 

1,500 00 

2,200 00 

2,000 00 

1,400 00 

5,000 00 

8,000 00 
5,000 00 

850 00 
3,500 00 

2,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



385 



10 shares Panama R. R., . 
60 " ' Irving Bank, . 
40 " First Natl Bank, Hoboken, 
Hackensack and N. Y. Ext. Co., 
37 shares Hanover Ins. Co., . 
60 " Safe Deposit Co., 



Loans on mortgage of real estate (first liens) , 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Maps, furniture, fixtures, etc., . $1,959 42 

Gross Assets, . 



Liabilities. 

Losses claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . . 



$1,250 00 
4,800 00 a 
1,200 00 I 
800 00 J 


$700 00 
3,400 00 


2,200 00 ^ 
1,800 00 / 


2,950 00 


$108,860 00 


$62,900 00 


er 31, 1876. 




. $99,750 00 

3,333 71 

. 139,930 00 

62,900 00 

528 20 




18,038 73 

5,168 00 

.. 17,925 34 




. $347,573 98 



Surplus over Capital, 



$7,000 00 
5,000 00 

49,546 00 
2,440 00 



63,986 00 

$283,587 98 
200,000 00 



,587 98 



Income. 

Cash received for fire premiums, . . . $149,036 24 
♦Deduct re-insurance, rebate and return prem's, 25,063 00 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, .... 
Interest and dividends received from all other sources, * 



|123,973 24 

6,387 50 

10,023 05 



Gross Cash Income, ........ $140,38379 

Expenditures. 

Net cash paid for fire losses, $72,966 25 

Cash dividends paid, 20,000 00 

paid for commissions and brokerage, .... 10,666 62 

for salaries of officers and employes, . . . 13,300 00 

for state and local taxes, 3,312 40 

for office, agency and incidental expenses, . . 11,217 80 



Gross Cash Expenditures, 
49 



$131,463 07 



386 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $16,833,300 00 $117,066 47 
written during 1876, . . . 19,206,047 00 149,036 24 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,039,347 00 $266,102 71 
20,453,347 00 167,692 71 



$15,586,000 00 $98,410 00 
253,300 00 2,524 94 



$15,332,700 00 $95,885 06 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$2,810,923 32 

1,651,545 29 

411,000 00 

20,000 00 

67,275 60 

43,200 00 



RESOLUTE FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated July 18, 1857. Commenced business July 20, 1857.] 

Paid-up Capital, $200,000. 

John Gihon, President. Secretary, Wm, M. Randell. 

Office, No. 151 Broadway. 
Attorney to accept service, John A. Conkey, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, '65, . . . . $179,000 00 $197,347 50 
Brooklyn city bonds, 7s, 20,000 00 21,400 00 

$199,000 00 $218,747 50 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

New York city water stock, .... $1,000 00 $500 00 

Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $12,000 00 
Interest due or accrued thereon, ... 70 00 

Stocks, bonds, etc., as per schedule, . . .-218,747 50 

* Value of lands mortgaged, $6,000 00 

Value of buildings thereon, 12,000 00 

Total value of property mortgaged, $18,000 00 

Amount of insurance held as collateral 12,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



387 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
deposited in Nat'l Park Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (net) , . 
Premiums more than 3 mos. due, . $1,277 50 
Gross Assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



$500 00 
553 03 

6,708 57 
702 27 

9,059 31 



$4,611 00 


38,715 


97 


743 


82 


1,000 


00 



$248,340 68 



Surplus over Capital, . 



45,070 79 

$203,269 89 
200,000 00 

$3,269 89 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other sources, . 

Gross Cash Income, .... 

Expenditures. 



$80,576 46 
5,266 28 


$75,310 18 

840 00 

13,107 09 


urces, . 



,257 27 



Cash paid for fire losses, 

dividends paid, 

Interest paid scripholders, 

Cash paid for redemption of scrip, . 

for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 

Gross Cash Expenditures, 

Risks and Premiums. 



} 



$44,958 42 


20,000 


00 


3 


60 


9,355 


6Q 


19,107 


50 


116 


32 


11,222 


33 


$104,763 83 



Fire risks outstanding Dec. 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

£7,877,947 79 $78,671 99 
9,613,686 03 89,003 71 



$17,491,633 82 $167,675 70 
9,626,609 99 90,466 94 



',865,023 83 $77,208 76 
167,210 83 916 15 



',697,813 00 $76,292 61 



388 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, . $2,069,580 30 
Losses paid from organization of company, .... 1,376,483 46 
Cash dividends declared from organization of company, . 273,000 00 
Dividends declared during the year (10 per cent.), . . 20,000 00 

Losses incurred during the year, 37,554 90 

Company's stock owned by directors, 68,300 00 



KICHMOND FIRE ASSOCIATION OF VIRGINIA, RICHMOND, VA. 

[Incorporated March 20, 1875. Commenced business April 1, 1875.] 

Paid-up Capital, $200,000. 

H. K. Ellyson, President. Secretary, Robt. T. Brooke. 

Office at Richmond. 
Attorney to accept service, Edward Stearns, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

United States bonds, 5s, 1881, 
Richmond city bonds, 8s, 
Virginia state consols, 
Maryland state bonds, 
Philadelphia city bonds, 
Boston city bonds, 



Securities held as collateral for cash loans : — 

20 shares Virginia F. and M. Ins. Co., 
Virginia state consols, 

67 shares O. D. Iron and Nail Works, 

99 " Union Bank of Richmond, 

25 " O. D. Insurance Co., 

50 " Metropolitan R. R., Boston, 

10 " City Bank, 
1 share State Bank of Va., 
1 " Railroad Connection Co., 
Virginia state consols, 
222 shares O. D. Insurance Co., 

20 " Commercial Ins. Co., 

70 " Nat'l Bank of Va., . 

10 " Citizens' Bank, . 
5 " O. D. Steamship Co., 
Washington and Ohio R. R. bond, 
Richmond city bonds, 6s,. . 
Manchester bonds, 

40 shares City Bank, 



Par value. 


Market value. 


150,000 00 


$56,000 00 


20,000 00 


23,200 00 


20,000 00 


13,800 00 


10,000 00 


11,200 00 


10,000 00 


11,200 00 


10,000 00 


11,400 00 


$120,000 00 $126,800 00 


Market value. Loaned thereon. 


