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Full text of "Twenty Seventh Massachusetts Fire"

State Library 



OF 



MASSACHUSETTS. 



B. 



Return as Soon as Used 



8frl vot.| , 



/ w 



PUBLIC DOCUMENT. No. 9. 



TWENTY-SEVENTH ANNUAL EEPOET 



OF THE 



INSUKANCE COMIISSIONEE 



OF THE 



Commottkall! of Hassat|ttsetts. 



JANUARY 1, 1882. 



PART I. 

FIRE AND MARINE INSURANCE. 



BOSTON: 

Eanb, &fcerg, & Co., printers to tjje C0mtnonu3ealtfj, 

117 Franklin Street. 
1882. 



lie* Y\i 

B ' 



TABLE OF CONTENTS. 



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



COMMISSIONER'S REPORT. 

PAGE 

Introductory . v 

Companies authorized in Massachusetts vii 

Companies admitted viii 

Companies withdrawn ix 

Insurance Experience of 1881 x-xv 

Massachusetts Mutual Fire Insurance Companies .... xiii 

Comparative Table A xiii 

Massachusetts Mutual Marine and Fire-Marine Insurance Com- 
panies xiii 

Comparative Table B xiii 

Massachusetts Joint-Stock Insurance Companies .... xiv 

Comparative Table C xiv 

Insurance Companies of other States xiv 

Comparative Table D xiv 

United States Branches of Foreign Insurance Companies . . xv 

Comparative Table E xv 

Massachusetts Business xv 

Comparative Table F xv 

Comparative Ratios xv 

Mutual Companies and their Deposit Notes xvi 

The Protection of Insurance Contracts xvi 

Taxation of Insurance Companies xviii- 

Recklessness, Impairment, and Failure ► xx i 

Fires in Massachusetts in 1881 xxii 

Massachusetts Companies voluntarily closing Business . . xxv 

Insurance Receiverships xxvi 

Statistical Tabulations . xxix 

Massachusetts Mutual Fire Insurance Companies .... xxx 

Table I. — Risks, assets, liabilities, and surplus .... xxx 
Table II. — Gross cash income and expenditures, premiums, 

losses, and expenses xxxii 



iv TABLE OF CONTENTS. 

PAGE 

Massachusetts Mutual Marine and Fire-Marine Insurance 

Companies xxxiv 

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

surplus xxxiv 

Table IV. — Gross cash income and expenditures, premiums, 

losses, and expenses xxxiv 

Massachusetts Joint-Stock Insurance Companies .... xxxv 

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

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

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

dividends xxxvii 

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 . xlii 
Table X. — Gross cash income and expenditures, expenses, and 

dividends xlvi 

Table XI. — United States Brancbes, showing deposits, etc. . 1 

Table XII. — United States Branches, business of 1881 ... lii 

Massachusetts Business in Detail. — Table XIII liv 

Statistics of Fires in Massachusetts lix 

Table XIV. — Property, Fires, Insurance, Loss, etc. ... lix 

Table XV. — Fires classified by Months lxiv 

Table XVI. — Causes of Fires lxviii 

Table XVII. — Summary lxxii 

Table XVIII. — Receipts and Expenditures of the Insurance De- 
partment lxxiii 

DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies 1 

Massachusetts Mutual Fire Companies with Guarantee Capital . . 67 

Massachusetts Mutual Marine and Fire-Marine Companies ... 75 

Massachusetts Joint-Stock Fire, Marine, and Fire-Marine Companies . 85 

Fire, Marine, and Fire-Marine Insurance Companies of other States . 137 

United States Branches of Foreign Companies 359 

Foreign Fire Companies — Summary of Home Statements . . . 400 
List of Agents of Insurance Companies of other States and Foreign 

Countries, with Amount of Business done and Tax paid by each . 403 

Appendix 511 



(tfommomDMltf) of Jtta00acf)U0eit0. 



Insurance Department, 

Boston, Jan. 1, 1882. 

To the Honorable the Senate and House of Representatives. 

As required by statute, the Insurance Commissioner pre- 
sents herewith Part I. of the Twenty-seventh Annual Report 
of this Department. Its pages contain a full exhibit of the 
business transactions and financial condition of the Fire, 
Marine, and Fire-Marine Insurance Companies authorized 
in Massachusetts in 1881, and still writing risks therein, as 
shown by their annual statements. In connection therewith 
will be found such other information as may possess interest 
and importance. 

Respectfully submitted. 



JULIUS L. CLARKE, 

Insurance Commissioner. 



TWENTY-SEVENTH ANNUAL EEPORT 



OF THE 



INSURANCE COMMISSIONER. 



PART I. 

FIRE AND MARINE INSURANCE. 



The annual statements of one hundred and ninety-six 
Fire, Marine, and Fire-Marine Insurance Companies, author- 
ized in Massachusetts at the close of 1881, are summarized 
in the following pages. Admissions and withdrawals pend- 
ing the preparation and printing of this Report leave the 
present number of such Companies one hundred and ninety- 
eight, — a net increase of two since the last Report to the 
Legislature. 

It may also be stated in this connection, that, within the 
last five years, forty-eight Companies writing the same class 
of risks have been admitted to transact business in Massa- 
chusetts, while seventy-two have withdrawn from the field, 
either by voluntary act, or under judicial procedure. As the 
net result, Home Companies have been reduced in number 
from eighty-five to seventy-two ; those from other States, from 
one hundred and seventeen to ninety-seven ; while Companies 
from foreign countries have increased from fifteen to twenty- 
nine, the present number, three or four others having in the 
mean time re-insured their American risks and retired from 
the field. 

Various matters appertaining to the insurance history of 
the State, some of them affecting Home Companies whose 
past record warrants the anticipation of a long and success- 



Ylll 



REPORT OF THE 



ful future, may be appropriately cited herewith. Among 
these is the change of title, under legislative sanction, by 
two Companies ; the Massachusetts Mutual taking the name 
of the Massachusetts Mutual Fire Insurance Company, and 
the Mercantile Marine taking the name of the Mercantile 
Fire and Marine Insurance Company, — changes rendered 
necessary for the convenience of themselves and their 
patrons. Two other Companies have inaugurated important 
modifications in their business plans, their experience having 
fully demonstrated the propriety and equity of such action. 
These are the Fitchburg Mutual of Fitchburg and the 
Traders' and Mechanics' of Lowell, the former having 
abolished its classification of risks, and transferred all to its 
mutual department ; and the latter having decided to close 
up its stock department, and transact only the business of a 
purely Mutual Company, — a plan which will secure to itself 
and to its policy-holders a much more satisfactory and suc- 
cessful administration. 

Companies admitted and withdrawn. 

Since the last Report, ten Companies writing fire risks 
have been admitted to the State ; while, of the thirteen with- 
drawn, eleven were transacting a fire and two a marine busi- 
ness. The following is the record : — 

Admitted. 



NAME OF COMPANY. 


Location. 


Date. 


Mechanics' Fire 


Brooklyn, N.Y. 


May 


3, 1881. 


Long Island .... 


Brooklyn, N.Y. 


May 


20, 1881. 


New York Fire .... 


New York, N.Y. . 


Sept. 


15, 1881. 


Standard Fire .... 


London, Eng. . 


Dec. 


2, 1881. 


Greenwich .... 


New York, N.Y. . 


Dec. 


10, 1881. 


City of London Fire . 


London, Eng. . 


Feb. 


8, 1882. 


United States Fire 


New York, N.Y. . 


Mar. 


22, 18S2. 


London and Provincial Fire 


London, Eng. . 


April 


4, 1882. 


German Fire .... 


Pittsburg, Penn. 


May 


10, 1SS2. 


United Firemen's 


Philadelphia, Penn. 


May 


10, 18S2. 



INSURANCE COMMISSIONER. 



IX 



Withdrawn. 



STAKE OF COMPANY. 


Location. 


Date. 


Atlantic Fire and Marine . 


Provincetown . 


May 3, 1881. 


New York City .... 


New York, N.Y. . 


Oct. 1 


1881. 


Beverly (Marine and Inland) . 


Beverly . 


Oct. 27, 


1881. 


Hoffman Fire .... 


New York, N.Y. . 


Nov. 11 


1881. 


Northern . 


. 


Watertown, N.Y. . 


Dec. 19 


1881. 


Park Fire . 


. 


New York, N.Y. . 


Dec. 20 


1881. 


Knickerbocker Fire 


. 


New York, N.Y. . 


Dec. 21 


1881. 


Republic Fire . 


. 


New York, N.Y. . 


Dec. 31 


1881. 


United Firemen's 


. 


Philadelphia, Penn. 


Dec. 31 


, 1881. 


Lamar 


• 


New York, N.Y. . 


Jan. 18 


, 1882. 


Commonwealth . 


. 


Boston . 


Feb. 11 


1882. 


Firemen's . 


. 


Baltimore, Md. 


Mar. 16 


1882. 


Hamburg- Magdeburg 


Hamburg, Ger. 


May 1 


1882. 



The thirteen retiring Companies withdrew $5,330,313 of 
cash assets, including 83,158,000 of paid-up cash capital. The 
ten Companies admitted brought to the business $4,433,108 
of cash assets, including $2,200,000 of paid-up cash capital. 
Of these, seven were American Companies, holding $3,546,779 
of the assets, including $1,600,000 of the capital ; the three 
Foreign Companies representing $886,329 of the assets, in- 
cluding $600,000 of the capital, the latter being cash deposits 
in this country for the security of all their American policy- 
holders. 

The net result shows a withdrawal of $897,205 of cash 
capital and assets, with a reduction of surplus as regards 
policy-holders from $3,557,565 to $2,638,795, of which latter 
$1,950,539 is held by the seven American, and $688,256 by 
the three newly admitted Foreign, Companies. 

Of the retiring Companies, seven re-insured their risks. 
Three of them were Home Companies, — the Commonwealth 
of Boston, re-insuring in the Commercial Union of London ; 
the Beverly, in the Shoe and Leather of Boston ; and the 
Atlantic Fire and Marine of Provincetown, in the Equitable 
Marine of the same place. The other four were, the Hoffman 

b 



x REPORT OF THE 

of New York, which re-insured in the Niagara of the same 
city ; the Lamar of New York, in the Phenix of Brooklyn ; 
the New York City of New York, and the United Firemen's 
of Philadelphia, both in the Standard of London, the Fire- 
men's re-insuring only its New England risks ; and the Ham- 
burg-Magdeburg, in the Fire Association of London. 

The United Firemen's, enumerated among the withdrawals, 
has applied for re-admission to the State since these pages 
were prepared for the press, and has been re-instated in the 
Massachusetts field. 

The annual statement of the United States Lloyds was 
received too late for publication in its proper place. It shows 
the following aggregates : gross assets, $642,851.06 ; liabilities, 
$195,594.44 ; surplus as regards policy-holders, $447,256.62. 

Insurance Experience of 1881. 

The comparative compilations hereto annexed, Tables A 
to F inclusive, are again introduced as a desirable and com- 
prehensive exhibit of the financial experience and condition 
of Companies authorized to write fire and marine risks in 
this State in 1881. Subsequent tabulations, I. to XIII. , with 
the detailed statements which follow, present an elaborate 
review of the year's results. 

As a whole, the business of the year has been far from 
profitable or encouraging. The almost constant succession 
of disastrous conflagrations, with competitive and extensive 
cutting of rates below a living standard, and other causes 
injuriously affecting its prosperity, have interposed serious 
discouragements. Of course, as in every year, there are 
some Companies whose good fortune renders them noticeable 
exceptions in the summing up of results; yet even their 
future experience may bring unexpected reverses. 

The entire business of the Companies whose statements 
appear in the present Report shows the following aggregates : 
risks written during the year, 89,493,680,502, nearly eight 
hundred millions over 1880; outstanding at the close of the 
year, $8,247,181,405; admitted assets, $174,599,124, about 
twelve millions in excess of 1880; liabilities, 859,042,247; 
leaving a net surplus of $115,556,877, an increase of nearly 
seven millions over the previous year. The gross income of 
all the Companies amounted to $81,893,385, and their gross 



INSURANCE COMMISSIONER. xi 

expenditures to $76,057,255. Their premium receipts were 
$74,141,821, upwards of six millions over 1880, in which 
year there was an increase of more than seven millions in 
excess of 1879 ; losses paid, $43,597,783, an increase of 
$4,636,434 over 1880; working expenses, $23,617,799, also 
an increase of nearly two and a half millions. The losses 
and expenses paid in 1881 aggregate upwards of seven mil- 
lions more than in 1880, leaving the balance of premium 
receipts $6,926,239, or a small fraction over nine per cent, 
which is a considerable reduction from the previous year. 

Of this whole business exhibit, Massachusetts Companies 
show risks written, $903,136,540, an increase of more than 
forty-three millions ; risks outstanding, $907,111,877 ; ad- 
mitted assets, $22,669,509, an increase of nearly one million 
liabilities, $7,282,545, leaving a net surplus of $15,386,964 
gross income, $9,328,327 ; gross expenditures, $8,851,527 
premium receipts, $9,301,960; losses paid, $5,440,109; work- 
ing expenses, $2,119,688 ; balance of premium receipts after 
payment of losses and expenses, a fraction over eight per 
cent. It is noticeable that the ratio of marine and inland 
losses to premium receipts, on that class of risks written by 
Home Companies, shows an increase from 53.86 in 1880 to 
76.94 in 1881. 

Following the same analysis, it appears that Companies 
from other States report risks written amounting to $4,543,- 
380,175, an increase of nearly four hundred millions; risks 
outstanding, $5,035,424,882; admitted assets, $126,466,331, 
an increase of nearly eight millions ; liabilities, $37,939,634 ; 
leaving a net surplus of $88,526,697 ; gross income, $52,029,- 
765; gross expenditures, $49,238,444; premium receipts, 
$46,353,236; losses paid, $26,719,245; working expenses, 
$15,327,954 ; balance of premium receipts after payment of 
losses and expenses, a mere fraction over nine per cent. 

The home statements of Foreign Companies are omitted 
from this, as they were from the last Report, a brief sum- 
mary of their principal results being substituted. As here- 
tofore explained, they have no particular interest or value in 
this country, although the law requiring them still remains 
unnecessarily upon the statute book. Twenty-eight of these 
Companies are represented in this Report through the state- 
ments of their United States Branches. Two others have 



xii REPORT OF THE 

been admitted since the commencement of the year ; but, of 
the first named, only twenty-seven are recognized in the 
financial exhibit submitted herewith. The exception is the 
British and Foreign Marine Insurance Company of Liver- 
pool, whose incorrect and incomplete statement (see p. 362) 
is unavailable for any practical use, although ample time was 
given for its rendition. The failure, however, should awaken' 
no distrust of the Company's ability or integrity. A full 
statement of its American business will hereafter be promptly 
required, should the Company remain in Massachusetts. 

The other twenty-seven Foreign Companies report Ameri- 
can risks written, $2,703,122,078, an increase of more than 
four hundred and twenty-three millions over 1880 ; risks out- 
standing, $2,304,644,646 ; admitted assets available for the 
protection of all their policy-holders in the United States, 
$25,463,284, including deposits of $7,487,120 in State depart- 
ments, but not including special deposits of $5,525,144, which 
some of them have made in five or six States requiring such 
security for the exclusive protection of their own citizens. 
They also report gross income for the year, $20,535,293 ; gross 
expenditures, $17,967,284; premium receipts, 819,473,485, 
each item upwards of three millions in* excess of 1880 ; losses 
paid, $11,786,921, an increase of more than two and a half 
millions; working expenses, $6,170,157; balance of premium 
receipts after payment of losses and expenses, nearly nine 
and a quarter per cent, and larger than in either of the other 
two classifications. 

The purely Massachusetts business for 1881, as transacted 
by all the Companies, and classified as in the preceding cases, 
will be found in similar detail in connection with the subject 
of " Taxation of Insurance Companies," on a subsequent 
page. 

The following are the comparative compilations before 
referred to : — 



INSURANCE COMMISSIONER. 



xm 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1880.* 


1881.t 


Increase or De- 
crease in 1881. 


Assets .... 


$6,104,823 


$6,539,902 


+$435,079 


Liabilities 


2,790,250 


2,646,516 


—143,734 


Surplus .... 


3,308,491 


3,883,233 


+ 574,742 


Income .... 


2,278,950 


2,418,387 


+ 139,437 


Expenditures . 


2,148,687 


2,025,959 


—122,728 


Risks written . 


190,642,359 


210,263,771 


+ 19,621,412 


Net premiums received 


1,955,077 


2,086,740 


+ 131,663 


Risks outstanding . 


400,700,033 


421,935,439 


+ 21,235,406 


Losses paid 


586,180 


707,105 


+ 120,925 


Losses incurred • 


671,602 


489,605 


—181,997 


Assessments collected 


3,971 


6,302 


+ 2,331 


Profits returned 


1,162,221 


914,306 


—247,915 


Expenses .... 


376,694 


378,937 


+ 2,243 



* Forty-seven companies. t Forty-eight companies. 

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



1880.* 



1881.1 



Increase or De- 
crease In 1881. 



Cash guarantee fund 

Subscription notes . 

Assets 

Liabilities 

Surplus . 

Income 

Expenditures . 

Risks written . 

Net premiums received 

Risks outstanding . 

Losses paid 

Losses incurred 

Expenses . 

Scrip dividends declared 

Scrip redeemed 

Scrip outstanding . 



$766,800 
209,600 
2,590,488 
555,208 
388,978 
828,726 
995,501 

52,796,449 
730,986 

32,988,848 
497,267 
500,183 
142,318 
84,460 
217,771 
879,501 



$650,800 

93,600 

2,365,953 

516,730 

319,811 

854,753 

887,725 

74,105,713 

• 761,982 

28,516,542 

607,828 

644,437 

166,432 

90,565 

878,612 



—$116,000 

—116,000 

—224,535 

—38,478 

—69,167 

+ 26,027 

—107,776 

+ 21,309,264 

+ 30,996 

—4,472,306 

+ 110,561 

+ 144,254 

+ 24,114 

+ 6,105 

—217,771 

—889 



* Four companies. 



t Three companies. 



XIV 



REPORT OF THE 



Comparative Table C. — Massachusetts Joint-Stock Insurance 

Companies. 





1880.* 


1881.t 


Increase or De- 
crease in 1881. 


Cash capital 


$6,450,000 


$6,950,000 


+ $500,000 


Assets .... 


13,009,661 


13,763,654 


+ 753,993 


Liabilities 


3,433,569 


4,119,299 


+ 685,730 


Surplus . . . 


9,576,092 


9,644,355 


+ 68,263 


Income .... 


5,112,201 


6,055,187 


+ 942,986 


Expenditures . 


4,676,419 


5,937,843 


+ 1,261,424 


Risks written . 


504,457,325 


618,767,056 


+ 114,309,731 


Net premiums received . 


4,548,515 


5,466,378 


+ 917,863 


Risks outstanding . 


404,766,430 


456,659,896 


+ 51,893,466 


Losses paid 


2,833,994 


3,776,684 


+ 942,690 


Losses incurred 


2,865,768 


4,524,196 


+ 1,658,428 


Expenses .... 


1,304,126 


1,574,319 


+ 270,193 


Cash dividends declared . 


528,000 


581,000 


+ 53,000 



* Twenty-one companies. 



f Twenty companies. 



Comparative Table D. — Fire and Marine Insurance Companies 

of other States. 



1880.* 



1881.t 



Increase or De- 
crease in 1881. 



Cash capital 

Assets 

Liabilities 

Income 

Expenditures 

Fire risks written 

Net premiums received 

Marine risks written 

Net premiums received 

Fire losses paid 

Marine or inland losses paid, 

Dividends paid 

Expenses . 



$40,894,100 

118,511,302 

36,081,980 

50,151,664 

47,251,890 

4,151,117,354 

33,581,852 

1,528,716,310 

10,921,675 

18,132,204 

7,770,364 

5,067,847 

14,375,088 



$44,914,100 

126,466,331 

37,939,634 

52,029,765 

49,238,444 

4,543,380,175 

37,054,911 

1,344,041,709 

9,298,325 

20,373,062 

6,346,183 

5,219,303 

15,327,954 



+$4,020,000 

+7,955,029 

+ 1,857,654 

+ 1,878,101 

+ 1,986,554 

+ 392,262,821 

+ 3,473,059 

—184.674,601 

—1,623,350 

+ 2,240,858 

—1,424,181 

+ 151,456 

+ 952,866 



* Ninety-eight companies. 



t Ninety-four companies. 



INSURANCE COMMISSIONER. 



xv 



Comparative Table E. — United States Branches of Foreign 

Companies. 





1880.* 


1881.t 


Increase or 
Decrease in 1881. 


Assets in United States . 


$22,562,740 


$25,463,284 


+$2,900,544 


Liabilities in United States, 


11,147,121 


13,820,068 


+ 2,672,947 


Income .... 


17,096,010 


20,535,293 


+ 3,439,283 


Expenditures . 


14,195,142 


17,967,284 


+ 3,772,142 


Risks written . 


2,279,734,584 


2,703,122,078 


+ 423,387,494 


Net premiums received 


16,159,452 


19,473,485 


+ 3,314,033 


Losses paid 


9,141,340 


11,786,921 


+ 2,645,581 


Expenses .... 


5,054,802 


6,170,157 


+ 1,115,355 



* Twenty-four companies. t Twenty-eight companies. 

Comparative Table F. — Massachusetts Business.* 





1880. 


1881. 


Increase or 
Decrease in 1881. 


Fire risks written 


$609,132,542 


$642,542,633 


+$33,410,091 


Fire premiums received . 


5,479,752 


5,845,354 


+ 365,602 


Fire losses paid 


3,422,143 


2,819,847 


—602,296 


Fire losses incurred . 


3,055,273 


2,884,047 


—171,226 


Marine risks written 


261,004,485 


271,022,104 


+ 10,017,619 


Marine premiums received, 


3,345,321 


3,456,606 


+ 111,285 


Marine losses paid . 


1,823,641 


2,620,262 


+ 796,621 


Marine losses incurred 


1,801,722 


2,660,422 


+ 858,700 



* For details of this business see Table XIII. 



Comparative Ratios of Table F. 



1880. 



1881. 



Percentage" 

of Increase 

or Decrease 

in 1881. 



Fire premiums received to risks written (pre- 
mium rate) 

Fire losses incurred to risks written . 

Fire losses incurred to premiums received 

Marine premiums received to risks written 
(premium rate) .... 

Marine losses incurred to risks written 

Marine losses incurred to premiums received 



.90 

.50 

55.75 

1.28 

.69 

53.86 



.91 
.45 

49.34 

1.28 

.98 
76.94 



+ 1.1 
—10. 
—11.49 



+ 29.59 
+ 42.86 



xvi REPORT OF THE 

Mutual Companies and their Deposit Notes. 

Under the present law of the State, Mutual Fire Insurance 
Companies may take deposit notes for not less than three 
nor more than ten times the amount of the cash premium 
charged, some Companies taking three, some five, and a few 
ten times the amount. 

Although deposit notes cannot, under the statute provision, 
be included in the admitted assets of a Company, yet they 
constitute an important and vital element of financial re- 
source and strength, especially in contingencies from which 
no Insurance Company is exempt. Being assessable for their 
full amount if necessary, in such sums and at such times as 
the exigencies of the business may require, the mutual pro- 
tection of the members is fullv assured. 

In their relation to the possible requirements of a Com- 
pany, deposit notes bear some semblance to the subscribed 
capital of many Foreign Companies. The amount of the 
former, as already stated, may be realized in cases of financial 
necessity ; while for the payment of the latter the share- 
holders are liable, if need be, for all they are worth, and 
those able to pay may even be compelled to pay for those 
unable to do so. 

At the close of 1881 the Massachusetts Mutual Fire Com- 
panies held six and a half millions of admitted assets, while 
their deposit notes aggregated more than twelve and a half 
millions, the amount held by each Company appearing in 
Table I. of this Report. It will be seen, therefore, that, in 
addition to their cash assets, they had a productive resource 
of nearly double that amount on which to rely, if required 
by sudden or unexpected emergencies, thus practically giving 
them an available monetary basis of nineteen millions. A 
productive element so strong should command its share of 
prestige and favor. 

The Protection of Insurance Contracts. 

There is a wide difference between the methods existing 
in foreign countries and in the United States for the fulfil- 
ment of insurance contracts. In the former, the whole 
matter seems apparently optional with the Companies, which 
set apart, from time to time, such funds as they may deem 



INSURANCE COMMISSIONER. xvii 

necessary as a reserve for the protection of outstanding risks. 
But, in the latter, it is regulated by statutory provisions, 
which, as at present framed, enforce no standard possessing 
a shadow of equity or equality. 

Every experienced and conservative underwriter must 
admit that a proper and adequate re-insurance reserve is as 
necessar}?- in fire and marine as in life or casualty insurance. 
That such reserve should be fairly and equitably computed, 
and legally required, is also equally important. But even 
the fool who runs must know that the present standard, as 
established by law, is practically a farce, inasmuch as Com- 
panies may, and do, evade and defeat its well and wisely 
intended purpose, by fixing with impunity their own reserve 
liability under its operation. 

Thus a speculative and reckless Company, impelled by the 
pressure and strife of competition to write hazardous and 
even extra hazardous risks, as has been the case in some of 
the most exposed districts in Boston and in other cities of 
the Commonwealth, during the last year, at the ridiculous 
and ruinous rate of twenty-five cents, is enabled to appear, 
on paper, as solvent and comparatively strong ; while, if re- 
quired under proper legislation to hold a safe and sufficient 
reserve, the same Company would show impairment or abso- 
lute insolvency. It is needless, however, to waste time or 
words in pursuing the analysis. 

The subject has been for some years under consideration, 
both among insurance officials as well as among conservative 
and thoughtful underwriters, though certainly not, on the 
part of the former, with any desire or intention to urge arbi- 
trary requirement or restriction, but rather to suggest some 
action looking to a more equitable and truthful exhibit in the 
interest of policy-holders and of wisely managed Companies." 
It is no new revelation that under the present system a Com- 
pany may be absolutely and hopelessly insolvent, and yet 
rank favorably with those whose conservatism and financial 
strength deservedly command confidence and patronage. So 
it appears that a re-insurance reserve, or liability, charged to 
the former at fifty per cent of its unearned premiums on out- 
standing risks written at twenty-five to forty cents, a bank- 
rupt rate, is a glaring absurdity when compared with a 
reserve charged to the latter at fifty per cent of its unearned 



xviii REPORT OF THE 

premiums on risks written at living rates necessarily more 
than double the reckless figure first cited. 

It was for these reasons that the last annual conference of 
State insurance officials invited such co-operation as represen- 
tative underwriters might be disposed to render in securing 
a more consistent and equitable system, and thus relieve the 
present discrimination against reasonable and paying rates. 
A few of the most experienced underwriters in the country 
have tendered their services in this behalf; but, without a 
more general co-operation, the remedy will probably be 
reached only through legislative inquiry and action. 

Taxation of Insurance Companies. 

The statutes regulating the taxation of Insurance Compa- 
nies in many of the States, imposing as they do an almost 
annually increasing ratio, have very naturally become a cause 
of growing dissatisfaction and complaint among underwriters 
subject to their application. Nor have they escaped unfavor- 
able criticism in other circles claiming to judge intelligently 
of their practical effect upon public interest and prosperity. 

Without entering into the discussion here, it may be stated, 
briefly, that in Massachusetts some of the chief grounds of 
complaint, on the part of Home Joint-Stock Companies and 
those having guarantee capital, have been, — 

First, That existing statutes discriminate unjustly against 
them, thereby discouraging the investment of capital in their 
business, and imposing unequal burdens which retard their 
progress, and even jeopardize their existence. 

Second, That taxation based upon the so-called market 
value of their own stock is inequitable and oppressive, 
inasmuch as such value is often largely exaggerated by 
the assumption of factors not applied to any other class 
of taxpayers. 

Third, That while Home Companies are taxed on the 
market value of their investments, including even govern- 
ment bonds as part of their assets, Foreign Companies have 
not only been granted special immunities in their own juris- 
dictions, but have been comparatively exempt from taxation 
here, the only levy upon them having been heretofore a small 
per cent of premium receipts ; and that, therefore, the latter 
have been able to write risks much below any average stand- 
ard with which the former can compete. 



INSURANCE COMMISSIONER. xix 

In the case of the Home Mutuals the principal and per- 
haps only cause of complaint has been, and is, the alleged 
over-taxation of premium receipts. Hence the plea for such 
modification of the present statute as will impose a tax only 
upon net instead of gross premium receipts. In asking such 
relief the fact is urged that these Companies return to their 
policy-holders a large percentage of the premium rate, and 
therefore should not be taxed on the amount so returned. 
The truth is that most of them do return to their policy- 
holders from about ten to eighty per cent of the premiums 
paid, while at least one of the most successful has been able 
for some years to return one hundred per cent, or the entire 
premiums paid. On the other hand, it is claimed that the 
Companies realize an average rate of interest on gross pre- 
miums received, until dividends or returns to policy-holders 
are declared. 

These and similar considerations have been urged by home 
underwriters as notably at variance with the policy of other 
jurisdictions in fostering their own Insurance Companies, and 
encouraging the investment of capital in their stock. What- 
ever differences of opinion may be entertained by the advo- 
cates and opponents of the present system, facts of significant 
import may be cited as tending more or less forcibly to an 
intelligent solution of the problem involved. 

For instance, the total risks written by authorized Com- 
panies on Massachusetts property in 1881 aggregated nearly 
one thousand millions of dollars, with premium receipts 
amounting to almost nine and a half millions. This was 
Massachusetts business alone. Of this large volume the 
Home Companies, including the Mutuals, wrote $365,118,- 
287, on which their premium receipts were $1,444,534. 
Companies from other States wrote $378,215,524, with pre- 
mium receipts amounting to $3,351,645. The remainder, 
$170,230,926, was written by Companies from other coun- 
tries, which realized $1,505,781 in premium receipts. 

This entire business was written at an average premium 
rate of one and two hundredths per cent. But it should 
be remembered that the aggregate includes that written by 
the Home Mutuals without taking into consideration the 
large return premiums, or dividends, declared to their policy- 
holders, as above stated. If the amount so returned were 



xx REPORT OF THE 

deducted from their reported premium receipts, both their 
own and the general average rate would be materially re- 
duced. 

Still another condition appears in the experience of the 
Home Joint-Stock Companies and those having guarantee 
capital, which wrote, in 1881, on Massachusetts property, 
$203,897,218, about twenty-two per cent of the whole home 
business, their premium receipts amounting to $2,478,174. 
In a comparison of the premium rate on this volume of busi- 
ness with that shown by Companies of other States and 
countries, it would neither be fair nor truthful to allege that 
Massachusetts Companies charge higher rates than others on 
the same class of risks, excepting of course those which reck- 
lessly write hazardous and extra-hazardous risks at half and 
even quarter rates. The reason of any appreciable difference 
in average rates is chiefly due to the character of the risks 
written by Home Companies, a considerable portion of which, 
both in their fire, marine, and inland business, involve con- 
ditions essentially different from those appertaining to the 
mass of risks written by their outside competitors. 

The differing conditions referred to are more apparent in 
the varying classes of marine risks, and in the relatively 
larger volume of long term fire risks written by Home Com- 
panies. This will explain the difference between their aver- 
age premium rates in 1881, and those of Companies from 
other States and countries, the former showing in their Mas- 
sachusetts fire business alone an average of .97, and the latter 
an average of .87. 

But, aside from these analyses, the fact still remains that 
Companies from other States and countries wrote nearly two- 
thirds of all risks placed on Massachusetts property in 1881, 
and at average rates heavily reduced from those of former 
years. With this fact before them, it can hardly be wondered 
at that home underwriters should keenly realize the dis- 
advantages of their position. 

In the matter of alleged discrimination, unequal taxation, 
etc., of which complaint is made, it is proper to state that 
the particular class of Companies most affected thereby hold 
a cash and guarantee capital of nearly eight millions, and 
that the taxes now paid average about two and a half per 
cent on that amount, the range being from two to upwards 



INSURANCE COMMISSIONER. xxi 

of four per cent. With present interest rates, which have 
little promise of advancement, the margin of profit on a 
Company's investments is not particularly encouraging. 
When it is considered, also, that in every year the losses 
of many Companies nearly equal and often exceed their 
premium income, and that the aggregate losses — as in the 
case of Massachusetts Companies in 1881 — are frequently 
in excess of the aggregate premium income, it becomes 
apparent that such excess, as well as dividends to stock- 
holders, must have been paid, not from profits of the busi- 
ness, but from surplus accumulated largely from appreciation 
of investments. 

But, whatever may be said of the equity or inequity of the 
present system of taxation, no one can for a moment believe 
that the increased tax on premium receipts proposed to 
be henceforth required from Foreign Companies will in any 
manner lessen the burden complained of by Home Compa- 
nies, whose petition for some measure of relief has been dis- 
missed by the present Legislature. Whether the increased 
tax referred to will tend to equalize competition, as some 
have claimed in advance, or even have any perceptible in- 
fluence in that direction, is a problem to be solved by future 
experience. 

Recklessness, Impairment, and Failure. 

The results of reckless competition in the struggle for 
business has often brought disaster, which would never have 
occurred had even ordinary prudence prevailed. In no de- 
partment of enterprise is such precaution more necessary and 
vital than in the business of underwriting. No year, or 
period of years, is without its examples of impairment or 
failure largely" attributable to recklessness in the acceptance 
and writing of risks. The history of the last decade abounds 
with illustrations of this character. 

Following the disastrous experiences in Chicago and Bos- 
ton ten years ago, there came a needed and healthful reform 
in some branches of underwriting. The business grew rap- 
idly prosperous, with paying and profitable rates, warranting 
and realizing reasonable and even generous dividends. Un- 
der these tempting conditions, many new Companies organ- 
ized and entered the field with great promise of success and 



xxii REPORT OF THE 

growth; many old Companies which had survived the 
ordeals of 1871 and 1872, though more or less financially 
crippled, were speedily enabled to recover and even to exceed 
their previous prestige and strength ; while others secured 
also a liberal share of accruing benefits. 

But this harvest season was doomed to a comparatively 
brief existence. The strife for business and its attendant 
cutting of rates without regard to discrimination or safety, 
which soon followed, are now developing their unfortunate 
results. Under the pressure of almost unprecedented com- 
petition, many Companies which had profited by previous 
and more favorable auspices, and made handsome returns to 
their stock and policy holders, are now compelled to put up 
with small dividends, or pass them entirely. Many others 
are merely holding their own in anticipation of better pros- 
pects ; while the exceptions are mostly those in which good 
management has been supplemented by special good luck. 
Among the consequences of this unfortunate re-action, it is 
noticeable that nearly every Massachusetts Company which 
was induced to enter the field during the brief era of pros- 
perity referred to has been forced to close its doors ; while 
many incorporated elsewhere have been compelled to retire 
from the business. Should present conditions be prolonged, 
still others must sooner or later succumb to the inevitable. 

Fires in Massachusetts in 1881. 

It was a wise enactment of the Legislature of 1878 requir- 
ing boards of selectmen of towns and mayor and aldermen 
of cities to make annual report of the statistics of fires in 
their respective municipalities. It was judicious, because 
intended for the accumulation of data looking to a more 
intelligent comprehension of the necessities atid hazards to 
be provided against, and therefore directly in the interest of 
property owners, as well as of cities and towns themselves. 
It was thought, and rightly too, that a few years' experience 
would develop results of special value in solving important 
problems involving the better protection of the insured and 
the insurer. 

In order to carry into effect the purpose of the statute, as 
therein directed, the necessary blanks have been prepared 
and forwarded early in each year, with information and sug- 



INSURANCE COMMISSIONER. xxiii 

gestions designed to aid and simplify the required service. 
But in many instances of chronic delinquency no attention 
is given to the matter by the boards or their clerks, and the 
blanks are mislaid, thrown away, or lost, often rendering it 
necessary to duplicate them two or three times over, with 
renewed correspondence and instructions. Until the present 
year, however, every city and town in the Commonwealth, 
including those specially urged, has responded to the re- 
quirement of the Legislature ; the only exception being that 
of Brockton, which, during the last year, suffered serious 
losses from conflagration. Courteous and repeated appeals 
have been made to the proper authorities for the information 
required, but without response. It is respectfully suggested 
that the difficulty may be easily remedied by some proper 
legislative modification of sect. 10, chap. 35 of the Public 
Statutes. 

Although the statistical results thus far gathered have not 
been so complete as could be desired, owing, in numerous 
cases, to lack of care and system in the collation and preser- 
vation of municipal records, especially where no organized 
fire departments exist, yet the information already commu- 
nicated to the Legislature, and accumulating from year to 
year, promises a valuable basis for a more practical and 
equitable classification of risks and premium rates. 

The fire record of the State for 1881 is largely a verifica- 
tion of the experiences of the previous year. Ninety-seven 
towns report no fires, seven less than in 1880. In the re- 
maining municipalities (Brockton excepted) there were 1,694 
fires, 28 less than in 1880. The whole amount of insurance 
written on the property burned and exposed was nearly 
eleven and a half millions ; estimated losses, $4, 312,642 ; 
amount reimbursed, $3,059,424, — nearly seventy-one per 
cent, and varying but a fraction from the percentage of 1880. 

Of the whole number of losses, 511 were total, and 1,183 
partial. . Nearly forty per cent of all the fires, or 675, are 
reported as incendiary and unknown ; those caused by de- 
fective chimneys and heating apparatus, 243 ; exposure to 
other burning buildings or premises, 191 ; careless use and 
exposure of matches, 126, — of which 9 were caused by 
rats, and 82 by children at play ; sparks from chimneys, 
stoves, furnaces, and locomotives, 83 ; use of kerosene and 



xxiv REPORT OF THE 

volatile oils, 82 ; spontaneous combustion, 56 ; smoking, 49 ; 
exposure to gas-jets, 30 ; ashes in wooden vessels, 21. 

The rendering of these annual returns is already yielding 
good results in many sections of the State. Public attention 
is being enlisted, and greater vigilance exercised, in the adop- 
tion of measures looking to the prevention of fires and the 
better protection of property. Indirectly in this behalf the 
selectmen of Holliston have set an example of special inter- 
est. In 1880 thirteen fires occurred in that town, against 
four in 1881, — ten months of the latter year passing with- 
out a single one. The large disproportion in 1881 evidently 
resulted, in part, from the action of a special committee ap- 
pointed by the selectmen, under a vote of the town, to inves- 
tigate the causes of fires in the previous year. Of the thirteen 
fires in that year, the committee report that five were un- 
doubtedly, and one probably, of incendiary origin. 

In submitting their report the committee make the follow- 
ing comments, which are of sufficient interest to the public, 
as well as to underwriters, to warrant their reproduction 
here. They say, — 

" Property in Holliston has sometimes been insured for much more 
than its value as determined by the assessors, and insurance has actually 
been paid by the companies largely in excess of such value. Whether 
property is fairly assessed, is a matter on which there can justly be a dif- 
ference of opinion. If the tendency of any insurance is bad, the tend- 
ency of over-insurance is much worse: it leads to carelessness and to crime 
besides. Add financial embarrassment to over-insurance, and there is a 
still stronger inducement to crime. Add the probable freedom from de- 
tection, in case one yields to the temptations held out to him, and some 
one in every community will be likely to be found wicked enough to set 
fire to his own property to get the insurance money. 

" The temptation to an agent to insure for whatever amount the insured 
desires is also great. The larger the risk, the larger the premium, and 
the larger also the commission. Further, if the agent refuses to take all 
that is wanted on a risk, he knows very well that the applicant will be 
sure to find an agent who will yield to his desires. In case an insured 
building burns, an agent is tempted to favor the owner rather than the 
company; for if he aids the owner to get the full amount of his insurance, 
and urges a speedy settlement, he will receive another commission when 
the insured rebuilds. When the same ground is burned over a number 
of times, the agent's business is stimulated beyond its normal amount. 

" The amount of insurance paid for losses in Massachusetts in the 
year 1880 was, in round numbers, five and one-quarter millions of dol- 



INSURANCE COMMISSIONER. xxv 

lars. Considering our valuation as compared with that of the State, there 
should have been paid in Holliston, for losses in that year, something 
under $6,000, while in fact the amount paid was over $44,000." l 

With the constant occurrence of destructive fires in the 
principal centres of population and business, efficient precau- 
tions are becoming more and more indispensable, not only for 
their prevention, but against their extension to other prem- 
ises and larger areas. The interspersion of tinder-box build- 
ings in thickly settled districts provides excellent kindling 
wood for the destruction of the more substantial structures. 
The recent great fire which laid waste so large a portion of 
the city of Haverhill may be cited as an illustration in point, 
which will doubtless prompt the substitution of a better class 
of buildings for very many of those destroyed. In this case 
no accurate statistics of the heavy losses and insurances, as 
adjusted, have as yet become accessible. 

Massachusetts Companies voluntarily closing 

Business. 

The disadvantages under which a large majority of Home 
Companies have been struggling for many years, aggravated 
by excessive and unscrupulous competition, and in numerous 
cases by exceptional losses and by other causes which have 
seriously affected their business prosperity, have proved 
almost as disastrous to their existence as the great conflagra- 
tions in Chicago and Boston in 1871-2-3, and are closing the 
doors of nearly as many Companies as were wiped out by 
those historic experiences. As the result of the former 
unpropitious conditions, eighteen of the Massachusetts Com- 
panies voluntarily retiring are still winding up their business 
affairs. 

Of the causes which have contributed in greater or less 
degree to this mortuary record, some of the more immediate 
and potential are significantly suggested in connection with 
other topics considered in these pages, and therefore need no 
special repetition here. It should be added, to the honor of 
the Companies involved, that in every case their policy- 
holders have been equitably and fully protected, while, with 

1 The insurance actually written on the property destroyed and damaged 
was $56,110, and the amount paid was $44,518. — Ins urance Commissioner, 
d 



xxvi REPORT OF THE 

one or two exceptions, their stockholders have been fortu- 
nate in escaping loss. 

It is only fair, however, to state that the fatality is not 
wholly confined to territorial jurisdiction. Its epidemic 
results have affected many Companies from other States, 
most of which have been forced into retirement by the 
ordinary vicissitudes of the business rather than by such 
local influences as have controlled and determined the finan- 
cial status of so many of our own Home Companies. A 
casual glance at the record of withdrawals from this State 
and the causes therefor, even during half of the last decade, 
will show more clearly the distinction suggested, inasmuch 
as nothing of local import, beyond the results of competition 
and accruing losses, could have prompted their action. 

The following are the Massachusetts Companies now vol- 
untarily closing their business, most of them having re-insured 
their risks, and some of them being nearly ready to relin- 
quish their corporate existence : — 

Mutual Fire Companies. — The Boot Manufacturers', the 
City, the Factory, Mechanics' (Mutual and Stock), New 
England, and the Suffolk, — all of Boston ; also the West- 
field, Weymouth and Braintree, and the Whately. 

Mutual Marine Companies. — The Atlantic of Province- 
town, the Commercial of Boston, and the Union of New 
Bedford. 

Joint-Stock Companies. — The Alliance, Commonwealth, 
Faneuil Hall, Globe, Revere, and the Shawmut, all of 
Boston. 

The Beverly Insurance Company has re-insured its risks, 
but has not yet voted to close its doors. 

Insurance Receiverships. 

Since the last Report three of the Massachusetts Receiver- 
ships, those of the Home, National, and People's Insurance 
Companies, have been closed by order of Court, their final 
accounts having been rendered, and all unclaimed dividends 
paid into the State Treasury, subject to the provisions of 
sect. 173, chap. 119 of the Public Statutes. 

The affairs of several others have remained substantially 
unchanged since last reported ; viz., those of the Boston, 
Exchange, Howard, Manufacturers', Merchants', and the 



INSURANCE COMMISSIONER. 



XXVll 



Shoe and Leather Dealers* Insurance Companies, 
remainder appear in the following abstracts : — 

Conway Mutual Fire Insurance Company. 



The 



Cash on hand Dec. 31, 1880 
Received from assessments 



Total 
Paid sundry claims 



$2,457 65 
253 63 

$2,711 28 
599 23 



Balance on hand Dec. 31, 1881 . . $2,112 05 

The Receivers report that they have paid the principal sum 
of all claims against the Company, except one of $550, the 
greater part of which is being tested by suit brought by the 
Smith Charities, on the decision of which a final settlement 
will be reached. From the foregoing balance is to be de- 
ducted such compensation and expenses of the Receivers as 
shall be allowed by order of Court. 



Franklin Insurance Company. 



Balance on hand Dec. 31, 1880 
Received for interest 



Total 



Loan to South Boston Railroad Co. 

Paid sundry expenses 

Cash on hand .... 

Balance of assets Dec. 31, 1881 



$1,400 00 
25 00 
79 82 



$1,456 53 
48 29 

$1,504 82 



^1,504 82 
1,479 82 



New England Mutual Marine Insurance Company. 



Cash on hand Dec. 31, 1880 .... 
Paid sundry expenses . . . $601 37 
Paid taxes on Chicago property . 282 11 

Balance on hand Dec. 31, 1881 

Neptune Insurance Company. 

Cash on hand Dec. 31, 1880 .... 
Received for interest 



Paid court fees . 

Balance on hand Dec. 31, 1881 



$5,498 67 



883 48 



[,615 19 



$9,798 63 
183 53 

$9,982 16 
32 20 

$9,949 96 



xxviii REPORT OF THE INS. COMMISSIONER. 

Washington Insurance Company. 

Cash on hand Dec. 31, 1880 .... $30,972 36 
Received for interest and dividends . . 1,321 28 



Balance on hand Dec. 31, 1881 . . $32,293 64 

In addition to this amount the Receivers report other 
assets and claims, as heretofore rendered. 



STATISTICAL TABULATIONS. 



XXX 



REPORT OF THE 



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REPORT OF THE 



Surplus or 

Deficiency in 

1880. 


$146,890 

183,277 

21,027 


CO 


Surplus or 
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1881. 


$98,441 
230,188 
—8,818 


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$909,433 

1,126,104 

330,416 


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Dec. 31, 1881. 


$18,635,472 
8,933,414 

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$78,410 
643,930 
156,272 


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$557,200 
93,600 


$650,800 


Com- 
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1873 
1853 
1867 




NAME OF COMPANY. 




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Massachusetts Mutual Fire Companies. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Dep. Notes 
Received. 


Losses Paid. 


Losses 
Incurred . 


Abington .... 

Annisquam 

Arkwright 

Ashfield .... 

Attleborough . 


$695,919 

66,425 

12,857,134 

1,886 

348,593 


$10,601 

110,374 

9 

2,404 


$31,803 
4,842 

551,869 

57 

9,614 


86,349 

32,098 

1,239 


85,886 

32,098 

539 


Barnstable County , , 

Berkshire 

Boston Manufacturers' . 

Bristol County 

Cambridge 


864,952 

1,008,522 

25,211,503 

562,216 
1,511,729 


14,753 

13,361 

209,294 

3,472 

19,750 


28,226 
39,977 
1,046,471 
69,439 
39,501 


5,100 

5,357 

62,057 

1 ,249 

246 


4,077 

6,037 

62,057 

3,049 

246 


Citizens' .... 
Cohasset .... 
Cotton and "Woolen 
Dedham .... 
Dorchester 


4,720,358 

97,257 

1,260,456 

560,13(5 

3,041,360 


62,536 
1,517 

10,981 
8,375 

44,877 


125,072 

5,856 
54,907 
16,914 
44,877 


11,716 

1,808 

148 

3,121 

13,444 


12,381 

1,458 

148 

2,375 

11,192 


Essex . 

Fall River Manuf'turers' 

Fitchburg 

Franklin .... 

Granby .... 


154,925 
5,703,544 
4,288,502 

479,957 
17,030 


2,999 
49,869 
60,344 

5,971 
95 


8,996 

249,347 

60,344 

17,914 

766 


6 
1,713 

23,865 
3,864 
1,063 


1,260 
1.713 
23,175 
5,880 
1,063 


Groveland 
Hampshire . 
Hingham . . 
Lowell .... 
Lynn .... 


280,585 
691,968 
3,225,601 
787,520 
288,025 


8,488 

53,238 

8,381 

3,977 


16,425 
25,464 
104,625 
16,761 
15,907 


103 

5,879 

27,055 

1,188 

356 


103 

21,956 
1,188 

356 


Merchants' and Farmers' 

Merrimack 

Middlesex 

Mil ford .... 

Mill-Owners' . 


3,234,713 
4,281,963 
4,084,491 
142,622 
5,225,734 


44,693 
53,650 
59,496 
1,567 
47,615 


44,693 
113,475 

59,496 

4,702 

238,077 


11,317 

19,944 

21,417 

1,077 

382 


11,317 

16,876 

22,417 

1,077 

382 


Mutual Fire Assurance . 
Mutual Protection . 
Newburyport . 
Norfolk .... 
Quincy .... 


727,100 

220,250 

99,360 

2,576,646 

6,422,263 


11,075 

2,277 

1,190 

39,633 

87,585 


22,150 

6,832 

8,923 

77,446 

87,585 


882 

235 

12 

16,365 

28,536 


860 

235 

12 

19,301 

26,885 


Salem .... 
Salisbury and Amesbury, 
Saugus .... 
Shelburne 
South Danvers 


203,075 

39,070 

894,600 

9,850 

140,850 


2,844 
321 

58 
3,062 


8,532 

3,211 

108,896 

583 

9,187 


88 
100 
401 

1,149 


506 
100 
401 

1,192 


Spinners .... 
Traders' and Mechanics' 
"Westford .... 
West Newbury 
"Worcester Manuf'turers' 
"Worcester Mutual . 


1,389,187 
5,560,159 
59,476 
237,410 
8,034,163 
6,591,907 


11,582 

67,112 

595 

72,839 
95,565 


57,910 

67,112 

1,190 

9,580 

364,195 

95,565 


31 

10,055 

18 

63,396 
27,596 


31 
10,005 

18 

100 

32,051 

25,330 


Totals 


$118,900,992 


§1,308,425 


$3,975,314 


8412,025 


8373,212 



INSURANCE COMMISSIONER. 



lv 



Table XIII. — Massachusetts Business for 1881 — Continued. 
Massachusetts Mutuals with Guarantee Capital. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Dep. Notes. 
Received. 


Losses Paid. 


Losses 
Incurred. 


Holyoke .... 
Massachusetts 


$5,231,638 
2,311,004 


$69,086 
17,417 


$68,513 


$10,698 
2,280 


$10,698 
1,930 


Totals 


$7,542,642 


$86,503 


$68,513 


$12,978 


$12,628 



Massachusetts Mutual Marine and Fire-Marine Companies. 

Fire Business. 



NAME of company. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


Boylston Mutual . . . $6,815,901 


S36,482 


1 

$8,799 


$12,400 



Marine Business. 



Boylston Mutual 


$11,688,337 

18,829,383 

4,986,456 


$126,829 
389,425 
105,199 


$86,600 
238,682 
130,972 


$79,750 
238,682 
115,697 


Totals 


$35,504,176 


$621,453 


$456,254 


434,129 



Massachusetts Joint-Stock Companies. 
Fire Business. 



American 


$3,063,609 


$16,189 


$1,893 


$1,516 


Commonwealth .... 


9,104,554 


74,491 


38,321 


38,172 


Dwelling-House .... 


2,894,573 


17,943 


6,414 


7,416 


Eliot 


2,169,476 


23,812 


10,721 


12,618 


Firemen's Fire .... 


5,200,473 


44,092 


18,796 


19,004 


First National Fire 


5,237,720 


31,100 


17,944 


19,131 


Franklin of Boston 


2,011,616 


19,388 


10,016 


9,919 


Gloucester Fire .... 


1,805,527 


20,771 


15,235 


14,580 


Manufacturers' Fire and Marine, 


11,414,513 


113,180 


87,341 


66,412 


Mercantile Fire and Marine 


4,312,582 


24,273 


6,097 


18,182 


Neotune Fire and Marine . 


4,986,452 


51,407 


31,358 


31,358 


North American .... 


4,103,961 


25,641 


7,400 


6,895 


Prescott 


4,192,218 


41,009 


19,430 


22,262 


Shoe and Leather 


16,220,923 


137,091 


88,343 


91,109 


Springfield Fire and Marine 


10,914,042 


108,331 


61.157 


70,412 


\Vashingtou 


5,788,048 


40,209 


32,274 


39,789 


Totals 


$93,420,287 


$788,927 


$452,740 


$468,775 



lvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1881 — Continued. 

Marine Business. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


American 

Boston Marine .... 
Equitable Marine 
Gloucester Fire .... 
Manufacturers' Fire and Marine, 

Mercantile Fire and Marine 
Neptune Fire and Marine . 
Salem Marine .... 
Shoe and Leather 
"Washington 


50,201.375 

35,948,924 

',813 

232,44'J 

23,114,188 

4,077,310 
1,433,071 

2.692. 019 

5,629,662 


764 

33,180 

8,411 

168,208 

47,035 

43,903 

53,075 

285,061 

115,311 


$6- 
426,600 

787 

145 

53,687 
35,444 
40." 
259.640 
78,12* 


;,348 

46i 
3,497 
6,850 

144,742 

69,756 
3:1,944 

..540 
92,140 




$102,934,289 


S1 ; C02,744 


51,116,427 


> 1.193,301 



Companies of other States. 
Fire Business. 



^Etna . 
Albany . 
American 
American Central 
American Exchange 



American Fire (New York) 
American Fire (Philadelphia) 
Atlantic Fire and Marine . 
Buffalo . 
Buffalo German . 



Citizens' (New York) 
Citizens' (St. Louis) 
City Fire 
Clinton . 
Commerce . 



Commercial Fire 
Commercial Mutual 
Connecticut Fire . 
Continental . 
Delaware Mutual Safety . 

Enterprise Fire and Marine 
Equitable Fire and Marine 
Exchange Fire 
Farragut Fire 
Fire Association . 

Fire Ins. Co., County of Phila. 
Fireman's Fund . * . 
Firemen's (Baltimore) 
Firemen's (Dayton) . 
Firemen's (Newark) . 

Firemen's (New York) 
Franklin .... 
German American 
Germania .... 
Girard Fire and Marine 



815,4 ' 

4.322 

1,064,740 

1,401,885 

634,477 

1,124,330 

3,098,855 
921,884 
746,819 

2,362,050 

3,156,874 
182,373 
979,546 

1,482,923 

1,457,816 

1,946,744 

375,160 

4,620,100 

5,161,377 

2,817,298 

1,317.523 

2,814.711 

688,000 

472,036 

7,8. 

516,738 
2,105,758 
1,387,796 

683,459 
1,347 

832,726 
3,378,954 
7,853,704 
3,555,380 
1,419,373 



$141,852 

6,140 

6,481 

17,208 

3,143 

5.730 

25,300 

9,355 

5,503 

19,848 

25,810 
1,912 
4,380 
8,818 

14,777 

16,700 

2.110 

49,304 

15,455 

23.366 

5,061 

3,638 

87,946 

3,598 
15,186 

9,009 

4,06S 
33.119 
64. 

10,559 



$88,963 

2.354 

2.744 

10,269 

3,981 



6,225 

6,885 

2,063 

10,210 

14,934 
2,633 
7,855 
1.047 
3,614 

6,852 

28.042 

20,850 

513 

12,649 

2,500 
6,040 

- 



6,632 
11,512 

2,804 

53 
20.247 
34,738 

3,146 



890,684 
2,311 

8,457 
3,981 



7,836 
3,557 
9,696 

16,958 

2,633 

15 

1.047 

4,711 

7,377 

21,816 

21,839 

513 

15,569 

10,508 

2,500 

6,040 

57.199 



6,632 
15,001 

3,059 

53 

20.247 

40.124 

19,927 

3,146 



INSURANCE COMMISSIONER. 



lvii 



Table XIII. — Massachusetts Business for 1881 — Continued. 



NAME OF COMPANY. 



Risks Written. 



Premiums 
Received. 



Losses Paid. 



I osses 
Incurred. 



Glen's Falls. 

Greenwich .... 
Guardian Fire 
Hanover Fire 
Hartford Fire 

Home 

Howard .... 
Ins. Co. of North America 
Ins. Co., State of Pennsylvania 
Irvine . 



Jefferson 
Long Island . 
Lorillard 
Lumbermen's 
Manhattan . 



Manufacturers' and Builders' 
Mechanics' Fire . 
Mercantile . 
Merchants' (Newark) . 
Merchants' (New York) 

Merchants' (Providence) 
Meriden Fire 
National Fire (Baltimore) 
National (Hartford) . 
National (New York) . 

Newark City 
Newark Fire 
New Hampshire Fire . 
New York Bowery 
New York Fire . 

Niagara Fire 
North-Western National 
Orient .... 
Pacific Fire . 
Pennsylvania Fire 

People's (Newark) 
People's (New York) . 
Phenix (Brooklyn) 
Phoenix (Hartford) 
Providence Washington 

Relief .... 

Rochester German 

Rutgers 

Security 

Standard 



Star Fire 

Sterling 

St. Paul Fire 

Trade . 

Traders' 



and Marine 



Tradesmen's Fire 
Union (Philadelphia) . 
Union (San Francisco) 



$1,607,258 

64,150 

1,820,000 

4,965,122 

7,812,642 

16,662,896 
3,286,338 

11,057,781 

2,541,353 

244,623 

1,011,450 
1.240,463 
1,297,547 
1,081,183 
3,254,720 

1,435,550 

934,286 

336,200 

2,776,472 

1,083,790 

3,053,509 
2,469,610 
904,527 
3,213,310 
1,882,796 

306,155 
2,200,542 
3,515,800 
2,832,661 

697,826 

6,133,289 
1,151,644 
3,953,177 

2,829,876 
5,403,795 

1,737,315 
726,492 
7,507,387 
8,983,401 
6,739,796 

1.285,467 
2,204,359 
1,253,053 
1,532,818 
1,704,621 

3,392,149 

597,791 

621,761 

1,673,149 

1,382,624 

1,465,071 
4,531,203 
1,816,886 



$12,755 

263 

5,440 

42,736 

82,628 

139,449 
27,371 

103,139 

23,615 

2,832 

4,982 

14,407 

7,407 

9,790 

28,163 

11,279 
7,169 
1,200 

21,415 
6,948 

27,653 
25,931 
8,072 
25,826 
13,417 

3,368 
25,453 
37,040 
18,458 

6,214 

45,320 

8,392 

36,524 

19,219 

53,728 

17,336 
5,660 
60,226 
85,315 
60,553 

17,110 
20,803 
8,727 
13,955 
19,261 

28,676 

3,564 

6,195 

18,398 

15,550 

11,800 
33,339 
11,265 



$3,106 

22 

241 

27,205 

46,544 

76,282 
12,406 
54,632 
17,114 
2,161 

557 

6,055 

5,847 

2,277 

31,701 

564 
2,902 

13,376 
2,165 

15,176 
9,556 

14,145 
7,691 
3,626 

2,465 
17,481 
13,366 
17,307 

1,720 

24,468 
6,169 

13,100 
5,464 

17,227 

9,572 

3,098 

33,516 

65,499 

33,434 

12,192 

14,804 

7,103 

5,208 

7,883 

13,244 

529 

9,205 

5,787 

11,206 

10,083 

19,796 

952 



$2,706 

22 

1,041 

24,689 

42,618 

84,121 
14,528 
53,427 
19,216 
3,288 

552 

8,833 

5,847 

2,277 

34,201 

564 
2,902 

14,862 
3,165 

17,525 

10,410 

13,568 

7,675 

5,481 

3,054 
21,793 
15,331 
17,869 

2,328 

28,373 
8,654 

15,200 
7,964 

19,933 

14,023 
4,298 
35,917 
61,913 
30,997 

13,133 

15,317 

7,034 

6,111 

12,060 

18,108 

349 

8,705 

8,482 

15,243 

7,906 

19,769 

952 



lviii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1881 — Continued. 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


r ~ . , Losses 
Losses Paid. T 

Incurred. 


Watertown Fire .... 
Williamsburgh City . 


$7,805,982 
4,448,907 
4,446,851 


$70,967 
43,697 
32,298 


$45,790 

28,059 

9,536 


$41,109 
28,587 
11,036 


Totals 


$256,830,477 


$2,241,990 $1,238,115 


$1,289,099 



Marine Business. 



Atlantic Mutual . 
Commercial Mutual . 
Delaware Mutual Safety . 
Equitable Fire and Marine 
Great Western . 

Insurance Co. of No. America 
North-Western National . 
Orient Mutual 

Phenix 

Providence Washington . 

Union (Philadelphia) . 
United States Lloyds . 

Totals .... 



$12,410,806 

591,705 

31,215,100 

206,502 

6,466,805 

59,612,832 

1,371,477 

609,910 

4,865,970 

1,855,817 

2,178,123 



$121,385,047 



$247,459 

12,998 

322,048 

1,242 

59,418 

409,071 

9,494 

15,436 

13,081 

11,105 

8,303 



$161,534 

16,437 

298,804 

1,001 

20,932 

485,861 

8,158 

12,221 

5,845 

1,281 

11,136 



$161,634 

16,037 

270,086 

1,401 

34,505 

485,861 
8,627 
6,396 
5,845 
1,281 

11,836 



$1,109,655 \ $1,023,210 j $1,003,409 



United States Branches Foreign Countries. 
Fire Business. 



British American 


$3,238,891 


$32,316 


$26,286 


.'6,680 


Commercial Union 


12,242,026 


92,165 


37,374 


39,533 


Confiance 


5,743,684 


54,154 


49,106 


54,306 


Fire Insurance Association 


10,467,052 


77,884 


31,586 


34,208 


Guardian Assurance . 


5,019,800 


41,105 


17,515 


19,034 


Hamburg-Bremen 


3,365,511 


27,335 


14,393 


14,293 


Hamburg-Magdeburg 


182,021 


1,395 


2,319 


2,325 


Imperial 


1,212,957 


32,673 


24,076 


24,042 


Lancashire 


6,422,608 


65,180 


60,273 


59,426 


Lion Fire 


1,642,740 


17,977 


5,170 


5,202 


Liverpool and London and Globe, 


25,211,334 


175,129 


65,437 


78,637 


London Assurance 


7,304,205 


49,080 


17,71H 


19,093 


London and Lancashire 


4,748,441 


46,248 


9,935 


10,169 


Metropole 


9,934,360 


99,146 


30,096 


35,259 


North British and Mercantile . 


12,461,679 


98,079 


72,619 


75,375 


Northern Assurance . 


1,212,957 


32,673 


24,076 


24,012 


North German .... 


3,347,368 


31,089 


21,196 


21,553 


Norwich Union .... 


2,904,324 


21,321 


2,899 


5.429 


Phoenix Assurance 


8,178,619 


57,522 


27,352 


31,302 


Queen 


8,625,594 


75,392 


58,966 


49,932 


Reassurances Generales 


2,932,008 


29,137 


11,372 


14,247 




15,129,380 


141,963 


54,713 


47,753 


Scottish Union and National . 


1,623,223 


17,770 


7,483 


7,533 



INSURANCE COMMISSIONER. 



lix 



Table XIII. — Massachusetts Business for 1881 — Concluded, 



NAME OF COMPANY. 


Risks Written. 


Premiums 
Received. 


Losses Paid. 


Losses 
Incurred. 


Standard 

Transatlantic .... 
Western Assurance . 


$2,905,216 
1,339,410 
1,636,926 


$32,096 
11,267 
22,931 


$2,921 

7,791 

17,445 


$3,226 

8,396 

16,938 




$159,032,334 


$1,383,027 


$700,190 


$727,933 



Marine Business. 



British and Foreign Marine 
Union Marine .... 


$8,843,949 
2,354,643 


$76,843 
45,911 


$20,542 
3,829 


$24,352 
5,231 




$11,198,592 


$122,754 


$24,371 


$29,583 



lx 



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Bone-shops . . 

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Breweries . 


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Bridges . 
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Canning-establishments 

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Chain shops and founderies 

Churches 

Cider-mills . 



INSURANCE COMMISSIONER. 



lxi 



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Ixviii 



REPORT OF THE 



Table XVI. — Causes of Fires Classified. 



Property. 



Cause of Fire. 



Artists' studios 

Bakeries and confectioneries 



Barbers' shops 



Barns and private stables . 

Basket-manufactories . 
Blacksmiths' shops 
Bleacheries .... 



Boarding and lodging houses 



Boiler and engine houses . 



Churches .... 

Cider-mills .... 
Cigar stores and manufactories 

Clotbing-stores 

Club-rooms and billiard-halls 
Coffee-roasting establishments 



Bone-shops . 

Book and stationery stores . 



Boot and shoe manufactories 



Boot and shoe stores . 

Breweries . . . . 
Brick-kilns . 

Bridges 

Broom-factories 

Canning-establishments 

Cement-works 

Chain shops and founderies 



Exposure to gas-jet, 1. 

Defective chimney, 2; defective oven, 
3; exposure, 4; incendiary, 1; kero- 
sene lamp or stove, 1; unknown, 6. 

Exposure, 1; kerosene lamp or stove, 
2; unknown, 1. 

Boiling over of kettle of pitch, 1; 
breaking lantern, 5; children witli 
matches, 20; defective beating-ap- 
paratus, 1; exposure, 19; fireworks, 
2; incendiary, 117; kerosene lamp 
or stove, 3; lightning, 11: lime and 
water, 1; smoking, 11; sparks from 
chimney, 1; sparks from locomotive, 
1; spontaneous, 2; unknown, 59. 

Exposure, 1. 

Children with matches, 1; exposure, 
2: incendiary, 2; sparks from forge, 
1; unknown, 2. 

Unknown, 2. 

Children with matches, 1; clothes ex- 
posed to lamp or stove, 1; careless 
use of matches, 3; defective chim- 
ney, 1; incendiary, 1; kerosene lamp 
or stove, 2; smoking, 1; unknown, 1. 

Careless use of matches, 1; exposure, 
1; sparks from chimney, 1; sparks 
from stove or furnace, 1; unknown, 
1. 

Ignition volatile oil, 1. 

Defective heating-apparatus, 1; kero- 
sene lamp or stove, 1; unknown, 3. 

Ashes in wooden vessels, 1; careless 
use of matches, 1 ; defective heating- 
apparatus, 3; exposure, 5; exposure 
to gas-jet, 1; hot iron on wood, 1; 
ignition volatile oil, 2; incendiary, 
2; kerosene lamp or stove, 1; smok- 
ing, 1; spontaneous, 2; unknown, 2. 

Exposure, 1; fireworks, 1; smoking, 
1; unknown, 4. 

Lightning, 1. 

Sparks from kiln, 1. 

Unknown, 1. 

Unknown, 2. 

Unknown, 1. 

Ignition of volatile oil. 1. 

Defective chimney, 1; defective heat- 
ing-apparatus, 1; incendiary, 1; 
sparks from chimney, 1 ; sparks from 
stove or furnace, 1; unknown, 3. 

Defective chimney, 1; defective heat- 
ing-apparatus, 2: fireworks, 1; incen- 
diary, 1; lightning, 2: unknown. 2. 

Defective chimney, 1; incendiary, 1. 

Exposure, 1: kerosene-lamp, 2; smok- 
ing, 1; unknown, 1. 

Careless use of matches, 1; exposure, 
1; exposure to gas-jet, 1; unknown, 
1. 

Careless use of matches, 1: exposure, 
4; unknown, 1. 

Unknown, 1. 



INSURANCE COMMISSIONER. 



lxix 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause op Fire. 



Comb-manufactories . 
Cotton-batting manufactories, waste 
houses, jute and shoddy mills . 

Cotton-factories .... 

Crockery and glassware stores . 
Curled-hair factories . 

Curriers' shops, morocco manufac 
tories, and tanneries . 



Dining-rooms 



Drug-stores 



A 
I 



Dry, woollen, fancy-goods, and trim- J 
ming stores .... 



Dwelling-bouses . 



.- 



Dyewoods and cbemical works 

Electric-fuse manufactories 
Emery-wheel manufactories 
Fertilizing-works . 
Fireworks-manufactories . 
Flouring and grist mills 
Fruit-stores .... 

Furniture-stores . 



Gas-works 
General stores 



Defective heating-apparatus, 1. 

Friction, 7; spontaneous, 1; unknown, 
3. 

Defective chimney, 1; friction, 3; in- 
cendiary, 1; spontaneous, 2; un- 
known, 3. 

Careless use of matches, 1; exposure, 
3; smoking, 1. 

Friction, 1. 

Defective heating-apparatus, 2; ex- 
posure, 1; friction, 2; ignition vola- 
tile oil, 1; incendiary, 2; sparks from 
chimney, 2; spontaneous, 1; un- 
known, 6. 

Boiling over of kettle of fat, 2; defec- 
tive heating-apparatus, 2; exposure, 
3; kindling tire with kerosene oil, 1; 
unknown, 2. 

Ashes in wooden vessels, 1 ; exposure, 
1; ignition of volatile oil, 1; incen- 
diary, 1; rats and matcbes, 1; smok- 
ing, 1. 

Ashes in wooden vessels, 1; careless 
use of matches, 1; children with 
matches, 1; defective chimney, 1; 
exposure, 9; exposure to gas-jet, 2; 
fireworks, 1; incendiary, 1; kero- 
sene-lamp, 1; smoking, 2; sparks 
from chimney, 1; unknown, 4. 

Ashes in wooden vessels, 14; boiling 
over kettle of fat, 2; careless use of 
matches, 15; children with matches, 
52; clothes exposed to lamp or 
stove, 14; defective chimney, 146; 
defective heating-apparatus, 23; ex- 
plosion of gas, 1; exposure, 65; ex- 
posure to gas-jet, 16; fireworks, 10; 
hot soapstone in bed, 1; ignition of 
volatile oil, 1; incendiary, 43; kero- 
sene lamp or stove, 53; kindling tire 
with kerosene oil, 3; lightning, 6; 
plumbers' furnace, 1; rats and 
matches, 8; smoking, 18; sparks 
from chimney, 25; sparks from loco- 
motive, 4; sparks from stove or fur- 
nace, 7; spontaneous, 3; thawing 
water-pipes, 10; uncovered chimney- 
holes, 1; unknown, 114. 

Sparks from locomotive, 1; un- 
known, 1. 

Lightning, 1. 

Unknown, 1. 

Spontaneous, 1; unknown, 1. 

Explosion of chemicals, 1. 

Incendiary, 1; friction, 3; unknown, 1. 

Exposure, 1. 

Defective chimney, 1; exposure, 
incendiary, 1 ; kerosene-lamp, 
smoking, 1; sparks from stove, 
unknown, 2. 

Defective chimney, 1; explosion 
gas, 1; unknown, 2. 

Defective chimney, 1; careless use 



3; 
i; 

i; 

of 



of 



matches, 1; exposure, 2; unknown, 1, 



lxx 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fiee. 



Grain-stores 
Greenhouses 

Groceries 



Hardware-stores . 

Harness-manufactories 
Hay-stores 



Hotels 



Tce-houses 
Incubators 



Jewelry-manufactories 
Jewelry-stores 

Junk-stores . 



Laundries 

Leather-stores 
Lime-kilns 



Liquor stores and saloons . 

Livery-stables 
Lumber-sheds and wharves 



Machine-shops 

Marble-works 

Mason and plumbing works 

Millinery-stores . 

Offices 

Oil-clothing manufactories . 
Oil-stores .... 
Oil-works .... 



Exposure, 3; smoking, 1; spontane- 
ous, 1. 

Exposure, 1; incendiary, 1. 

Children with matches, 1; exposure, 4; 
incendiary, 3; kerosene-lamp, 3; 
smoking, 1; unknown, 7. 

Defective chimney, 1; exposure, 1; in- 
cendiary, 1; sparks from stove and 
furnace, 1. 

Exposure, 4; unknown, 1. 

Incendiary, 4; smoking, 1; spontane- 
ous, 1. 

Careless use of matches, 3; clothes ex- 
posed to stove or lamp, 1; defective 
chimney, 5; defective heating-appa- 
ratus, 3; explosion of gas, 1; ex 
ure, 1; exposure to gas-jet, 4: kero- 
sene lamp or stove, 2; smoking, 2; 
unknown, 1. 

Incendiary, 4; unknown, 1. 

Defective heating-apparatus. 1. 

Ignition volatile oil, 1; sparks from 
chimney, 1. 

Exposure, 1; unknown, 1. 

Defective heating-apparatus, 1 ; incen- 
diarv, 1; spontaneous, 1; unknown, 
3. 

Defective heating-apparatus, 1; spon- 
taneous, 1; unknown, 1. 

Careless use of matches, 1; ignition of 
volatile oil, 1; exposure, 2; incendi- 
ary, 1. 

Unknown, 1. 

Children with matches, 1; defective 
heating-apparatus, 2; exposure, 3; 
explosion of gas, 1: hot iron on 
wood-work, 1; incendiary, 2; kero- 
sene-lamp, 3; smoking, 2: unknown, 
1. 

Incendiary, 2; kerosene-lamp, 1; light- 
ning, 1; unknown, 2. 

Defective heating-apparatus, 1; incen- 
diary, 12; sparks from chimney, 1; 
unknown, 4. 

Careless use of matches, 1; defective 
boiler, 1; defective chimney, 1; de- 
fective heating-apparatus, 2; expos- 
ure, 2; friction, 1; hot iron on wood- 
work, 2: sparks from chimney, 1; 
sparks from stove or furnace, 1; 
spontaneous, 3; unknown, 11. 

Unknown, 1. 

Exposure, 3; lime and water, 1; plumb- 
ers' furnace, 1; unknown, 1. 

Exposure, 4; incendiary, 1; unknown, 
3. 

Defective heating-apparatus, 1: expos- 
ure, 2; exposure to gas-jet, 1; incen- 
diary, 2; kerosene-lamp, 1 ; smoking, 
1; unknown, 4. 

Spontaneous, 2. 

Breaking of lantern, 1; kerosene- 
lamp, 1. 

Careless use of matches, 1. 



INSURANCE COMMISSIONER. 



lxxi 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Cause of Fire. 



Paint-shops 
Paper-mills 



. .:,. . v.. ;.| 



Paper-stores . 

Photograph-rooms 

Piggeries 

Potteries 



Printing-establishments 
Provision-stores . 

Public halls . 



H 



Railroad depots, cars, and coal-sheds, ^ 



Ropewalks 
Rubber-mills . 
Sail-lofts . 

Saw and planing mills 



Schoolhouses . 



Silk-factories . 



SI aughter-houses 
Soap-factories 



Storehouses 



Stove and tinware stores 



Tailoring and dressmaking establish 
ments . 



Tin-shops 
Tobacco-barns 

Unoccupied buildings 

Upholsterers' shops 

Vessels (at wharves) 



.1 



Ignition of volatile oil, 3; spontaneous, 
6. 

Defective heating-apparatus, 2; defec- 
tive boiler, 1; exposure, 1; sponta- 
neoiis, 2; unknown, 2. 

Exposure, 1; sparks from stove or 
furnace, 1; spontaneous, 1. 

Kerosene-lamp, 1; unknown, 1. 

Incendiary, 1; unknown, 1. 

Unknown, 1. 

Exposure, 2; incendiary, 1; smoking, 
1 ; spontaneous, 1. 

Defective chimney, 2; defective heat- 
ing-apparatus, 1 ; exposure, 1 ; incen- 
diary, 1; smoking, 1; unknown, 1. 

Careless use of matches, 1; defective 
heating-apparatus, 2; exposure, 3; 
exposure to gas-jet, 2; incendiary, 
3; unknown, 4. 

Children with matches, 1; defective 
chimney, 4; defective heating-ap- 
paratus, 1 ; explosion of gas, 1 ; ex- 
posure, 1; exposure to gas-jet, 1; 
incendiary, 8; kerosene-lamp, 1; 
sparks from locomotive, 5; spon- 
taneous, 0; unknown, 5. 

Spontaneous, 1; unknown, 1. 

Spontaneous, 3; unknown, 3. 

Unknown, 1. 

Incendiary, 1; sparks from chimney, 
1; unknown, 8. 

Ashes in wooden vessels, 1; defective 
chimney, 1; defective heating-ap- 
paratus, 2; incendiary, 4; unknown, 
2. 

Defective heating-apparatus, 1; fric- 
tion, 1. 

Incendiary, 2; unknown, 2. 

Incendiary, 1; UDknown, 1. 

Ashes in wooden vessels, ] ; exposure, 
5; incendiary, 10; sparks from 
chimney, 2; sparks from hoisting- 
engine, 2; sparks from locomotive, 
2; sparks from stove, 1; spontaneous, 
8; unknown, 6. 

Defective heating-apparatus, 1; un- 
known, 1. 