$800 00 


$500 00 


3,764 00 


2,145 00 


5,795 00 


4,680 00 


4,950 OO^i 
1,875 00/ 


5,850 00 


3,075 00 


1,560 00 


200 00 > 
75 00 1 




780 00 


70 00 j 




690 00 J 




16,650 00 >| 




375 00 I 


20,995 00 


7,175 00 J 




200 00 


180 00 


375 00 


140 00 


500 00 


400 00 


2,462 50 


2,134 00 


1,500 00^ 
800 00 / 


1,950 00 



1876.] 



INS. COS. OF OTHER STATES. 



389 



2 shares Richmond Paper Manuf'g Co. , 

Richmond city bonds, 8s, . 

" " " 8s, . 

" " 6s, . 

100 shares Nat'l Bank of Va., . 

45 " Merchants 1 and Mechn. Ins. Co 

10 " Union Bank of Richmond, 

70 " Merchants' and Planters'* Bank 

Nashville city bonds, . 

20 shares Merchants' Nat'l Bank, 



National Bank of Va., 

Merchants' and Planters' 

National Bank of Va , 

Citizens' Bank, . 
it it 

City Fire Ins. Co., . 



5 
15 

2 

15 
25 
10 
Personal loan secured, 



Bank 



$150 00 

1,160 00 

1,160 00 

1,482 50 

10,250 00 

4,050 00 

500 00 

1,400 00 

1,400 00 

1,750 00 

512 50 

300 00 

205 00 

300 00 

500 00 

850 00 

2,340 00 



} 



$97 50 
750 00 

10,300 00 

3,510 00 
1,400 00 

1,250 00 
800 00 
400 00 
250 00 

240 00 

975 00 

780 00 



$79,641 50 $62,066 50 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens) ,* $24,626 63 

Stocks, bonds, etc., as per schedule, . . . 126,800 00 

Loans on collateral security, as per schedule, . 62,066 50 

Cash in the office of the company, . . . 3,900 95 

deposited in Nat'l Bank of Va., . . 6,644 30 

Interest due and accrued, 1,802 16 

Premiums in course of collection (gross), . 5,017 92 

Notes taken for marine and inland risks, .. . 422 91 

Office fixtures, $803 38 

Gross Assets, ...... $231,281 37 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, . 
Paid-up capital, 



Impairment of Capital, 



$2,491 75 
3,500 00 
2,000 00 

25,886 75 

550 00 

1,159 72 



35,588 22 

$195,693 15 
200,000 00 

$4,306 85 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$60,604 00 
26,700 00 



390 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums, . . . $51,658 06 
Deduct re-insurance, rebate and return prem's, 1,241 60 
Net cash received for fire premiums, 
Unpaid premium notes received during the 

year, $422 91 

Interest received on bonds and mortgages, . 
Interest and dividends received from all other sources, . 



Gross Cash Income, 



$50,416 46 



934 05 
9,203 14 

,553 65 



Expenditures, 

Cash paid for fire losses, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



Gross Cash Expenditures, 



. $28,971 


76 


9,040 52 


4,144 


33 


4,256 


75 


4,215 


31 





Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $1,491,006 33 $24,347 93 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



4,597,694 87 62,834 57 



>6,088,701 20 $87,182 50 
3,007,905 60 36,777 88 



13,080,795 60 
59,587 48 



50,404 62 
526 34 



1,021,208 12 $49,878 28 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Losses incurred during the year, .-'.... 
Company's stock owned by directors.. 



$83,699 63 
37,984 69 
32,243 83 
46,375 00 



1876.] INS. COS. OF OTHER STATES. 391 

KLDGEWOOD INSURANCE COMPANY, BROOKLYN, N. Y. 

[Incorporated March 15, 1873. Commenced business March 15, 1873.] 

Paid-up Capital, $200,000. 

William K. Lathrop, President. Secretary, William A. Scott. 

Office, No. 26 Court Street. ■ 
Attorney to accept service, Edwin B. Dow, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 bonds, 5s, . . . . $120,000 00 $136,050 00 

" bonds, 5s, 1881, .... 10,000 00 11,200 00 

200 shares Manhattan Co., .... 10,000 00 13,500 00 

200 " Long Island Bank, .... 10,000 00 12,000 00 

100 " Nat'l Bank of Commerce, N. Y., . 10,000 00 10,800 00 

100 " Amer. Exch. Nat'l Bank, . . 10,000 00 10,500 00 

. $170,000 00 $194,050 00 

Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $8,981 32 

Loans on mortgage of real estate (first liens),* 113,000 00 

Interest due or accrued thereon, . . . 2,636 66 

Stocks, bonds, etc., as per schedule, . . . 194,050 00 

Cash in the office of the company, . . . 271 39 

deposited in Nassau Nat'l Bank, . . 1,195 07 

Premiums in course of collection (gross), . 10,980 77 

Rents due and accrued, 83 33 

Prem's more than 3 mos. due, . . $481 59 

Gross Assets, $331,198 54 

Liabilities. 

Losses adjusted, unpaid, $1,650 00 

Unearned premiums on outstanding risks, . 46,428 30 

Due and accrued for rent, salaries, etc., . . 1,041 66 

Commissions and brokerage, .... 1,098 07 

Gross Liabilities, except capital, . . 50,218 03 

Surplus as regards Policy-holders, ... . . . $280,980 51 

Paid-up capital, 200,000 00 

Surplus over Capital, $80,980 51 

Income. 

Cash received for fire premiums, . . . $88,357 45 

Deduct re-insurance, rebate and return prem's, 10,169 48 

Net cash received for fire premiums, . . ■ $78,187 97 

* Value of lands mortgaged, $116,000 00 

Value of buildings thereon 123,000 00 

Total value of property mortgaged, •. . . $239,000 00 

Amount of insurance held as collateral, 112,000 00 



392 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Cash received for marine and inland prem's, . $5,127 43 
Deduct re-insurance, rebate and return prem's, 331 23 

Net cash received for marine and inl'd prem's, $4,796 20 

Interest received on bonds and mortgages, .... 7,784 59 

Interest and dividends received from all other sources, . . 9,750 70 
Income from all other sources ; viz., commissions, prem. on 

gold, etc., 2,628 65 

Gross Cash Income, . . . ..... $103,148 11 

. Expenditures. 

Cash paid for fire losses, $31,263 53 

dividends paid, 26,000 00 

paid for commissions and brokerage, .... 11,691 51 

for salaries of officers and employes, . . . 15,327 28 

for state and local taxes, 1,575 75 

for office, agency and incidental expenses, . . 10,196 26 

Gross Cash Expenditures, $96,054 33 



Risks and Premiums. 

Fire risks outstanding December 31, 1875, $12,556,880 00 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, .... 

Marine risks outstanding December 31, 1875, 
written during 1876, 



13,118,300 00 

$25,675,180 00 
12,803,325 00 

$12,871,855 00 
557,500 00 



Premiums. 
$87,592 03 
87,395 48 

$174,987 51 
88,069 33 



,918 18 
2,312 46 



$12,314,355 00 


$84,605 72 


. $12,500 00 


$622 84 


. 934,769 00 


5,127 43 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$947,269 00 
899,769 00 



$47,500 00 
16,500 00 



£5,750 22 
4,417 91 

£1,332 36 
85 55 



$31,000 00 $1,246 81 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (13 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, 



$399,473 56 

79,758 80 
68,000 00 
26,000 00 
26,645 33 
35,500 00 



1876.] 



INS. COS. OF OTHER STATES. 



393 



ROCHESTER GERMAN INSURANCE COMPANY, ROCHESTER, 

. N. Y. 

[Incorporated February 16, 1872. Commenced business February 23, 1872.] 

Paid-up Capital, $ 200,000. 

Frederick Cook, President. Secretary, Rudolph Vay. 

Office at Rochester. 
Attorney to accept service, Uberto C. Crosby, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 10-40 reg'd bonds, . ... $75,000 00 $84,000 00 

" bonds, 5s, 25,000 00 27,765 50 

N. Y. state bonds," 25,000 00 27,500 00 

Rochester city bonds, . . . . . 20,000 00 21,000 00 



$145,000 00 $160,265 50 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $114,070 00 

Interest due or accrued thereon, . . . 1,408 54 

Stocks, bonds, etc., as per schedule, . . . 160,265 50 

Cash in the office of the company, . . . 244 93 

deposited in various banks, . . . 74,891 18 

Interest due and accrued, 3,312 66 

Premiums in course of collection (gross), . 12,991 88 

Gross Assets, 



$367,184 69 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

Total amount of losses, 
Salvage claims, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, . 



$1,252 50 

2,409 00 

$3,661 50 

300 00 

$3,361 50 

106,756 67 



- 110,118 17 

. $257,066 52 
. 200,000 00 



$57,066 52 



Income. 

Cash received for fire premiums, . . . $232,568 84 

Deduct re-insurance, rebate and return prem's, 28,939 68 

Net cash received for fire premiums, . . $203,629 16 



* Total value of property mortgaged, . $435,370 00 

Amount of insurance held as collateral, 147,575 00 

50 



394 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Gross Cash Income, $226,587 30 



$1,051 00 
25 00 


$1,026 00 

7,363 83 

14,568 31 


urces, . 



Expenditures. 

Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, 
dividends paid, .... 
paid for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, . 



$118,031 17 
160 46 



for office, agency and incidental expenses, 



Gross Cash Expenditures, • . $203,90149 



$117,870 71 

1,302 81 

20,000 00 

34,138 45 

7,555 00 

5,379 37 

17,655 15 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount re-insured, . . 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, . . . . • . . 
Deduct risks expired and terminated, 

In force at end of year, 



$13,791,799 00 
20,144,485 00 



Premiums. 

$171,336 11 
232,568 84 



$33,936,284 00 
14,477,872 00 



$403,904 95 
194,535 21 



$19,458,412 00 
12,524 00 



$209,369 74 
187 51 



$19,445,888 00 $209,182 23 



$223,900 00 
98,000 00 



$321,900 00 
223,900 00 



$2,371 50 

1,051 00 

$3,422 50 

2,371 50 



$98,000 00 $1,051 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Losses incurred during the year, . . . ' . 
Company's stock owned by directors, . . . 



$712,017 41 

296,837 10 

27,000 00 

20,000 00 

115,609 22 

40,650 00 



1876.] 



INS. COS. OF OTHER STATES. 



395 



ROGER WILLIAMS INSURANCE COMPANY, PROVIDENCE, R. I. 

[Incorporated May, 1848. Commenced business August, 1848. ] 

Paid-up Capital, $200,000. 

J. W. Davenport, President. Secretary, Wm. H. Fredericks. 

Office at Providence. 
Attorney to accept service, Franklin S. Phelps, Boston. 



Detailed Statement of Stocks, 

300 shares Am. Exeh. Natl Bank, Prov., . 
600 ' 
360 
280 
300 
500 
100 
50 
100 
100 
300 
120 



Blackstone Canal Natl Bank, 
Commercial Natl Bank, . 
Manuf'ers' Natl Bank, . 
Globe Natl Bank, . 
Natl Bank of Commerce, 
Natl Bank of No. America, 
Fourth Natl Bank, . 
Atlantic Natl Bank, . 
Westminster Natl Bank, . 
Providence Gas Co., 
N. Y., Prov. and Boston R. R., 



Maine state bonds, 
Missouri state bonds. 
Providence city loan, 



Bonds, Etc. 

Par value. 

$15,000 00 

15,000 00 

18,000 00 

28,000 00 

15,000 00 

25,000 00 

. 5,000 00 

5,000 00 

5,000 00 

5,000 00 

15,000 00 

12,000 00 

10,000 00 

15,000 00 



Market value. 

$15,750 00 

15,000 00 

18,000 00 

35,280 00 

12,000 00 

25,000 00 

6,500 00 

6,000 00 

5,000 00 

5,500 00 

18,000 00 

16,800 00 

10,750 00 

15,425 00 

20,000 00 

$225,005 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $93,500 00 

Interest due or accrued thereon, . . . 1,419 22 

Stocks, bonds, etc., as per schedule, . . . 225,005 00 

Cash in the office of the company, . . . 6,351 62 

deposited in Fifth Natl Bank, . . . 2,980 49 

Interest due and accrued, 3,086 70 

Premiums in course of collection (gross), . 46,648 11 

Notes taken for marine and inland risks, . . 14,235 18 

Gross Assets, $393,226 32 



Liabilities. 