Ashes in wooden vessels, 1; defective 
chimney, 1; exposure, 2; hot iron" 
on wood- work, 1 ; ignition of volatile 
oil, 1; incendiary, 1; kerosene lamp 
or stove, 1; unknown, 2. 

Defective chimney, 1; defective heat- 
ing-apparatus, 1; exposure, 2. 

Exposure, 1; incendiary, 1; unknown, 

Children with matches, 1; exposure, 
3; incendiary, 51; lime and water, 
1; unknown, 7. 

Exposure, 3; exposure to gas-jet, 1; 
kerosene-lamp, 1; spontaneous, 1. 

Lime and water, 1; sparks from hoist- 
ing-engine, 2; spontaneous, 1; un- 
known, 1. 



lxxii 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Concluded. 



Tropeett. 



Cause of Fibe. 



"Whiting-manufactories 
"Wood-sheds . 



"Wood-working estahlishments 



Woollen-factories 
"Wool-stores . 



Unknown, 1. 

Ashes in wooden vessels, 1; careless 
use of matches, 1; children with 
matches, 3; incendiary, 6; sparks 
from locomotive, 1; unknown, 3. 

Careless use of matches, 1; defective 
chimney, 5; defective heating-ap- 
paratus, 5; explosion of chemicals, 
1; exposure, 10; incendiary, 9; smok- 
ing, 1; sparks from chimney, 7; 
sparks from stove or furnace, 4; 
spontaneous, 2; unknown, 30. 

Defective heating-apparatus, 1; fric- 
tion, 2; sparks from stove or furnace, 
1; spontaneous, 2; unknown, 2. 

Spontaneous, 1. 



Table XVII. — Summary of Causes. 



Cause. 


No. 


Cause. 


Vo. 


Unknown .... 


365 


Ignition of volatile oil 


13 


Incendiary (as reported) 


310 


Thawing water-pipes . 


10 


Exposure 


194 


Rats and matches 


9 


Defective chimney . 


178 


Breaking of lantern . 


6 


Children with matches . 


82 


Explosion of gas . 


5 


Kerosene lamp or stove . 


82 


Hot iron on wood-work 


5 


Defective heating-apparatus . 


65 


Boiling over of kettle of fat, 


4 


Spontaneous .... 


56 


KindJiug fire with kerosene 




Smoking 


49 


oil . 


4 


Sparks from chimney 


44 


Lime and water . 


4 


Careless use of matches . . 


35 


Sparks from hoisting-engine, 


4 


Exposure to gas-jet 


30 


Defective oven . 


3 


Lightning 


22 


Defective boiler . 


2 


Ashes in wooden vessels 


21 


Explosion of chemicals 


2 


Friction 


20 


Plumber's furnace 


2 


Sparks from stove or furnace, 


19 


Boiling over of kettle of tar, 


1 


Clothes exposed to lamp or 




Sparks from forge 


1 


stove 


16 


Sparks from kiln . 


1 


Fireworks .... 


14 


Uncovered chimnev-holes . 


1 


Sparks from locomotive . 


14 


Hot soapstone in bed . 


1 



INSURANCE COMMISSIONER. 



lxxiii 



Table XVIII. — Statement of the Receipts and Expenditures of 
the Insurance Department for the Tear ending Dec. 31, 1881. 

[Made pursuant to chap. 119, sect. 21, Public Statutes.] 

Receipts. 



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



$14,908 09 
19,390 00 



$34,298 09 



Expenditures. 



Julius L. Clarke, salary .... 


$3,000 00 




William S. Smith, deputy .... 


2,500 00 


$5,500 00 






Clerks. 






Fred L. Cutting, first clerk . 


$1,800 00 




James G. Bovey, second clerk 


1,500 00 




Herbert Morissey, extra clerk 


1,000 00 


4,300 00 






Extra Clerks 






C. E. Weis ... ... 


$840 00 




C. L. Sawyer 


, , 










805 00 




A. N. Tenney 












840 00 




M. A. Allen 












840 00 




M. L. McMann 












840 00 




A. M. Hawes 












840 00 




E. L. Johnson 












840 00 




E. W. Cushman 












840 00 










6,685 00 






General Expenses. 








Printing and binding . 




$780 30 




Travelling fares and expenses 






267 64 




Postage .... 






344 20 




Certificate and other books 








169 05 




Paper and envelopes . 








120 55 




Expressage, telegrams, etc. 








110 86 




Wrapping-paper . 








12 00 




Valuation tables, etc. . 








7 75 




Advertising . 








4 00 




Newspapers 








12 00 




Post-office box rent 








16 00 




Sundry small stationery 




\ 




33 60 




Pens, pencils, penholders 








24 70 




Prosecutions for violation of laws 




66 80 




Miscellaneous .... 




14 50 








1,983 95 






Total expenditures for 1881 . 


$18,468 95 


Fees collected and paid into State treasury . 




34,298 09 


Surplus accrued t( 


) Con 


lmon- 


wealt 


h 


• 


$15,829 14 



MASSACHUSETTS MUTUAL 

FIRE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstkact 

of Annual Statements, for the Year ending 

December 31, 1881. 



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.] 

Joseph Vaughn, President. Freeman P. Howland, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds 
Chicago city bonds . 



$5,000 00 $5,815 00 

3,000 00 3,760 00 

1,000 00 1,200 00 

1,000 00 1,140 00 

1,000 00 1,060 00 



Toledo city bonds . 

Union Pacific Railroad bond 

Eastern Railroad bond . 

Mansfield and Framingham Railroad bond . 1,000 00 1,025 00 

Old Colony Railroad bond .... 3,000 00 3,577 50 

14 shares Northern Pacific Railroad . . 1,400 00 1,064 00 

15 

6 
14 
15 
10 
10 
10 
21 
20 
10 

5 

6 



Middlesex Central Railroad . . 1,500 00 1,500 00 

Metropolitan National Bank, Boston, 600 00 721 50 

First National Bank, Salem . . 1,400 00 1,680 00 

City National Bank, Boston . . 1,500 00 1,837 50 

Globe National Bank, Boston . . . 1,000 00 1,110 00 

State National Bank, Boston . . 1,000 00 1,272 50 

Old Boston National Bank, Boston . 500 00 616 25 

Abington National Bank, Abington, 2,100 00 2,961 00 

First National Bank, Danvers . . 1,500 00 1,920 00 

Nat'l Hide and Leather B'k, Boston, 1,000 00 1,142 50 

National Webster Bank, Boston . 500 00 561 25 

Nat'l Bank of the Republic, Boston, 600 00 750 00 

Joint note of trustees Masonic Institutions . - 50 00 

Joint note of trustees Union Calvinistic Soc'y, - 140 00 

Personal loans - 100 00 



$35,004 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . . $500 00 

Loans on mortgage of real estate (first liens) 

Stocks, bonds, etc., as per sehedule 

Cash in the office of the company . 

Cash deposited in the Abington Nat'l Bank 

Premiums in course of collection (net) . 

Interest due and accrued 

Office furniture .... $300 00 

Gross Assets $42,942 95 



4,925 00 

35,004 00 

277 54 

1,646 12 

218 60 

371 69 



1881.] 



INSURANCE COMPANIES. 



Liabilities 

Losses and claims adjusted, but not due 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated polici 
State and local taxes due or accrued . 
Incidental expenses .... 
Gross liabilities .... 

Surplus .... 



$1,330 39 

500 00 

17,563 41 

225 44 

35 83 

23 96 



$19,679 03 
$23,263 92 



Income. 

Gross cash premiums received during the year, $10,858 13 
Deduct return premiums . . . . . 411 60 
Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

for rents ..... 
Deposit notes received during the year . $32,058 36 

Gross cash income ....... 



,446 53 

305 50 

1,700 17 

136 00 



$12,588 20 



Expenditures. 

Paid for losses during the year .... 

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 incidental expenses .... 

Gross cash expenditures .... 



56,349 42 

1,555 51 

907 50 

105 84 

2,406 76 

50 00 

704 56 

.2,079 59 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 



$2,062,146 00 
702,907 00 



$2,765,053 00 
597,782 00 



Net amount in force Dec. 31, 1881 $2,167,271 00 

Deposit notes received on outstanding risks . . . 104,144 80 
Losses incurred during the year . . . . . 5,886 06 

Percentage of profits or surplus returned during 1881, 15, 25, and 40 

per cent. 
Average rate to date, 25 per cent. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 11, 1847. Commenced business Dec. 28, 1847.] 
Charles A. Fernald, President. James S. Jewett, Secretary. 

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



Summary of Assets Dec 
Loans on mortgage of real estate (first liens) 
United States bonds .... 
Loans on personal security 
Cash in the office of the company 
Cash deposited in savings banks 
Premiums in course of collection (net) 
Interest due and accrued . 

Office safe $85 00 

Gross assets 



31, 1881. 

$2,250 00 

587 50 

1,175 00 

244 88 

2,437 22 

29 56 

123 53 



$6,847 69 



Income. 

Received for interest on mortgages 

for interest from all other sources 
from assessments on deposit notes 

Deposit notes received during the year 

Gross cash income .... 



$4,842 25 



$138 70 

87 50 

148 18 



$374 38 



Expenditures. 

Paid for salaries and fees of officers and employes 
for state and local taxes .... 
for incidental expenses .... 

Gross cash expenditures .... 



275 00 

2 57 

23 25 



$300 82 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total .... 
Risks terminated during 1881 

Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 



$335,852 00 
. 66,425 00 



$402,277 00 
54,125 00 

$348,152 00 
23,746 25 



1881.] 



INSURANCE COMPANIES. 



ARKWRTGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 

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

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $25,000 00 $28,750 00 

Massachusetts state bonds 20,000 00 23,000 00 

Maine state bonds 12,000 00 13,800 00 

Boston city bonds 20,000 00 24,300 00 

Providence city bonds 10,000 00 11,400 00 

Old Colony Railroad bonds . . . .15,000 00 18,600 00 

Boston and Maine Railroad bonds . . .11,000 00 13,640 00 

Boston and Lowell Railroad bonds . . . 11,000 00 13,200 00 

Boston and Albany Railroad bonds . . .10,000 00 12,500 00 

Fitchburg Railroad bonds 10,000 00 12,400 00 

Chicago, Burlington, and Quincy R.R. bonds . 10,000 00 12,500 00 

Phila., Wilmington, and Baltimore R.R. bonds, 20,000 00 21,000 00 

New York and New England Railroad bonds . 10,000 00 10,700 00 

Corporation notes ...... - 39,288 75 

$255,078 75 
Summary of Assets Dec. 31, 1881. 



Bonds, etc., as per schedule 
Cash in the office of the company 
Cash deposited in bank 
Interest due and accrued . 
Gross assets 



Liabilities 

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



Surplus 



$255,078 75 

135 23 

. 2,316 42 

. 3,355 83 



. $150 00 

125,063 14 

540 10 



$260,886 23 



125,753 24 



$135,132 99 



Income. 



Gross cash premiums received during the year, $262,695 35 
Deduct return premiums ..... 12,597 57 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $1,313,476 75 

Gross cash income ....... 



$250,097 78 
11,667 34 

$261,765 12 



6 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Paid for losses during the year .... 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 

for rents 

for incidental expenses .... 

Gross cash expenditures .... 



$119,041 24 

13,887 00 

2,454 34 

96,573 57 

1,150 00 

2,946 96 

8236,053 11 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . 825,767,710 00 
Risks written during 1S81 .... 29,995,902 00 

Total 855,763,612 00 

Risks terminated during 1881 27,376,268 00 



Net amount in force Dec. 31, 1881 .... 828,387,34400 
Deposit notes received on outstanding risks . . . 1,250,631 40 

Losses incurred during the year 55,082 67 

Percentage of profits or surplus returned during 1881, 41f per cent. 
Average rate to date, 65^ per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

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

Henry S. Ranney, President. Asa G. Wait, Secretary. 

[Note. — Insures property in the town of Ashfield only.] 

Summary of Assets Dec. 31, 1881. 

Cash in the office of the company . . . 8S0 29 
Unpaid assessments on deposit notes . . . 210 42 

Gross assets $290 71 

Income. 

Cash premiums received during the year .... f 9 44 

Received from assessments on deposit notes . . . 102 39 

Deposit notes received during the year . . 856 58 

Gross cash income 8111 83 

Expenditures. 

Paid for salaries and fees of officers and employes . . 84 00 

Paid for state and local taxes 27 00 



Gross cash expenditures 831 00 



1881.] 



INSURANCE COMPANIES. 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 
Risks written during 1881 .... 
Total 

Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 


$54,980 00 
1,886 25 


$56,866 25 
11,712 75 

$45,153 50 
1,405 86 


• • 

• • 


• 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 

Joseph W. C apron, President. Elijah R. Read, Secretary. 

Summary of Assets Dec. 31, 1881. 

$3,975 00 



Loans on mortgage of real estate (first liens) 
School district notes .... 
Cash in the office of the company 
Cash deposited in bank 
Premiums in course of collection (net) 
Interest due ..... 
Gross assets .... 

Liabilities 

Unearned premiums on outstanding risks 
Gross liabilities .... 



Surplus 



6,135 35 

41 37 

4,977 56 

95 40 

37 64 



:,847 81 



$15,262 32 



4,847 81 
$10,414 51 



INCOME. 

Gross cash premiums received during the year 
Deduct return premiums .... 
Net cash premiums received 
Received for interest on mortgages 
Received for interest from all other sources 
Deposit notes received during the year 

Gross cash income .... 



1,403 55 
27 80 



1,614 20 



$2,375 75 
192 50 
322 12 



1,890 37 



Expenditures. 
Paid for losses during the year .... 
for brokerage and commissions . 
for salaries and fees of officers and employes 
for state and local taxes .... 
for incidental expenses .... 

Gross cash expenditures .... 



$1,238 53 


282 


00 


26 


50 


24 


05 


64 78 



$1,635 86 



8 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 

Risks written during 1881 .... 

Total 

Risks terminated during 18S1 . 

Net amount in force Dec 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 



81,160,027 00 
348,593 00 



- 81,508,620 00 
267,010 00 

. 81,241,610 00 

38,770 34 

538 33 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE 
COMPANY, YARMOUTH. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 
David K. Akix, President. George Otis, Secretary. 



Detailed Statement of Stocks, 

22 shares Merchandise National Bank, Boston 

20 '* State National Bank, Boston 

40 " First National Bank, Yarmouth . 

25 4k Tremont National Bank, Boston . 

10 " Falmouth National Bank, Falmouth 

15 " Nat'l Bank of Redemption, Boston 

4 " Massachusetts National Bank, Boston 
8 " Shawmut National Bank, Boston 

5 " Nat'l Bank of the Republic, Boston 
63 " Old Colony Railroad . 
12 " Union Pacific Railroad 
United States bonds . 
Maine state bonds 
Fall River city bonds 
Sheboygan city bonds 
Iowa Falls and Sioux City bonds 
Union Pacific Railroad first mortgage bonds 
Union Pacific Railroad land grant bonds . 
Union Pacific Railroad sinking fund bonds 
Chicago and Eastern Illinois Railroad first mort- 
gage bonds ...... 

Chicago and Eastern Illinois R.R. income bonds 
Old Colony Railroad bonds 
Ogden Short Line Railroad bonds 



BOXDS, ETC. 

Par value. 

$2,200 00 
2,000 00 
4,000 00 
2,500 00 
1,000 00 
1,500 00 
1,000 00 
•800 00 
500 00 
6,300 00 
1,200 00 
8,000 00 
2,500 00 
1,000 00 
750 00 
2,000 00 
9,000 00 
5,000 00 
1,000 00 

1,500 00 

300 00 
5,000 00 

300 00 



Market value. 

82,310 00 
2,540 00 

5,120 00 

2,975 00 

1,200 00 

2,055 00 

1,200 00 

960 00 

625 00 

7,875 00 

1,392 00 

9,160 00 

2,900 00 

1,230 00 

600 00 

2.380 00 

10,327 50 

5,550 00 

1,210 00 

1,590 00 
312 00 

5,800 00 
300 00 



Securities held as collateral for cash loans : — 

3 shares Mashpee Manufacturing Co. 
Personal loans ...... 



859,350 00 869,611 50 

Market value. Loaned thereon 

. 8450 00 8450 00 
6,589 00 



87,039 00 



1881.] 



INSURANCE COMPANIES. 



9 



Summary of Assets Dec. 31, 1881. 

Stocks, bonds, etc., as per schedule . . $69,611 50 
Loans on collateral security as per schedule . 7,039 00 
Cash deposited iu various banks . . . 2,941 00 

Interest due and accrued ..... 805 26 



Office furniture and safes 
Gross assets 



$250 00 



,396 76 



Liabilities. 

Losses and claims adjusted, but not due . . $631 00 

Unearned premiums on outstanding risks . . 39,815 16 

State and local taxes due or accrued . . . 30 00 

Gross liabilities ...... 

Surplus ........ 



40,476 16 
$39,920 60 



Income. 

Net cash premiums received 
Received for interest from all sources 
Deposit notes received during the year 

Gross cash income 



$28,225 56 



$14,752 99 
3,786 17 

$18,539 16 



Expenditures. 

Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



$5,099 99 

1,853 41 

121 91 

9,187 48 

100 00 

279 03 

$16,641 82 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 . 



$5,182,361 00 
864,952 00 



1,047,313 00 
820,361 00 



Net amount in force Dec. 31, 1881 $5,226,952 00 

Deposit notes received on outstanding risks . . . 159,260 66 
Losses incurred during the year ..... 4,076 99 

Percentage of profits or surplus returned during 1881, 80 per cent. 
Average rate to date, 80 per cent. 

2 



10 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

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

J. L. Peck, President. J. M. Stevenson, Secretary. 



Detailed Statement of Stock9, 

Western Union Telegraph Company bonds 
Boston and Albany Railroad bonds . 
15 shares Boston and Albany Railroad 



120 

100 

29 

10 

15 



N. Y. Central and Hudson R. 
Adams Express Company . 
Pittsfield National Bank . 
Agricultural National Bank 
First National Bank, Adams 



R.R. 



Bonds, etc. 

Par value. 

54,000 00 
6,000 00 
1,500 00 
12,000 00 
10,000 00 
2,900 00 
1,000 00 
1,500 00 



Market value. 

$4,640 00 
7,500 00 
2,400 00 
15,600 00 
13,500 00 
4,205 00 
2,000 00 
1,875 00 



838,900 00 851,720 00 



Securities held as collateral for cash loans: — 

llarket value. Loaned thereon. 

Mortgage assigned §2,500 00 $1,000 00 

Personal loans - 10,800 00 



Summary of Assets Dec. 

Stocks and bonds as per schedule 
Loans on collateral security as per schedule 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 
Interest due and accrued . 

Gross assets .... 

Liabilities 

Losses and claims adjusted, but not due 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated poke 
State and local taxes due or accrued . 
Gross liabilities .... 



Surplus 





311,800 00 


31, 1881. 




$51,720 00 




. 11,800 00 




. 483 97 




. 1,441 59 




472 15 




456 68 






$66,374 39 




. $1,079 54 




. 31,072 18 




150 00 




20 59 






32,322 31 





$34,052 08 



Income. 

Gross cash premiums received during the year, $13,361 32 

Deduct return premiums 992 95 

Net cash premiums received 

Received for interest from all sources 

Received from profit on bonds sold . 

Deposit notes received during the year . §39,977 13 

Gross cash income 



$12,368 37 

3,709 16 

10S 75 



$16,186 28 



1881.] 



INSURANCE COMPANIES. 



11 



Expenditures. 
Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $4,902,101 00 
Risks written during 1881 .... 1,004,622 00 



$5,357 11 

1,320 82 

1,436 80 

134 44 

3,951 04 

250 00 

691 60 

$13,141 81 



Total . 
Risks terminated during 1881 



$5,906,723 00 
1,069,490 00 



Net amount in force Dec. 31, 1881 $4,837,233 00 

Deposit notes received on outstanding risks . . . 178,276 63 
Losses incurred during the year ..... 6,036 65 

Percentage of profits or surplus returned during 1881, 36 per cent. 
Average rate to date, 50 per cent. 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE 

COMPANY, BOSTON. 

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

Edward Atkinson, President. William B. Whiting, Secretary. 

Office, 181 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds 

Phila., Wilmington, and Bait. R.R. bonds . 
Oregon Railway and Navigation Co. bonds, 
Northern Pacific Railroad bonds 



Par value. Market value. 

$300,000 00 $349,500 00 

40,000 00 42,600 00 

20,000 00 21,200 00 

20,000 00 20,000 00 



$380,000 00 $433,300 00 



Summary of Assets Dec. 31, 1881. 



Bonds as per schedule 
Cash in the office of the company 
Cash deposited in bank 
Interest due and accrued . 

Gross assets .... 

Liabilities 

Unearned premiums on outstanding risks 
State and local taxes due or accrued . 
Gross liabilities .... 

Surplus . 



$433,300 00 

10,886 30 

43,820 16 

2,741 66 



$234,146 79 

970 76 



$490,748 12 



235,117 55 
$255,630 57 



12 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year, $498,856 96 
Deduct return premiums .... 27,915 43 

Net cash premiums received . . . 

Received for interest from all sources .... 

Received from all other sources ...... 

Deposit notes received during the year . $2,494,284 80 

Gross cash income ....... 



$470,941 53 

17,033 05 

183 10 



$488,157 68 



Expenditures. 

Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



$176,502 37 

28,497 08 

4,784 19 

211,904 36 

2,350 00 

8,281 ;V7 

$432,319 37 



Miscellaneous. 



Risks outstanding Dec. 31, 18S0 
Risks written during 1S81 . 

Total . 
Risks terminated during 1881 . 



$50,195,020 00 
. 59,322,742 00 



$109,517,762 00 
. 53,613,425 00 



Net amount in force Dec. 31, 1881 . . $55,904,337 00 

Deposit notes received on outstanding risks . . . 2,341,467 90 
Losses incurred during the year ..... 99,621 36 

Percentage of prolits or surplus returned during 1881, 48j 9 9 ^ per cent. 
Average rate to date, 66^ per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 29, 1829. Commenced business July 14, 1829.] 

Jonathan Bourne, President. George N. Alden, Secretary. 

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



Summary of Assets Dec. 31, 1881. 

Cash in the office of the company 

Cash deposited in the Mechanics' National Hank, 

Premiums in course of collection (net) 

Gross assets ...... 



862 49 


487 37 


254 30 



8804 16 



1881.] 



INSURANCE COMPANIES. 



13 



Liabilities. 

Claimed and reported losses not adjusted . 
State and local taxes due or accrued . 

Gross liabilities • . 



. $1,800 00 
5 87 



Income. 

Gross cash premiums received during the year . $3,563 05 
Deduct return premiums . . . . . 62 25 

Net cash premiums received .... 

Keceived from assessments on deposit notes 

Deposit notes received during the year . $70,675 00 

Gross cash income ....... 



.,805 87 



$3,500 80 
64 23 



^3,565 03 



Expenditures. 

Paid for losses during the year . 

for brokerage and commissions . 

for salaries and fees of officers and employes 

for interest on borrowed money . 

for state and local taxes 

for incidental expenses 

Gross cash expenditures 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . «f 

Risks written during 1881 .... 

Total ...... 

Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881, . 
Deposit notes received on outstanding risks 
Losses incurred during the year 



:,536,300 00 
571,016 00 



U,248 


53 


109 


88 


1,866 


66 


12 


71 


40 


18 


246 


82 



$3,524 78 



- $5,107,316 00 
847,650 00 

. $4,259,666 00 

539,483 00 

3,048 53 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 31, 1833. Commenced business Jan. 1, 1834.] 

Josiah W. Cook, President. Alfred L. Barbour, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

l'ar value. Market value. 

5 shares Cambridgeport National Bank . . $500 00 . $750 00 

1 " Fraraingham National Bank . . 100 00 150 00 

15 " National City Bank, Cambridge . 1,500 00 2,250 00 

10 " First Ward National Bank, Boston . 1,000 00 1,200 00 

Cambridge city bonds 11,900 00 12,895 00 

Bath city bonds 5,000 00 5,150 00 

Cincinnati city bonds ..... 6,000 Q0 7,800 00 



14 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Portland city bonds . 

Belfast city bonds 

Bangor city bonds 

Rockland city bonds . 

Marion county (Ind.) bonds 

Eastern Railroad bonds 

Vermont and Massachusetts Railroad bonds 

Personal loans ...... 



Summary of Assets Dec. 
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 
Cash deposited in various banks 
Premiums in course of collection (net) 
Interest due and accrued .... 

Office furniture, etc $2,000 

Gross assets 



Par value. 

$10,000 00 

. 2,000 00 

. 3,000 00 

. 3,000 00 

. 1,000 00 

. 1,500 00 

. 2,000 00 



31, 1881. 

$7,400 00 

30,683 00 

64,340 00 

581 79 

17,902 22 

1,205 47 

2,053 56 



00 



Liabilities. 

Claims for losses disputed or resisted . . . $200 00 

Unearned premiums on outstanding risks . . 39,275 76 

Dividends of profits due on terminated policies, J.83 09 

Gross liabilities 

Surplus 

Income. 

Gross cash premiums received during the year, $19,777 99 
Deduct return premiums ..... 1,067 61 
Net cash premiums received 
Received for interest on mortgages . 

for interest from all other sources 

for rents ..... 
Deposit notes received during the year . $39,500 85 

Gross cash income . 



Expenditures. 
Paid for losses during the year .... 

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 incidental expenses .... 



Gross cash expenditures 



Market value. 

$11,000 00 
2,040 00 
3,345 00 
3,000 00 
1,050 00 
1,650 00 
2,060 00 
10,000 00 



$64,340 00 



$124,166 04 



39,658 85 



$84,507 19 



$18,710 38 


2,411 


45 


3,222 34 


490 


81 


$24,834 98 


$245 


77 


1,750 


28 


3,390 


43 


229 


93 


7,868 36 


550 


00 


1,393 


80 


$15,428 57 



1881.] 



INSURANCE COMPANIES. 



15 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 



$5,222,049 00 
1,511,729 00 



56,733,778 00 
1,395,691 00 



Net amount in force Dec. 31, 1881 $5,338,087 00 

Deposit notes received on outstanding risks . . . 78,551 53 

Losses incurred during the year 245 77 

Percentage of profits or surplus returned during 1881, 40 and 50 per cent. 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 7, 1846. Commenced business Oct. 5, 1846.] 

Henry C. Bigelow, President. Joseph W. Peabody, Secretary. 

Office, 8 Exchange Place. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

30 shares Hide and Leather National Bank . $3,000 00 $3,420 00 



Securities held as collateral for cash loans: — 

Marietta and North Georgia Railroad 
Loaned on personal security 



Market value. 

$25,500 00 



Summary of Assets Dec. 31, 1881. 



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' 
Cash deposited in bank .... 
Premiums in course of collection (net) 
Interest due and accrued .... 
Gross assets 



$71,275 00 

78,800 00 

3,420 00 

38,575 00 

427 91 

40,805 32 

4,102 12 

2,626 90 



Loaned thereon. 

$15,000 00 
23,575 00 

$38,575 00 



$240,032 25 



Liabilities. 

Claimed and reported losses not adjusted . . $1,300 00 

Unearned premiums on outstanding risks . 144,344 88 

Gross liabilities 



145,644 88 



Surplus 



$94,387 37 



16 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Income. 

Gross cash premiums received during the year, $62,535 78 
Deduct return premiums ..... 2,933 86 
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 



$125,071 56 



Expenditures. 
Paid for losses during the year .... 

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 incidental expenses .... 

for repairs on real estate .... 

Gross cash expenditures .... 

Miscellaneous . 

Risks outstanding Dec. 31, 1880 . . $20,30-1,501 00 
Risks written during 1881 .... 4,720,358 00 



$59,601 92 
4,986 48 
3,731 33 
2,919 48 

$71,239 21 



$11,715 77 
8,950 65 
6,374 42 
1,821 06 
27,679 80 
806 00 
1,343 34 
1,299 15 



$59,990 19 



Total . 
Risks terminated during 1881 



425,024,859 00 
. 4,447,419 00 



Net amount in force Dec. 31, 1881 .... $20,577,44000 
Deposit notes received on outstanding risks . . . 511,309 31 

Losses incurred during the year 12,380 77 

Percentage of profits or surplus returned during 1881, 40, 50, and 70 per 
cent. 



COHASSET MUTUAL FIRE INSURANCE COMPANY, 

COHASSET. 

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

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



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

3 shares Merchants' National Bank . . . $300 00 
9 shares City National Bank . . . . 900 00 



$1,200 00 

Summary of Assets Dec. 31, 1881. 

Stocks as per schedule $1,557 00 

Cash deposited in savings banks . . . 1,427 13 



Market value. 

$438 00 
1,119 00 

$1,557 00 



1881.] 



INSURANCE COMPANIES. 



17 



Interest due and accrued 
Office furniture and safe 
Gross assets 



$15 00 



$120 00 



Liabilities. 

Unearned premiums on outstanding risks . . $2,955 04 
Gross liabilities ...... 

Surplus 

Income. 

Cash premiums received during the year . 
Received for interest from all sources 
Received from policy fees .... 
Deposit notes received during the year 

Gross cash income .... 



Expenditures. 

Paid for losses during the year .... 
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 incidental expenses .... 



Gross cash expenditures 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $371,545 00 

Risks written during 1881 97,257 00 

Total ...... 

Risks terminated during 1881 . 



$2,999 13 



2,955 04 

$44 09 



. 


$1,517 14 


. . . 


170 57 


... 


114 00 


. $5,855 76 




• • • 


$1,801 71 



^1,807 


50 


117 


92 


358 35 


13 


96 


592 


54 


40 


00 


36 20 



$2,966 47 



$468,802 00 
98,939 00 



Net amount in force Dec. 31, 1881 $369,863 00 

Deposit notes received on outstanding risks . . . 23,640 32 
Losses incurred during the year ..... 1,457 50 

Percentage of profits or surplus returned during 1881, 10, 20, and 40 per 

cent. 
Average rate to date, 50 per cent. 

3 



18 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL IN- 
SURANCE COMPANY OF NEW ENGLAND, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 

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

Office, No. 131 Devonshire Street. 



Detailed Statement of Stocks, Bonds, etc. 



Fitchburg Railroad bonds . 
District of Columbia bonds 
Boston city bonds 



Par value. 

810,000 00 
. 4,350 00 
. 2,000 00 



$22,350 00 

Summary of Assets Dec. 31, 1881. 

Bonds as per schedule .... $24,924 50 

Corporation notes ...... 10,043 05 

Cash in the office of the company . . . 411 30 

Cash deposited in bank 5,791 21 

Premiums in course of collection (net) . . 2,549 96 

Miscellaneous 70 00 

Gross assets 

Liabilities. 

Unearned premiums on outstanding risks . $18,851 75 

State and local taxes due or accrued . . . 102 19 

Gross liabilities 



Surplus 



Income. 

Gross cash premiums received during the year, $37,703 50 

Deduct return premiums 1,518 94 

Net cash premiums received 
Received for interest from all sources 
Received for rents .... 
Deposit notes received during the year 



Gross cash income 



$1S5,008 60 



Expenditures. 
Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



Market value. 

$18,120 00 
4,654 50 
2,150 00 

$24,924 50 



$43,790 08 



18,953 94 
$24,836 14 



$36,184 56 


1,066 


16 


237 


50 


$37,488 22 


S550 


09 


4,146 


25 


314 21 


10,352 


76 


700 


00 


2,196 


37 


$18,259 68 



1881.] INSURANCE COMPANIES. 19 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $2,714,748 00 
Risks written during 1881 .... 3,702,874 00 

Total $6,417,622 00 

Risks terminated during 1881 2,570,518 00 

Net amount in force Dec. 31, 1881 $3,847,104 00 

Deposit notes received on outstanding risks . . . 185,008 60 
Losses incurred during the year ...... 550 09 

Percentage of profits or surplus returned during 1881, 40 per cent. 



. $6,000 00 


$6,840 00 


. 2,000 00 


2,400 00 


. 6,000 00 


7,800 00 


. 6,000 00 


6,300 00 


. 5,000 00 


6,250 00 


. 8,000 00 


9,440 00 


. 2,000 00 


2,330 00 


. 7,000 00 


7,630 00 


. 1,200 00 


1,440 00 


. 2,000 00 


2,000 00 


$45,200 00 


$52,430 00 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

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

George B. Faunce, President. Elijah Howe, Jun., Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds 

Chicago city sewerage bonds 
Cincinnati city bonds .... 

New England mortgage security bonds 
Philadelphia and Reading Railroad bonds 
Marquette and Ontonagon Railroad bonds 
Old Colony Railroad bonds 
Union Pacific Railroad bonds 
12 shares Dedham National Bank 
20 shares Dedham Water Company . 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens), $15,100 00 
Stocks and bonds as per schedule . . . 52,430 00 
Cash in the office of the company . . . 1,296 37 
Cash deposited in the Dedham National Bank . 5,271 25 
Premiums in course of collection (net) . . 981 17 

Interest due and accrued 1,274 81 

Gross assets $76,353 60 

Liabilities. 

Losses and claims adjusted, but not due . . $4 00 
Unearned premiums on outstanding risks . . 12,502 55 
Return premiums on cancelled policies . . 97 20 
Dividends of profits due on terminated policies, 1,806 09 

Salaries 375 00 

Gross liabilities 14,784 84 

Surplus $61,568 76 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 
Gross cash premiums received during the year 
Received for interest on mortgages . 
Received for interest from all other sources 
Deposit notes received during the year 

Gross cash income .... 



816,914 18 



Expenditures. 
Paid for losses during the year .... 

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 incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $1,388,409 00 
Risks written during 1881 .... 560,136 00 



18,375 13 

1,231 53 
2,714 40 



$12,321 


12 


$3,121 


18 


1,217 


75 


1,350 


88 


98 


14 


2,936 48 


100 


00 


138 26 



$8,962 69 



Total . 
Risks terminated during 1881 



$1,948,545 00 
439,937 00 



Net amount in force Dec. 31, 1881 $1,508,608 00 

Deposit notes received on outstanding risks . . . 49,750 00 
Losses incurred during the year . . . . . 2,375 18 

Percentage of profits or surplus returned during 1881, 33^ to 50 per ceut. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1S55. Commenced business July 2, 1S56.] 

Edmund J. Barer, President. William F. Temple, Secretary. 



Detailed Statement of Stocks 



United States bonds . 
Old Colony Railroad bonds 
Boston and Lowell Railroad bonds 
Boston city bonds 

50 shares Blue Hill National Bank 

20 

20 

12 

10 

30 
213 
140 



Howard National Bank 
Continental National Bank 
Hide and Leather National Bank 
New England National Bank . 
Columbian National Bank 
Boston and Albany Railroad 
Old Colony Railroad . 



, Bonds, etc. 

Tar value. 

$25,000 00 
. 6,000 00 
. 5,000 00 
. 5,000 00 
. 5,000 00 
. 2,000 00 
. 2,000 00 
. 1,200 00 
. 1,000 00 
. 3,000 00 
. 21,300 00 
. 14,000 00 



Market value. 

$28,825 00 
7,080 00 
5,800 00 
5,200 00 
5,750 00 
2,560 00 
2,560 00 
1,416 00 
1,420 00 
4.200 00 
34,932 00 
17,500 00 



$90,500 00 $117,243 00 



1881.] 



INSURANCE COMPANIES. 



21 



Summary op Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $21,000 00 
Loans on mortgage of real estate (first liens) . 21,753 17 
Stocks, bonds, etc., as per schedule . . 117,243 00 

Cash deposited in bank 26,764 69 

Premiums in course of collection (net) . • 7,868 72 
Interest due and accrued ..... 3,143 22 

Office furniture 81,000 00 

Gross assets .... 



Liabilities 

Losses and claims adjusted, but not due 
Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Gross liabilities .... 

Surplus .... 



$2,117 38 

1,000 00 

79,372 34 



$197,772 80 



82,489 72 
$115,283 08 



Income. 
Gross cash premiums received during the year, $44,877 01 

Deduct return premiums 929 21 

Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

for rents 

Deposit notes received during the year . $44,877 01 



Gross cash income 



Expenditures. 



Paid for losses during the year . 

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 incidental expenses 
for repairs on real estate . 



Gross cash expenditures 



Miscellaneous . 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total .... 
Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 



$9,917,530 00 
3,041,360 00 



$43,947 80 
1,058 97 
6,734 44 

783 81 



$52,525 02 



$13,444 47 

7,119 97 

4,983 92 

271 67 

745 76 

18,003 43 

300 00 

807 23 

126 86 

$45,803 31 



-$12,958,890 00 
. 3,108,444 00 

. $9,850,446 00 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Deposit notes received on outstanding risks . . . $158,771 81 

Losses incurred during the year 11,191 85 

Percentage of profits or surplus returned during 1881, 20, 30, and 50 per 

cent. 
Average rate to date, 41 £ per cent. 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 

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

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Toledo city bonds $2,000 00 $2,170 00 

Chicago city bonds 2,000 00 2,260 00 

Cleveland city bonds 2,000 00 2,290 00 

Cincinnati city bonds 2,000 00 2,330 00 

Springfield city bonds 1,000 00 1,350 00 

Newburyport city bonds 1,000 00 1,150 00 

Fall River city bonds 1,000 00 1,200 00 

Portland city bonds 1,000 00 1,050 00 

Brooklyn city bonds 1,000 00 1,180 00 

St. Louis city bonds 1,000 00 1,150 00 

Concord city bonds 1,000 00 1,150 00 

Louisville city bonds J, 000 00 1,040 00 

Medford town bonds 1,000 00 1,100 00 

St. Louis county bonds 1,000 00 1,150 00 

Northern Pacific Railroad bonds . . . 2,000 00 1,980 00 

Old Colony Railroad bonds .... 2,000 00 2,400 00 

Eastern Railroad bonds 2,000 00 2,120 00 

Essex Railroad bonds 1,500 00 1,552 50 

Boston and Lowell Railroad bonds . . . 1,000 00 1,120 00 

Michigan Central Railroad bonds . . . 1,000 00 1,120 00 

Chicago, Burlington, and Quincy R.R. bonds . 2,000 00 2,300 00 

United States bonds 500 00 500 00 

20 shares Salem Gas- Light Company . . 2,000 00 1,980 00 

16 " Lynn Gas-Light Company . . . 1,600 00 1,328 00 

15 " Cambridge Railroad Company . . 1,500 00 1,800 00 

14 " Salem National Bank . . . . 1,400 00 1,6S0 00 

11 " Asiatic National Bank . . .330 00 495 00 

$40,945 50 



$36,S30 00 

Summary of Assets Dec. 31, 1881. 
Stocks and bonds as per schedule . . $40,945 50 



Cash in the office of the company 
Premiums in course of collection (net) 
Interest due and accrued . 