Losses adjusted, unpaid, $17,940 31 

claimed and reported, .... 18,618 15 

disputed or resisted, .... 4,500 00 

Unearned premiums on outstanding risks, . 142,040 31 



* Value of lands mortgaged, $136,000 00 

Value of buildings thereon 99,000 00 

Total value of property mortgaged, . $235,000 00 

Amount of insurance held as collateral, 46,750 00 



396 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Dividends to stockholders unpaid, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, .... 



Surplus over Capital, 



$94 00 
4,916 73 



- $188,109 50 

. $205,116 82 
. 200,000 00 



$5,116 82 



Income. 

Cash received for fire premiums, . . . $226,626 24 
Deduct re-insurance, rebate and return prem's, 17,669 23 

Net cash received for fire premiums, . . 

Cash received for marine and inPd prem's, . $92,026 03 
Deduct re-insurance, rebate and return prems, 6,435 31 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year $14,235 18 

Interest received on bonds and mortgages, . . . 
Interest and dividends received from all sources, . 
Income from all other sources ; viz., prem. on gold, $871.05 ; 

profit and loss, $99.75, 



$208,957 01 



85,590 72 



3,063 19 
15,483 61 

970 80 



Gross Cash Income, $314,065 33 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash paid for marine and inPd losses, 
Deduct salvage and re-insurance, 
Net cash paid for marine and inl'd losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



$146,407 44 
2,206 22 

$76,594 63 
3,709 76 



Gross Cash Expenditures, . . . $316,937 80 



$144,201 22 



72,884 87 
24,368 00 
43,560 98 
26,005 54. 
5,917 19 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $12,943,664 00 $217,920 56 
written during 1876, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



16,317,076 00 225,952 01 



$29,260,740 00 $443,872 57 
14,183,743 00 216,760 23 



$15,076,997 00 $227,112 34 
65,673 00 741 02 



$15,011,324 00 $226,371 32 



1876.] 



INS. COS. OF OTHER STATES. 



397 



Marine risks outstanding December 31, 1875, $689,426 00 $27,752 19 



written during 1876, 

Total, . . . . 
Deduct risks expired and terminated, 

Jn force at end of year, 

Deduct amount re-insured, . ' . 

Net amount in force, . 



22,245,556 00 92,885 14 



$22,934,982 00 $120,637 33 
22,210,218 00 93,970 63 



$724,764 00 $26,666 70 
6,600 00 180 40 



$718,164 00 $26,486 30 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 

Losses incurred during the year 

Company's stock owned by directors, .... 



$2,936,957 59 

2,057,004 05 

330,000 00 

24,000 00 

206,759 34 

88,850 00 



SAFEGUARD FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated January 6, 1872. Commenced business January 6, 1872. "| 

Paid-tjp Capital, $200,000. 

Thomas E. Doremus, President. Secretary, James Yereance. 

Office, No. 152 Broadway. 
Attorney to accept service, Henry K. Merrifield, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 



United States reg'd bonds, 6s, . 
" " 5-20 reg'd bonds, 1867, 

" " coupon bonds, 5s, 1881, 

New York city consol'd stock, 1894, 
" S. F. stock, 1885, 
" " ass't bonds, 7s, 1877, 

" " " 7s, 1878, 
" " imp't stock, 7s, 1892, 

Alabama state coupon bonds, . 
New Brunswick city (N. J.) bonds, 



Securities held as collateral for cash, loans : — 



$150,000 00 $182,625 00 
60,000 00 67,950 00 



5,000 00 

10,000 00 

10,000 00 

5,000 00 

20,000 00 

5,000 00 

9,700 00 

2,500 00 



5,594 00 

11,400 00 

11,000 00 

5,100 00 

20,800 00 

5,700 00 

3,395 00 

2,550 00 



$277,200 00 $316,114 00 



Chatham Nat'l Bank stock, 
t( tt it » 

United States bonds, 1881, . 
Westchester Gas Light Co. stock, 



Market value. Loaned thereon. 

$2,687 00 $2,000 00 

937 00 600 00 

1,232 00 1,100 00 

1,155 00 850 00 



398 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Brooklyn Gas Light Co. stock, 
La Clecle Gas Light Co. bonds, 
U. S. Life Ins. Co. stock, . 

Nat'l State Bank of Newark, 
Sacramento city and county bonds, 



$1,250 00 


$500 00 


5,000 00 


4,000 00 


14,000 00 


8,500 00 


8,642 00 


5,500 00 


1,035 00 


800 00 


1,500 00 


1,000 oa 


$37,438 00 


$24,850 00 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $31,000 00 

Stocks, bonds, etc., as per schedule, . . . 316,114 00 

Loans on collateral security, as per schedule, . 24,850 00 

Cash in the office of the company, . . . 8,084 17 

deposited in Union Trust Co., . . . 17,382 34 

Interest due and accrued, ..... 1,040 67 

Premiums in course of collection (net), . . 11,189 24 

Salvage on losses paid, ..... 2,000 00 

Gross Assets, — — — 

Liabilities, 

Losses adjusted, unpaid, . . , . . \ 

claimed and reported, . . . . > $3,817 00 

disputed or resisted, . . .• .J 

Unearned premiums on outstanding risks, . 57,292 94 

Gross Liabilities, except capital, . . - — — 61,109 94 

Surplus as regards Policy-holders, ... . . $350,550 48 
Paid-up capital, . . . . . . .... 200,000 00 



Surplus over Capital, 



$411,660 42 



$150,550 48 



Income. 

Cash received for fire premiums, 

Deduct re-insurance, rebate and return prem's, 

Net cash received for fire premiums, 

Cash received for marine and inland prem's, . 

Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, — — — 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 

Income from all other sources ; viz., rents, 



$156,631 92 
8,755 25 

$4,166 95 
41 02 



$147,876 67 



4,125 93 

2,313 64 

18,851 86 

2,184 93 

Gross Cash Income, .... .... $175,353 03 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 



$71,477 27 
2,423 18 



$69,054 09 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$69,000 00 
34,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



399 



Cash j)aid for marine and inland losses, . 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 

for state and local taxes, . 

for office, agency and incidental expenses, 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$15,924,389 00 
23,118,840 00 



$203 83 
31,000 00 
25,094 32 
18,087 45 
644 61 
14,711 00 

$158,795 30 



Premiums. 