Gross assets .... 



170 93 
280 88 
720 42 



$42,117 73 



1881.] 



INSURANCE COMPANIES. 



23 



Liabilities 

Losses and claims adjusted, but not due 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated pehcies 
State and local taxes due or accrued . 
Salaries and incidental expenses 

Gross liabilities .... 

Surplus .... 

Income. 

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

Gross cash income 



Expenditures. 
Paid for losses during the year .... 
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 incidental expenses «... 

Gross cash expenditures .... 



$1,253 86 

8,061 76 

349 58 

8 48 

253 57 


$9,927 25 




$2,998 70 
159 14 


$32,190 48 

$2,839 56 
2,206 85 


$8,996 10 



$5,046 41 



$6 20 


28 87 


837 00 


21 73 


2,952 05 


37 61 



1,883 46 



Miscellaneous. 
Risks outstanding Dec. 31, 1S80 . . $842,500 00 
Risks written during 1881 .... 154,925 00 

Total $997,425 00 

Risks terminated during 1881 174,975 00 



Net amount in force Dec. 31, 1881 $822,450 00 

Deposit notes received on outstanding risks . . . 48,370 56 
Losses incurred during the year ..... 1,260 06 

Percentage of profits or surplus returned during 1881, 75 per cent. 
Average rate to date, 60 per cent. 



24 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FALL RIVER MANUFACTURERS' MUTUAL FIRE INSUR- 
ANCE COMPANY, FALL RIVER. 

[Incorporated Feb. 17, 1S70. Commenced business May 1, 1870.] 

Stephen Da vol, President. Isaac B. Chace, Secretary. 



Detailed Stateme 



Old Colony Railroad bonds 
Fall River city bonds 
Worcester city bonds 
Lawrence city bonds 
Boston city bonds 
Taunton city bonds 
United States bonds 
Corporation notes 



nt of Stocks, Bonds, etc. 

Tar value. 

810,000 00 
. 6,000 00 
. 1,000 00 
. 5,000 00 
. 5,000 00 
. 10,000 00 
. 30,000 00 



Summary of Assets Dec. 31, 1881. 

Stocks, bonds, etc., as per schedule . . $114,230 00 
Cash in the office of the company . . . 670 68 
Cash deposited in banks ..... 25,S93 41 
Premiums in course of collection (net) . . 1,664 2S 

Interest due and accrued 1,357 85 

Office furniture $500 00 

Gross assets 



Market value. 

812,500 00 

7,140 00 

1,190 00 

5,950 00 

6,150 00 

11,500 00 

34,800 00 

35,000 00 

8114,230 00 



$143,816 25 



Liabilities. 

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

Gross liabilities 



Surplus 



Income. 



§56,267 41 
. 246 93 



Gross cash premiums received during the year, 8121, S15 64 
Deduct return premiums ..... 7,721 61 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $609,078 20 

Gross cash income 



56,514 34 
887,301 91 



$114,094 03 
4,S61 48 

$118,955 51 



Expenditures. 

Paid for losses during the year .... 
for salaries and fees of officers and employes 
for state and local taxes .... 



825.6S1 39 
4.S18 33 
1,092 45 



1881.] 



INSURANCE COMPANIES. 



25 



Paid for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



Gross cash expenditures 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 . 



. $10,139,775 00 
. 12,995,874 00 



$52,557 51 

299 00 

1,003 25 

$85,451 93 



. $23,135,649 00 

10,932,788 00 

Net amount in force Dec. 31, 1881 .... $12,202,861 00 
Deposit notes received on outstanding risks . . . 562,674 00 

Losses incurred during the year 4,709 87 

Percentage of profits or surplus returned during 1881, 53 j 7 ^- per cent. 
Average rate to date, 50 i 3 q 8 5 - per cent. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

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

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



Detailed Statement of Stocks, Bonds, etc. 



10 shares Safety Fund National Bank 
8 shares Lancaster National Bank 
Agricultural Branch Railroad bonds . 
Boston city bonds .... 



Par value. 

. $1,000 00 

800 00 

. 6,000 00 

. 17,000 00 



Market value. 

$1,150 00 
1,000 00 
6,300 00 

17,510 00 



$24,800 00 $25,960 00 



Securities held as collateral for cash loans: — 

80 shares Wakefield Rattan Company 

70 shares Lowell and Framingham Railroad 

Northern Pacific Railroad bond 

2 shares Putnam Machine Company . 

90 shares Simonds Manufacturing Company 

Personal loans . . . 



Market value. 

$12,000 00 

2,100 00 

1,050 00 

2,000 00 

13,500 00 



Loaned thereon. 

$8,000 00 

3,200 00 

1,000 00 

1,000 00 

7,100 00 

60,885 50 



,185 50 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $32,895 00 

Loans on mortgage of real estate (first liens) . 90,755 72 

Stocks, bonds, etc., as per schedule . . .25,960 00 

Loans on collateral security as per schedule . 81,185 50 

4 



26 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 
Interest due and accrued . 

Gross assets .... 

Liabilities 

Claimed and reported losses not adjusted 
Unearned premiums on outstanding risks 
Dividends of profits due on terminated pol 
State and local taxes due or accrued . 
Rents, salaries, and incidental expenses 
Gross liabilities .... 

Surplus .... 

Income. 
Cash premiums received during the year 
Received for interest from all sources 
Deposit notes received during the year 

Gross cash income 



. $159 56 
. 7,941 88 
. 3,G56 52 
. 3,518 73 


$246,072 91 
116,691 86 


3. 

$50 00 

114,520 34 

icies . 1,531 43 

288 74 

301 35 




• • • • 

$76,987 70 


$129,381 05 

$77,208 88 
17,738 38 



,947 26 



Expenditures. 

Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 



$37,702 88 

11,126 41 

4,000 00 

741 94 

28,533 31 

600 00 

1,773 34 

,477 88 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $14,705,345 00 
Risks written during 1881 . . . 5,403,619 00 



Total . 
Risks terminated during 1881 



-$20,108,964 00 
. 4,638,197 00 



Net amount in force Dec. 31, 1881 .... $15,470,767 00 

Deposit notes received on outstanding risks . . . 229,040 67 

Losses incurred during the year 36,052 88 

Percentage of profits or surplus returned during 1881, 20, 25, and 50 per 
cent. 



1881.] 



INSURANCE COMPANIES. 



27 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 12, 1829.] 

Rufus Hoavland, President. Gorham D. Williams, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
50 shares Greenfield Gas-Light Company 
17 shares Shelburne Falls National Bank 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens) 
Stocks and bonds as per schedule 
Loans on personal security 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 
Interest accrued ..... 

Office furniture $500 

Gross assets 



Par value. 


Market value. 


$12,000 00 


$13,800 00 


. 2,500 00 


2,500 00 


. 1,700 00 


2,380 00 


$16,200 00 


$18,680 00 


11, 1881. 




. $500 00 




. 18,680 00 




339 27 




28 31 




. 5,031 18 




. 1,378 92 




167 72 

A 




u 


$26,125 40 



Liabilities. 
Losses and claims adjusted, but not due . 
Claimed and reported losses not adjusted . 
Owing for borrowed money 
Unearned premiums on outstanding risks . 
Return premiums on cancelled policies 
State and local taxes due or accrued . 
Salaries and incidental expenses 

Gross liabilities ..... 



Surplus 



$1,282 32 

800 00 

2,500 00 

14,754 32 

315 85 

8 35 

420 00 



Income. 

Gross cash premiums received during the year . $6,321 98 
Deduct return premiums . . ' . . . 350 72 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $17,913 78 

Gross cash income 

Expenditures. 
Paid for losses during the year ...... 

for brokerage and commissions ..... 

for salaries and fees of officers and employes 



20,110 84 
$6,014 56 



$5,971 26 
669 36 



5,640 62 



$3,864 02 
633 43 
608 00 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Paid for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ........ 

for incidental expenses .... 

Gross cash expenditures .... 



$65 48 

2,033 83 

150 00 

388 58 

£7,743 34 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . . . . 
Risks terminated during 1881 . 



$2,700,835 00 
479,957 00 



$3,180,792 00 
715,333 00 



]S T et amount in force Dec. 31, 1881 $2,465,459 00 

Deposit notes received on outstanding risks . . . 60,839 80 

Losses incurred during the year 5,880 09 

Percentage of profits or surplus returned during 1881, 25 and 40 per cent. 



GRANBY MUTUAL FIRE INSURANCE COMPANY, GRANBY. 

[Incorporated Aug. 31, 1877. Commenced business Aug. 31, 1877.] 

S. M. Cook, President. C. E. Hunt, Secretary. 

[Note. — Insures property in the town of Granby only.] 

Summary of Assets Dec. 31, 1881. 
Cash in the office of the company . . . $41 11 



Premiums in course of collection (net) 
Net amount of unpaid assessments . 
Gross assets .... 

Income. 

Cash premiums received during the year 
Received for interest from all sources 
Deposit notes received during the year 

Gross cash income 



12 25 

5 82 



. $766 35 



$59 18 



$94 84 
31 81 



$126 65 



Expenditures. 

Paid for losses during the year .... 
for salaries and fees of officers and employes 
for state and local taxes .... 
for incidental expenses .... 

Gross cash expenditures .... 



51,063 


00 


15 


00 


3 


54 




55 



$1,082 09 



1881.] 



INSURANCE COMPANIES. 



29 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . 885.220 00 

Risks written during 1881 17,030 00 

Total 8102,250 00 

Risks terminated during 1S81 28,998 00 

Net amount in force Dec. 31, 1881 $73,252 00 

Deposit notes received on outstanding risks . . . 3,034 00 

Losses incurred during the year ..... 1,063 00 

Assessments laid on deposit notes 2G2 33 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVEL AND. 

[Incorporated March 28, 182S. Commenced business March 28, 1828.] 

Moses Foster, President. N. H. Griffith, Secretary. 

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



Summary of Assets Dec. 31, 1881. 

Cash in the office of the company . . . $13 60 
Gross assets ...... 



$13 60 



Liabilities. 

Owing for borrowed money, secured by treas- 
urer's note ....... 81,375 00 

Gross liabilities 



$1,375 00 



Income. 

Received from assessments on deposit notes 
Received from policy fees .... 

Gross cash income .... 



$186 79 
298 00 

$784 79 



Expenditures. 

Paid for losses during the year .... 
for salaries and fees of officers and employes 
for interest on borrowed money . 
for state and local taxes .... 
for rents 



Gross cash expenditures 



$102 


50 


625 


45 


75 


26 


4 94 


25 


00 



$833 15 



30 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $1,368,149 00 
Risks written during 1881 .... 280,585 00 

Total $1,648,734 00 

Risks terminated during 1881 236,995 00 



Net amount in force Dec. 31, 1881 $1,411,739 00 

Deposit notes received on outstanding risks . . . 80,403 28 

Losses incurred during the year 102 50 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

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

George W. Hubbard, President. Oliver Walker, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

53 shares Connecticut River Railroad 
20 shares Northampton National Bank 
United States bonds ..... 
Kansas Pacific Railroad consols 

$20,300 00 $25,475 00 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens), $14,918 97 
Stocks and bonds as per schedule . . . 25,475 00 
Cash in the office of the company . . . 158 16 
Cash deposited in Northampton National Bank . 11,287 01 

Interest accrued 404 76 

Furniture and safes .... $500 00 

Gross assets $52,243 90 



Par value. 


Market value. 


. $5,300 00 


$8,745 00 


. 2,000 00 


3,500 00 


. 8,000 00 


8,080 00 


. 5,000 00 


5,150 00 



Liabilities. 

Claimed and reported losses not adjusted . 
Unearned premiums on outstanding risks . 
Dividends of profits due on terminated policies 
State and local taxes due or accrued . 

Gross liabilities 



Surplus 



$1,300 00 

22,287 80 

70 96 

18 57 



23,677 33 
$28,566 57 



Income. 



Gross cash premiums received during the year . $8,487 88 
Deduct return premiums ..... 432 56 
Net cash premiums received .... $8,055 32 



1881.] 



INSURANCE COMPANIES. 



31 



Received for interest on mortgages 
Received for interest from all other sources 
Deposit notes received during the year 

Gross cash income .... 



#25,463 64 



$704 54 
1,752 73 

,512 59 



Expenditures. 

Paid for losses during the year .... 

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 incidental expenses .... 



Gross cash expenditures 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . . . . 
Risks terminated during 1881 . 



$3,261,554 00 
691,968 00 



$5,878 93 

562 22 

1,468 00 

73 30 

3,050 20 

150 00 

389 79 

$11,572 44 



$3,953,522 00 
593,640 00 



Net amount in force Dec. 31, 1881 $3,359,882 00 

Deposit notes received on outstanding risks . . . 129,452 47 
Losses incurred during the year ..... 7,178 93 

Percentage of profits or surplus returned during 1881, 40 per cent. 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, 

HINGHAM. 

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

Amos Bates, President. Henry W. Cushing, Secretary. 



Detailed Statement of 



United States bonds . 

Rhode Island state bonds, 6s 

Maine state bonds, 6s 

Portland city bonds, 6s 

Plymouth water scrip 

57 shares Hingham National Bank 

60 

15 

10 

19 

29 



Old Colony National Bank 
Abington National Bank 
Globe National Bank . 
Hamilton National Bank 
Eagle National Bank . 



Stocks, Bonds, etc. 

Par value. 

$10,000 00 
. 3,000 00 
. 11,000 00 
. 3,000 00 
. 4,000 00 
. 3,990 00 
. 6,000 00 
. 1,500 00 
. 1,000 00 
. 1,900 00 
. 2,900 00 



Market value. 

$11,450 00 
3,750 00 
12,705 00 
3,420 00 
4,000 00 
3,990 00 
8,100 00 
2,100 00 
1,110 00 
2,180 25 
3,451 00 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



12 shares Union National Bank . 

34 » State National Bank . 

26 " North America National Bank 

11 " Commerce National Bank . 

45 " "Webster National Bank 

92 " Old Colony Railroad . 

76 " Boston and Albany Railroad 

Boston and Albany Railroad bonds, 7s 

Boston and Lowell Railroad bonds, 7s 

Boston and Maine Railroad bonds, 7s 

Eastern Railroad bonds 

Hingham "Water Company 



Par value. 

$1,200 00 
3,400 00 
2,600 00 
1,100 00 
4,500 00 
9,200 00 
7,000 00 
5,000 00 
10,000 00 
10,000 00 
5,000 00 
5,000 00 



Market value. 

$1,800 00 

4,320 50 

2,938 00 

1,419 00 

5,040 00 

11,500 00 

12,464 00 

6,300 00 

12,200 00 

12,600 00 

5,287 50 

5,000 00 



$112, S90 00 $137,131 25 



Securities held as collateral for cash loans : — 

43 shares Hingham National Bank 

Hull town note 



Market value. Loaned thereon. 

. $3,010 oo ;,ooo oo 

3,500 00 



$6,500 00 



Summary of Assets Dec. 31, 1SS1. 

Cash value of unencumbered real estate . . $9,500 00 

Loans on mortgage of real estate (first liens), 140,700 00 

Stocks, bonds, etc., as per schedule . . 137,131 25 

Loans on collateral security as per schedule . 6,500 00 

Cash in the office of the company . . . 87 32 

Cash deposited in various banks . . . 27,564 78 

Premiums in course of collection (net) . . 256 53 

Interest due and accrued 8,012 70 

Gross assets ...... 

Liabilities. 
Unearned premiums on outstanding risks . $1S5,211 S5 
State and local taxes due or accrued . . . 83 34 

Salaries 106 00 

Gross liabilities . 

Surplus 

Income. 

Cash premiums received during the year . 
Received for interest on mortgages . 

for interest from all other sources 

for rents ..... 

from all other sources . 
Deposit notes received during the year . $104,624 67 

Gross cash income 



$329,752 58 



185,401 19 
$144,351 39 



$53,238 34 

8,802 94 

7.7±3 48 

423 00 

204 00 



$70,416 76 



1881.] INSURANCE COMPANIES. 33 



Expenditures. 

Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 



$27,055 02 

6,269 28 

3,598 39 

643 97 

34,299 78 

960 87 

$72,827 31 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $21,128,524 00 
Risks written during 1881 .... 3,225,601 00 

Total $24,354,125 00 

Risks terminated during 1881 3,090,589 00 

Net amount in force Dec. 31, 1881 .... $21,263,536 00 
Deposit notes received on outstanding risks . . . 735,404 20 
Losses incurred during the year ..... 21,956 16 

Percentage of profits or surplus returned during 1881, 65 per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

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

James C. Abbott, President. Charles W. Drew, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston and Lowell Railroad bonds . . . $4,000 00 $4,480 00 

Lowell and Lawrence Railroad bonds . . 4,000 00 4,320 00 

Boston, Concord, and Montreal R.R. bonds . 6,000 00 6,540 00 

Lyon county (Kan.) bond 1,000 00 1,000 00 

Edwardsville town (111.) bond .... 1,00000 1,00000 

9 shares Lowell Manufacturing Company . 6,210 00 6,525 00 

5 m Massachusetts Cotton Mills . . 5,000 00 7,000 00 

5 " Appleton Company .... 5,000 00 6,000 00 
2 " Merrimack Manufacturing Company . 2,000 00 3,700 00 
8 " Franklin Company . . . 800 00 920 00 

30 " Hill Manufacturing Company . . 3,000 00 3,150 00 

29 " Vermont and Canada Railroad . . 2,900 00 435 00 

6 " Vermont and Massachusetts Railroad . 600 00 810 00 



$41,510 00 $45,880 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $15,150 00 
Stocks, bonds, etc., as per schedule . . . 45,880 00 
Cash deposited in various banks . . . 3,737 22 

5 



34 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Premiums in course of collection (net) 
Interest due and accrued . 
Office furniture ..... 
Gross assets .... 



$976 84 
1,090 72 



$145 00 



$7,784 52 
201 65 



Liabilities. 
Unearned premiums on outstanding risks . $12,903 95 
Gross liabilities 

Surplus 

Income. 
Gross cash premiums received during the year 
Deduct return premiums .... 
Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

for rents ..... 
Deposit notes received during the year . $16,761 02 

Gross cash income 



Expenditures. 
Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



$66,834 78 



12,903 95 
$53,930 83 



$7,581 87 

914 84 

1,981 68 

150 00 



$10,628 39 



$1,187 51 

2,787 43 

75 57 

3,524 89 

375 00 

482 64 

$8,433 04 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $1,973,363 00 
Risks written during 1881 .... 787,520 00 



Total . 
Risks terminated during 1881 



$2,760,888 00 
696,833 00 



Net amount in force Dec. 31, 1881 $2,064,055 00 

Deposit notes received on outstanding risks . . . 51,615 82 

Losses incurred during the year . . . . . 1,187 51 

Percentage of profits or surplus returned during 1881, 40 and 50 per cent. 



1881.] 



INSURANCE COMPANIES. 



35 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

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

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



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

52 shares First National Bank, Lynn . . $5,200 00 

20 " National City Bank, Lynn . . . 2,000 00 

5 " Central National Bank, Lynn . . 500 00 

10 " Merchants' National Bank, Boston . 1,000 00 

Somerville city bond 5,000 00 

Chicago city bonds 3,000 00 

Cambridge city bonds 2,000 00 

St. Louis city bonds 2,000 00 

Charlestown city bonds ..... 2,000 00 

Lynn city bond . . . . . . . 1,000 00 

Burlington city bond ...... 500 00 

Cedar Rapids and Missouri River R.R. bond . 4,000 00 

Revere Beach Railroad bond .... 2,000 00 

Ind'polis, Decatur, and Springfield R.R. bond . 1,000 00 

01] io and West Virginia Railroad bond . . 1,000 00 

Chicago, Milwaukee, and St. Paul R.R. bond . 1,000 00 

Southern Pacific Railroad bond . . . 500 00 

Atchison, Topeka, and Santa Fe Railroad bond . 1,000 00 

Atlantic and Pacific Railroad bond . . . 2,000 00 

United States bonds 2,000 00 

Personal loan ....... 



Market value. 

$6,500 00 
3,300 00 

735 00 
1,450 00 
5,350 00 
3,300 00 
2,120 00 
2,120 00 
2,000 00 
1,000 00 

525 00 
4,640 00 
2,320 00 
1,050 00 
1,080 00 
1,100 00 

500 00 
1,000 00 
1,920 00 
2,300 00 
1,000 00 

$45,310 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens) . $9,100 00 
Stocks, bonds, etc., as per schedule . . . 45,310 00 
Cash in the office of the company . . . 222 65 
Cash deposited in various banks . . . 2,993 65 

Interest due and accrued ..... 1,001 10 

Office furniture $400 00 

Gross assets •. . . . . . 



$58,627 40 



Liabilities. 

Unearned premiums on outstanding risks . $21,883 54 

Dividends of profits due on terminated policies . 194 70 

Gross liabilities ...... 



22,078 24 



Surplus 



$36,549 16 



36 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Gross cash premiums received during the year 
Deduct return premiums .... 
Net cash premiums received 
Received for interest on mortgages . 

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

Gross cash income .... 



Expenditures. 
Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



. $3,979 28 




240 06 






$3,739 22 




• . . 


585 34 


. 


2,381 00 


. . . 


221 00 


$15,907 12 





Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1881 . . $1,498,434 00 
Risks written during 1881 .... 288,025 00 



$6,926 56 



56 


06 


1,300 00 


37 


38 


2,631 


05 


175 


00 


207 


79 



$4,707 28 



Total . 
Risks terminated during 1881 



$1,786,459 00 
313,650 00 



Net amount in force Dec. 31, 1881 $1,472,809 00 

Deposit notes received on outstanding risks . . . 82,036 79 

Losses incurred during the year ..... 356 06 

Percentage of profits or surplus returned during 1881, 60 per cent. 
Average rate to date, 75 per cent. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

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

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



Detailed Statement of Stocks, Bonds, etc. 



Worcester and Nashua Railroad bonds 
Providence and Worcester Railroad bonds 
Lawrence city bonds .... 
20 shares Central National Bank 
25 '* Wachusett National Bank . 
20 " Westminster National Bank 
13 " Mechanics' National Bank 
6 " Quinsigamond National Bank 



Par value. 

$20,000 00 

25,000 00 

20,000 00 

2,000 00 

2,500 00 

2,000 00 

1,300 00 

600 00 



Market value. 

$20,000 00 

29,000 00 

20,000 00 

2,700 00 

4,375 00 

2,000 00 

1,495 00 

690 00 



$73,400 00 $80,260 00 



1881.] INSURANCE COMPANIES. 

Securities held as collateral for cash loans : — 



10 shares Worcester and Nashua Railroad 
5 shares Worcester Safe Deposit and Trust 
Personal loans ..... 



* ' ? 

: Company, >■ 

. . • y 



37 

Loaned thereon . 

$6,500 00 



Summary of Assets Dec. 31, 1881. 



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 
Cash deposited in bank .... 

Premiums iti course of collection (net) 
Interest due and accrued .... 

Bills receivable ...... 

Gross assets 



$50,000 00 

4,000 00 

80,260 00 

6,500 00 

423 62 

80,948 88 

3,403 72 

1,000 00 

202 23 



$226,738 45 



Liabilities. 

Unearned premiums on outstanding risks . $99,479 08 
Dividends of profits due on terminated policies . 2,000 00 



Gross liabilities 
Surplus 



101,479 08 
$125,259 37 



Income. 

Gross cash premiums received during the year, $54,287 68 

Deduct return premiums 1,644 72 

Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

for rents .... 
Deposit notes received during the year . $53,986 91 

Gross cash income 



$52,642 96 

180 00 

7,776 44 

2,558 50 

$63,157 90 



Expenditures. 

Paid for losses during the year .... 

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 incidental expenses .... 

for repairs 



Gross cash expenditures 



$14,02o 24 
7,<*55 84 
6,409 00 
1,068 81 
22,374 45 
1,500 00 
2,506 26 
1,793 07 

$57,132 67 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $14,002,814 00 
Risks written during 1881 .... 4,097,148 00 

Total 

Risks terminated during 1881 



-$18,099,962 00 
. 4,124,242 00 



Net amount in force Dec. 31, 1881 .... $13,975,720 00 

Deposit notes received on outstanding risks . . . 198,958 16 

Losses incurred during the year 14,025 24 

Percentage of profits or surplus returned during 1881, 20, 30, and 50 
per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business April 1, 1828.] 

William S. Jenkins, President. Joseph A. Smart, Secretary. 

Detailed Statement of 

United States bonds, 6s 

Maine state bonds 

Cleveland city bonds . 

Albany city bonds 

Chicago city water bonds 

St. Louis city bonds . 

Cincinnati city bonds 

Charlestown city bonds 

Norwich city bonds . 

Fall River city bonds 

Lynn city bonds 

Northampton town bonds 

Boston and Maine Railroad bonds 

Boston and Providence Railroad bonds 

Boston and Lowell Railroad bonds 

Old Colony Railroad bonds 

Chicago, Burlington, and Quincy R.R. 

Atchison, Topeka, and Santa Fe R.R. 

Pullman Palace Car Company bonds . 



Summary of Assets Dec 
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 .... 



Stocks, Bonds, etc. 




Par value. 


Market valne. 




$27,000 00 


$35,010 00 






. 6,000 00 


6,900 00 






. 9,000 00 


9,335 00 






. 10,000 00 


11,200 00 






. 12,000 00 


14,160 00 






. 6,000 00 


6,420 00 






. 9,000 00 


11,520 00 






. 5,000 00 


5,800 00 






. 5,000 00 


6,250 00 






. 10,0(30 00 


11,600 00 






. 5,000 00 


5,700 00 






. 5,000 00 


5.750 00 






. 10,000 00 


12,500 00 






. 5,000 00 


6,350 00 






. 5,000 00 


6,000 00 






. 10,000 00 


11,600 00 


bonds 


. 10,000 00 


10,300 00 


bonds 


. 10,000 00 


9,200 00 


• 


. 10,000 00 


10,800 00 




$169,000 00 


$196,395 00 


s Dec. 


31, 1881. 




liens) 


. $5,000 00 
196,395 00 








. 7,898 88 








. 3.464 87 








. 3,996 39 










$216,755 14 



1881.] 



INSURANCE COMPANIES. 



39 



Liabilities. 
Unearned premiums on outstanding risks . $110,234 09 
Dividends of profits due on terminated policies . 200 00 
Gross liabilities ...... 

Surplus ........ 

Income. 
Gross cash premiums received during the year, $53,650 26 
Deduct return premiums . . . . . 1,818 99 

Net cash premiums received .... 

Received for interest on mortgages ..... 

Received for interest from all other sources 

Deposit notes received during the year . $113,475 00 

Gross cash income ....... 



Expenditures. 

Paid for losses during the year .... 
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 incidental expenses .... 



Gross cash expenditures 



$110,434 09 
$106,321 05 



$51,831 27 


225 00 


11,006 00 


$63,062 27 


$19,943 69 


7,916 51 


4,101 00 


501 71 


19,573 85 


70 00 


1,571 43 


$53,678 19 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $14,966,544 00 
Risks written during 1881 .... 4,281,963 00 

Total -— 

Risks terminated during 1881 ..... 



-$19,248,507 00 
. 3,521,682 00 



Net amount in force Dec. 31, 1881 .... $15,726,825 00 
Deposit notes received on outstanding risks . . . 302,213 22 
Losses incurred during the year ..... 16,876 10 

Percentage of profits or surplus returned during 188L 40 and 50 per cent- 
Average rate to date, 45 per cent. 



40 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1828.] 

George Heywood, President. Richard Barrett, Secretary. 



Detailed Statement of Stocks, 

50 shares Blackstone National Bank, Boston . 
15 
40 
25 
53 
54 
30 
113 
20 
44 
10 
36 
18 
33 



Merchants' National Bank, Boston . 
Webster National Bank, Boston 
Eliot National Bank, Boston 
Boston National Bank, Boston . 
Howard National Bank, Boston 
Revere National Bank, Boston . 
Shawmut National Bank, Boston 
Faneuil Hall National Bank, Boston, 
North America Nat'l Bank, Boston . 
Central National Bank, Boston 
Traders' National Bank, Boston 
State National Bank, Boston 
Concord National Bank, Concord 

Central National Bank loan 

40 shares Boston and Albany Railroad 

28 " Fitchburg Railroad . 

50 " Phila., Wilmington, and Bait. "R.R. 

Boston and Albany Railroad bonds . 

Eastern Railroad bonds 

Burlington and Missouri Railroad bonds 

Connotton Valley Railroad bonds 

Bath city bonds .... 

United States bonds .... 

Concord water loan .... 

Personal loans ..... 



Bonds, etc. 

Par value. 

85,000 00 
1,500 00 
4,000 00 
2,500 00 
5,300 00 
5,400 00 
3,000 00 

11,300 00 
2,000 00 
4,400 00 
1,000 00 
3,600 00 
1,800 00 
3,300 00 
1,000 00 
4.000 00 
.2,800 00 
2.500 00 

40,000 00 
4,000 00 
4,000 00 
7,000 00 
3,000 00 

10,000 00 



Summary of Assets Dec. 

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 

Cash deposited in bank 

Premiums in course of collection (net) 

Interest due and accrued . 

Gross assets .... 

Liabilities 

Claims for losses disputed or resisted 
Unearned premiums on outstanding risks 



31, 1881. 

$37,500 00 
119,800 00 
190,845 00 
2.457 75 
18,459 57 
5,683 59 
7,317 00 



. 81,000 00 
140,643 89 



Market value. 

85,650 00 
2,175 00 
4,480 00 
3,118 75 
6,625 00 
6,642 00 
3,517 50 
13,588 25 
2,565 00 
4,972 00 
1,000 00 
3,510 00 
2,290 50 
4,950 00 
1.000 00 
6,560 00 
3,780 00 
3,150 00 
50,400 00 
4,230 00 
3,560 00 
5,950 00 
3,093 50 
11,737 50 
19,500 00 
12,800 00 

8190,845 00 



8382,062 91 



1881.] 



INSURANCE COMPANIES. 



41 



Dividends of profits on terminated policies . $236 11 

State and local taxes due or accrued . . . 101 79 

Gross liabilities 

Surplus 

Income. 

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

for interest from all other sources 

for rents ..... 

from policy fees .... 
Deposit notes received during the year . $59,496 29 

Gross cash income ....... 



Expenditures. 
Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $18,789,612 00 
Risks written during 18S1 . . . 4,084,191 00 

Total ■ fl 

Risks terminated during 1881 ...... 



$141,981 79 
$240,081 12 



$60,114 11 

6,793 83 

10,537 46 

615 00 

130 00 



$78,190 40 



$21,417 39 

8,455 46 

6,617 40 

954 65 

30,663 73 

1,603 68 

,712 31 



£2,874,133 00 
3,598,217 00 



Net amount in force Dec. 31, 1881 .... $19,275,91600 
Deposit notes received on outstanding risks . . . 281,287 79 
Losses incurred during the year ..... 22,417 39 

Percentage of profits or surplus returned during 1881, 50 and 60 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, 

MILFORD. 

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

M. A. Blunt, President. George G. Parker, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

10 shares Milford National Bank . . .$1,000 00 $1,350 00 
9 shares Hide and Leather National Bank . 900 00 1,080 00 

Personal loans - 3,500 00 



$5,930 00 



42 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 
Stocks, etc., as per schedule . . . .$5,930 00 
£ash in the office of the company . . . 966 24 
Premiums in course of collection (net) . . 262 93 

Office furniture $100 00 

Gross assets 



$7,159 17 



Liabilities. 
Adjusted losses and claims due and unpaid 
Losses and claims adjusted, but not due 
L'nearned premiums on outstanding risks . 
Dividends of profits due on terminated policies, 
Gross liabilities 

Surplus 

Income. 

Gross cash premiums received daring the year 

Deduct return premiums . 

Xet cash premiums received 

Received for interest from all sources 

Received from policy fees . 

Deposit notes received during the year 

Gross cash income 



$52 97 

450 00 

3,523 30 

25 00 



4,051 27 
$3,107 90 



. $1,567 19 




9 20 






$1,557 99 




. . . 


294 50 


• • • 


40 00 


. $4,701 57 






$1,892 49 



Expenditures. 
Paid for losses during the year . 

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 incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $731,499 00 
Risks written during 1881 .... 142,622 00 

Total . . . . . . 

Risks terminated during 1881 

Net amount in force Dec. 31, 1881 

Deposit notes received on outstanding risks 

Losses incurred during the year 





$574 28 




69 


99 




248 


58 




12 


87 




354 04 




113 


85 


$1,373 


61 



$874,121 00 
131,052 00 

$743,069 00 

21,158 93 

1,077 25 



1881.] 



INSURANCE COMPANIES. 



43 



MILL-OWNERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated June 13, 1873. Commenced business Aug. 1, 1873.] 

William II. Kent, President. Frederick S. Cabot, Secretary. 

Office, 131 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

$35,000 00 $36,400 00 
. 5,000 00 5,350 00 



Boston city bonds .... 
Ottawa and Burlington Railroad bonds 



$40,000 00 $41,750 00 



Summary of Assets Dec 31, 1881. 



Stocks, bonds, etc., as per schedule 
Corporation notes 
Cash in the office of the company 
Cash deposited in national banks 
Interest accrued 

Office furniture .... 
Gross assets 



$41,750 00 

. 52,000 00 

49 21 

. 10,499 82 

. 1,390 19 
$400 00 



Liabilities. 

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

Gross liabilities .... 



$61,347 78 
278 22 



$105,689 22 



61,626 00 



Surplus 



$44,063 22 



Income. 



Gross cash premiums received during the year, $126,501 08 
Deduct return premiums ..... 5,755 39 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $602,289 95 



Gross cash income 



Expenditures. 



Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



$120,745 69 
3,188 18 



$123,933 87 



$21,205 09 
9,183 34 
1,178 88 
54,134 75 
1,273 50 
2,057 84 



Gross cash expenditures 



$89,033 40 



44 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $11,056,008 00 
Risks written daring 1881 .... 13,139,945 00 

Total $24,195,953 00 

Risks terminated during 1881 11,550,936 00 



Net amount in force Dec. 31, 1881 .... $12,645,01700 
Deposit notes received on outstanding risks . . . 602,289 95 

Losses incurred during the year 3,821 26 

Percentage of profits or surplus returned during 1881, 50£ per cent. 
Average rate to date, 61 T 7 ^ per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

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

\V. C. Sturtevant, President. Frank R. Young, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston and Albany Railroad bonds . . . $7,000 00 $8,960 00 

Union Pacific Railroad bonds . . . .' 5,000 00 5,850 00 

St. Johnsbury and Lake Champlain R.R. bonds, 5,000 00 5,500 00 

Vermont Valley Railroad bonds . . . 4,000 00 4,200 00 

75 shares Second National Bank, Springfield . 7,500 00 12,375 00 

61 

25 

25 

25 

10 

10 

50 

50 

50 

75 



Chicopee National Bank, Springfield . 6,100 00 8,845 00 

J. Hancock Nat'l Bank, Springfield . 2,500 00 3,000 00 

First National Bank, Springfield . 2,500 00 3,625 00 

Chapin National Bank, Springfield . 2,500 00 3,000 00 

Monson National Bank, Monson . 1,000 00 1,450 00 

First National Bank, Chicopee . . 1,000 00 1,500 00 

Hadley Falls National Bank, Holyoke, 5,000 00 7,500 00 

National Bank of Commerce, Boston . 5,000 00 6,450 00 

Boston and Albany Railroad . . 5,000 00 8,250 00 

New York Central Railroad . . 7,500 00 10,125 00 



$66,600 00 $90,630 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens), $26,050 00 
Stocks, bonds, etc., as per schedule . . . 90,630 00 
Cash in the office of the company . . . 107 80 
Cash deposited in bank ..... 1 06 
Interest due and accrued ..... 967 17 
Gross assets 



$117,756 03 



1881.] 



INSURANCE COMPANIES. 



45 



Liabilities. 

Unearned premiums on outstanding risks . $31,867 47 

Dividends of profits due on terminated policies, 297 36 

Gross liabilities 

Surplus ........ 



Income. 

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

for interest from all other sources 

from policy fees . 
Deposit notes received during the year 

Gross cash income 



Expenditures. 

Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 



,075 94 
731 05 



,149 52 



Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $3,864,525 00 
Risks written during 1881 .... 727,100 00 

Total ...... 

Risks terminated during 1881 .... 



$32,164 83 
$85,591 20 



$10,344 89 

1,767 33 

3,805 55 

408 00 



$16,325 77 



$882 00 

2,302 33 

108 81 

7,521 85 

200 00 

272 45 

,287 44 



$4,591,625 00 
698,400 00 



Net amount in force Dec. 31, 1881 $3,893,225 00 

Deposit notes received on outstanding risks . . . 127,469 88 
Losses incurred during the year ..... 859 50 

Percentage of profits or surplus returned during 1881, 75 per cent. 
Average rate to date, 75 per cent. 



46 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 

Amos Stone, President. George H. Pendergast, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



10 shares Monument National Bank . 

20 *' National Bank of the Republic . 

31 " Charlestown Gas Company stock 



Securities held as collateral for cash loans: — 



Par value. 

$1,000 00 
2,000 00 
1,550 00 



Market value. 

12,000 00 
2,500 00 
2,480 00 



$4,550 00 $6,980 00 



Market value. Loaned thereon. 

36 shares Charlestown Gas Company . . $2,880 00 ) 

10 " Calumet and Hecla Mining Company . 2,380 00 [• $5,000 00 

50 " Conn, and Pass umpsic R. R.R. Co. . 4,700 00 J 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens) $13,520 00 

Stocks as per schedule ..... 6,980 00 

Loans on collateral security as per schedule . 5,000 00 

Cash in the office of the company . . . . 105 92 

Cash deposited in bank 9,875 32 

Premiums in course of collection (net) . . 96 27 

Interest due and accrued 426 29 

Office furniture $150 00 

Gross assets $36,003 80 

Liabilities. 

Unearned premiums on outstanding risks . . $5,199 82 
Return premiums on cancelled policies . . 10 30 

Dividends of profits due on terminated policies . 32 80 

Gross liabilities 5,242 92 



Surplus 



$30,760 88 



Income. 

Gross cash premiums received during the year 
Deduct return premiums .... 
Net cash premiums received 
Received for interest on mortgages . 
Received for interest from all other sources 
Deposit notes received during the year 



$2,246 95 
104 22 



$6,832 05 



$2,142 73 

1,226 02 

672 95 



Gross cash income 



$4,041 70 



1881.] 



INSURANCE COMPANIES. 



47 



Expenditures. 

Paid for losses during the year . 

for brokerage and commissions . 

for interest on borrowed money . 

for state and local taxes 

for profits or surplus on terminated policies 

for rents ...... 

for incidental expenses 

Gross cash expenditures 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . « 
Risks written during 1881 

Total 

Risks terminated during 1881 . 



,053,075 00 
220,250 00 



$235 13 


345 27 


1 13 


19 89 


673 71 


400 00 


140 74 



,815 87 



,273,325 00 
250,375 00 



Net amount in force Dec. 31, 1881 $1,022,950 00 

Deposit notes received on outstanding risks . . . 30,391 89 
Losses incurred during the year ...... 235 13 

Percentage of profits or surplus returned during 1881, 25 per cent. 
Average rate to date, 25 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEVVBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 

Amos Noyes, President. Joseph J. Knapp, Secretary. 



Detailed Statement of Stocks, 



100 shares Merchants 
18 
31 
15 
10 
10 



1 National Bank 
Mechanics' National Batik 
Ocean National Bank 
Washington National Bank 



Traders' National Bank 

Hide and Leather National Bank 

Eastern Railroad bonds 

Lawrence city bonds . 

Lowell city bonds 

Fall River city bonds 

Natick town bonds 

Chelsea city bonds 



Bonds, etc. 

Par value. 

$2,000 00 
1,800 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 
5,500 00 
1,000 00 
2,000 00 
1,000 00 
2,000 00 
1,000 00 



$21,350 00 
Summary of Assets Dec. 31, 1881. 

Stocks and bonds as per schedule . . $25,073 75 
Cash in the office of the company . . . 39 04 



Market value. 

$2,800 00 
2,520 00 
2,015 00 
2,092 50 
975 00 
1,145 00 
5,816 25 
1,150 00 
2,300 00 
1,120 00 
2,100 00 
1,040 00 

$25,073 75 



48 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Cash deposited in various banks 
Interest accrued 
Office furniture and safe 
Gross assets 



$225 40 



Liabilities. 

Unearned premiums on outstanding risks . 

Dividends of profits due on terminated policies 

Rents and salaries ..... 

Gross liabilities 

Surplus ..... 

Income. 
Gross cash premiums received during the year 
Deduct return premiums . 
Net cash premiums received 
Received for interest from all sources 

for rents .... 

from policy fees . 
Deposit notes received during the year 

Gross cash income 



. $2,775 06 
164 00 
3 


$28,051 85 
4,303 89 


. $4,188 89 
30 00 
85 00 




. $1,190 48 
37 00 


$23,747 96 

$1,153 48 

1,291 52 

45 00 

43 00 


. $8,923 34 




$2,533 00 



Expenditures. 
Paid for losses during the year .... 

for salaries and fees of officers and employes 
for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

Gross cash expenditures .... 



$12 00 


300 


00 


12 


02 


1,170 


53 


100 00 


43 


39 



$1,637 94 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $682,735 00 
Risks written during 1881 . . . 99,360 00 

Total $782,095 00 

Risks terminated during 1881 118,710 00 



Net amount in force Dec. 31, 1881 $663,385 00 

Deposit notes received on outstanding risks . . . 54,754 98 

Losses incurred during the year 12 00 

Percentage of profits or surplus returned during 1881, 100 per cent. 
Average rate to date, 100 per cent. 



1881.] 



INSURANCE COMPANIES. 



49 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 

Ira Cleveland, President. Elijah Howe, Jun., Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $50,000 00 $57,000 00 

Chicago city bonds . . « . . . . 7,000 00 8,400 00 

Cincinnati city bonds 25,000 00 32,500 00 

Marquette and Ontonagon Railroad bonds . 32,000 00 37,760 00 

Philadelphia and Reading Railroad bonds . . 8,000 00 10,000 00 

Old Colony Railroad bonds .... 12,000 00 13,980 00 

New England Mortgage Security bonds . . 20,000 00 21,000 00 

Union Pacific Collateral Trust bonds . . . 15,000 00 16,350 00 

50 shares Dedham Water Company . . . 5,000 00 5,000 00 

$201,990 00 



$174,000 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $17,500 00 
Loans on mortgages of real estate (first liens) . 92,300 00 
Stocks, bonds, etc., as per schedule . . 201,990 00 
Cash in the office of the company . . . 1,689 67 
Cash deposited in the Dedham National Bank . 6,196 73 
Premiums in course of collection (net) . . 3,696 86 
Interest due and accrued ..... 6,027 54 

Rents accrued . 390 00 

Gross assets ...... 

Liabilities. 

Adjusted losses and claims due and unpaid . $2,633 00 
Losses and claims adjusted, but not due . . 1,982 00 
Unearned premiums on outstanding risks . 112,325 65 
Return premiums on cancelled policies . . 374 17 
Dividends of profits due on terminated policies . 3,450 56 
Salaries and incidental expenses . . . 862 50 
Gross liabilities ..... 



Surplus ..... 

Income. 

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

for interest from ali other sources 

for rents 

from all other sources . 
Deposit notes received during the year . $77,445 72 

Gross cash income 

7 



$329,790 80 



121,627 88 



,162 92 



$39,632 54 

5,865 60 

10,503 03 

1,484 00 

25 00 



$57,510 17 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 



Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $14,182,301 00 
Risks written during 1881 .... 2,581,646 00 



$16,364 52 

5,880 58 

3,229 42 

637 67 

20,977 67 

1,350 74 

$48,440 60 



Total . 
Risks terminated during 1881 



$16,763,947 00 
. 2,632,649 00 



Net amount in force Dec. 31, 1881 .... $14,131,298 00 

Deposit notes received on outstanding risks . . . 447,134 56 

Losses incurred during the year 19,300 96 

Percentage of profits or surplus returned during 1881, 33£ to 50 per cent. 



QUINCY MUIUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 

Israel W. Monroe, President. Charles A. Howland, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

200 shares Manufacturers' Xat'l Bank, Boston, $20,000 00 



40 
222 
25 
100 
66 
70 
45 
50 
37 
50 
46 
75 
25 
28 
197 
71 
50 
64 



Merchants' National Bank, Boston . 4,000 00 

Third National Bank, Boston . . 22,200 00 

State National Bank, Boston . . 2,500 00 

North National Bank, Boston . . 10,000 00 

Washington National Bank, Boston . 6,600 00 

Second National Bank, Boston . . 7,000 00 

Blackstone National Bank, Boston . 4.500 00 

First National Bank, Boston . . 5,000 00 

Revere National Bank, Boston . . 3,700 00 

Hamilton National Bank, Boston . 5,000 00 

Continental National Bank, Boston . 4,600 00 

Redemption National Bank, Boston . 7,500 00 

Market National Bank, Boston . . 2,500 00 

Pacific National Bank, Boston . . - 

lit. Wollaston Nat'l Bank, Quincy . 19,700 00 

Granite National Bank, Quincy . 7,100 00 

Wachusett Nat'l Bank, Fitchburg . 5,000 00 

Hiugham National Bank, Hingham . 6,400 00 



Market value. 

$22,000 00 
5.840 00 

23,532 00 
3,150 00 

14,200 00 
9,240 00 

10,500 00 
5.130 00 

10,000 00 
4,403 00 
5.700 00 
5,382 00 

10,275 00 
2,675 00 

27.580 00 
9,230 00 
9,250 00 
4,480 00 



1881.] 



INSURANCE COMPANIES. 



51 



Par value. Market value . 

48 shares First Nat'l Bank, South Weymouth . $4,800 00 $6,000 00 

67 " Union Nat'l Bank, Weymouth . . 6,700 00 7,370 00 

10 " Quinsigamond Nat'l Bank, Worcester, 1,000 00 1,100 00 
50 " Brockton National Bank, Brockton . 5,000 00 5,000 00 
17 " Plymouth National Bank, Plymouth . 1,700 00 2,040 00 

11 " Old Colony Railroad .... 1,100 00 1,364 00 
5 » Citizens' Gas-Light Company . . 500 00 500 00 

28 " Lawrence Duck Company . . . 2,800 00 3,500 00 



$166,900 00 $209,441 00 



Securities held as collateral for cash loans : 

107 shares Hingham Cordage Company 
142 shares Lawrence Duck Company 
Personal loans secured .... 



Market value. 

$12,840 00 
. 15,620 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $15,500 00 
Loans on mortgage of real estate (first liens) . 52,700 00 
Stocks, bonds, etc., as per schedule . . 209,441 00 
Loans on collateral security as per schedule . 46,291 67 
Cash in the office of the company . . . 411 00 
Cash deposited in various banks . . 101,981 76 

Premiums in course of collection (net) . . 7,718 17 

Interest due and accrued 6,139 40 

Gross assets 



Loaned thereon. 

$10,000 00 
23,091 67 
13,200 00 

$46,291 67 



$440,183 00 



Liabilities. 

Losses and claims adjusted, but not due . 
Claimed and reported losses not adjusted . 
Unearned premiums on outstanding risks . 
Dividends of profits due on terminated policies 
State and local taxes due or accrued . 

Incidental expenses 

Gross liabilities ..... 

Surplus 



$33 28 
50 00 
183,794 98 
2,000 00 
300 00 
495 00 



186,673 26 
$253,509 74 



Income. 

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

for interest from all other sources 

for rents 

from profit on sale of stock 
Deposit notes received during the year . 

Gross cash income .... 



$93,651 41 



$93,651 41 

4,023 20 

15,567 09 

510 16 

4,497 64 

$118,249 50 



52 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $25,434,821 00 
Risks written during 1881 .... 6,802,888 00 



$33,674 39 

15,040 07 

8,542 30 

1,567 52 

40,989 80 

3,675 49 

8103,489 57 



Total . 
Risks terminated during 1881 



-$32,237,709 00 
. 6,727,765 00 



Net amount in force Dec. 31, 1881 .... $25,509,94400 
Deposit notes received on outstanding risks . . . 367,727 55 

Losses incurred during the year 32,023 11 

Percentage of profits or surplus returned during 1881, 20 to 50 per cent. 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 

Charles S. Nichols, President. Samuel A. Potter, Secretary. 



Detailed Statement of Stocks, 

20 shares Salem National Bank, Salem 

14 " Asiatic National Bank, Salem . 

5 " National Exchange Bank, Salem 

15 " Salem Gas-Light Company, Salem 
2 " Lynn Gas-Light Company, Lynn 

6 " Cambridge Railroad Company 
City of Cincinnati bonds . 

of Toledo bonds 

of Cleveland bonds . 

of Springfield bonds . 

of Chicago bonds 

of Peoria bonds . 

of Chelsea bonds 

of St. Louis bonds 
County of St. Louis bonds 
County of Cook bonds 
Boston and Maine Railroad bonds 
Boston and Lowell Railroad bonds 
Essex Railroad bonds 
Eastern Railroad bonds 



Bonds, etc. 

Par value. 

$2,000 00 

420 00 

500 00 

1,500 00 

200 00 

600 00 

2,000 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 



Market value. 

$2,400 00 

630 00 

570 00 

1,485 00 

166 00 

720 00 

2,480 00 

2,250 00 

1,200 00 

1,350 00 

1,200 00 

1,070 00 

1,150 00 

1,120 00 

1,140 00 

1,060 00 

1,260 00 

1,120 00 

1,035 00 

1,060 00 



$21,220 00 $24,466 00 



1881.] 



INSURANCE COMPANIES. 



53 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens) . $6,470 00 
Stocks, bonds, etc., as per schedule . . . 24,466 00 

Loan on personal security 2,000 00 

Cash in the office of the company . . . 596 71 
Premiums in course of collection (net) . . 331 68 

Interest due and accrued 469 08 

Gross assets ...... 

Liabilities. 

Losses and claims adjusted, but not due . . $417 96 

Unearned premiums on outstanding risks . . 6,861 03 

Return premiums on cancelled policies . . 4 05 

Dividends of profits due on terminated policies . 262 59 

State and local taxes due or accrued . . . 7 72 

Salaries and incidental expenses . . . 308 50 

Gross liabilities . . . • . . . 

Surplus 

Income. 

Gross cash premiums received during the year . $2,862 00 
Deduct return premiums ..... 144 35 

Net cash premiums received .... 

Received for interest on mortgages ..... 

Received for interest from all other sources 

Deposit notes received during the year . . $8,583 00 

Gross cash income ....... 

Expenditures. 
Paid for losses during the year .... 
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 incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $925,265 00 
Risks written during 1881 .... 205,575 00 

Total 

Risks terminated during 1881 .... 



$34,333 47 



7,861 85 
$26,471 62 



$2,717 65 

433 45 

1,440 40 

$4,591 50 



$88 20 
22 92 

1,288 00 
24 92 

1,342 53 
52 76 

$2,819 33 



$1,130,840 00 
229,525 00 



Net amount in force Dec. 31, 1881 $901,315 00 

Deposit notes received on outstanding risks . . . 34,333 47 
Losses incurred during the year ..... 506 16 

Percentage of profits or surplus returned during 1881, 40 per cent. 
Average rate to date, 40 per cent. 



54 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 

Joseph N. Clark, President. Charles L. Allen, Secretary. 



Summary of Assets Dec. 31, 1881. 

Cash in the office of the company . . . $61 45 

Cash deposited in sayings bank .... 1,434 04 

Premiums in course of collection (net) . . 33 48 

Office safe $100 00 

Gross assets 



Liabilities. 

Unearned premiums on outstanding risks . . $1,112 77 
Gross liabilities 



Surplus 



Income. 

Gross cash premiums received during the year 

Deduct return premiums . 

Net cash premiums received 

Received for interest from all sources 

Received from policy fees . 

Deposit notes received during the year 

Gross cash income 



$367 39 
61 41 



$3,594 70 



$1,528 97 



1,112 77 
$416 20 



$305 98 
55 66 
28 00 

83S9 64 



Expenditures. 
Paid for losses during the year . 

for brokerage and commissions . 

for salaries and fees of officers and employes 

for state and local taxes 

for incidental expenses 

Gross cash expenditures 



Miscellaneous. 
Risks outstanding Dec. 31, 1880 
Risks written during 1881 .... 

Total 

Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$365,648 00 
. 43,565 00 



$100 00 


28 


00 


158 


00 


o 


89 


29 


00 



$317 89 



$409,213 00 
50,470 00 

$358,743 00 

22,255 40 

100 00 



1881.] 



INSURANCE COMPANIES. 



55 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

Harmon Hall, President. Wilbur F. Newhall, Secretary. 

[Note. — This company insures nothing but dwellings, farm-buildings, 
and their contents, in Lynn, Saugus, Lynnfield, Swampscott, andNahant. 
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 Dec. 31, 1881. 
Cash in the office of the company . . . $1,391 09 
Net amount of unpaid assessments . . . 146 50 

Office property $250 00 

Gross assets $1,537 59 



Income. 

Received from assessments on deposit notes 

for rents 

from policy fees . 

Deposit notes received during the year 

Gross cash income .... 



$108,896 00 



$2,112 15 
3 50 

594 00 



$2,709 65 



Expenditures. 

Paid for losses during the year . 

for salaries and fees of officers and employes 

for state and local taxes 

for rents ...... 

for incidental expenses 

Gross cash expenditures 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $2,416,100 00 
Risks written during 1881 .... 894,600 00 



$400 93 


1,104 00 


21 72 


150 00 


111 72 



$1,788 37 



Total 

Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 
Assessments laid on deposit notes 



$3,310,700 00 
846,550 00 

$2,464,150 00 

299,383 00 

400 93 

2,003 65 



56 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SHELBURNE MUTUAL FIRE INSURANCE COMPANY, 

SHELBURNE. 

[Incorporated 1877. Commenced business July 4, 1877.] 

Nathan O. Newhall, President. E. B. Alvord, Secretary. 

[Note. — Insures property in the town of Shelbnrne only.] 

Summary of Assets Dec. 31, 1881. 
Cash in the office of the company . . . $5 39 
Cash deposited in savings bank . . . . 150 27 

Gross assets $155 66 

Income. 

Gross cash premiums received during the year . . . $58 30 

Deposit notes received during the year . . $583 00 

Gross cash income §58 30 

Expenditures. 
Paid for brokerage and commissions ..... 

for state and local taxes 

for incidental expenses 

Gross cash expenditures . . . . . . $13 54 

Miscellaneous. 
Risks outstanding Dec. 31, 1880 . . $105,108 00 

Risks written during 1881 10,400 00 

Total $115,508 00 

Risks terminated during 1881 3,050 00 



$2 00 


54 


11 00 



Net amount in force Dec. 31, 1881 $112,458 00 

Deposit notes received on outstanding risks . . . 7,040 14 



SOLfrH DANVERS MUTUAL FIRE INSURANCE COMPANY. 

PEABODY. 

[Incorporated June 12, 1829. Commenced business Aug. 1, 1829.] 

William P. Clark, President. George M. Foster, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Far value. Market value. 

80 shares South Danvers Nat'l Bank, Peabody . $S,000 00 $12,000 00 

48 " Warren National Bank, Peabody . 4,800 00 6,720 00 

51 " Asiatic National Bank, Salem . . 1,530 00 1,836 00 

20 " Naumkeag National Bank, Salem . 2,000 00 2,600 00 

18 •' Exchange National Bank, Salem . 1,800 00 1,9S0 00 



1881.] 



INSURANCE COMPANIES. 



57 



12 shares First National Bank, Salem 

34 " First National Bank, Dan vers 

30 " Nat'l Hide and Leather Bank, Boston 

8 " Andover National Bank 
United States bonds . 
Cleveland city bonds . 
Cincinnati city bonds 
Eastern Railroad bonds . . • 
Boston and Maine Railroad bonds 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in the South Danvers Nat'l Bank, 
Premiums in course of collection (net) 
Interest due and accrued .... 
Gross assets ..... 

Liabilities. 

Claimed and reported losses not adjusted . 
Unearned premiums on outstanding risks . 
Return premiums on cancelled policies 
Dividends of profits due on terminated policies 

Salaries 

Gross liabilities 



Surplus 

Income. 

Gross cash premiums received during the year 
Deduct return premiums . 
Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

from policy fees . 
Deposit notes received during the year 

Gross cash income 



Expenditures. 
Paid for losses during the year .... 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 
8 



Par value. 


Market value. 


. $1,200 00 


$1,320 00 


. 2,550 00 


2,677 50 


, 3,000 00 


3,300 00 


800 00 


840 00 


. 5,000 00 


5,700 00 


. 2,000 00 


2,000 00 


. 3,000 00 


3,150 00 


. 2,000 00 


1,960 00 


. 2,000 00 


2,540 00 


$39,680 00 


$48,623 50 


11, 1881. 




. $200 00 




. 48,623 50 




104 50 




:, 3,968 03 




2 00 




314 67 






$53,212 70 




$43 62 




. 11,258 59 




767 75 




129 31 




. 237 50 






12,436 77 




. 


$40,775 93 


. $3,062 38 




216 00 






$2,846 38 




. 


12 00 


- . 


2,710 50 


. 


115 00 


. $9,187 14 





$5,683 88 



$1,148 


87 


986 


00 


28 


67 


2,849 


87 


4] 


30 



$5,054 71 



58 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 



$1,033,855 00 
140,850 00 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total 

Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 

Deposit notes received on outstanding risks 

Losses incurred during the year 

Percentage of profits or surplus returned during 1881 



81, 174,705 00 

143,400 00 

. $1,031,305 00 

60,776 88 

1,192 49 
100 per cent. 



SPINNERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 12, 1881. Commenced business April 1, 1881.] 

Edward Atkinson, President. William B. Whiting, Secretary. 

Office, 131 Devonshire Street. 

Summary of Assets, Dec. 31, 1881. 

Cash in the office of the company . . . $3 00 
Cash deposited in the New England Trust Co. . 17,090 30 

Gross assets $17,093 30 



Liabilities. 

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

Gross liabilities 



Surplus 



1,841 07 
35 39 



8,876 46 
18,216 84 



Income. 

Gross cash premiums received during the year, $22,527 34 

Deduct return premiums 2,910 81 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $112,636 70 

Gross cash income 

Expenditures. 

Paid for losses during the year . . 

for salaries and fees of officers and employes 
for state and local taxes 
for incidental expenses 

Gross cash expenditures 



$19,616 


53 


220 


84 


$19,837 37 


$51 25 


1,815 


87 


170 78 


706 


17 



*2,744 07 



1881.] 



INSURANCE COMPANIES. 



59 



Miscellaneous. 

Risks written during 1881 . 
Risks terminated during 1881 . 

Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 



$2,709,960 00 
552,606 00 

$2,157,354 00 

88,410 70 

51 25 



TRADERS' AND MECHANICS' MUTUAL FIRE INSURANCE 

COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 

Levi Sprague, President. Edward M. Tucke, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Boston and Lowell Railroad bonds 



Connecticut and Passumpsic River R.R. bonds 

Cambridge city bonds 

Cook county (111 ) bonds 

Lynn city bonds 

Lowell city bonds 

329 shares Traders' and Mechanics' Ins. Co. 

50 " Connecticut River R.R. 

25 " Vermont and Massachusetts R.R. 
5 " Lowell Manufacturing Company 
8 " Merrimack Manufacturing Company, 

30 " Tremont and Suffolk Manuf'g Co. . 

50 " Vassalborough Mills . 
100 " Lowell Gas Company 
3 " Massachusetts Cotton Mills 

15 u Middlesex Company . 

50 " Lawrence Gas Company . 

20 " Androscoggin . 

30 " Old Lowell Bank 

20 " Bank of North America . 



$15,000 00 

. 1,000 00 

, 5,000 00 

. 2,000 00 

, 5,000 00 

. 3,000 00 

, 32,900 00 

. 5,000 00 

. 2,500 00 

. 3,450 00 

8,000 00 

3,000 00 

5,000 00 

10,000 00 

3,000 00 

1,500 00 

5,000 00 

2,000 00 

3,000 00 

2,000 00 



Market value. 

$17,250 00 
1,150 00 
5,750 00 
2,000 00 
5,750 00 
3,450 00 

32,900 00 
7,500 00 
3,125 00 
3,450 00 

14,000 00 
4,350 00 
3,750 00 

15,000 00 
3,600 00 
3,750 00 
6,750 00 
2,400 00 
3,600 00 
2,200 00 



$117,350 00 $141,725 00 



Securities held as collateral for cash loans : — 

25 shares Nashua and Lowell Railroad 
100 " St. Louis and San Francisco R.R. 

20 " Bates Manufacturing Company 
Personal loans ...... 



Market value. 



Loaned thereon. 

$2,100 00 
6,000 00 
1,800 00 
9,800 00 



$19,700 00 



60 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens), $96,800 00 

Stocks, bonds, etc., as per sehedule . . 141,725 00 

Loans on collateral security as per schedule . 19,700 00 

Cash in the office and deposited in bank . . 63,339 12 

Premiums in course of collection (net) . . 2,982 00 

Interest due and accrued 1,657 80 

Gross assets ...... 



$326,203 92 



Liabilities. 

Claimed and reported losses not adjusted . . $100 00 

Unearned premiums on outstanding risks . 118,342 06 

Gross liabilities 

Surplus 



118,442 06 
$207,761 86 



Income. 

Gross cash premiums received during the year, $69,817 29 

Deduct return premiums 1,861 46 

Net cash premiums received .... 

Received for interest from all sources .... 

Deposit notes received during the year . $70,947 14 

Gross cash income 



$67,955 83 
18,093 01 

$86,048 84 



Expenditures. 

Paid for losses during the year .... 
for brokerage and commissions . 
for salaries and fees of officers and employes 
for state and local taxes .... 
for profits or surplus on terminated policies 

Gross cash expenditures .... 



$13,140 31 

7,992 30 

4,452 19 

494 56 

21,976 63 

$48,055 99 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . . . . 
Risks terminated during 1881 



. $14,748,354 00 
. 5,959,909 00 



$20,708,263 00 
. 4,053,426 00 



Net amount in force Dec. 31, 1881 .... $16,654,837 00 

Deposit notes received on outstanding risks . . . 236,684 21 

Losses incurred during the year ..... 13,190 31 

Percentage of profits or surplus returned during 1881, 20, 30, and 50 
per cent. 



1881.] 



INSURANCE COMPANIES. 



61 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, 

WESTFORD. 

[Incorporated March 20, 1840. Commenced business July, 1840.] 

Allan Cameron, President. J. Henry Read, Secretary. 

Summary of Assets Dec. 31, 1881. 



Loans on mortgage of real estate (first liens) 
Cash in the office of the company 
Cash deposited in savings banks 
Interest due and accrued .... 
Gross assets 



$495 00 

100 59 

1,423 78 

56 95 



$2,076 32 



Liabilities. 

Unearned premiums on outstanding risks . . $1,721 97 
Gross liabilities 



Surplus 



Income. 



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

Gross cash income .... 



,189 52 



1,721 97 
$354 35 



$594 76 
57 29 



$652 05 



Expenditures. 

Paid for losses during the year .... 
for state and local taxes .... 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 

Miscellaneous. 

Risks outstanding Dec. 31, 1880 . . $477,095 00 
Risks written during 1881 .... 59,476 00 

Total 

Risks terminated during 1881 

Net amount in force Dec. 31, 1881 ..... 

Deposit notes received on outstanding risks 

Losses incurred during the year 



$18 00 
13 87 
13 66 
30 25 

$75 78 



$536,571 00 
185,601 00 

$350,970 00 

6,887 86 

18 00 



62 



MASSCHUSETTS MUTUAL FIRE [Dec. 31, 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

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

William Merrill, President. Henry T. Bailey, Secretary. 

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



Summary of Assets Dec. 31, 1881. 

Cash in the office of the company . . . $31 00 

Cash deposited in the Haverhill National Bank . 1,582 69 

Office furniture $140 00 

Gross assets 



$1,613 69 



Liabilities. 

Rents, salaries, and incidental expenses . . $535 00 
Gross liabilities 



$535 00 



Income. 

Received from assessments on deposit notes 
Received from policy fees .... 
Deposit notes received during the year 

Gross cash income .... 



$11,690 71 



$3,388 85 
118 50 



$3,507 35 



Expenditures. 

Paid for brokerage and commissions . 

for salaries and fees of officers and employes 

for state and local taxes 

for rents ...... 

for incidental expenses 

Gross cash expenditures 



$169 44 


485 


98 


32 


75 


10 00 


10 


00 



$70S 17 



Miscellaneous. 



Risks outstanding Dec 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 



$2,297,760 00 
271,891 00 



$2,569,651 00 
206,955 00 



Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 
Assessments laid on deposit notes 



. $2,362,696 00 

125,474 17 

100 00 

3,888 85 



1881.] 



INSURANCE COMPANIES. 



63 



WORCESTER MANUFACTURERS' MUTUAL FIRE INSUR- 
ANCE COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 

George M. Rice, President. Samuel R. Barton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Boston and Albany Railroad bonds . . $26,000 00 $32,760 00 

Boston and Fitchburg Railroad bonds . . 15,000 00 19,050 00 

Old Colony Railroad bonds .... 25,000 00 31,437 50 

Providence and Worcester Railroad bonds . . 13,000 00 15,990 00 

New York and New England Railroad bonds . 15,000 00 16,125 00 

United States bonds 30,000 00 35,287 50 

City of Worcester bonds 10,000 00 11,700 00 

City National Bank stock, Worcester . . 6,000 00 6,900 00 

Corporation notes indorsed .... - 30,000 00 

$199,250 00 

Summary of Assets Dec 31, 1881. 
Stocks, bonds, etc., as per schedule . . $199,250 00 
Cash in the office of the company . . . 26 43 
Cash deposited in the Worcester S. D. and T. Co. 4,493 90 

Gross assets $203,770 33 

Liabilities. 

Unearned premiums on outstanding risks . $79,562 65 

State and local taxes due or accrued . . . 305 81 

Gross liabilities 79,868 46 

Surplus $123,901 87 

Income. 
Gross cash premiums received during the year, $165,308 73 
Deduct return premiums ..... 6,183 44 

Net cash premiums received .... $159,125 29 

Received for interest from all sources .... 9,704 29 

Received from profit on bonds sold . . . . . 531 25 

Deposit notes received during the year . $791,798 65 

Gross cash income ....... $169,360 83 

Expenditures. 

Paid for losses during the year ...... $70,850 10 

for inspections ........ 1,500 00 

for salaries and fees of officers and employes . . 3,398 40 

for state and local taxes 1,592 13 

for profits or surplus on terminated policies . . 77,537 61 

for rents 500 00 

for incidental expenses 1,175 97 

$156,554 21 



Gross cash expenditures 



64 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 . 



. $16,763,402 00 
. 17,373,768 00 



-$34,137,170 00 
. 16,763,402 00 



Net amount in force Dec. 31, 1881 .... $17,373,76800 
Deposit notes received on outstanding risks . . . 791,798 65 

Losses incurred during the year 39,421 05 

Percentage of profits or surplus returned during 1881, 50 T 7 5 4 5 - per cent. 
Average rate to date, 64 I 1 Q 2 g - per cent. 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated February, 1823. Commenced business May, 1824.] 

Ebenezer Torrey, President. Roger F. Upham, Secretary 

Charles M. Miles, Vice-President. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds, 4s ... . $20,000 00 

Union Pacific Railroad bonds .... 5,000 00 

Boston, Barre, and Gardner Railroad bonds .12,000 00 

170 shares Worcester National Bank, Worcester, 17,000 00 

200 " City National Bank, Worcester . 20,000 00 

50 " Citizens' National Bank, Worcester . 5,000 00 

22 " Central National Bank, Worcester . 2,200 00 

57 " Mechanics' Nat'l Bank, Worcester . 5,700 00 

45 " Quinsigamond Nat'l B'k, Worcester . 4,500 00 

40 " Fitchburg National Bank . . . 4,000 00 

15 " Blackstone National Bank . . 1,500 00 

20 " Oxford National Bank . . . 2,000 00 

15 " Grafton National Bank . . . 1,500 00 

15 " Southbridge National Bank . . 1,500 00 

30 " Westborough National Bank . . 3,030 00 

25 " Wachusett National Bank . . 2,500 00 



Market value. 

$23,400 00 

5,725 00 

12,000 00 

21,250 00 

23,200 00 

5,800 00 

3,080 00 

6,840 00 

5,310 00 

6,000 00 

1,650 00 

2,600 00 

1,650 00 

1,950 00 

3,450 00 

5,000 00 



$107,430 00 $128,905 00 



Securities held as collateral for cash loans : — 

Market value. 

10 shares Bay State House and two mortgages . $2,250 00 



65 

20 

50 

25 ' 
600 • 
Personal loans 



Worcester Gas-Light Company 
Boston and Albany Railroad 
Boston and Maine Railroad 
Worcester and Nashua Railroad 



) 



8,125 00 
9.000 00 

1,500 00 



Nashua and Rochester R.R., guar'd . 36,000 00 



Loaned thereon. 

$1,850 00 
6,500 00 

7,000 00 

1,200 00 
25,1)00 00 
25,800 00 



$67,350 00 



1881.] 



INSURANCE COMPANIES. 



65 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate • $80,000 00 
Loans on mortgage of real estate (first liens), 218,848 89 
Stocks, bonds, etc., as per schedule . . 128,905 00 
Loans on collateral security as per schedule . 67,350 00 
Cash in the office of the company and in bank . 2,536 32 
Interest and rents due and accrued . . . 8,133 90 
Gross assets 

Liabilities. 

Losses and claims unpaid ..... $3,700 00 

Unearned premiums on outstanding risks . 231,966 65 

Gross liabilities ...... 

Surplus ........ 

Income. 

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

for rents .... 

from all other sources . 
Deposit notes received during the year . $95,564 94 

Gross cash income 



$505,774 11 



235,666 65 
$270,107 46 

$95,564 94 

20,380 41 

6,053 79 

1,475 27 

$123,474 41 



Expenditures. 
Paid for losses during the year .... 
for brokerage and commissions . 
for salaries and fees of officers and employes 
for state and local taxes and insurance 
for profits or surplus on terminated policies 
for incidental expenses .... 

Gross cash expenditures .... 



Miscellaneous. * 

Risks outstanding Dec. 31, 1880 . . $30,244,913 00 
Risks written during 1881 .... 6,591,907 00 

Total .... 
Risks terminated during 1881 



Net amount in force Dec. 31, 1881 
Deposit notes received on outstanding risks 
Losses incurred during the year 
Percentage of profits or surplus returned during 1881, 60 per cent. 
9 



$27,595 64 
7,224 14 
9,388 60 
2,283 79 
58,762 75 
3,672 78 

$108,927 70 



$36,836,820 00 
6,723,251 00 



$30,113,569 00 

463,933 00 

25,329 71 



66 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, '81. 



AGGREGATE. 



A8SETS. 




Gross present assets 


$6,539,902 00 


Liabilities. 




Gross present liabilities 


$2,646,516 00 


Income. 




Cash received for premiums during the year . 


$1,988,247 00 


for interest and dividends 


254,479 00 


from assessments on deposit notes . 


6,302 00 


for rents ....... 


16,411 00 


from all other sources .... 


9,146 00 


Gross cash income ....... 


$2,274,585 00 


Expenditures. 




Cash paid for losses 


8690,346 00 


for brokerage and commissions on premiums, 


103,147 00 


for salaries and fees of officers and employes . 


153,423 00 


for interest on borrowed money 


361 00 


for state and local taxes .... 


24,411 00 


for return of profits or surplus 


881,960 00 


for rents ....... 


12,374 00 


for all other expenditures .... 


46,790 00 


Gross cash expenditures 


$1,912,812 00 


General Items. 




Whole amount of risks outstanding at end of year . 


$386,090,072 00 


of deposit notes received thereon . 


12,196,456 00 


of risks written during the year 


201.277,177 00 


of risks terminated during the year 


181,253.034 00 


of losses incurred during the year . 


473,196 00 



MASSACHUSETTS MUTUAL FIRE 
INSURANCE COMPANIES 

WITH GUARANTEE CAPITAL. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1881. 



68 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



DETAILED STATEMENTS 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. Thomas H. Johnson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds $40,000 00 $47,400 00 

Massachusetts state bonds 4,000 00 4,600 00 

New Hampshire state bonds .... 4,000 00 4,720 00 

Licking county (O.) bonds .... 5,000 00 5,000 00 

Marion county (Ind.) bonds . . . . 5,000 00 5,500 00 

Boston (Mass.) city bonds 5,000 00 5,200 00 

Columbus (O.) city bonds ' 4,000 00 4,080 00 

Cincinnati (O.) city bonds .... 5,000 00 6,350 00 

Cleveland (O.) city bonds 10,000 00 10,800 00 

Chicago (111.) city bonds 5,000 00 6,170 00 

Chelsea (Mass.) city bonds .... 17,000 00 19,380 00 

Cambridge (Mass.) city bonds .... 10,000 00 10,500 00 

Hartford (Conn.) city bonds . . . . 10,000 00 11,500 00 

Jeffersonville (Ind.) city bonds .... 7,000 00 7,840 00 

Jacksonville (111.) city bonds .... 5,000 00 5,400 00 

Lawrence (Mass.) city bonds .... 5,000 00 6,050 00 

Lynn (Mass.) city bonds 5,000 00 5,200 00 

Lowell (Mass.) city bonds .... 4,000 00 4,720 00 

Milwaukee (Wis.) city bonds .... 7,500 00 8,450 00 

Minneapolis (Minn.) city bonds . . . 5,000 00 6,250 00 

Portland (Me ) city bonds .... 5,000 00 5,300 00 

St. Louis (Mo.) city bonds . . . .10,000 00 10,600 00 

Salem (Mass.) city bonds 10,000 00 11,800 00 

Delaware and Hudson Canal Company bonds . 5,000 00 6,250 00 

Baltimore and Ohio Railroad bonds . . .10,000 00 11,200 00 

Chesapeake and Ohio Railroad bonds . . 10,000 00 10,000 00 

Chicago, Burlington, and Quincy R.R. bonds . 16,500 00 21,450 00 

Chicago and Alton Railroad bonds . . . 5,000 00 5,550 00 

Chicago and Eastern Illinois Railroad bonds . 5,000 00 5,200 00 

Central Pacific Railroad land grant bonds . . 10,000 00 10,500 00 

Central Pacific Railroad first mortgage bonds . 7,000 00 8,120 00 

Central New Jersey Railroad bonds . . . 6,000 00 6,770 00 



1881.] WITH GUARANTEE CAPITAL. 69 

Tar value. Market valnc. 

Denver, So. Pk., and Pacific Railroad bonds . $7,000 00 $7,210 00 

Eastern Railroad bonds 21,000 00 22,260 00 

Lehigh Valley Railroad bonds .... 5,000 00 6,000 00 

Scioto Valley Railroad bonds' .... 6,000 00 6,300 00 

Terre Haute and South-Eastern R.R. bonds . 5,000 00 5,000 00 

Union Pacific Railroad bonds . . . .15,000 00 17,550 00 

Vermont Cent, and Vt. and Can. R.R. bonds . 2,000 00 1,000 00 

31 shares Old Colony Railroad . . . 3,100 00 3,875 00 

50 " Portland, Portsmouth, and Saco R.R. 5,000 00 5,800 00 

100 " Pittsb'g, Ft. Wayne, and Chi. R.R. . 10,000 00 13,500 00 

39 " National Exchange Bank, Salem . 3,900 00 4,680 00 
10 " First National Bank, Salem . . 1,000 00 1,200 00 
35 " Mercantile National Bank, Salem . 3,500 00 4,200 00 
41 " Naumkeag National Bank, Salem . 4,100 00 6,355 00 

140 M Salem National Bank, Salem . . 14,000 00 16,800 00 

30 " Atlantic National Bank, Boston . 3,000 00 4,500 00 

50 " National Bank of Republic, Boston . 5,000 00 6,250 00 

15 " Blackstone National Bank, Boston . 1,500 00 1,695 00 

50 " Freeman's National Bank, Boston . 5,000 00 5,925 00 

30 " Globe National Bank, Boston . . 3,000 00 3,330 00 

100 " Merchants' National Bank, Boston . 10,000 00 14,500 00 

30 " National Revere Bank, Boston . . 3,000 00 3,480 00 

100 " Second National Bank, Boston . . 10,000 00 15,000 00 

40 " Shoe and Leather Nat'l Bank, Boston, 4,000 00 4,400 00 
10 " Beverly National Bank, Beverly . 1,000 00 1,250 00 
20 " So. Danvers National Bank, Peabody, 2,000 00 3,100 00 



$415,100 00 $483,010 00 

Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $40,000 00 
Loans on mortgage of real estate (first liens) . 17,000 00 
Stocks, bonds, etc., as per schedule . . 483,010 00 
Loans on personal security .... 17,107 11 

Cash in the office of the company . . . 1,787 30 
Cash deposited in the Salem National Bank . 4,246 39 
Premiums in course of collection (net) . . 1,063 99 

Interest accrued 4,404 87 

Rents due . . . . . . . . . 37 50 

Gross assets $568,657 16 

Liabilities. 
Unearned premiums on outstanding risks . $135,944 31 
Return premiums on cancelled policies . . 76 37 
Dividends of profits due on terminated policies, 755 06 

Gross liabilities 136,775 74 

Surplus as regards policy-holders . . . $431,881 42 
Guarantee capital . 100,000 00 

Surplus over guarantee capital .... $331,88142 



70 



MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



Income. 