$117,701 41 
156,714 46 



$39,043,229 00 
21,559,378 00 



$274,415 87 
163,629 25 



$17,483,851 00 
.160,023 00 



$110,786 62 
943 93 



7,323,828 00 


$109,842 69 


$122,875 00 


$3,785 23 


131,000 00 


4,166 95 



$253,875 00 
146,625 00 

$107,250 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 

Losses incurred during the year, 

Company's stock owned by directors, .... 



$7,952 18 
4,283 32 

1,668 86 



$694,816 43 
247,229 29 
86,000 00 
31,000 00 
64,821 32 
89,700 00 



SECURITY INSURANCE COMPANY, NEW HAVEN, CONN. 

[Incorporated May, 1841. Commenced business May, 1841.] 

Paid-up Capital, $200,000. 

Charles Peterson, President. Secretary, Herbert Mason. 

Office at New Haven. 
Attorney to accept service, Geo. W. Reed, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States reg'd bonds, 5s, '81, . . . $80,000 00 $89,700 00 
" coupon bonds, '65, . . . 500 00 551 25 

" coupon bonds, '67, . . . 4,500 00 5,096 25 



400 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 



N. Y., N. H. and H. R. R. stock, 
Shore Line R. R. stock, 
Morris and Essex R. R. stock, . 
L. S. and Mich. Southern R. R. stock, 
Michigan Central R. R. stock, . 
American Exch. Nat'l Bank stock, N. Y., 
Republic Nat'l Bank stock, N. Y., 
Commerce Nat'l Bank stock, N. Y., . 
Second Nat'l Bank stock, New Haven, 
Merchants' Nat'l Bank stock, New Haven 
New Haven County Nat'l Bank stock, 

(( tc sc 

Yale Nat'l Bank stock, New Haven, . 
New Haven Water Co. 1st mort. bonds, 
W. Wisconsin R. R. 1st mort. bonds, 
Chicago and Alton R. R. income bonds, 
N. H. and Northampton R. R. conv. bonds, 
P. P. and Jacksonville R. R. 1st mort. bonds, 



20,000 00 

6,100 00 

18,000 00 

10,000 00 

5,000 00 

10,000 00 

3,750 00 

10,000 00 

11,200 00 

6,800 00 

6,000 00 

7,900 00 

10,000 00 

12,500 00 

3,000 00 

16,500 00 

15,000 00 

6,000 00 



$30,000 00 

6,710 00 

16,380 00 

5,600 00 

2,325 00 

10,500 00 

3,656 25 

10,800 00 

15,680 00 

7,208 00 

8,400 00 

11,060 00 

10,000 00 

12,750 00 

1,650 00 

17,490 00 

13,200 00 

5,400 00 



8262,750 00 $284,156 75 



Summary of Assets, December 31, 1876. 

Loans on mortgage of real estate (first liens),* $15,600 00 

Interest due or accrued thereon, . . . 114 91 

Stocks, bonds, etc., as per schedule, . . . 284,156 75 

Cash in the office of the company, . . . 1,512 47 

deposited in various banks, . . . 37,069 81 

Interest due and accrued, 917 19 

Premiums in course of collection (gross), . 29,149 00 

Notes taken for marine and inland risks, . . 12,538 58 

Salvage on losses paid, 3,000 00 

Gross Assets, $384,058 71 



Liabilities. 

Losses adjusted, unpaid, . 
claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 



$13,355 49 

7,187 50 

8,154 89 

$28,697 88 

1,541 19 

$27,156 69 

102,695 97 



* Value of lands mortgaged, $24,500 00 

Value of buildings thereon, 12,000 00 

Total value of property mortgaged, • . . t . $36,500 00 

Amount of insurance held as collateral, . . . . . . ' . . . 12,000 00 



1876.] 



INS. COS. OF OTHER STATES. 



401 



Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, . ... 



$3,412 57 



Surplus over Capital, '. 

Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's, 
Net cash received for fire premiums, 
Cash received for marine and inland prem's, . 
Deduct re-insurance, rebate and return prem's, 

Net cash received for marine and inl'd prem's, 

Unpaid premium notes received during the 

year, $12,538 58 

Interest received on bonds and mortgages, 

Interest and dividends received from all other sources, . 



|160,616 79 
13,851 86 

$103,762 66 
3,739 28 



$133,265 23 

$250,793 48 
200,000 00 

$50,793 48 



$146,764 93 
100,023 38 



1,375 10 
15,282 64 

Gross Cash Income, $263,446 05 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 



,333 37 
4,538 55 



$75,930 07 
1,087 55 



Gross Cash Expenditures, .... 
Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1875, 
written during 1876, 

Total, . . . . * . 
Deduct risks expired and terminated, 

In force at end of year, 
51 



$13,870,601 00 

14,775,489 00 

$28,646,090 00 

14,951,810 00 

$13,694,280 00 

934,780 00 



$75,794 82 



74,842 52 
22,000 00 
32,869 88 
21,280 47 
1,219 00 

$228,006 69 

Premiums. 

$124,974 05 
164,242 08 



$289,216 13 
136,683 85 

$152,532 28 
9,253 11 



$12,759,500 00 $143,279 17 

$893,720 00 $26,284 77 
2,257,950 00 102,302 68 



H,151,670 00 
3,180,870 00 



$128,587 45 
97,528 06 



$970,800 00 $31,059 39 



402 FIKE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (11 per cent.), 
Losses incurred during the year, ..... 
Company's stock owned by directors, .... 



51,731,549 44 

1,159,566 08 

230,281 00 

22,000 00 

160,794 01 

45,350 00 



STANDARD FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated March 26, 1859. Commenced business March 29, 1859.] 

Paid-up Capital, $200,000. 

William Cripps, President. Secretary, William M. St. John. 

Office, No. 11 7 Broadway. 
Attorney to accept service, B. B. Whittemore, Boston. 

Detailed Statement op Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 reg'd bonds, . . . . $110,000 00 $121,000 00 

" 10-40 " " . 95,000 00 107,350 00 

District of Columbia bonds, 3.65s, . . . 165,000 00 117,150 00 



$370,000 00 $345,500 00 



Securities held as collateral for cash loans : — 



1000 shares People's Gas Light Co., . 
101 " Mechanics' Bank, . 
50 " Mechanics' Fire Ins. Co., 
25 " Lamar Ins. Co., 
25 " Star Fire Ins. Co., . 



Market value. Loaned thereon. 