Gross cash premiums received during the year, $83,666 78 

Deduct return premiums 1,880 17 

Net cash premiums received .... $81,786 61 

Received for interest on mortgages 1,250 00 

for interest from all other sources . . . 24,579 74 

for rents 2,986 48 

Deposit notes received during the year . $82,862 82 

Gross cash income $110,602 83 

Expenditures. 

Paid for losses during the year $14,478 83 

for brokerage and commissions 12,423 33 

for salaries and fees of officers and employes . . 8,808 00 

for dividends on guarantee capital .... 7,000 00 

for state and local taxes 1,292 76 

for profits or surplus on terminated policies . . 29,903 89 

for incidental expenses 2,016 45 

Gross cash expenditures $75,923 26 

Miscellaneous. ' 

Risks outstanding Dec. 31, 1880 . . $19,418,327 00 
Risks written during 1881 .... 6,656,640 00 



Total . 
Risks terminated during 1881 



-$26,074,967 00 
. 6,395,746 00 



Net amount in force Dec. 31, 1881 .... $19,679,221 00 
Deposit notes received on outstanding risks . . . 272,781 86 

Losses incurred during the year 14,478 83 

Whole amount of net profits reserved for the security of the insured as 

required by sect. 11, chap. 375, Acts of 1872, $82,970.35. 
Rate of interest actually realized upon the investments of the guaran- 
tee capital, 5 t 2 q 2 ¥ per cent. 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced busineBS Jan. 1, 1873.] 

Guarantee Capital, $200,000. 

Office, 28 State Street. 

Charles B. Cumings, President. John M. Corbett, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

150 shares Tremont National Bank . . $15,000 00 $17,850 00 

80 " Hamilton National Bank . . . 8,000 00 9,180 00 

100 " Merchants' National Bank . . 10,000 00 14,500 00 



1881.] 



WITH GUARANTEE CAPITAL. 



71 



Par value. 

70 shares National Union Bank . . . $7,000 00 
160 " New England National Bank . . 16,000 00 
100 " Columbian National Bank . . 10,000 00 

25 " Globe National Bank . . . 2,500 00 

100 " National Webster Bank . . .10,000 00 

50 " Boston and Maine Railroad . . 5,000 00 

Eastern Railroad bonds 16,000 00 

Nashua and Rochester Railroad bonds . . 10,000 00 
Michigan Central Railroad bonds . . . 10,000 00 
Boston and Lowell Railroad bonds . . . 10,000 00 
Burlington and Missouri River R.R. bonds . 17,800 00 
Chicago, Clinton, Dub., and Minn. R.R. bonds, 10,000 00 



Market value. 

$10,500 00 
22,440 00 
13,800 00 

2,775 00 
11,225 00 

7,425 00 
16,920 00 
10,075 00 
10,830 00 
10,500 00 
19,343 00 
10,600 00 



$157,300 00 $187,963 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $22,100 00 
Loans on mortgage of real estate (first liens) . 93,000 00 
Stocks, bonds, etc., as per schedule . . 187,963 00 
Cash deposited in the New England Trust Co. . 10,617 06 
Premiums in course of collection (net) . . 956 62 

Interest due and accrued 3,787 37 

Gross assets 



$318,424 05 



Liabilities. 

Unearned premiums on outstanding risks . 
Return premiums on cancelled policies 
Dividends of profits due on terminated policies 
Gross liabilities 

Surplus as regards policy-holders . 
Guarantee capital 



$59,394 78 
39 80 
1,029 09 



Surplus over guarantee capital 



60,463 67 

$257,960 38 
200,000 00 

$57,960 38 



Income. 

Gross cash premiums received during the year, $17,993 75 
Deduct return premiums ..... 1,287 45 
Net cash premiums received 
Received for interest on mortgages 

for interest from all other sources 

for rents 



Gross cash income .... 

Expenditures. 
Paid for losses during the year .... 
for brokerage and commissions . 
for salaries and fees of officers and employes 



$16,706 30 
6,358 06 
8,841 87 
1,293 14 

$33,199 37 



$2,279 79 
1,601 44 
9,931 91 



72 MASS. MUTUAL FIRE INS. COS. [Dec. 31, 



Paid for interest on borrowed money 

for state and local taxes .... 

for profits or surplus on terminated policies 
for rents ....... 

for incidental expenses .... 

for dividends on guarantee capital 

Gross cash expenditures .... 



$110 84 
3,026 94 
2,4^1 83 
2,000 00 
1,831 25 
14,000 00 

$37,224 00 



Miscellaneous. 



Risks outstanding Dec. 31, 1880 
Risks written during 1881 . 

Total . 
Risks terminated during 1881 . 



$15,402,297 00 
2,329,954 00 



-$17,732,251 00 
. 1,566,105 00 



$16,166,146 00 
1,929 79 



Net amount in force Dec. 31, 1881 

Losses incurred during the year 

Percentage of profits or surplus returned during 1881, 25 per cent. 

Average rate to date, 20^^ per cent. 

Whole amount of net profits reserved for the security of the insured, 

$12,366 98. 
Rate of interest realized on investments of guarantee capital, Oyfo per 

cent. 



1881.] 



WITH GUARANTEE CAPITAL. 



73 



AGGREGATE. 



Assets. 
Gross present assets 

Liabilities. 
Gross present liabilities 

Income. 
Cash received for premiums during the year . 
for interest and dividends 
from all other sources .... 


$300,000 00 

$887,081 00 

$197,240 00 

$98,493 00 

41,030 00 

4,279 00 


Gross cash income 

Expenditures. 

Cash paid for losses 

for brokerage and commission on premiums . 
for salaries and fees of officers and employes . 
for dividends ....... 

for state and local taxes .... 

for return of profits or surplus 

for all other expenditures .... 


$143,802 00 

$16,759 00 
14,024 00 
18,740 00 
21,000 00 

4,320 00 
32,346 00 

5,958 00 


Gross cash expenditures 

General Items. 
Risks written during the year 

terminated during the year 

outstanding at end of year ..... 
Losses incurred during the year ..... 
Net profits reserved . 


$113,147 00 

$8,986,594 00 
7,961,851 00 

35,845,367 00 
16,409 00 
95,337 00 



10 



MASSACHUSETTS 

MUTUAL MAKINE AND FIRE-IAKINE 
INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1881. 



76 



MASS. MUTUAL MARINE AND [Dec. 31, 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BOYLSTON MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 8, 1873.] 

Whole amount of guarantee fund 8557,200 00 

Paid xip in cash 557,200 00 

Outstanding scrip not ordered to be redeemed 78,410 00 

J. W. Balch, President. Washington Glover, Secretary. 

Office, No. If.5 State Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

250 shares Merchants' National Bank, Boston, $25,000 00 



200 

100 

300 

300 

300 

200 

17 

67 

50 

300 

250 



State National Bank, Boston . . 20,000 00 
Merchandise National Bank, Boston, 10,000 00 



Republic National Bank, Boston . 30,000 00 
Washington National Bank, Boston . 30,000 00 
Columbian National Bank, Boston . 30,000 00 
Tremont National Bank, Boston . 20,000 00 
New England Nat'l Bank, Boston . 1,700 00 
Revere National Bank, Boston . . 6,700 00 
Boston and Albany Railroad . . 5,000 00 
Boston and Providence Railroad . 30,000 00 
Fitchburg Railroad .... 25,000 00 
Boston and Providence Railroad bonds . 100,000 00 

Framingham and Lowell Railroad bonds . . 25,000 00 
Cedar Rapids and Missouri River R.R. bonds . 4,500 00 
New England Mortgage Security Co. bonds . 10,000 00 
United States bonds 51,000 00 



Market value. 

$36,250 00 

25,400 00 

10,500 00 

37,500 00 

41,700 00 

41,400 00 

23,800 00 

2,380 00 

7,839 00 

8,100 00 

48,300 00 

33,500 00 

125,000 00 

23,250 00 

5,400 00 

10,500 00 

58,140 00 



$423,900 00 $538,959 00 



Securities held as collateral for cash loans: — 

Market value. Loaned thereon 

United States bonds, 4£s $570 00 $400 00 

100 shares First National Bank, Concord (N.H.), 17,500 00 13,000 00 

188 " Ocean Mills Company . . . 23,500 00 20,000 00 



1881.] FIRE-MARINE INSURANCE COS. 77 

Market value. Loaned thereon. 

105 shares Roxbury Mill Corporation . $10,500 00 ") 

50 " Bloomsburg Iron Company . . 7,500 00 > ^g qqq qq 
52 " Ocean Mills Company . . . 6,500 00 f 
150 " Lake Superior Iron Company . . 11,250 00 J 
Atchison, Topeka, and Santa Fe R.R. bonds . 22,680 00 20,000 00 

Eastern Railroad bonds 21,400 00 \ 

City of Cairo bonds 2,200 00 £• 21,000 00 

United States bonds 1,140 00 > 



$124,740 00 $92,400 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $20,000 00 
Loans on mortgage of real estate (first liens*), 175,500 00 
Interest due or accrued thereon .... 3,263 81 
Stocks, bonds, etc., as per schedule . . 538,959 00 
Loans on collateral security as per schedule . 92,400 00 
Cash in the office of the company . . . 4,408 04 
Cash deposited in Washington National Bank . 18,183 35 
Interest due and accrued ..... 544 38 
Premiums in course of collection (gross) . . 19,091 16 
Notes taken for marine and inland risks . . 37,083 64 

Gross assets $909,433 38 

Liabilities. 

Losses claimed and reported . . . $52,500 00 
Losses disputed or resisted .... 6,500 00 



Total amount of losses .... $59,000 00 

Unearned premiums on outstanding risks . 114,304 69 
Interest due or accrued on scrip . . . 577 80 

Due and accrued for rents, salaries, etc. . . 500 00 
Commissions and brokerage .... 600 00 

Return premiums ...... 100 00 

Re-insurance ....... 300 00 

Gross liabilities, except guarantee fund and 

scrip 175,382 49 



Surplus as regards policy-holders .... $734,050 89 

Guarantee fund $557,200 00 

Scrip outstanding not ordered to be redeemed . 78,410 00 



635,610 00 



Surplus over guarantee fund and scrip . . . $98,440 89 



* Value of lands mortgaged $165,000 00 

Value of buildings thereon 153,800 00 

Amount of insurance held as collateral . . . 132,500 00 



78 



MASS. MUTUAL MARINE AND [Dec. 31, 



Income. 
Cash received for fire premiums . . $141,031 43 

Deduct re-insurance and return premiums, 32,803 90 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $265,609 48 
Deduct re-insurance and return premiums, 48,535 76 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Income from profit and loss account and rents . 

Income from profit on stocks sold ..... 

Gross cash income ....... 



$108,227 53 



$217,073 72 

40,844 57 

1,164 31 

3,178 38 

$370,488 51 



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 ..... 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for rent ..... 

for agency and incidental expenses 

Gross cash expenditures 



Risks and Premiums. 



$94,919 77 
18,047 68 

$243,271 26 
68,544 97 



$76,872 09 



$174,726 29 
66,864 00 

4,310 40 
38,535 74 
24,750 00 
10,321 26 

5,000 00 
13,878 60 

$415,258 38 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$191,896 14 
136,801 83 

$328,697 97 
135,834 85 

$192,863 12 
12,993 17 

$17,635,920 00 $179,869 95 



$18,605,345 00 
17,240,540 00 

$35,845,885 00 
17,210,930 00 

$18,634,955 00 
999,035 00 



857,136 63 
256,767 35 

$313,903 98 
275,667 28 

$38,23$ 70 
4,835 31 

$999,552 00 $33,401 39 



$5,450,053 00 
27,261,009 00 

$32,711,062 00 
31,410,442 00 

§1,300,620 00 
301,068 00 



1881.] 



FIRE-MARINE INSURANCE COS. 



79 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$,089,762 87 

1,734,314 07 

631,072 00 

66,864 00 

76,222 09 

195,376 29 

28,000 00 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 

William Perkins, President. George L. Deblois, Secretary. 

Office, No. 52 State Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 



United States bonds, 4s 

Town of Brookline bonds . 

Town of Beverly bonds 

Eastern Railroad bonds 

100 shares Atlas National Bank 

100 ' 

100 « 

300 < 

300 < 



$20,000 00 

. 10,000 00 

. 20,000 00 

. 10,000 00 

. 10,000 00 

. 5,000 00 

. 10,000 00 

. 30,000 00 



16 
120 
100 
300 
200 

30 
350 
100 
300 
150 
200 
120 

48 



Boston 
Old Boston National Bank, Boston 
Continental National Bank, Boston 
Columbian National Bank, Boston 
Hide and Leather Nat'l Bank, Boston, 30,000 00 
Massachusetts National Bank, Boston, 4,000 00 
North National Bank, Boston . . 12,000 00 
New England National Bank, Boston, 10,000 00 
Republic National Bank, Boston . 30,000 00 
Second National Bank, Boston . . 20,000 00 
State National Bank, Boston . . 3,000 00 
Tremont National Bank, Boston . 35,000 00 
Webster National Bank, Boston . 10,000 00 

Washington National Bank, Boston . 30,000 00 
Commerce National Bank, Boston . 15,000 00 
Boston and Albany Railroad . . 20,000 00 
Boston and Providence Railroad . 12,000 00 
Boston and Lowell Railroad . . 24,000 00 

620 00 



Insurance scrip of other companies 



Securities held as collateral for cash loans: 

Boston and Lowell Railroad Company note, 
New England Mortgage Security Co. bond 
Individual notes ..... 

20 shares Boston Gas-Light Company 



Market value. 

$23,400 00 
13,200 00 
21,000 00 
10,500 00 
12,100 00 

6,100 00 
11,700 00 
41,400 00 
34,200 00 

4,800 00 
16,680 00 
14,000 00 
37,500 00 
30,000 00 

3,810 00 
41,300 00 
11,200 00 
41,700 00 
19,350 00 
32,800 00 
19,200 00 
25,440 00 
500 00 



$370,620 00 $471,880 00 



Market value. 

$25,250 00 

. 1,040 00 

. 6,792 00 

. 15,800 00 



Loaned thereon. 

$25,000 00 

7,500 00 

10,000 00 



80 



MASS. MUTUAL MARINE AND [Dec. 31, 



Market value. 

Boston, Concord, and Montreal Railroad bonds. $6,420 00 
200 shares Chicago, Burlington, and Quincy R.R. 27,200 00 ' 

Corporation note 20,500 00 . 

250 shares Union Pacific Railroad . . . 30,500 00 
Burlington and Mo. River R.R. in Neb. bond . 5,520 00 
Atchison, Top., and Santa Fe land grant bonds, 4,680 00 
Concord and Montreal Railroad bonds . . 4,720 00 * 

Corporation notes 143,854 90 

Loans on personal security .... 34,987 16 



Loaned thereon. 

$6,000 00 
40,000 00 

25,000 00 

12,500 00 

143,854 90 
34,987 16 



$327,264 06 $304,842 06 



Summary of Assets Dec. 31, 1881. 

Stocks, bonds, etc , as per schedule . . $471,880 00 

Loans on collateral security as per schedule, 304,842 06 

Cash deposited in Columbian Nat'l Bank . 57,305 92 

Interest due and accrued .... 2,103 60 

Premiums in course of collection (gross) . 87,729 33 

Notes taken for marine and inland risks . 202,242 77 

Premiums more than three months due . 9,375 00 

Gross assets 

Liabilities. 

Losses claimed and reported . . . $65,000 00 
Unearned premiums on outstanding risks . 184. S03 34 
Interest due or accrued on scrip .... 682 80 
Due and accrued for rent, etc. .... 1,000 00 
Commissions and brokerage .... 500 00 
Gross liabilities, except scrip . . 

Surplus as regards policy-holders .... 
Scrip outstanding not ordered to be redeemed . 

Surplus over scrip ...... 

Income. 

Cash rec'd for marine and inland premiums, $364,450 75 
Deduct re-insurance and return premiums, 42,201 14 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Income from profit and loss account 

Gross cash income 



$1,126,103 68 



Expenditures. 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses, 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage . ' 



$257,141 82 
28,663 51 



251,986 14 

$874,117 54 
643,930 00 

$230,187 54 



$322,249 61 

34,816 23 

3,456 71 

$360,522 55 



$228,478 31 
33,694 80 
17,951 86 



1881.] FIRE-MARINE INSURANCE COS. 81 

Cash paid for salaries of officers and employes . . . $20,040 00 

for state and local taxes 3,660 13 

for rent and incidentals ..... 10,106 07 



Gross cash expenditures ...... $313,931 17 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$8,455,623 00 $177,324 49 
24,617,708 00 357,551 00 



$33,073,331 00 $534,875 49 
23,917,917 00 345,351 11 



(,155,414 00 $189,524 38 
222,000 00 4,721 04 



!,933,414 00 $184,803 34 



Miscellaneous. 

Premiums received from organization of company . $11,618,00000 

Losses paid from organization of company . . . 7,466,142 00 

Cash dividends declared from organization of company . 2,330,675 00 

Marine and inland losses incurred during the year . . 257,142 00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 22, 1867.] 

"Whole amount of guarantee fund $93,600 

Paid up in subscription notes . 93,600 

Outstanding scrip not ordered to be redeemed ^ 156,272 

John H. Dane, President. William L. Caverly, Secretary. 

Office, No. 49 State Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $5,000 00 $5,850 00 

Old Colony Railroad bonds .... 10,000 00 12,700 00 

Boston and Maine Railroad bonds . . . 5,000 00 6,300 00 

Boston and Albany Railroad bonds . . . 2,000 00 2,520 00 

Fitchburg Railroad bonds 23,000 00 27,910 00 

New York and New England Railroad bonds . 5,000 00 5,900 00 

Highland Street Railroad bonds . . . 2,000 00 2,320 00 

Metropolitan Railroad bonds .... 7,000 00 7,770 00 

Boston and Lowell Railroad bonds . . . 5,000 00 5,650 00 

Framingham and Lowell Railroad bonds . . 10,000 00 9,800 00 

Nashua and Rochester Railroad bonds . . 15,000 00 15,000 00 

New England Mortgage Security Co. bonds . 6,000 00 6,300 00 

100 shares Boston and Maine Railroad bonds . 10,000 00 15,000 00 

11 



82 



MASS. MUTUAL MARINE AND [Dec. 31, 



150 shares Old Colony Railroad bonds 
75 " Boston and Providence R.R. bonds 
60 " National Webster Bank . 
15 "" National Hamilton Bank . 

Delaware Mutual Safety scrip . 



Par value. 

$15,000 00 
. 7,500 00 
. 6,000 00 
. 1,500 00 
95 00 



Market value. 

$18,750 00 

12,075 00 

6,720 00 

1,725 00 

90 00 



$135,095 00 $162,380 00 



Summary of Assets Dec. 31, 1881. 



Stocks, bonds, etc., as per schedule . 

Cash in the office of the company 

Cash deposited in Market National Bank 

Interest due and accrued . 

Notes taken for marine and inland risks 



Subscription notes on time not exceeding twelve 



. 93,600 00 



$9,225 00 

4,500 00 

59,843 72 

168 54 

625 00 

15,000 00 



months, not yet due 

Gross assets .... 

Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 

Unearned premiums on outstanding risks 

Interest due or accrued on scrip 

Due and accrued for rent, salaries, etc. 

Due for borrowed money . 

Gross liabilities, except guarantee fund 
and scrip .... 

Surplus as regards policy-holders 

Guarantee fund $93,600 00 

Scrip outstanding not ordered to be redeemed, 156,272 00 



Deficiency of scrip reserve 

Income. 

Cash rec'd for marine and inland premiums, $125,072 64 
Deduct re-insurance and return premiums, 10,642 69 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 
Income from all other sources . . . 

Gross cash income 



$162,380 00 

560 42 

. 7,251 64 

. 1,197 50 

. 65,426 88 



Expenditures. 
Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses, 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage . 



$133,311 77 
5,559 28 



$330,416 44 



89,362 26 
$241,054 18 



249,872 00 

$8,817 82 



$114,429 95 

8,267 97 
1,042 92 

$123,740 84 



$127,752 49 
8,595 66 
5,218 33 



1881.] 



FIRE-MARINE INSURANCE COS. 



83 



Cash paid for salaries of officers and employes . 
for state and local taxes 
for rent and incidentals 

Gross cash expenditures .... 
Risks and Premiums. 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force .... 



$1,693,278 00 
4,986,456 00 



$10,500 00 
1,090 27 
5,378 91 

$158,535 66 



Premiums. 

$78,125 88 
105,198 65 



^6,679,734 00 $183,324 53 
5,681,781 00 121,066 59 



$997,953 00 
50,297 00 



$62,257 94 
2,414 22 



$947,656 00 $59,843 72 



Miscellaneous. 

Premiums received from organization of company . "* . $2,106,794 87 

Losses paid from organization of company . . . 1,330,350 87 

Marine and inland losses incurred during the year . . 115,696 55 



84 MASS. M. M. AND F.-M. INS. COS. [Dec. 31, '81. 



AGGREGATE. 



Whole amount of guarantee fund .... 

in cash 

in subscription notes 

of outstanding scrip not cancelled . 

Assets. 
Gross present assets 

Liabilities. 
Gross present liabilities 

Income. 
Cash received during the year for fire premiums 

during the year for marine premiums 
for interest and dividends 
from all other sources 


• 
• 

• 


$650,800 00 

557,200 00 

93,600 00 

878,612 00 

$2,365,953 00 

$516,730 00 

$108,228 00 

653,754 00 

83,929 00 

8,843 00 


Gross cash income 

Expenditures. 
Cash paid during the year for fire losses 
t during the year for marine losses . 

for brokerage and commissions on premiums . 
for salaries of officers and employes 
for interest and dividends to subscribers and 
members ....... 

for state and local taxes ..... 

for redemption of scrip 

for interest p'd to scrip-holders during the year, 
for incidental expenses 


$854,754 00 

$76,872 00 

530,956 00 

51,708 00 

55,290 00 

66,864 00 
15,071 00 

46,601 00 
34,364 00 


Gross cash expenditures . 

General Items. 
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 
Fire losses incurred during the year 
Marine losses incurred during the year . 
Scrip dividends declared during the year 


» 






$877,726 00 

$17,240,540 00 

136,802 00 

56,865,173 00 

709,517 00 

17,210,930 00 

61,010,140 00 

17,635,920 00 

10,880,622 00 

76,222 00 

56S,215 00 

90,565 00 



MASSACHUSETTS 

JOINT-STOCK FIEE, MARINE, AND FIRE-MARINE 
INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1881. 



86 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced businese June, 1818.] 

Paid-up Capital, $300,000. 

Francis Peabody, President. J. W. Field, Secretary. 

Office, No. 54 State Street. 



Detailed Statement of Stocks 



444 shares Old Boston National Bank 
200 " Columbian National Bank 

45 " National Eagle Bank 
170 " Globe National Bank 
142 " Hamilton National Bank . 

62 " New England National Bank 
100 " Suffolk National Bank . 
152 " State National Bank 
280 " National Union Bank 
406 " Boston and Albany Railroad 

13 " Boston and Lowell Railroad 
8 " Merrimack Manufacturing Co. 
Boston and Albany Railroad bonds . 
Chicago, Burlington, and Quincy R.R. bonds 



, 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 
. 40,600 00 
. 6,500 00 
. 8,000 00 
. 35,000 00 
. 50,000 00 



Market value. 

$27,417 00 
27,600 00 

5,355 00 
18,870 00 
16,330 00 

8,695 50 
12,000 00 
19,304 00 
42,000 00 
66,178 00 

6,825 00 
14,800 00 
44,100 00 
44,000 00 



$277,400 00 §353,474 50 



Securities held as collateral for cash loans : — 



Market value. 

. 85,800 00 



Kansas City, St. Jo., and C. B. R.R. bonds 
Galveston, Harrisb'g, and San An. R.R. bonds, 53,500 00 ) 

. 3,420 00 ) 



Oregon Railroad bonds .... 
200 shares Iowa Falls and Sioux City R.R. 



. 16,600 00 



Loaned thereon. 

$4,100 00 

48,000 00 

9,513 54 



$79,320 00 $61,613 54 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . 864,000 00 
Stocks, bonds, etc., as per schedule . . 353,474 50 
Loans on collateral security as per schedule, 61,613 54 



1881.] AND FIRE-MARINE INSURANCE COS. 87 



Cash in office of the company .... $514 95 
Cash deposited in Old Boston National Bank . 40,341 97 

Interest due and accrued 2,668 21 

Premiums in course of collection (gross) . . 2,768 53 
Notes taken for marine and inland risks . . 54,621 77 
Rents due and accrued ..... 263 17 
Premiums more than three months due, $935 17 

Gross assets 



$580,266 64 



Liabilities. 

Losses claimed and reported . . . $26,804 24 
Losses disputed or resisted .... 5,000 00 

Unearned premiums on outstanding risks . 112,682 60 
Dividends to stockholders unpaid . . . 185 00 
Re-insurance due ...... 1,353 92 

Gross liabilities, except capital . . . 

Surplus as regards policy-holders .... 
Paid-up capital . . . 

Surplus over capital ...... 



146,025 76 

$434,240 88 
300,000 00 

$134,240 88 



Income. 

Cash received for fire premiums . . $57,630 50 

Deduct re-insurance and return premiums . . 5,612 05 

Net cash received for fire premiums . . . 

Cash rec'd for marine and inland premiums, $141,264 85 
Deduct re-insurance and return premiums . . 16,953 89 

Net cash rec'd for marine and inland prem's . 

Unpaid premium notes received during the year, $47,063 23 

Interest and dividends received from all sources 

Income from rents ........ 

Gross cash income .... 



Expenditures. 

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 . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes . 

for incidentals .... 



$52,018 45 



124,310 96 

19,498 02 
1,243 75 



• • 


$197,071 18 


• • 


$22,884 47 


38,173 50 




9,786 83 






78,386 67 
29,930 00 






16,700 36 




15,393 48 




5,381 33 




6,332 27 



Gross cash expenditures 



$175,008 58 



88 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$7,729,385 00 
9,826,217 00 

$17,555,602 00 
7,994,093 00 

$9,561,509 00 
344,357 00 



Premiums. 

$62,562 30 
56,301 94 

$118,864 24 
40,780 22 

$78,084 02 
3,173 06 



),217,152 00 $74,910 96 



$3,873,099 00 
7,483,846 00 

$11,356,945 00 
6,015,449 00 

$5,341,496 00 
22,166 00 



$59,994 75 
110,119 94 

$170,114 69 
85,038 38 

$85,076 31 
1,157 32 



$5,319,330 00 $83,918 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 (10 per cent) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



£8,150,000 00 
5,820,000 00 
2,565,000 00 
30,000 00 
33,288 05 
76,348 33 
12,900 00 



BEVERLY INSURANCE COMPANY, BEVERLY.* 

[Incorporated March, 1852. Commenced business January, 1853.] 

Paid-up Capital, $50,000. 

Charles A. Fuller, President. E. Whitney, Secretary. 

Office, 1+8 Devonshire Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 



Beverly National Bank, Beverly 
Naumkeag National Bank, Salem 
Merchants' National Bank, Salem 
Mercantile National Bank, Salem 
First National Bank, Salem 
Grand National Bank, Marblehead 
Hide and Leather National Bank, Boston 



112,200 00 
. 16,000 00 
. 3,350 00 
. 5,000 00 
500 00 
. 1,700 00 
. 2,000 00 



£15,372 00 
12,800 00 
4,690 00 
6,000 00 
600 00 
2,040 00 
2,300 00 



* The risks of this company were re-insured in the Shoe and Leather Insurance Company, 
Oct. 27, 1881. 



1881.] AND FIRE-MARINE INSURANCE COS. 89 



Revere National Bank, Boston . 
Eagle National Bank, Boston 
Merchants' National Bank, Boston . 
Portsmouth, Great Falls, and Conway R.R. 



Par value. 


Market value. 


. $3,000 00 


$3,540 00 


500 00 


600 00 


200 00 


290 00 


100 00 


25 00 


$44,550 00 


$48,257 00 



Summary of Assets Dec. 31, 1881. 



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

Liabilities 

Losses claimed and reported 

Gross liabilities except capital 

Surplus as regards policy-holders 
Paid-up capital 



Impairment of capital . 



$48,257 00 

. 386 57 

600 00 

137 50 



$925 00 



$49,381 07 



925 00 



$48,456 07 
50,000 00 

$1,543 93 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

Ransom B. Fuller, President, Thomas H. Lord, Secretary. 

Office, No. 17 Stale Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $200,000 00 $233,000 00 

Atlantic and Pacific Railroad bonds . . 112,500 00 105,750 00 

New Mexico and So. Pacific Railroad bonds . 30,000 00 34,800 00 

Boston and Albany Railroad bonds . . . 20,000 00 25,400 00 

Atchison, Topeka, and Santa Fe R.R. bonds . 5,000 00 5,150 00 

Boston city bonds ...... 75,000 00 90,000 00 

Cambridge city bonds 27,000 00 27,945 00 

Bangor city bonds 10,000 00 11,225 00 

Atchison, Topeka, and Santa Fe R.R. stock, 172,500 00 163,443 75 

Chicago, Bnrlington, and Quincy R.R. stock . 50,000 00 77,090 00 

Union Pacific Railroad stock .... 53,000 00 62,010 00 

Toledo, Cincinnati, and St. Louis R.R. stock . 47,500 00 47,500 00 

Iron Railroad stock 25,000 00 25,000 00 

*2 



90 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Tar value. 

Louisville, Xew Albany, and St. Louis R.R. stock, $9,170 10 
Hoosac Tunnel Dock and Elevator Co. stock . 5,000 00 
Merchandise National Bank stock . . . 10,000 00 



Market value. 

80,170 10 

5,000 00 

10,850 00 



$851,670 10 1933,333 85 



Securities held as collateral for cash loans : — 



Market value. Loaned thereon. 



Toledo, Cincinnati, and St. Louis R.R. bonds 



Mutual Union Telegraph stock . 
Iron Mountain Railroad bonds . 
Atchinson, Topeka, and Santa Fe R.R. stock J 
Chicago, Burlington, and Quincy R.R. bonds . 
Iron Mountain Railroad bonds . . . ■» 
Toledo, Delphos, and Burlington R.R. bonds, f 
Toledo, Cincinnati, and St. Louis R.R. bonds, j 
Toledo, Delphos, and Burlington R.R. bonds, \ 
Detroit, Hillsdale, and So. West R.R. stock, j 
American Fire Hose Manufacturing Co. stock, ) 
Hallowell Granite Company stock 
Mexican Central Railroad bonds 
American Loan and Trust Company stock 
United States bonds ...... 

Bodwell Granite Company stock . 

Mutual L'nion Telegraph Company stock . 

Iowa Central Railroad stock . 

Xew Mexico and Southern Pacific R.R. bonds . 

Bodwell Granite Company stock 

Toledo, Cincinnati, and St. Louis R.R. bonds \ 

Iron Mountain Railroad bonds > 

Mutual Union Telegraph bonds ) 

L'nited States bonds . 

Iron Railroad bonds . 

Toledo, Cincinnati, and St 

Iron Railroad bonds . 

Chicago sewerage bonds 

Sanford Steamship Company stock 

South Boston Gas Company stock 

South Boston Gas Company stock 



$76,280 00 160,000 00 



44,500 00 
35,000 00 



21,300 00 

30,000 00 

15,480 00 

10,500 00 

11,850 00 

13,050 00 

8,000 00 

9,000 00 

5,800 00 

7,500 00 

5,600 00 



Louis R.R. bonds 



44,500 00 
34,500 00 



52,500 00 45,000 00 



20,000 00 

20,000 00 

15,000 00 

10,000 00 

10,000 00 

8,300 00 

5,400 30 

5,000 00 

5,000 00 

5,000 00 

5,000 00 



• 


4.740 00 


4,000 00 


. 


5,000 00 


4,000 00 


• 


3,750 00 


3,000 00 


} 


3,000 00 


2,420 00 




3,500 00 


1,500 00 


. 


5.750 00 


1,500 00 


• 


1.150 00 


1,000 00 



§373,250 00 $310,120 30 



Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens*), §12S,404 00 
Stocks, bonds, etc., as per schedule . . 933,333 S5 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$206,000 00 
9S,200 00 



1881.] AND FIRE-MARINE INSURANCE COS. 91 



Loans on collateral security as per schedule, 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Gross assets .... 

Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$310,120 30 

383,861 03 

9,168 33 

153,542 50 

448,105 17 



$2,366,535 18 



$20,847 47 
266,760 00 
653,158 92 



940,766 39 



$1,425,768 79 
1,000,000 00 



Surplus over capital 

Income. 

Cash rec'd for marine and inl'd premiums, $1,404,604 17 
Deduct re-insurance and return premiums, 272,755 32 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Income from profit and loss account ..... 
For increase of capital .... $500,000 00 

Gross cash income 



$425,768 79 



,131,848 85 

69,834 07 

4,628 21 



. • 



,206,311 13 



Expenditures. 

Cash paid for marine and inland losses . $861,411 19 
Deduct salvage and re-insurance . . 175,595* 29 

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 

for incidentals ..... 

Gross cash expenditures .... 

Risks and Premiums. 



$685,815 90 
75,000 00 
77,425 SO 
54,977 16 
26,161 04 
40,637 22 



$960,017 12 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year . . , 
Deduct amount re-insured . . 

Net amount in force . . 



Premiums. 

$453,606 71 
1,528,667 24 



$8,614,418 00 
89,015,644 00 

$97,630,062 00 
83,506,947 00 

$14,123,115 00 
845,025 00 

$13,278,090 00 $653,158 92 



^1,982,273 95 
1,306,445 36 



$675,828 59 
22,669 67 



92 MASS. JOINT-STOCK 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 .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$7,001,018 11 

4,046,467 92 

330,000 00 

75,000 00 

1,009,566 19 

171,300 00 



COMMONWEALTH INSURANCE COMPANY, BOSTON* 

[Incorporated May 6, 1875. Commenced business May 6, 1875.] 

Paid-up Capital, $500,000. 

Samuel Appleton, President. James Bruerton, Secretary. 

Office, No. 30 Congress Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds $115,000 00 

Vermont and Massachusetts Railroad bonds 
Fitchburg Railroad bonds .... 
67 shares Vermont and Mass. Railroad stock 



108 
30 
41 
38 
11 
11 
4 
45 
83 
42 
50 
30 
5 
62 

100 

80 

7 

4 

41 

100 
56 
65 
70 
18 
25 



Atlas National Bank stock 
Atlantic National Bank stock . 
Columbian National Bank stock 
Eliot National Bank stock 
Everett National Bank stock 
Freeman's National Bank stock 
Globe National Bank stock 
Hamilton National Bank stock . 
Howard National Bank stock . 
Hide and Leather Nat'l Bank stock 
Manufacturers' National Bank stock 
Market National Bank stock 
Massachusetts National Bank stock 
Mt. Vernon National Bank stock 
Merchandise National Bank stock 
Revere National Bank stock 
No. America National Bank stock 
North National Bank stock 
Republic National Bank stock . 
Webster National Bank stock . 
New England National Bank stock 
City National Bank stock . 
State National Bank stock 
Shawmut National Bank stock . 
Shoe and Leather Nat'l Bank stock 



12,100 00 

25,000 00 
6,700 00 

10,800 00 
3,000 00 
4,100 00 
3,800 00 
1,100 00 
1,100 00 
400 00 
4,500 00 
8,300 00 
4,200 00 
5,000 00 
3,000 00 
1,250 00 
6,200 00 

10,000 00 

8,000 00 

700 00 

400 00 

4,100 00 

10,000 00 
5,600 00 
6,500 00 
7,000 00 
1,800 00 
2,500 00 



Market value. 

$132,143 75 

12,342 00 

30,500 00 

8,978 00 

13,068 00 

4,500 00 

5,658 00 

4,740 50 

1,287 00 

1,302 12 

444 00 

5,175 00 

10,292 00 

4,798 50 

5,437 50 

3,150 00 

1,500 00 

8,145 25 

10,500 00 

9,380 00 

791 00 

559 00 

5,125 00 

11,225 00 

7,854 00 

7,962 50 

8,907 50 

2,164 50 

2,750 00 



* The risks of this company were reinsured \n the " Commercial Union," Feh. 11, 1882. 



1881.] AND FIRE-MARINE INSURANCE COS. 93 



54 shares Traders' National Bank stock 
45 " Tremont National Bank stock 

4 " Washington National Bank stock 
10 " People's National Bank stock 
29 " Central National Bank stock 

8 " Faneuil Hall National Bank stock 



Securities held as collateral for cash loans: — 

City of Chicago bonds .... 

13 shares Chic, Burlington, and Quincy R.R. 

10 " Boston and Albany Railroad 

10 " South Boston Gas-Light Company 

Union Pacific Railroad bonds 

City of Boston bonds .... 

Chicago and Eastern Illinois Railroad bonds 

100 shares National Tube Works 

Toledo, Delphos, and Burlington R.R. bond 

5 shares Highland Street Railway . 

3 

150 

78 

7 
100 
121 

1 



Hamilton Woolen Company 

Washington Mills 

Hill Manufacturing Company 

Atlas National Bank 

Atlantic Cotton Mills 

Washington Mills 

Otis Manufacturing Company 



Par value. 


Market value. 


. |5,400 00 


$5,265 00 


. 4,500 00 


5,355 00 


. 400 00 


558 00 


. 1,000 00 


1,600 00 


. 5,800 00 


5,800 00 


800 00 


1,026 00 


$290,050 00 


$340,284 12 


Market value. 


Loaned thereon. 


. $3,753 75 


$3,000 00 


. 1,764 75^ 




. 1,640 00 


, 10,000 00 


. 1,140 00 


. 8,470 00 j 




. 4,990 00 ) 
. 2,100 00 j 


5,000 00 




. 19,700 00 


10,000 00 


. 725 00 


500 00 


. 700 00 


600 00 


. 525 75' 




. 12,750 00 




. 8,112 00 




840 00 


>■ 40,500 00 


. 17,500 00 




. 10,285 00 




. 1,250 00 - 




$96,246 25 


$69,600 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $10,000 00 
Loans on mortgage of real estate (first liens*), 199,650 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 

Cash deposited in Merchandise National Bank 

Interest accrued 

Premiums in course of collection (gross) . 
Rents due and accrued . ... 

Gross assets 



. 1,635 17 

340,284 12 

69,600 00 

314 34 

64,976 76 

2,176 44 

46,413 65 

66 67 



$735,117 15 



* Value of lands mortgaged $231,800 00 

Value of buildings thereon 151,000 00 

Amount of insurance held as collateral . . . 130,550 00 



94 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



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 



$24,697 25 
. 14,491 99 
. 1,350 00 

$40,539 24 
. 1,900 00 

$38,639 24 
171,753 95 
. 9,282 72 



Surplus over capital 



Income. 

Cash received for fire premiums . . $364,019 65 

Deduct re-insurance and return premiums . . 68,607 35 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income 



$219,675 91 

$515,441 24 
500,000 00 

$15,441 24 



$295,412 30 

10,475 70 

23,342 93 

800 03 

$330,030 96 



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 rent ..... 

for incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$206,582 76 
5,284 04 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$28,918,814 00 
36,662,096 00 

$65,580,910 00 
33,235,996 00 

$32,344,914 00 
1,193,434 00 



$201,298 72 
15,000 00 
51,320 72 
19,150 00 
11,523 10 
4,000 00 
17,298 74 

$319,591 28 



Premiums. 

$328,376 13 
367,004 71 

$695,380 84 
323,961 84 

$371,419 00 
25,162 54 



$31,151,480 00 $346,256 46 



1881.] AND FIRE-MARINE INSURANCE COS. 95 



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 (3 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



.,582,154 71 
716,404 75 
100,000 00 
15,000 00 
210,151 21 
103,900 00 



DWELLING-HOUSE INSURANCE COMPANY, BOSTON. 

[incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $300,000. 

Arthur Wm. Hobart, President. Henry F. Perkins, Secretary. 

Office, No. 29 State Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

100 shares Second National Bank . . $10,000 00 

100 " Merchants' National Bank . . 10,000 00 

100 " Republic National Bank . . . 10,000 00 

100 " State National Bank . . . 10,000 00 

100 " Suffolk National Bank . . . 10,000 00 

100 " Atlas National Bank . . .10,000 00 

100 " Howard National Bank . . .10,000 00 

69 " Hide and Leather National Bank . 6,900 00 

50 " New England National Bank . . 5,000 00 

50 " City National Bank .... 5,000 00 

50 " Redemption National Bank . . 5,000 00 

44 " Union National Bank . . . 4,400 00 

30 " Eagle National Bank . . . 3,000 00 

7 " Tremont National Bank . . .700 00 

Boston and Maine Railroad bonds . . . 10,000 00 

Boston and Albany Railroad bonds . . . 10,000 00 

Boston and Providence Railroad bonds . . 10,000 00 

Old Colony Railroad bonds .... 20,000 00 

Boston and Lowell Railroad bonds . . . 10,000 00 

Fitchburg Railroad bonds 8,000 00 

Vermont and Massachusetts Railroad bonds . 10,000 00 

Eastern Railroad bonds 5,000 00 

Revere town bonds 12,000 00 



Market value. 

$15,000 00 

14,500 00 

12,500 00 

12,725 00 

12,000 00 

12,100 00 

12,300 00 

7,874 63 

7,012 50 

6,150 00 

6,850 00 

6,600 00 

3,570 00 

833 00 

12,600 00 

12,600 00 

12,675 00 

24,287 50 

11,300 00 

10,160 00 

13,400 00 

5,287 50 

13,200 00 



$195,000 00 $245,525 13 

Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens *), $99,450 00 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule 



. 9,854 92 
245,525 13 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$100,700 00 

102,500 00 

88,050 00 



96 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Gross assets .... 

Liabilities 

Losses adjusted unpaid 
Unearned premiums on outstanding risks 
Reclaim able on perpetual fire policies 
Dividends to stockholders unpaid 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital 



85,081 50 

12,882 06 

1,210 00 

488 35 



$1,002 00 

61,920 00 

171 00 

1,260 00 



$374,491 96 



64,353 00 

$310,138 96 
300,000 00 

$10,138 96 



Income. 

Cash received for fire premiums . . $34,629 56 

Deduct re-insurance and return premiums . 2,789 85 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Commissions from other companies 

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 rent and incidentals 

Gross cash expenditures .... 



$31,839 71 

5,138 13 

13,658 52 

482 20 

$51,118 56 



$7,543 39 
23,260 00 
7,283 39 
9,200 00 
5,826 70 
4,654 87 

$57,768 35 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$14,680,834 00 
5,029,644 00 

$19,710,478 00 
3,157,903 00 

$16,552,575 00 
65,000 00 



Premiums. 

$112,728 50 
34,762 71 

$147,491 21 
22,437 53 

$125,053 68 
323 03 



$16,487,575 00 $124,730 65 



1881.] AND FIRE-MARINE INSURANCE COS. 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 (8 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$301,240 23 

54,839 68 

171,000 00 

24,000 00 

7,485 09 

47,800 00 



ELIOT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 4, 1873.] 

Paid-up Capital, $200,000. 

George A. Curtis, President. Greenleaf C. George, Secretary. 

Office, No. 63 State Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Worcester and Nashua Railroad bonds . $15,000 00 
Fitchburg Railroad bonds . . . ... 60,000 00 

Salem city bonds 4,000 00 

Cambridge city bonds 11,000 00 

Northampton town bonds 20,000 00 

Lynn city bonds 4,000 00 

Boston city bonds 25,000 00 

United States bonds 95,000 00 

Massachusetts bonds 15,000 00 

165 shares Fitchburg Railroad .... 16,500 00 
25 " Norwich and Worcester Railroad . 2,500 00 
50 ■ ' Old Colony Railroad .... 5,000 00 
50 " Vermont and Massachusetts Railroad, 5,000 00 
100 " Shawmut National Bank . . . 10,000 00 
37 " Revere National Bank . . . 3,700 00 



Market value. 

$15,150 00 

62,500 00 

4,000 00 

11,000 00 

22,800 00 

4,000 00 

30,175 00 

108,775 00 

16,500 00 

22,275 00 

3,900 00 

6,250 00 

6,700 00 

12,000 00 

4,329 00 



Securities held as collateral for cash loans : 
25 shares Equitable Trust Company . 



$291,700 00 $330,354 00 



Market value. Loaned thereon. 

. $2,125 00 $1,500 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $70,000 00 
Interest due or accrued thereon .... 3,002 80 
Stocks, bonds, etc., as per schedule . . 330,354 00 



* Value of lands mortgaged . 
Value of "buildings thereon 
Amount of insurance held as collateral 
13 



$52,800 00 
57,500 00 
68,500 00 



98 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Loans on collateral security as per schedule 

Cash in the office of the company 

Cash deposited in National City Bank 

Interest due and accrued . 

Premiums in course of collection (gross) 

Notes taken for fire risks . 

Gross assets .... 

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 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$1,500 00 
1,564 09 
7,760 70 
3,887 64 

15,812 64 
500 00 



$2,471 00 

16,933 00 

2,000 00 

76,956 25 

255 00 

875 00 

2,000 00 



$434,381 87 



101,490 25 

$332,891 62 
200,000 00 

$132,891 62 



Income. 

Cash received for fire premiums . . $150,303 60 

Deduct re-insurance and return premiums . . 23,142 72 

Net cash received for fire premiums . . . $127,160 88 

Interest received on bonds and mortgages .... 4,527 88 

Interest and dividends received from all other sources . 14,534 13 

Income from rents ........ 324 62 

Gross cash income $146,547 51 



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 rent and incidentals 

Gross cash expenditures 



$75,278 08 
1,542 59 



$73,735 49 

19,745 00 

28,118 76 

12,067 00 

4,710 93 

8,279 09 

$146,656 27 



1881.] AND FIRE-MARINE INSURANCE COS. 



99 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 , 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



Net amount in force 



111,983,426 00 
14,226,929 00 

$26,210,355 00 
12,809,625 00 

$13,400,730 00 
565,411 00 



Premiums. 

8141,791 07 
148,485 88 

$290,276 95 
127,622 33 



$162,654 62 
8,187 66 



$12,835,319 00 $154,466 96 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$932,089 93 

367,029 22 

150,000 00 

20,000 00 

92,321 08 

26,000 00 



EQUITABLE MARINE INSURANCE COMPANY, PROVINCE- 
TOWN. 

[Incorporated 1845. Commenced business 1846.] 

Paid-up Capital, $50,000. 
« 
Joshua Paine, President. Lewis Nickerson, Secretary. 



Detailed Statement of Stocks, 

80 shares Freeman's National Bank, Boston 

45 

16 

15 

15 

15 

65 

16 



Republic National Bank, Boston 
Hide and Leather Nat'l Bank, Boston, 
Revere National Bank, Boston . 
Traders' National Bank, Boston . 
State National Bank, Boston 
First National Bank, Provincetown 
Boston and Albany Railroad 



Bonds, etc. 

Par value. 

$8,000 00 
4,500 00 
1,600 00 
1,500 00 
1,500 00 
1,500 00 
6,500 00 
1,600 00 



Market value. 

$9,470 00 
5,625 00 
1,828 00 
1,758 75 
1,462 50 
1,890 00 
9,555 00 
2,624 00 



$26,700 00 $34,213 25 



Summary of Assets Dec. 

Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Gross assets .... 



31, 1881. 

$34,213 25 

267 35 

21,621 70 

3,281 19 

20,190 21 



$79,573 70 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



8709 92 

2,000 00 

19,910 21 

3,000 00 



Surplus over capital 



Income. 

Cash rec'd for marine and inl'd premiums, $29,899 14 
Deduct re-insurance and return premiums, 20,562 78 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Gross cash income . 

Expenditures. 
Cash paid for marine and inland losses 

for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals 

Gross cash expenditures .... 

Risks and Premiums. 



Marine risks written during 1881 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$707,813 00 
415,795 00 

8292,018 00 
6,000 00 



Miscellaneous. 

Premiums received from re-organization of company 
Losses paid from re-organization of company . 
Cash dividends declared from re-organization of company 
Dividends declared during the year (6 per cent) 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$25,620 13 

$53,953 57 
50,000 00 

,953 57 



$9,336 36 

1,202 27 

$10,538 63 



-7 07 

841 58 

786 63 

535 60 

267 71 

$3,218 59 



Premiums. 

$33,180 33 
12,990 12 



.190 21 
280 00 



$286,018 00 $19,910 21 



$12,367 76 
7S7 07 
3,000 00 
3,000 00 
3,496 99 
S,000 00 



1881.] AND FIRE-MARINE INSURANCE COS. 101 
FIREMEN'S FIRE INSURANCE. COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 31, 1872.] 
Paid-up Capital, §300,000. 
Thomas W. Tucker, President. Henry C. Short, Secretary. 

« Office, No. 48 Congress Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market v;Jue. 

City of Boston bonds .... $20,000 00 $24,950 00 

of Charlestown bonds .... 63,000 00 74,140 00 

of Lowell bonds 15,000 00 17,550 00 

of Chelsea bonds 4,000 00 4,720 00 

of Somerville bonds 20,000 00 21,000 00 

of Fall River bonds 30,000 00 36,900 00 

of Cambridge bonds 12,000 00 12,680 00 

of Lawrence bonds . . . . 18,000 00 21,210 00 

of Providence bonds 10,000 00 10,192 50 

Eastern Railroad bonds 22,500 00 23,793 75 

Worcester and Nashua Railroad bonds . . 10,000 00 10,100 00 

200 shares City National Bank .... 20,000 00 24,400 00 

Note of Manchester Mills 45,000 00 44,589 59 

of Continental Mills 25,000 00 24,857 64 

of Saratoga Victory Manufacturing Co. . 25,000 00 24,781 25 

of Hamilton Woolen Company . . . 25,000 00 24,725 69 

of Franklin Company .... 30,000 00 29,570 83 

of Burlington Woolen Company . . 25,000 00 24,659 72 

of Hill Manufacturing Company . . 15,000 00 15,062 50 

United States bonds 73,000 00 79,790 00 



$507,500 00 $549,673 47 



Securities held as collateral for cash loans: — 

10 shares Randolph National Bank . 
100 shares Atlantic Cotton Mills 



Market value. Loaned thereon. 

. $1,800 00 $1,000 00 
. 17,500 00 10,000 00 



$19,300 00 $11,000 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $187,600 00 
Interest due or accrued thereon .... 2,727 54 
Stocks, bonds, etc , as per schedule . . 549,673 47 
Loans on collateral security as per schedule . 11,000 00 
Cash in the office of the company . . . 264 13 



* Value of lands mortgaged $154,000 00 

Value of buildings thereon 184,500 00 

Amount of insurance held as collateral . . . 189,600 00 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31. 



Cash deposited in various banks . . $15,176 92 

Interest due and accrued ..... 4,292 22 
Premiums in course of collection (gross) . . 11,369 25 
Premiums more than three months due, $33 34 

Gross assets $782,103 53 

Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 
Due and accrued for rents, salaries, etc. 
State and local taxes .... 
Commissions and brokerage 
Re-insurance ..... 

Gross liabilities, except capital . . . 125,108 74 

Surplus as regards policy-holders .... $656,994 79 
Paid-up capital 300,000 00 

Surplus over capital $356,994 79 

Income. 

Cash received for fire premiums . . 8143,746 89 

Deduct re-insurance and return premiums . . 13,054 41 

Xet cash received for fire premiums . . . $130,692 48 

Interest received on bonds and mortgages .... 9,298 50 

Interest and dividends received from all other sources . 25,937 04 

Gross cash income $165,928 02 



$5,103 27 


5,613 05 


109,710 56 


355 00 


2,500 00 


1,200 00 


561 36 


65 50 



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 rent 

for incidentals .... 

Gross cash expenditures . . . 



$68,076 55 
276 89 



$67,799 66 

29,825 00 

26,286 58 

12,350 00 

8,166 02 

4,000 00 

3,093 33 

$151,520 59 



1881.] AND FIRE-MARINE INSURANCE COS. 103 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$18,304,113 00 $208,082 92 
14,663,038 00 141,060 14 



,967,151 00 &349,143 06 
12,797,797 00 121,359 98 



$20,169,354 00 $227,783 08 
159,236 00 2,105 02 



$20,010,118 00 $225,678 06 



Miscellaneous. 

Premiums received from organization of company . . $1,273,085 02 

Losses paid from organization of company . . . 534,741 72 

Cash dividends declared from organization of company . 225,000 00 

Dividends declared during the year (10 per cent) . . 30,000 00 

Fire losses incurred during the year . . . . . . 74,116 98 

Company's stock owned by directors ..... 15,900 00 



FIRST NATIONAL FIRE INSURANCE COMPANY, 
WORCESTER. 

[Incorporated April, 1868. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $200,000. 

Charles B. Pratt, President. R. James Totman, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

City of Springfield bonds $6,000 00 $7,800 00 

of Worcester bonds 3,500 00 4,095 00 

of New London bonds .... 10,000 00 13,000 00 

Boston, Barre, and Gardner Railroad bonds . 20,500 00 22,960 00 

Worcester and Nashua Railroad bonds . . 500 00 505 00 

Nashua and Rochester Railroad bonds . . 11,000 00 11,110 00 

Providence and Worcester Railroad stock . . 6,500 00 8,710 00 

118 shares First National Bank, Worcester . 11,800 00 18,526 00 



$69,800 00 $86,706 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . . $3,200 00 
Loans on mortgage of real estate (first liens*), 133,600 00 
Interest due or accrued thereon . . . . 2,091 87 



* Total value of property mortgaged .... $273,100 00 
Amount of insurance held as collateral . . . 77,505 00 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Stocks, bonds, etc., as per schedule . . $86,706 00 
Cash in the office of the company . . . 4,117 97 

Cash deposited in bank 39,697 60 

Interest due and accrued 657 89 

Premiums in course of collection (gross) . . 13,931 43 

Rents due and accrued 81 11 

Gross assets 

Liabilities. 
Losses adjusted unpaid $7,765 35 

claimed and reported .... 7,145 00 

disputed or resisted . . . . 1,219 00 

Unearned premiums on outstanding risks . . 45,318 82 

Commissions and brokerage .... 2,786 28 

Gross liabilities, except capital . 

Surplus as regards policy-holders . 
Paid-up capital ...... 

Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-iusurance and return premiums . 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from commissions and brokerage .... 

Gross cash income ....... 

Expenditures. 
Cash paid for fire losses .... $62,299 17 
Deduct salvage and re-insurance . . . 3,958 39 

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 incidentals ..... 

Gross cash expenditures .... 

Risks and Premiums. 



$106,016 07 
. 18,170 73 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1S81 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$7,755,471 00 
9,303,196 00 

$17,05S,667 00 
9,528,507 00 

87,530,160 00 
824,323 00 



$284,083 87 



64,234 45 

$219,849 42 
200,000 00 

$19,849 42 



8S7,845 34 
9,672 '54 
9,200 38 
2,700 00 

$109,418 26 



$58,340 78 
6,000 00 

• 18,707 94 
6,600 00 
4,503 16 
6,801 61 

$100,953 49 

Preminms. 

8104,6S7 90 
107,640 18 

$212,32S 08 
111,769 78 

$100,558 30 
9,539 28 



1,705,837 00 $91,019 02 



1881.] AND FIRE-MARINE INSURANCE COS. 105 



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 (3 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$1,566,556 56 

1,000,926 78 

92,000 00 

6,000 00 

66,211 05 

81,900 00 



FRANKLIN INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 4, 1873. Commenced business Feb. 15, 1873.] 

Paid-up Capital, $200,000. 

E. B. Whitney, President. A. T. Byrnes, Secretary. 

Office, No. 66 State Street. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds $10,000 00 

City of Boston bonds 25,000 00 

City of Worcester bonds 5,000 00 

Eastern Railroad bonds 7,000 00 

Fitchburg Railroad bonds 5,000 00 

Boston and Lowell Railroad bonds . . . 5,000 00 
Boston, Clinton, and Fitchburg Railroad bonds. 8,000 00 

Town of Medford bonds 15,000 00 

Maiden and Melrose Gas Company bonds . . 2,000 00 
100 shares Jamaica Plain Gas Company . . 10,000 00 
50 shares Merchandise National Bank . . 5,000 00 



Market value. 

$11,850 00 

30,200 00 

5,850 00 

7,420 00 

5,500 00 

5,250 00 

8,320 00 

15,750 00 

2,000 00 

12,775 00 

5,250 00 



$97,000 00 $110,165 00 



Securities held as collateral for cash loans: — 

200 shares Boston Wharf Company . 
11 " Boylston National Bank . 
9 " Russell Mills .... 
130 " Alliance Insurance Company 



Market value. 

. $9,000 00 
. 1,375 00 j 
990 00 ; 
. 3,250 00 

$14,615 00 



Loaned thereon. 

$4,000 00 

1,686 00 
3,250 00 

$8,936 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $53,000 00 
Loans on mortgage of real estate (first liens *) . 30,300 00 



* Value of lands mortgaged 
Valiie of buildings thereon . 
Amount of insurance held as collateral 

14 



$18,200 00 
27,700 00 
22,000 00 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest due or accrued thereon . . . . $3,118 58 
Stocks, bonds, etc., as per schedule . . 110,165 00 

Loans on collateral security as per schedule . 8,936 00 
Cash in the office of the company . . . 329 42 
Cash deposited in various banks . . . 15,718 39 

Interest due and accrued ..... 2,371 00 
Premiums in course of collection (gross) . . 16,912 34 
Rents due and accrued ..<#.. 428 75 
Premiums more than three months due, $52.85 

Gross assets 

Liabilities. 

Losses adjusted unpaid ..... $3,168 85 

Unearned premiums on outstanding risks . . 34,890 29 

Commissions and brokerage .... 679 24 

Gross liabilities, except capital . . . 

Surplus as regards policy-holders .... 
Paid-up capital ......... 

Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums . 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Gross cash income ....... 

Expenditures. 
Cash paid for fire losses .... $36,113 34 
Deduct salvage and re-insurance . . . 1,745 78 

Net cash paid for fire losses . . . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 

Risks and Premiums. 



$51,843 96 
. 3,703 65 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$5,986,455 00 
5,427,827 00 

$11,414,282 00 
5,276,809 00 



1,137,473 00 
12,160 00 



$241,279 48 



38,738 38 

$202,541 10 
200,000 00 

$2,541 10 



$48,140 31 

438 00 

4,976 29 

2,038 74 

$55,593 34 



$34,367 56 

10,935 56 

7,540 00 

1,779 72 

3,439 53 

$58,062 37 

Premiums. 

$68,867 18 
58,087 72 

$126,954 90 
54,701 96 

$72,252 94 
80 05 



1,125,313 00 $72,172 89 



1881.] AND FIRE-MARINE INSURANCE COS. 107 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$781,133 50 

418,745 15 

78,000 00 

32,340 64 

18,500 00 



GLOUCESTER FIRE INSURANCE COMPANY, GLOUCESTER 

[Incorporated May 15, 1869. Commenced business March 28, 1870.] 

Paid-up Capital, $100,000. 

Robert R. Fears, President. Johx Cunningham. Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



44 shares Gloucester National Bank 



100 
20 
50 
75 
20 
10 
10 
36 
30 
20 
6 
7 
10 
25 
35 
20 



Cape Ann National Bank 
North National Bank 
Exchange National Bank 
Revere National Bank 
First National Bank . 
Commonwealth National Bank 
Redemption National Bank 
Eliot National Bank . 
Second National Bank 
Washington National Bank 



' Howard National Bank 

' Boston National Bank 

' Great Falls Railroad . 

' Fitchburg Railroad . 

* Old Colony Railroad . 

4 Boston and Albany Railroad 
Eastern Railroad bonds 
Chicago, Burlington, and Quincy R.R. bonds 
Boston city bonds .... 
Cambridge city bonds 



Par value. 

$4,400 00 
10,000 00 
2,000 00 
5,000 00 
7,500 00 
2,000 00 
1,000 00 
1,000 00 
3,600 00 
3,000 00 
2,000 00 
600 00 
700 00 
1,000 00 
2,500 00 
3,500 00 
2,000 00 
6,500 00 
2,000 00 
4,000 00 
5,000 00 



Market value. 

$5,808 00 
15,400 00 
2,800 00 
6,756 25 
8,700 00 
4,180 00 
1,145 00 
1,370 00 
4,482 00 
4,500 00 
2,790 00 
754 50 
882 00 
275 00 
3,325 00 
4,392 50 
3,230 00 
6,890 00 
2,520 00 
4,960 00 
6,100 00 



$69,300 00 $91,260 25 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $28,850 00 

Interest due or accrued thereon . 432 82 

Stocks, bonds, etc., as per schedule . . . 91,260 25 

Cash in the office of the company . . . 44 91 

* Value of lands mortgaged $24,700 00 

Value of buildings thereon 35,300 00 

Amount of insurance held as collateral . . . 34,900 00 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Cash deposited in City National Bank . $11,532 15 

Premiums in course of collection (gross) . . 2,660 95 

Notes taken for marine and inland risks . . 4,923 00 

Gross assets ...... 



$139,704 08 



Liabilities 

Losses adjusted unpaid 
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 ..... 



$2,335 32 

23,734 54 

375 74 

399 85 



Surplus over capital 



26,845 45 

$112,858 63 
100,000 00 

$12,858 63 



Income. 

Cash received for fire premiums . . $28,145 51 

Deduct re-insurance and return premiums . . 2,464 34 

Net cash received for fire premiums . . . 

Cash received for marine and inland premiums . $8,162 82 
Deduct re- insurance and return premiums . . 753 29 

Net cash received for marine and inland prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Return taxes, etc. 

Gross cash income . 



>5,681 17 



7,409 


53 


1,618 


79 


4,805 


91 


920 


56 


$40,435 96 



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 .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
interest .... 



$18,776 72 
257 79 

:6,606 19 
118 07 



§18,518 93 



6,488 12 

10,172 50 . 

4,177 67 

4,113 54 

1,716 67 

26 67 



Gross cash expenditures 



15,214 10 



1881.] AND FIRE-MARINE INSURANCE COS. 109 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total ..... 
Deduct risks expired and terminated 



In force at end of year 



$2,598,727 00 
2,431,743 00 

$5,030,470 00 
2,080,394 00 

$2,950,076 00 
4,500 00 



$59,450 00 
232,446 00 

$291,896 00 
221,071 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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



Premiums. 

$35,253 16 
28,585 50 

$63,838 66 
26,134 99 

$37,703 67 
45 00 



$2,945,576 00 $37,658 67 



$3,970 75 
8,411 08 

$12,381 83 
7,954 45 



$70,825 00 $4,427 38 



$574,071 12 
445,193 72 
57,500 00 
10,000 00 
18,308 87 
.6,899 96 
41,000 00 



MANUFACTURERS' FIRE AND MARINE INSURANCE 
COMPANY, BOSTON. 

[Incorporated Jan. 9, 1873. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $500,000. 

Samuel Appleton, President. Samuel H. Wise, Secretary. 

Office, No. 59 State Street. 



Detailed Statement of Stocks 



150 shares Hamilton National Bank 



282 
150 
200 
250 
268 
300 
40 



National City Bank . 
Shawmut National Bank . 
Shoe and Leather National Bank 
Second National Bank 
National Eagle Bank 
Atlas National Bank 
Atlantic National Bank 



, Bonds, etc. 

Par value. 

$15,000 00 
. 28,200 00 
. 15,000 00 
. 20,000 00 
. 25,000 00 
. 26,800 00 
. 30,000 00 
. 4,000 00 



Market value. 

$17,231 25 
34,540 00 
18,150 00 
22,000 00 
37,500 00 
31,892 00 
36,300 00 
6,000 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



75 shares State National Bank . 
Boston and Lowell Railroad bonds 
Cheshire Railroad bonds . 
Middlesex Railroad bonds . 
40 shares Somerville Railroad stock 



Par value. 

. 17,500 00 

100,000 00 

. 52,000 00 

. 25,000 00 

. 2,000 00 



Market value. 

$9,543 75 

121,125 00 

56,160 00 

30,000 00 

2,000 00 



$350,500 00 $422,442 00 



Securities held as collateral for cash loans : - 

35 shares Carver Cotton Gin Company 
425 tons pig iron .... 
210 shares Washington Mills 
200 " Union Pacific Railroad . 

50 ' 
270 " Atchison, Top., and Santa Fe R.R. 
Union Pacific bonds ..... 
New York and New England Railroad bonds 
New Mexico and So. Pacific R.R. bonds . 
Atchison, Topeka, and Santa Fe R.R. bonds 



Market value. 



: \ 



$23,600 00 
Chic, Burlington, and Quincy R.R. 6,850 00 

25,582 50 
29,187 50 
23,600 00 
11,400 00 
23,750 00. 



Loaned thereon. 

$9,200 00 

15,700 00 

25,000 00 

20,000 00 
25,000 00 

50,000 00 
$144,900 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $80,000 00 
Loans on mortgage of real estate (first liens*) . 52,725 00 
Interest due or accrued thereon .... 3,928 72 
Stocks, bonds, etc., as per schedule . . 422,442 00 
Loans on collateral security as per schedule, 144,900 00 
Cash in the office of the company . . . 9,467 19 
Cash deposited in b'k and with English bankers, 215,488 46 
Interest due and accrued ..... 4,131 24 
Premiums in course of collection (net) . . 92,265 61 
Notes taken for marine and inland risks . . 29,026 09 

Rents due and accrued 1,250 00 

Loaned on personal security . . $1,100 00 

Gross assets ...... 



$1,055,624 31 



Liabilities. 



Losses claimed and reported 
Losses disputed or resisted 

Total amount of losses 
Less re-insurance and salvage 

Net amount of unpaid losses 



$95,154 14 
6,225 00 

$101,379 14 
6,327 66 

$95,051 48 



* Total value of property mortgaged 
Amount of insurance held as collateral 



$93,000 00 
2S,000 00 



1881.] AND FIRE-MARINE INSURANCE COS. Ill 



Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital 



$343,197 78 
50 00 



$438,299 26 

$617,325 05 
500,000 00 

$117,325 05 



Income. 

Cash received for fire premiums . . $597,804 28 

Deduct re-insurance and return premiums . 110,755 53 

Net cash received for fire premiums . 
Cash rec'd for marine and inl'd premiums, 
Deduct re-insurance and return premiums, 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents ....... 

Gross cash income ...... 



$482,004 49 
147,580 55 



$487,048 75 



334,423 94 

3,358 55 

45,966 57 

5,504 62 

$876,302 43 



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 ..... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$391,609 97 
. 23,102 65 

$534,331 64 
112,371 29 



$368,507 32 



421,960 35 
49,950 00 

132,629 81 
27,339 14 
20,018 36 
91,638 29 

,112,073 27 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

. $73,401,807 00 $475,625 80 
. 97,853,692 00 608,788 03 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$171,255,499 00 $1,084,413 83 
. 71,076,052 00 439,682 29 



,179,447 00 $644,731 54 
4,389,670 00 30,369 06 



. $95,789,777 00 $614,362 48 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$1,463,960 00 
55,628,960 00 

$60,092,920 00 
56,914,412 00 

$3,178,508 00 
89,956 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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



Premiums. 

£178,752 04 
460,795 92 

£639,547 96 
593,132 03 

$46,415 93 
2,218 98 



$3,088,552 00 $44,196 95 



$5,339,880 62 

3,080,207 22 

375,000 00 

50,000 00 

449,898 46 

533,131 64 

42,400 00 



MERCANTILE MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 

Paid- dp Capital, $400,000. 

George R. Rogers, President. B. F. Field, Jun., Secretary. 

Office, No. 58 State Street. 





Detailed Statement of Stocks, Bonds, etc 








Par value. 


Market value. 


100 shares Atlantic National Bank 


$10,000 00 


815,000 00 


200 ' 


1 City National Bank . 


. 20,000 00 


24,600 00 


200 ' 


4 Columbian National Bank 


. 20,000 00 


27,600 00 


214 « 


' Eagle National Bank 


. 21,400 00 


25,466 00 


300 « 


1 Globe National Bank 


. 30,000 00 


33,300 00 


120 ■ 


1 Hamilton National Bank . 


. 12,000 00 


13,680 00 


160 ' 


1 New England National Bank 


. 16,000 00 


22,400 00 


200 « 


1 North National Bank 


. 20,000 00 


27,800 00 


37 » 


4 Railroad National Bank . 


. 3,700 00 


4,514 00 


178 ■ 


1 State National Bank 


. 17,800 00 


22,606 00 


535 ' 


1 Suffolk National Bank 


. 53,500 00 


64,200 00 


200 ' 


4 Tremont National Bank . 


. 20,000 00 


23,800 00 


200 « 


' Union National Bank 


. 20,000 00 


30,000 00 


200 ' 


4 Boston and Providence Railroad 


1 . 20,000 00 


32,200 00 


100 « 


4 Lyman Stills . 


. 10,000 00 


11,900 00 


United 


States bonds 


. 15,000 00 


17,100 00 


New B 


edford Railroad bonds 


. 30,000 00 


33,600 00 



1881.] AND FIRE-MARINE INSURANCE COS. 113 



Boston and Albany Railroad bonds 
Boston and Maine Railroad bonds 
Fitchburg Railroad bonds . 
Boston and Lowell Railroad bonds 
Boston city bonds 
Charlestown bonds . 



Par value. 

$30,000 00 
. 10,000 00 
. 25,000 00 
. 25,000 00 
. 65,000 00 
. 10,000 00 



Market value. 

$37,800 00 
12,600 00 
31,750 00 
29,550 00 
81,087 00 
11,800 00 



$504,400 00 $634,353 00 



Securities held as collateral for cash loans: 

10 shares State National Bank . 

16 " Atlantic Cotton Mills . 

13 " Tremont and Suffolk Mills 

City of Providence bonds . 

City of Lawrence bonds 

United States bonds . 

255 shares Atchison, Top., and Santa Fe R.R. 



Market value. 

$1,270 00 
2,768 00 
2,275 00. 
1,250 00 
1,200 00 
1,755 00 

24,161 00 



Loaned thereon. 

$3,100 00 

1,000 00 

1,000 00 

1,550 00 

20,000 00 



$34,679 00 $26,650 00 



Summary of Assets Dec. 31, 18S1. 

Loans on mortgage of real estate (first liens *), $41,500 00 
Interest due or accrued thereon .... 565 63 
Stocks, bonds, etc., as per schedule . . 634,353 00 
Loans on collateral security as per schedule . 26,650 00 
Cash in the office of the company . . . 1,681 36 
Cash deposited in various banks . . . 15,795 62 

Interest due and accrued ..... 5,834 35 
Premiums in course of collection (gross) . . 3,679 69 
Notes taken for marine and inland risks . . 35,929 22 
Gross assets .... 



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 



$55,400 00 

124,172 18 

. 1,500 00 

360 00 



$765,988 87 



181,432 18 

$584,556 69 
400,000 00 

$184,556 69 



* Value of lands mortgaged $24,800 00 

Value of buildings thereon 34,700 00 

Amount of insurance held as collateral . . . 41,000 00 



15 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Income. 

Cash paid for fire premiums . . . $142,729 77 
Deduct re-insurance and return premiums . 17,604 62 

Net cash received for fire premiums . . $125,125 15 

Cash rec'd for marine and inl'd premiums, $85,228 03 
Deduct re-insurance and return premiums, 15,344 04 

Net cash rec'd for marine and inl'd prem's, 69,883 99 

Interest received on bonds and mortgages .... 2,676 25 

Interest and dividends received from all other sources . 32,360 16 

Gross cash income $230,045 55 



Expenditures. 

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 ..... 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for rent and incidentals 

Gross cash expenditures 



$60,296 34 » 
6,608 89 



$69,452 90 



53,687 45 
40,000 00 
30,883 21 
12,800 00 
5,752 06 
12,157 27 

$224,732 89 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 

Deduct amount re-insured . . 

Net amount in force . 



Premiums. 

. $19,023,781 00 $140,682 96 
. 17,218,997 00 143,173 04 



. $36,242,778 00 $283,856 00 
. 17,797,125 00 115,813 21 



,8,445,653 00 $168,042 79 
519,984 00 5,181 35 



. $17,925,669 00 $162,861 44 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 



$1,653,922 00 
4,077,310 00 

$8,731,232 00 
4,452,658 00 

$4,278,574 00 
89,178 00 



$48,618 61 
47,035 12 

$95,653 73 
53,245 93 

$42,407 80 
1,495 79 



Net amount in force . 



$4,189,396 00 $40,912 01 



1881.] AND FIRE-MARINE INSURANCE COS. 115 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$5,348,770 00 
4,091,460 32 
1,774,500 00 
40,000 00 
96,392 65 
69,755 66 
26,800 00 



NEPTUNE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dee. 24, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital 3300,000. 

George F. Osborne, President. Eugene B. Hinkley, Secretary. 

Office, No. 64 State Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

700 shares Tremont National Bank . . $70,000 00 $84,000 00 

100 " Union National Bank . . . 10,000 00 15,000 00 
30 " Massachusetts National Bank . . 7,500 00 9,000 00 
75 " Hamilton National Bank . . . 7,500 00 8,625 00 

101 " Suffolk National Bank . . .10,100 00 12,120 00 
36 " Globe National Bank . . . 3,600 00 3,996 00 

112 " Revere National Bank . . .11,200 00 13,132 00 

16 " Everett National Bank . . . 1,600 00 1,872 00 

27 " Shoe and Leather National Bank . 2,700 00 2,970 00 

22 " Redemption National Bank . . 2,200 00 3,014 00 

100 " Boston and Providence Railroad . 10,000 00 16,100 00 

United States bonds 50,000 00 57,250 00 

Boston and Maine Railroad bonds . . . 30,000 00 37,800 00 

Burl'ton and Missouri R. R.R. (in Neb.) bonds, 24,000 00 27,600 00 

Fitchburg Railroad bonds 10,000 00 12,700 00 

Union Pacific Railroad bonds .... 50,000 00 56,250 00 

Kansas Pacific Railroad bonds .... 35,000 00 38,150 00 

Oregon Railway and Navigation Co. bonds . 30,000 00 33,000 00 

City of Fitchburg bonds 30,000 00 34,800 00 

Brookline water bonds 10,000 00 13,300 00 



$405,400 00 $480,679 00 



Summary of Assets Dec. 31, 1881. 
Stocks, bonds, etc., as per schedule . . $180,679 00 
Cash in the office of the company . . . 6,322 32 
Cash deposited in Tremont National Bank . 20,677 18 



116 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Gross assets .... 

Liabilities 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Re-insurance ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



. $5,220 00 
. 13,396 07 
. 22,315 20 



$24,000 00 

84,122 91 

1,300 00 

122 50 



$105,640 59 
. 8,577 02 



Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . . 

Cash received for marine and inland premiums, $43,902 97 
Deduct re-insurance and return premiums . 1,384 81 

Net cash rec'd for marine and inland premiums, 

Interest and dividends received from all sources 

Gross cash income' 

Expenditures. 

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 ...... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for rent 

for incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



$35,444 04 
573 91 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . . ♦ 



$8,938,468 00 
9,670,119 00 

$18,60S,5S7 00 
8,619,058 00 

$9,9S9,529 00 
10,000 00 



$548,609 77 



109,545 41 

439,064 36 
300,000 00 

$139,064 36 



$97,063 57 



42,518 16 

24,822 84 

$164,404 57 



855,611 12 



34,870 13 

30,000 00 

17,425 18 

15,158 51 

5,986 49 

3,014 06 

2,933 84 

$164,999 33 

Premiums. 