15,000 00 $2,500 00 
7,575 00^ 
3,750 00/ 

2,500 00 2,000 00 
2,750 00 2,000 00 



9,000 00 



$21,575 00 $15,500 00 



Summary of Assets, December 31, 1876. 
Loans on mortgage of real estate (first liens),* $50,500 00 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in the Union Trust Co. bank, 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross Assets, 



469 56 

345,500 00 

15,500 00 

833 79 

8,409 41 

90 40 

5,829 16 

f$427,132 32 



Value of lands mortgaged, . . . . ' . . $51,000 00 

Value of buildings thereon 50,500 00 

Total value of property mortgaged, $101,500 00 

Amount of insurance held as collateral, 50,500 00 

| Including $78,000 special reserve fund, held under New York law. 



1876.] 



INS. COS. OF OTHER STATES. 



403 



Liabilities 

Losses adjusted, unpaid, 

claimed and reported, , 
disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, .... 
Commissions and brokerage, 
Return premiums, .... 
Gross Liabilities, except capital, 

Surplus, as regards Policy-holders, 
Paid-up capital, . 



Surplus over Capital, 



|731 24 

1,541 80 

500 00 

55,126 84 

218 59 

57 80 

559 67 

146 38 



,882 32 

. $368,250 00 
. 200,000 00 



$168,250 00 



Income. 

Cash received for fire premiums, . . . $115,669 84 
Deduct re-insurance, rebate and return prem's, 10,097 94 

Net cash received for fire premiums, . . — — - $105,571 90 

Interest received on bonds and mortgages, .... 3,774 96 
Interest and dividends received from all other sources, . 16,278 86 



Gross Cash Income, . . . . .... $125,625 72 



Expenditures. 

Cash paid for fire losses, 

dividends paid, ....... 

for commissions and brokerage, 
for salaries of officers and employes, 
for state and local taxes, .... 

for office, agency and incidental expenses, 



Gross Cash Expenditures, 



$27,261 03 
23,100 00 
14,087 50 
20,882 96 
2,534 98 
17,025 22 

$104,891 69 



Fire risks outstanding December 31, 1875 
written during 1876, . 



Risks and Premiums. 

Premiums. 

$14,242,781 28 $117,279 14 
16,724,883 41 110,901 27 



Total, ....... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . ... 



$30,967,664 69 $228,180 41 
16,981,903 92 120,826 80 



$13,985,760 77 $107,353 61 
422,650 00 1,985 75 



$13,563,110 77 $105,367 86 



Miscellaneous. 
Premiums received from organization of company, . $1,969,210 46 
Losses paid from organization of company, . . . . 1,161,361 14 



404 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Cash dividends declared from organization of company, . $376,550 00 

Dividends declared during the year, 23,100 00 

Losses incurred during the year, . . .... 21,889 58 

Company's stock owned by directors, . . . , '. 62,600 00 



STANDARD FIRE INSURANCE COMPANY, TRENTON, N. J. 

[Incorporated February 22, 1868. Commenced business February 22, 1869.] 

Paid-tjp Capital, $200,000. 

William Dolton, President. Secretary, Joseph B. Weight. 

Office at Trenton. 
Attorney to accept service, John C. Paige, Boston. 



Detailed Statement of Stocks, 



United States currency bonds, 6s, 
" 5-20 bonds, 1867, . 
« " " " 1868, . 

Albany and Susquehanna R. R. bonds, 
United R. R. and Canal Co. (N. J.) stock 
Central Pacific R. R. bonds, 
37 shares First Nat'l Bank, . . 
144 " Trenton Bank, . 
100 " Merchants' National Bank, 
N. Y. and Erie first mortgage bond, . 



Bonds, Etc. 

Par value. 

$6,000 00 

500 00 

2,500 00 

1,000 00 

15,000 00 
5,000 00 
3,700 00 
7,200 00 
5,000 00. 
6,000 00 



Market value. 

17,305 00 

581 25 

2,943 75 

1,122 50 

20,625 00 

5,462 50 

5,087 50 

7,200 00 

6,800 00 

6,600 00 



$51,900 00 $63,727 50 



Securities held as collateral for cash loans :■ 



Linden Park Land Assoc, stock, 
Seventh Ward Land Assoc, stock, 
First Nat'l Bank stock, Trenton, 
Trenton Bank stock, . 
First Nat'l Bank stock, Trenton, 



Market value. Loaned thereon. 



$1,040 00 
2,250 00 
6,325 00 
2,500 00 
6,875 00 



$500 00 

2,000 00 

2,500 00 

1,500 00 

4,000 00 



$18,990 00 $10,500 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . . $200 00 

Loans on mortgage of real estate (first liens),* 186,354 00 
Interest due or accrued thereon, . . . 5,341 29 

* Value of lands mortgaged, $202,550 00 

Value of buildings thereon, 237,500 00 

Total value of property mortgaged, $440,050 00 

Amount of insurance held as collateral, 126,65000 



1876.] 



INS. COS. OF OTHER STATES. 



405 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Salvage on losses paid, .... 
Gross Assets 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



Surplus over Capital, 



Income. 
Cash received for fire premiums, 
Deduct re-insurance, rebate and return prem's 
Net cash received for fire premiums, 
Interest received on bonds and mortgages, 
Interest and dividends received from all other 



$63,727 50 

10,500 00 

6,709 66 

2,961 35 

1,603 81 

45,374 02 

130 00 

2,000 00 



$21,268 46 
89,154 67 
11,817 78 



$155,963 40 
13,752 38 



sources, . 



Gross Cash Income, 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 
for office, agency and incidental expenses, 



19,387 23 
2,316 60 



Gross Cash Expenditures, $181,184 78 



$324,901 63 



122,240 91 



202,660 72 
200,000 00 

$2,660 72 



$142,211 02 

12,555 78 

5,964 57 

,731 37 



[17,040 63 

16,000 00 

28,509 90 

5,409 00 

714 14 

13,511 11 



Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $9,196,888 18 $157,838 50 
written during 1876, . 



11,336,875 92 172,821 96 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 

Net amount in force, . 



$20,533,764 10 $330,660 46 
9,917,433 76 153,576 12 



$10,616,330 34 $177,084 34 
97,415 50 1,679 47 



,518,914 84 $175,404 87 



406 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent), . 
Losses incurred during the year, ; 

Company's stock owned by directors, .... 



$421,156 90 

213,688 99 

37,000 00 

16,000 00 

128,336 59 

115,600 00 



STAR FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated December 1, 1864. Commenced business December 2, 1864.] 

Paid-up Capital, $ 200,000. 

Nicholas C. Miller, President. Secretary, James M. Hodges, 

Office, No. 161 Broadway. 
Attorney to accept service, I. J. Brown, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States 5-20 bonds, 1865, . . . $115,000 00 $126,500 00 

" reg'd bonds, 1867, . . 10,000 00 11,600 00 



$125,000 00 $138,100 00 



Securities held as collateral for cash loans 

75 shares Citizens' Bank, . 

5 " Park Fire Ins. Co., 
10 " Produce Bank, . 
] " Bergen County Bank, 
10 " Dry Goods Bank, 
50 " North River Bank, ; 

6 " Park Fire Ins. Co., . 
12 " Shoe and Leather Bank, . 
40 " Manufacturers' Bank, Brooklyn 

5 " Guaranty Fire Ins. Co., 
30 " Manufacturers and Merchants' Bank 
20 " Citizens' Fire Ins. Co., 
Citizens' Fire Ins. Co. scrip, 
10 shares Imp. and Traders' Ins. Co., 
25 " Firemen's Fund Ins. Co., . 
50 " American Fire Ins. Co., 

5 " Am. U. Express Co., . 
10 " Empire City Ins. Co., 
25 " German American Bank, . 
United States 5-20 bonds, . 

30 shares Brewers and Maltsters' Ins. Co., 
5 " Resolute Fire Ins. Co., 



Market value. Loaned thereon. 



^2,437 00 'j 
760 00 ! 



900 00 [ 
1,000 00 J 
1,000 00 
2,000 00 
912 00 
1,800 00 
1,200 00^ 
425 00/ 
1,500 00^ 
740 00 
200 00 
580 00 * 
225 00 
3,775 00 J 
450 00^ 
1,200 00 j 
2,000 00 \ 
5,500 00 j 
2,700 00 J 
450 00 



\ $4,100 00 



800 00 
2,500 00 

1,500 00 
1,400 00 



6,500 00 



9,500 00 



400 00 



1876.] 



INS. COS. OF OTHER STATES. 



407 



50 shares Christopher and 10th St. R. R. 

25 " 23d Street R. R., 
131 " North River Bank, . 

28 " Imp. and Traders' Ins. Co., 

60 " Bank of Metropolis, 
Staten Island R. R. bonds, 
Richmond county bonds, . 
Hoboken county bonds, 
10 shares Gebhard Fire Ins. Co., 
United States 5-20 bonds, 1864, . 

25 shares City Bank, Plainfield, 

10 " Amer. Fire Ins. Co., . 

20 " Rutgers Fire Ins. Co., 

10 " Manufacturers and Merchants' B'nk 
300 " Grocers' Bank, . 

10 " Brewers and Maltsters' Ins. Co 
Chicago and N.-western R. R. bonds, 
Third Avenue R. R. bonds, 
20 shares L. I. Fire Ins. Co., 
45 " German American Bank, . 
20 " Union Nat'l Bank, Rahway, 
66 " Central R. R., N. J., . 
75 " New Jersey R. R. and T. Co, 
14 " K Y. and N. H. R. R., 
Central R. R., N. J., bonds, 
United States 5-20 bonds, . 



Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens),* 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . . *» 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 

deposited in bank, ..... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Gross Assets, 



$4,000 00 ^ 
2,500 00 / 


$3,000 00 


5,240 00^ 
1,624 00 ; 


5,000 00 


6,000 00 


5,000 00 


3,000 00 >| 




500 00 | 


3,800 00 


900 00 J 




1,000 00 ) 
348 00 J 


. 1,200 00 


2,500 00 


2,250 00 


757 00^ 




975 00 


► 2,000 00 


500 00 J 




12,000 00 


8,000 00 


900 00 


800 00 


5,520 00 


4,500 00 


1,000 oo j 00000 

1,850 00/ 


3,600 00 > 




2,000 00 




2,310 00 


> 18,900 00 


10,400 00 




2,100 00 




2,400 00> 




3,850 00 


3,500 00 


$109,528 00 


$86,650 00 


i 31, 1876. 




$16,000 00 




131,600 00 




2,110 50 




138,100 00 




86,650 00 




10,056 11 




43,057 93 




2,589 14 




20,549 34 






$450,713 02 



Liabilities. 

Losses adjusted, unpaid, $4,786 76 

claimed and reported, . . . . 240 00 

disputed or resisted, .... 3,500 00 

* Value of lands mortgaged $163,000 00 

Value of buildings thereon 165,500 00 

Total value of property mortgaged, $328,500 00 

Amount of insurance held as collateral 121,500 00 



408 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, 
Return premiums, ..... 
Gross Liabilities, except capital, 

Surplus as regards Policy-holders, 
Paid-up capital, 



,192 97 

833 33 

3,083 52 

78 00 



2,714 58 

$357,998 44 
200,000 00 



Surplus over Capital, . . . ..... $157,998 44 

Income. 

Cash received for fire premiums, . . . $158,424 08 
Deduct re-insurance, rebate and return prem's, 13,697 38 

Net cash received for fire premiums, . . 

Interest received on bonds and mortgages, 



Interest and dividends received from all other sources, . 
Income from all other sources ; viz., rents, $93 ; prem. on 
gold, $88.88, 



$144,726 70 

10,073 78 

14,383 28 

181 88 



Gross Cash Income, $169,365 64 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ....... 

paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, .... 

for office, agency and incidental expenses, 



,825 41 
1,225 11 



Gross Cash Expenditures, $138,469 47 



$47,600 30 
30,000 00 

6,705 23 
20,543 71 

3,737 12 
29,883 11 



Risks and Premiums. 



Fire risks outstanding December 31, 1875, 
written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$17,816,526 00 
22,489,643 00 



$40,306,169 00 
21,427,645 00 



$18,878,524 00 
555,338 00 



Premiums. 

$173,789 16 
164,771 70 

$338,560 86 
176,494 22 

$162,066 64 
4,360 74 



$18,323,186 00 $157,705 90 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 

Losses incurred during the year, 

Company's stock owned by directors, .... 



.,829,995 66 

978,171 89 

209,791 77 

30,000 00 

39,384 77 

' 99,300 00 



1876.] 



INS. COS. OF OTHER STATES. 



409 



ST. JOSEPH FIRE AND MARINE INSURANCE COMPANY, ST. 

JOSEPH, MO. 

[Incorporated December 27, 1867. Commenced business January 1, 1868.] 

Paid-up Capital, $220,000. 

Abbott P. Goff, President. Secretary, James H. Rice. 

Office at St. Joseph. 
Attorney to accept service, Henry N. Baker, Boston. 



Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Missouri state bonds, 6s. . . . . $10,000 00 $10,400 00 

Doniphan county bonds (Kan.), . . . 56,500 00 39,550 00 

Hanover township bonds (Kan.), . . . 20,000 00 12,500 00 

Troy district school bonds (Kan.), . . . 3,500 00 3,500 00 

Brown county bonds (Kan.), .... 35,500 00 26,625 00 

Falls city school bonds (Neb.),. . . .* 20,000 00 18,000 00 

Buchanan county court house warrants (Mo.), 15,000 00 13,500 00 

" bonds, 10s, .... 4,500 00 3,660 00 

St. Joseph bridge bonds, 7,000 00 7,000 00 

Gas Light bonds, .... 600 00 600 00 

R. R. bonds, 28,200 00 22,310 00 

" improvement bonds, . . . 9,650 00 6,272 50 

Buchanan Bank (St. Jos.) stock, . . . 750 00 750 00 



$211,200 00 $164,667 50 



Securities held as collateral for cash loans : — 



Marshall county (Kan.) bonds, 7s, . 
St. Joseph city (Kan.) bonds, 6s, 
64 shares Pacific Hotel (St. Jos.) 
Fairbury precinct (Jeff, co., Neb.) bonds, 
St. Joseph Building Co. stock, . 
Calhoun Savings Bank (St. Jos.) stock, 
Farmers' Bank (Andrew co., Mo.) stock, 
5 shares Calhoun Savings Bank (St. Jos 
50 " Merchants' Ins. Co. (St. Jos.), 
Marshall county (Kan.) bonds, 10s, 
United States gov. bonds, . 
60 shares Merchants' Ins. Co., . 
10 " Pacific Hotel (St. Jos.), 
Doniphan county (Kan.) bonds, 7s, 
10 shares Calhoun Savings Bank (St. Jos 
St. Joseph Bridge Co. bonds, 10s, 



52 



), 



), 



Market value. Loaned thereon. 



} 



$1,800 00 $1,538 50 



5,760 00 


5,000 00 


7,650 00 


6,000 00 


1,000 00 


75 00 


600 00 


500 00 



9,250 00 5,000 00 



1,000 00 


850 00 


4,845 00 


3,000 00 


900 00 


717 50 


2,450 00 


850 00 


6,000 00 


5,000 00 


$41,255 00 


$28,531 00 



410 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Summary of Assets, December 31, 1876. 

Cash value of unencumbered real estate, . . $12,833 41 

Loans on mortgage of real estate (first liens),* 126,428 76 

Stocks, bonds, etc., as per schedule, . . . 164,667 50 

Loans on collateral security, as per schedule, . 28,531 00 

Cash deposited in various banks, . . . 43,569 52 

Interest due and accrued, 11,734 34 

Premiums in course of collection (gross), . 32,480 63 
Stockholders' notes, . . . $180,000 00 

Gross Assets, ...... - — • $420,245 16 

Liabilities. 

Losses claimed and reported, .... $7,696 89 

Unearned premiums on outstanding risks, . 78,363 06 
Dividends to stockholders unpaid, . . . 504 50 

Commissions and brokerage, .... 6,900 58 

Gross Liabilities, except capital, . . 93,465 03 



Surplus as regards Policy-holders, $326,780 13 

Paid-up capital, 220,000 00 

Surplus over Capital, ........ $106,780 13 

Income. 

Cash received for fire premiums, . . . $206,267 93 
Deduct re-insurance, rebate and return prerrfs, 41,284 36 

Net cash received for fire premiums, . . — — — - $164,983 57 

Interest and dividends received from all sources, . . . 33,412 64 
Income from all other sources ; viz., rents, $680.69 ; com- 
missions, $1,194.39, 1,875 08 



Gross Cash Income, ........ $200,271 29 

Expenditures. 

Cash paid for fire losses, ..... $89,554 63 
Deduct salvage and re-insurance, , . . 13,787 89 

Net cash paid for fire losses, .... — $75,766 74 

Cash dividends paid, ......... 23,000 00 

paid for commissions and brokerage, .... 30,433 17 

for salaries of officers and employes, . . . 8,914 26 

for state and local taxes, 11,846 42 

for office, agency and incidental expenses, . . 6,312 24 



Gross Cash Expenditures, . $156,272 83 

* Total value of property mortgaged, ......... $334,000 00 

Amount of insurance held as collateral 98,200 00 



1876.] 



INS. COS. OF OTHER STATES. 



411 



' Risks and Premiums. 

Premiums. 

Fire risks outstanding December 31, 1875, $10,762,474 00 $171,911 15 



written during 1876, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . 



12,360,422 00 206,267 93 



$23,122,896 00 $378,179 08 
12,662,239 00 215,143 28 



$10,460,657 00 $163,035 80 
540,325 00 7,567 03 



►,920,332 00 $155,468 77 



Miscellaneous. 

Premiums received from organization of company, . $1,171,177 55 

Losses paid from organization of company, . . . 554,911 16 

Cash dividends declared from organization of company, 106,000 00 

Dividends declared during the year, 23,000 00 

Losses incurred during the year, . . .... 66,454 79 

Company's stock owned by directors, .... 54,350 00 



ST. LOUIS INSURANCE COMPANY, ST. LOUIS, MO. 

[Incorporated January, 1837. Commenced business April, 1837.] 

Paid-up Capital, $240,000. 

J. B. S. Lemoine, President. Secretary, J. D. Houseman. 

Office at St. Louis. 
Attorney to accept service, Geo. O. Carpenter, Boston. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

Missouri state bonds, 6s, $300,000 00 $315,000 00 

100 shares St. Louis Chamber of Commerce, '. 10,000 00 1,000 00 



$310,000 00 $316,000 00 



Summary of Assets, December 31, 1876. 
Cash value of unencumbered real estate, . 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 

deposited in bank, .... 
Premiums in course of collection (gross) , 

Re-insurance due, 

Salvage claims on losses paid, . $50,000 00 
Gross Assets, ..... 



$1,678 59 




. 316,000 00 




164 01 




6,478 3