$104,867 56 
99,103 92 

£203,971 48 
86,063 71 

$117,907 77 
23 50 



1,979,529 00 $117,S84 27 



1881.] AND FIRE-MARINE INSURANCE COS. 117 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$1,501,797 00 
1,433,071 00 

$2,934,868 00 
1,209,734 00 

$1,725,134 00 
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 (10 per cent) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$33,032 62 
26,185 74 

$59,218 36 
33,663 58 



25,554 78 
122 50 



.,715,334 00 $25,432 28 



51,688,890 43 

1,096,492 53 

240,000 00 

30,000 00 

74,111 12 

33,944 04 

42,600 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $200,000. 

Albert Bowker, President. Eugene E. Patridge, Secretary. 

Office, No. 70 State Street. 
Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds $50,000 00 $58,941 25 

Cambridge city bonds 10,000 00 10,300 00 

Eastern Railroad bonds 11,000 00 11,632 50 

Chicago, Milwaukee, and St. Paul R.R. bonds, 5,000 00 5,950 00 

Toledo, Delphos, and Burlington R.R. bonds . 5,000 00 4,500 00 

Columbian National Bank stock . . . 5,000 00 6,900 00 

Eliot National Bank stock .... 10,000 00 12,500 00 

Exchange National Bank stock .... 1,700 00 2,278 00 

Hide and Leather National Bank stock . . 2,900 00 3,309 62 

Globe National Bank stock .... 10,000 00 11,100 00 

Merchants' National Bank stock . . . 15,000 00 21,750 00 

Old Boston National Bank stock . . . 7,350 00 9,077 25 

Suffolk National Bank stock .... 10,000 00 12,000 00 

Shoe and Leather National Bank stock . . 4,300 00 4,730 00 

State National Bank stock .... 10,000 00 12,725 00 

City National Bank stock 5,000 00 6,150 00 



$162,250 00 $193,843 62 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Securities held as collateral for cash loans : - 

Old Colony Railroad stock .... 
Boston, Revere Beach, and Lynn R.R. bonds 
Union Railway stock .... 

Union Pacific Railroad bonds . 
Atlantic and Pacific Railroad bonds . 
Atchison, Topeka, and Santa Fe R.R. stock 
Sioux City and Pacific Railroad Bonds 



Market yalue. 

$251 00 
3,487 50 > 
2,016 00 > 
1,140 00 
4,850 00 > 
14,212 50 f 
3,090 00 



Loaned thereon. 

$180 00 
5,000 00 

1,000 00 
14,035 00 

2,500 00 



$29,047 00 $22,715 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $45,484 92 

Loans on mortgage of real estate (first liens *) . 54,778 40 
Interest due or accrued thereon .... 1,677 44 
Stocks, bonds, etc., as per schedule . . 193,843 62 

Loans on collateral security as per schedule . 22,715 00 
Cash in the office of the company . . . 4,083 57 
Cash deposited in Merchants' National Bank . 3,580 28 

Interest due and accrued 319 26 

Premiums in course of collection (gross) . . 3,704 59 

Rents due and accrued 292 80 

Chattel mortgage 800 00 

Premiums more than three months due, $203 15 

Gross assets 



$331,279 88 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 
State and local taxes .... 
Commissions and brokerage 
Re-ihsurance ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$55 20 
3,028 00 
45,116 02 
748 50 
521 73 
465 49 
206 43 



50,141 37 



. $281,138 51 
. 200,000 00 



Surplus over capital 



$81,138 51 



* Value of lands mortgaged . 
Value of buildings thereon 



Amount of insurance held as collateral 



$47,550 00 
61,7% 00 
51,100 00 



1881.] AND FIRE-MARINE INSURANCE COS. 119 



Income. 

Cash received for fire premiums . . $59,500 19 

Deduct re-insurance and return premiums . . 5,986 22 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income 



$53,513 97 

5,293 45 

10,357 93 

1,638 90 

$70,804 25 



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 rent and incidentals 

Gross cash expenditures 



$30,712 66 
67 61 



$30,645 05 

20,000 00 

6,401 64 

11,857 32 

3,795 01 

4,033 87 

$76,732 89 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$10,881,963 00 
9,269,481 00 

$20,151,444 00 
8,201,672 00 

$11,949,772 00 
326,044 00 



Premiums. 

$89,062 08 
59,373 74 

$148,435 82 
51,994 11 

$96,441 71 
2,451 43 



. $11,623,728 00 $93,990 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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$537,149 91 

161,303 48 

160,000 00 

20,000 00 

29,900 53 

18,500 00 



120 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 
PRESCOTT INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 27, 1872. Commenced business Jan. 15, 1873.] 

Paid-up Capital, $200,000. 

Franklin Greene, President. Francis H. Stevens, Secretary. 

Office, No. 56 Devonshire Street, Boston. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

625 shares Webster National Bank . . 862,500 00 
112 " Atlas National Bank . . . 11,200 00 

203 " Eliot National Bank .... 20,300 00 

10 " - Eagle National Bank . . . 1,000 00 

100 " Merchandise National Bank . . 10,000 00 
125 " Market National Bank . . . 12,500 00 

50 " New England National Bank . . 5,000 00 
120 " Tremont National Bank . . . 12,000 00 
125 " Second National Bank . . . 12,500 00 

48 " Blackstone National Bank . . 4,800 00 

60 " Merchants' National Bank . . 6,000 00 
100 " State National Bank . . . 10,000 00 

100 " Globe National Bank . . . 10,000 00 
Boston and Lowell Railroad bonds . . . 25,000 00 

Eastern Railroad bonds 25,000 00 

Kansas City, Lawrence, and So. R.R. bonds . 25,000 00 
Cin., Ind., St. Louis, and Chicago R.R. bonds, 10,000 00 

City of Cincinnati bonds 25,000 00 

City of Cleveland bonds 20,000 00 



Market value. 

870,000 00 
13,552 00 
25,172 00 

1,190 00 
10,400 00 
13,125 00 

7,012 50 
14,280 00 
18,750 00 

5,424 00 

8,700 00 
12,700 00 
11,100 00 
30,500 00 
26,437 50 
25,875 00 
10,200 00 
32,625 00 
20,600 00 



8307,800 00 8357,643 00 



Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Kansas City, Fort Scott, and Gulf R.R. bonds, 816,500 00 810,000 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . 811,000 00 
Stocks, bonds, etc., as per schedule . . 357,643 00 

Loans on collateral security as per schedule . 10,000 00 
Cash in the office of the company . . . 8,853 53 
Cash deposited in Commonwealth Bank . . 9,338 18 

Interest due and accrued 2,245 82 

Premiums in course of collection (gross) . . 12,706 64 
Gross assets 



8411,787 17 



1881.] AND FIRE-MARINE INSURANCE COS. 121 



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 



$15,435 88 

. 8,500 00 

995 88 

$24,931 76 
941 19 

$23,990 57 
110,952 08 
. 2,366 07 



$137,308 72 

$274,478 45 
200,000 00 

$74,478 45 



Income. 

Cash received for fire premiums . . $197,996 90 

Deduct re-insurance and return premiums . . 23,752 24 

Net cash received for fire premiums . . . 

Interest and dividends received from all sources 

Gross cash income 



$174,244 66 
18,395 69 

$192,640 35 



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 rent ..... 

for incidentals .... 

Gross cash expenditures . . . 



Risks and Premiums. 



$131,073 39 
. 2,806 22 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
16 



$16,228,749 00 
18,240,285 00 

$34,469,034 00 
15,163,059 00 

$19,305,975 00 
413,938 00 



$128,267 17 
20,000 00 
34,596 41 
9,310 00 
3,541 48 
2,500 00 
9,793 40 

$208,008 46 



Premiums. 

$190,895 94 
195,851 52 

$386,747 46 
159,838 73 

$226,908 73 
4,392 50 



$18,892,037 00 $222,516 23 



122 MASS. JOINT-STOCK 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) 
Fire losses incurred during the year .... 



$1,362,842 38 

650,283 7G 

150,000 00 

20,000 00 

131,148 90 



SALEM MARINE INSURANCE COMPANY, SALEM. 

[Incorporated Feb. 6, 1856. Commenced business Feb. 7, 1857.] 

Paid-up Capital, $100,000. 

William Northey, President. F. P. Richardson, Secretary. 



Detailed Statement of Stocks, 

United States bonds 

BuiTton and Missouri R. R.R. (in Neb.) bonds, 
Cedar Rapids and Missouri Railroad bonds 
Vermont Cent, and Vt. and Canada R.R. bonds, 
Phila., Wilmington, and Baltimore R.R. bonds, 
Fremont, Elkhorn, and Mo. Val. R.R. bonds . 

Cleveland city bonds 

Providence city bonds . 

Cambridge" city bonds 

Louisville city bonds 

Manhattan Beach Improvement Company bonds, 

30 shares Mercantile National Bank, Salem 

81 

73 

98 
100 

93 
100 
100 

75 

51 

30 

16 

21 



Merchants' National Bank, Salem 
Exchange National Bank, Salem 
First National Bank, Salem 
Naumkeag National Bank, Salem 
North National Bank, Boston . 
Second National Bank, Boston . 
Webster National Bank, Boston 
Commerce National Bank, Boston 
Atlantic National Bank, Boston 
Merchants' National Bank, Boston 
Shawmut National Bank, Boston 
Boston National Bank, Boston . 



Bonds, etc. 

Par value. 

$50,000 00 
6,000 00 
5,000 00 
5,000 00 
5,000 00 
8,500 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 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 
7,500 00 
5,100 00 
3,000 00 
1,600 00 
2,100 00 



Market value. 

$52,337 50 

6,900 00 

6,000 00 

2,575 00 

5,250 00 

8,500 00 

12,500 00 

5,750 00 

12,400 00 

5,400 00 

4,600 00 

3,600 00 

5,670 00 

8,760 00 

11,956 00 

16,000 00 

12,996 75 

15,000 00 

11,200 00 

9,675 00 

7,650 00 

4,350 00 

1,924 00 

2,625 00 



$197,250 00 $233,619 25 



Securities held as collateral for cash loans : — 

148 shares Asbestos Packing Company 
300 shares Insurance Co. of North America 
Burlington and Mo. R. R.R. (in Neb.) bonds 

Louisville city bonds 

Cleveland city bonds 



Market value. 

$5,624 00 
10,050 00 
1,380 00) 
2,160 00 C 
3,750 00) 



Loaned thereon. 

$3,000 00 
7,000 00 

5,713 39 



$22,964 00 $15,713 39 



1881.] AND FIRE-MARINE INSURANCE COS. 123 



Summary of Assets Dec. 31, 1881. 

$233,619 25 

. 15,713 39 

155 31 

. 12,459 88 

. 1,267 50 



Stocks, bonds, etc., as per schedule . 
Loans on collateral security as per schedule 
Cash in the office of the company 
Cash deposited in Merchants' National Bank 
Interest due and accrued .... 



Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Gross assets .... 



5,088 58 
16,477 86 



$284,781 77 



Liabilities 

Losses adjusted unpaid 
Losses 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 



$840 20 

9,360 80 

24,655 45 

85 00 

300 00 

561 83 



Surplus over capital 



35,803 28 

$248,978 49 
100,000 00 

$148,978 49 



Income. 

Cash rec'd for marine and inland premiums, $53,075 47 
Deduct re-insurance and return premiums . . 3,624 45 

Net cash rec'd for marine and inland premiums, $49,451 02 

Interest and dividends received from all sources . . 12,666 68 

Gross cash income $62,117 70 



Expenditures. 

Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
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 

for incidentals .... 



$42,697 21 
1,937 75 



$40,759 46 

10,175 00 

2,847 40 

3,337 00 

607 06 

1,814 28 



Gross cash expenditures 



$59,540 20 



124 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$618,347 00 
2,692,019 00 

$3,310,366 00 
2,668,378 00 

$641,988 00 
12,505 00 



Premiums. 

$26,679 41 
48,942 38 

$75,621 79 
50,553 59 

$25,068 20 
412 75 



$629,483 00 $24,655 45 



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) 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



,177,898 48 
891,766 71 
24,400 00 
10,000 00 
40,759 46 
13,700 00 



SHOE AND LEATHER INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $600,000. 

John C. Abbott, President. Charles A. Fuller, Secretary. 

Office, No. 16 Congress Street. 



Detailed Statement of 

253 shares Shawmut National Bank . 

50 " Merchandise National Bank 
200 " Hamilton National Bank 
100 " Second National Bank 

31 " Atlantic National Bank 
117 " Tremont National Bank 

47 " Atlas National Bank 

62 " Merchants' National Bank 
250 " Republic National Bank 

54 " Redemption National Bank 
Boston and Maine Railroad bonds 
Boston and Albany Railroad bonds 
Eastern Railroad bonds 
Boston and Lowell Railroad bonds 
Chicago, Burlington, and QuincyR.R. 
Old Colony Railroad bonds 
United States bonds . 
Cambridge city bonds 



Stocks, Bonds, etc. 

Par value. 

$25,300 00 
. 5,000 00 
. 20,000 00 
. 10,000 00 
. 3,100 00 
. 11,700 00 
. 4,700 00 
. 6,200 00 
. 25,000 00 
. 5,400 00 
. 7,000 00 
. 40,000 00 
. 21,000 00 
. 10,000 00 
bonds . 20,000 00 
. 8,000 00 
140,000 00 
. 40,000 00 



Market value. 

$30,423 25 

5,200 00 

22,800 00 

15,000 00 

4,650 00 

13,923 00 

5,687 00 

8,990 00 

30,750 00 

7,290 00 

8,820 00 

50,400 00 

22,207 50 

11,262 50 

20,600 00 

9,602 50 

161,800 00 

41,200 00 



1881.] AND FIRE-MARINE INSURANCE COS. 125 



Providence city bonds 
Boston city bonds 
Worcester city bonds . 
Fall River city bonds 
Woburn town bonds . 
Arlington town bonds 
Beverly town bonds . 
Brookline town bonds 



Par value. 

$25,000 00 

. 24,000 00 

. 50,000 00 

. 30,000 00 

. 25,000 00 

. 18,000 00 

. 5,000 00 
. 7,000 00 



Market value. 

$28,750 00 
24,720 00 
53,500 00 
30,600 00 
27,750 00 
19,440 00 
5,050 00 
7,210 00 



$586,400 00 $667,625 75 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens *), $41,000 00 

838 75 
667,625 75 
. 2,097 25 
142,678 90 
. 4,932 00 
. 85,093 94 
. 76,772 99 
. 1,064 77 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Re-insurance due . 

Gross assets ..... 

Liabilities 

Losses claimed and reported . . . $103,487 70 

Unearned premiums on outstanding risks . 279,330 05 

Commissions and brokerage .... 2,575 20 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital . 

Surplus over capital 

Income. 

Cash received for fire premiums . . . $288,417 82 
Deduct re-insurance and return premiums . 34,044 80 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $394,686 09 
Deduct re-insurance and return premiums . . 44,304 08 

Net cash rec'd for marine and inland prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Received for increased capital . . . $200,000 00 

Gross cash income 



,022,104 35 



385,392 95 

$636,711 40 
600,000 00 

$36,711 40 



$254,373 02 

350,382 01 

2,090 00 

33,315 18 

$640,160 21 



* Value of lands mortgaged $40,000 00 

Value of buildings thereon 50,000 00 

Amount of insurance held as collateral . . . 30,500 00 



126 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 marine and inland losses 

Deduct salvage and re-insurance 

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 

for rent and incidentals 

Gross cash expenditures 



$175,912 73 
275 33 

$355,722 22 
. 35,113 05 



$175,637 40 



320,609 17 
50,000 00 
50,436 92 
20,364 18 
9,463 23 
32,375 61 

$658,886 51 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$23,352,230 00 
31,092,513 00 

$54,444,743 00 
25,865,935 00 

$28,578,808 00 
327,632 00 



Premiums. 

$260,930 24 
295,004 18 

$555,934 42 
221,233 41 

$334,701 01 
2,032 86 



$28,251,176 00 $332,668 15 



$89,218 38 
414,649 82 

$503,868 20 
394,096 33 

$109,771 87 
3,707 90 

$2,695,765 00 $106,063 97 



$3,805,191 00 
41,667,486 00 

$45,472,677 00 
42,656,128 00 

$2,816,549 00 
120,784 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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$2,883,756 78 

1,453,853 99 

265,000 00 

50,000 00 

202,215 11 

355,374 53 

80,300 00 



1881.] AND FIRE-MARINE INSURANCE COS. 127 

SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced business 1851.] 

Paid-up Capital, SI, 000,000. 

J. N. Dunham, President. S. J. Hall, Secretarij. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $100,000 00 $127,000 00 

Boston and Albany Railroad bonds . . 100,000 00 125,000 00 

Kan. City, St. Jo., and C. B. R.R. bonds . 100,000 00 119,000 00 

Union Pacific Railroad bonds .... 50,000 00 54,000 00 

Chicago and North- Western Railroad bonds . 50,000 00 54,000 00 

Morris and Essex Railroad bonds . . . 8,000 00 10,000 00 

New York and Harlem Railroad bonds . . 10,000 00 12,500 00 

Chic, Mil., and St. Paul Railroad bonds . . 10,000 00 12,400 00 

St. Paul, Minneapolis, and Man. R.R. bonds . 50,000 00 53,000 00 

Chic, Burl., and Quincy R.R. bonds . . 10,000 00 8,800 00 

100 shares Agawam Nat'l Bank, Springfield . 10,000 00 13,000 00 

100 " John Hancock N'l B'k, Springfield . 10,000 00 12,000 00 

104 " Chicopee Nat'l Bank, Springfield . 10,400 00 14,560 00 

100 " Pynchon Nat'l Bank, Springfield . 10,000 00 16,000 00 

28 " Second Nat'l Bank, Springfield . 2,800 00 4,480 00 

200 " Third Nat'l Bank, Springfield . . 20,000 00 32,000 00 

75 " Ware Nat'l Bank, Ware . . . 7,500 00 9,000 00 

34 " First Nat'l Bank, Northampton . 3,400 00 4,250 00 

75 " Northampton N'l B'k, North'pton . 7,500 00 12,000 00 

10 " Monson Nat'l Bank, Monson . . 1,000 00 1,250 00 

12 " First Nat'l Bank, Chicopee . . 1,200 00 1,920 00 

20 " Adams Nat'l Bank, North Adams . 2,000 00 2,840 00 

100 " Tremont Nat'l Bank, Boston . . 10,000 00 11,900 00 

100 " Boston Nat'l Bank, Boston . . 10,000 00 12,600 00 

100 " New England Nat'l Bank, Boston . 10,000 00 14,000 00 

100 " Commonwealth Nat'l Bank, Boston . 10,000 00 11,400 00 

100 " Merchandise Nat'l Bank, Boston . 10,000 00 10,500 00 

100 " Merchants' Nat'l Bank, Boston . 10,000 00 14,500 00 

100 " Atlas Nat'l Bank, Boston . . . 10,000 00 12,100 00 

100 " Howard Nat'l Bank, Boston . . 10,000 00 12,500 00 

100 " Webster Nat'l Bank, Boston . . 10,000 00 11,200 00 

150 " Boylston Nat'l Bank, Boston . .15,000 00 18,750 00 

100 " Eliot Nat'l Bank, Boston . . .10,000 00 12,400 00 

100 " Nat'l Bank of Commerce, Boston . 10,000 00 12,900 00 

50 " Nat'l Bank of Commerce, N.Y. . 5,000 00 7,500 00 

100 " Fourth Nat'l Bank, N.Y. . . 10,000 00 12,500 00 

500 " Boston and Albany Railroad . .50,000 00 81,000 00 

183 " Boston and Providence Railroad . 18,300 00 29,646 00 

500 " Connecticut River Railroad . . 50,000 00 83,500 00 



128 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



45 shares Worcester and Nashua Railroad . $4,500 00 £2,700 00 

1,000 " N. Y., N. H., and Hartford R.R. 100,000 00 170,000 00 

500 " N. Y. Cent, and Hud. Riv. R.R. . 50,000 00 65,000 00 

200 " Old Colony Railroad . . . 20,000 00 25,000 00 

1,000 " New York and Harlem Railroad . 50,000 00 100,000 00 

500 " Chic, Burl., and Quincy R.R. . 50,000 00 68,500 00 

100 " Republican Valley Railroad . . 10,000 00 13,700 00 

$1,116,600 00 $1,512,796 00 
Securities held as collateral for cash loans : — 



20 shares Agawam Nat'l Bank, Springfield 



10 
10 
5 
25 
100 
60 



Third Nat'l Bank, Springfield . 
Agawam Nat'l Bank, Springfield 
Connecticut River Railroad 
Quassaic N'l Bank, Newburgh, N.Y. 



Market value. 

$2,600 00 
1,600 00 
1,300 00 
835 00 
625 00 



Nonotuck Paper Company, Holyoke . 10,000 00 



1 Valley Paper Company, Holyoke . 8,400 00 V 

1 share Parsons Paper Company, Holyoke . 10,000 00 ) 

150 shares West Springfield Aqueduct Company, 15,000 00) 

200 " Amherst Water Company . . 20,000 00 > 

60 " Hingham Water Company . . 6,000 00) 

10 " Third Nat'l Bank, Springfield . . 1,600 00 

Kansas City, St. Jo., and C. B. R.R. bonds . 23,800 00 



Loaned thereon. 

$2,275 00 

900 00 

1,000 00 

500 00 

400 00 

15,000 00 



20,000 00 

1,000 00 
20,000 00 



$101,760 00 $61,075 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $111,900 00 
Loans on mortgage of real estate (first liens*), 341,416 67 



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 various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 
Re-insurance due .... 
Gross assets .... 



Losses adjusted unpaid 

claimed and reported 
disputed or resisted 

Total amount of losses 



Liabilities 



. 8,077 51 

1,512,796 00 

. 61,075 00 

. 4,582 27 

. 57,931 27 

. 18,903 10 

138,000 00 

626 00 

500 00 



$2,255,807 82 



$40,100 56 
. 54,084 96 
. 5,541 46 

$99,726 98 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$•225,500 00 
378,000 00 
272,150 00 



1881.] AND FIRE-MARINE INSURANCE COS. 129 



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 



$10,771 33 

$8S,955 65 

715,035 20 

20,700 00 



Surplus over capital 

Income. 

Cash received for fire premiums . . $1,161,557 24 

Deduct re-insurance and return premiums . 127,856 93 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 



- $824,690 85 

. 81,431,116 97 

. 1,000,000 00 



$431,116 97 



Gross cash income .... 

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 incidentals .... 

Gross cash expenditures 



$1,033,700 31 

17,637 32 

80,148 76 

5,129 24 

. $1,136,615 63 



$641,496 68 
38,363 09 



$603,133 59 

100,000 00 

168,223 S9 * 

41,661 82 

34,79S 90 

99,624 71 

1,047,442 91 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written duriug 1SS1 . 

Total 

Deduct risks expired and terminated 

In force at end of year 



Premiums. 

$102,002,313 00 $1,240,007 17 
101,403,100 00 1,196,557 24 



$203,405,413 00 $2,436,564 41 
. 87,053,006 00 1,029,303 53 



$116,351,507 00 $1,407,260 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 (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by the directors . 
17 



$13,147,110 48 

8,548,507 60 

1,492,042 00 

100,000 00 

623,484 74 

200,200 00 



130 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



TRADERS' AND MECHANICS' INSURANCE COMPANY, 

LOWELL.* 

[Incorporated June, 1848. Commenced business June, 1848.] 

Paid-up Capital, $100,000. 

Levi Sprague, President. Edward M. Tucke, Secretary. 



Detailed Statement of Stocks 

Boston and Lowell Railroad bonds 
Lowell and Lawrence Railroad bonds 
Boston and Maine Railroad bonds 
Eastern Railroad bonds .... 
Cook County (111 ) bonds .... 
10 shares Stony Brook Railroad 

2 

7 

5 
20 
20 

6 

2 

34 
10 
10 
10 



Merrimack Manufacturing Company 
Massachusetts Manufacturing Co. 
Lowell Manufacturing Company 
Bates Manufacturing Company . 
Hill Manufacturing Company 
Hamilton Manufacturing Company 
Appleton Manufacturing Company 
Prescott National Bank 
Atlas National Bank . 
Tremont National Bank 
Merchants National Bank . 



Summary of Assets Dec. 
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 office and bank 
Personal loan .... 
Gross assets 

Liabilities 

Xet amount of unpaid losses 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



, Bonds, etc. 

Par value. 

$10,000 00 

. 6,000 00 

. 5,000 00 

. 5,000 00 

. 2,000 00 

. 1,000 00 

. 2,000 00 

. 7,000 00 

. 3,450 00 

. 2,000 00 

. 2.000 00 

. 6,000 00 

. 2,000 00 

. 3,400 00 

. 1,000 00 

. 1,000 00 

. 1.000 00 



Market value. 

811,500 00 
6,600 00 
6,000 00 
5,000 00 
2,000 00 
1,150 00 
3,500 00 
8,400 00 
3,450 00 
4,000 00 
2,000 00 
7,200 00 
2,000 00 
4,420 00 
1,200 00 
1,180 00 
1,375 00 



$59,850 00 §70,975 00 

31, 1881. 

612,000 00 
61,300 00 
904 95 
70,975 00 
1,442 81 
500 00 
$147,122 76 



§2,500 00 



2,500 00 

§144,622 76 
100,000 00 

$44,622 76 



* The stock branch of this company is closing up. 



1881.] AND FIRE-MARINE INSURANCE COS. 131 



Income. 

Interest and dividends received from all sources 
Income from rents ...... 



Gross cash income 



,764 62 
851 99 



1,616 61 



Expenditures. 

Cash paid for fire losses .... 

dividends paid 

paid for salaries of officers and employes 
for state and local taxes 
for return premiums . 

Gross cash expenditures 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1880 . # . $2,898,452 00 
Deduct risks expired and terminated . . 2,898,452 00 



K,604 69 
8,000 00 
5,628 57 
1,834 80 

9,782 85 



$29,850 91 



Premiums. 

$37,298 34 
37,298 34 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$477,248 13 

300,600 74 

180,500 00 

8,000 00 

4,402 09 

3,100 00 



WASHINGTON FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 31, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $400,000. 

Isaac Sweetser, President. A. W. Damon, Secretary. 

Office, No. 88 State Street. 



Detailed Statement of Stocks, Bonds, etc. 



250 shares Atlas National Bank 

567 " Columbian National Bank 

75 " Continental National Bank 
100 " Hamilton National Bank . 
150 " Merchants' National Bank 

50 " Merchandise National Bank 



Par value. 

$25,000 00 
. 56,700 00 
. 7,500 00 
. 10,000 00 
. 15,000 00 
. 5,000 00 



Market value. 

$30,250 00 

78,246 00 

8,785 00 

11,475 00 

21,750 00 

5,200 00 



132 MASS. JOINT-STOCK, FIRE, MARINE, [Dec. 31, 



Par value. 

120 shares City National Bank . . . $12,000 00 
109 " Eagle National Bank . . . 10,900 00 
75 " Commerce National Bank . . . 7.500 00 
81 " Hide anrl Leather National Bank . 8,100 00 
100 " Revere National Bank . . . 10,000 00 
74 " State National Bank . . . 7,400 00 

18 " Suffolk National Bank . . . 1,800 00 
15 " Washington National Bank . . 1,500 00 
40 " Norwich and Worcester Railroad . 4,000 00 
10 " Boston Gas Company . . . 5,000 00 

United States bonds 100,000 00 

City of Boston bonds . . # . . 110,000 00 

Old Colony Railroad bonds .... 20,000 00 

Eastern Railroad bonds 61,500 00 

Chicago, Burlington, and Quincy R.R. bonds . 20,000 00 
Union Pacific Railroad bonds .... 20,000 00 
Cedar Rapids and Missouri River R.R. bonds . 5,000 00 



Market value. 

814,040 00 

12.971 00 

9,G75 00 

9,234 00 

11,700 00 

9,398 00 

2,1G0 00 

2,092 00 

6,240 00 

7,900 00 

114.825 00 

138,200 00 

25,350 00 

65,036 00 

25,300 00 

22,800 00 

6,000 00 



$523,900 00 $639,227 00 



Securities held as collateral for cash loans: — 



320 shares Indian Orchard Mills 
10 " Commercial Wharf Company 
10 " Boston and Lowell Railroad 
10 " Boston National Bank 
20 " Shoe and Leather Insurance Co 
15 " Boylston Mutual Insurance Co. 



Market value. Loaned thereon. 

$10,000 00 $25,000 00 



25,000 00 
5,300 00 -J 



1,250 00 
2,760 00 ! 
2,250 00 J 



10,000 00 



Y 10,000 00 



$76,560 00 



[5,000 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $16,000 00 

967 00 

639,227 00 

45,000 00 

8,819 67 

132,144 53 

2,946 20 

20,816 04 

47,058 91 



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 Columbian Nat'l Bank 

Interest due and accrued . 

Premiums in course of collection (gross) 

Notes taken for marine and inland risks 

Gross assets .... 

Deduct special deposit in Virginia 

Balance 



$943,009 35 
20,000 00 

$923,009 35 



* Value of lands mortgaged $21,500 00 

Value of buildings thereon 65,500 00 

Amount of insurance held as collateral . . . 53,000 00 



1881.] AND FIRE-MARINE INSURANCE COS. 133 



Liabilities 

Losses claimed and reported 

Unearned premiums on outstanding risks 

Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liability on special deposit 

Surplus as regards policy-holders 
Paid-up capital 



$55,884 00 

148,961 06 

8,678 82 

$213,523 88 
12,194 48 



Surplus over capital 

Income. 

Cash received for fire premiums . . $185,132 31 

Deduct re-insurance and return premiums . 18,622 74 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums, $184,441 09 
Deduct re-insurance and return premiums . 27,997 11 

Net cash rec'd for marine and inPd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from profit and loss ...... 

Gross cash income 



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 . 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for rent and incidentals 



$201,329 40 

$721,679 95 
400,000 00 

$321,679 95 



$166,509 57 



156,443 98 

3,900 00 

33,444 86 

186 30 



• • • 

$101,562 93 
264 51 


$360,484 71 

$101,298 42 

111,675 46 
40,000 00 
48,111 07 
16,612 50 
7,624 01 
12,244 41 


$137,885 70 
26,210 24 


• . . 



Gross cash expenditures 



$337,565 87 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums 

$160,492 40 
185,573 11 

$346,065 51 
151,677 25 

$194,388 26 
2,047 57 

$17,205,574 00 $192,340 69 



$14,892,320 00 
19,977,953 00 

$34,870,273 00 
17,509,143 00 

$17,361,130 00 
155,556 00 



134 MASS. JOINT-STOCK, FIRE, MARINE, [Dec. 31, 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



Net amount in force 



Premiums. 

$5,159,509 00 876,219 77 
13,531,631 00 175,552 10 



$18,691,140 00 $251,771 87 
14,726,504 00 198,682 40 



$3,964,636 00 
74,900 00 



$53,089 47 
1,273 13 



$3,889,736 00 $51,816 34 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$2,556,376 95 

1,411,714 05 

280,000 00 

40,000 00 

122,030 43 

127,112 22 

60,200 00 



1881.] AND FIRE-MARINE INSURANCE COS. 135 



AGGREGATE. 



Capital Stock. 




Whole amount of capital actually paid up in cash 


$6,950,000 00 


Assets. 




Gross present assets ....... 


$13,763,654 00 


Liabilities. 




Gross present liabilities . . .... 


$4,119,299 00 


Income 




Cash actually received for fire premiums 


$3,190,369 00 


actually received for marine premiums 


2,276,009 00 


for interest and dividends from all sources . 


562,359 00 


from all other sources ...... 


26,450 00 


Gross cash income 


$6,055,187 00 


Expenditures. 




Cash actually paid during the year for fire losses . 


$2,021,646 00 


actually paid during the year for marine losses . 


1,755,038 00 


for dividends to stockholders 


577,057 00 


for brokerage and commissions on premiums 


733,355 00 


for salaries and pay of officers and employes 


306,247 00 


for state and local taxes ..... 


163,756 00 


for office, agency, and incidental expenses . 


380,744 00 


Gross cash expenditures 


$5,937,843 00 


Miscellaneous. 




"Whole amount of fire risks written during the year . 


$102,296,830 00 


premiums charged or receivable thereon . 


3,725,354 00 


marine risks written during the year 


216,470,226 00 


premiums charged or receivable thereon . 


2,853,539 00 


fire risks terminated during the year 


341,065,526 00 


marine risks terminated during the year . 


212,787,076 00 


fire risks outstanding at end of year 


421,497,367 00 


marine risks outstanding at end of year . 


35,162,529 00 


unpaid premium notes received during the year, 


755,920 00 


cash dividends declared during the year . 


581,000 00 


fire losses incurred during the year . 


2,267,807 00 


marine losses incurred during the year 


2,256,389 00 



FIRE, MARINE, AND FIRE-MARINE 
INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

op Annual Statements, for the Year ending 

December 31, 1881. 



18 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



.ETNA INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 19, 1819.] 

Paid-up Capital, $4,000,000. 

Lucius J. Hendee, President. Jotham Goodnow, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United Slates bonds . 

Alabama state bonds . 

Canada dominion stock 

Connecticut state bonds 

New Hampshire state bonds 

Rhode Island state bonds . 

South Carolina state bonds (consolidated) 

Tennessee state bonds 

Hudson county (N.J.) bonds 

Barkhamsted (Conn.) town bonds 

Hartford (Conn.) town bonds . 

Norwich (Conn.) town bonds 

Norfolk (Conn.) town bonds 

Danbury (Conn.) town bonds . 

Pawtucket (R.I.) town bonds . 

Windsor Locks (Conn.) town bonds 

Middletown (Conn.) town bonds 

Bloomington (111.) city bonds 

Boston (Mass.) city bonds . 

Brooklyn (N.Y.) city bonds 

Buffalo (N.Y.) city bonds . 

Cleveland (O.) city bonds . 

Cleveland (O.) city bonds . 

Cincinnati (O.) city water bonds 

Chicago (111.) city bonds . 

Detroit (Mich.) city bonds 

Hartford (Conn.) city bonds 

Indianapolis (Ind.) city bond 

Ironton (O.) city bonds 



Par value. 

$339,000 00 
. 10,000 00 
. 5,070 69 
108,500 00 
. 48,000 00 
. 91,000 00 
. 14,605 00 
. 31,000 00 
. 25,000 00 
. 13,000 00 
. 46,000 00 
100,000 00 
. 26,000 00 
. 15,000 00 
100,000 00 
. 24,000 00 
. 60,000 00 
. 20,000 00 
. 50,000 00 
. 11,000 00 
. 50,000 00 
. 25,000 00 
. 80,000 00 
. 50,000 00 
. 63,000 00 
. 50,000 00 
113,000 00 
. 50,000 00 
. 10,000 00 



Market value. 

$397,942 50 
8,100 00 
5,070 69 

114,467 50 
53,760 00 

101,920 00 
ir>,335 25 
22,940 00 
27,500 00 
13,650 00 
48,300 00 

125,000 00 
27,300 00 
15,300 00 

120,000 00 
25,680 00 
64,200 00 
22,400 00 
59,000 00 
12,100 00 
61,000 00 
25,500 00 
88,000 00 
57,500 00 
71,150 00 
57,500 00 

122,040 00 
60,000 00 
10,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



139 



Par value. 

$46,000 00 
. 25,000 00 
. 13,000 00 
. 10,000 00 
.50,000 00 
. 20,000 00 
. 21,000 00 
. 45,000 00 
. 50,000 00 
. 12,000 00 
. 35,000 00 
. 10,000 00 
. 18,000 00 
. 25,000 00 
. 25,000 00 
. 1,000 00 
. 20,000 00 
. 10,000 00 
. 15,000 00 
. 3,000 00 
. 31,000 00 
. 50,000 00 
. 15,000 00 
b'ds, 85,000 00 



Jersey City (N.J.) city bonds . 

Lockport (N.Y.) city bonds 

Montreal (Can.) corporation stock 

Montreal (Can.) corporation bonds 

Newark (N.J.) city bonds . 

New Brunswick (N.J.) city bonds 

New York city stock . 

Rah way (N.J ) city bonds 

Providence (R.I ) city bonds 

East Saginaw (Mich.) city bonds 

Titusville (Penn ) city bonds 

Corry (Penn.) city bonds . 

Toledo (O.) city bonds 

Rochester (N.Y.) city bonds 

Oswego (N.Y.) city bonds 

West School District bonds, Vernon, Conn 

School District, town Woodbridge, N.J. 

Montezuma (Io ) school bonds . 

State Centre (Io.) school bonds . 

Blakesburgh (Io.) school bonds . 

Atlantic Dock Company bonds . 

Albany and Susquehanna Railroad bonds 

Buffalo and Erie Railroad bonds 

Clev., Col., Cin., and Indianap. R.R. S. F 

Cleveland, Painsville, and Ashtabula R.R. b'ds, 22,000 00 

Cleveland and Toledo R.R. Gen. S. F. bonds . 85,000 00 

Chicago, Burlington, and Quincy R.R. bonds . 90,000 00 

Chicago and North- Western Railroad bonds, 125,000 00 

Chicago, Rhode Island, and Pacific R R. bonds, 50,000 00 

Chicago and West Indiana Railroad bonds . 50,000 00 

Chicago, Milwaukee, and St. Paul R.R. bonds . 43,000 00 

Cincinnati, Hamilton, and Dayton R.R. bonds . 20,000 00 

Columbus and Xenia Railroad bonds . . 50,000 00 

Dayton and Western Railroad bonds . . . 25,000 00 

Delaware and Hudson Canal Company bonds . 55,000 00 

Harlem River and Port Chester R.R. bonds, }50,000 00 

Housatonic Railroad bonds .... 75,000 00 

Indianapolis and Cincinnati Railroad bonds . 25,000 00 

Jackson, Lansing, and Saginaw Railroad bonds, 25,000 00 

Joliet and Chicago Railroad bonds . . . 18,000 00 

Keokuk and Des Moines Railroad bonds . . 40,000 00 

Lake Shore Railroad bonds .... 10,000 00 

Lake Shore and Michigan Southern R. R. bonds, 60,000 00 

Little Miami Railroad bonds . 72,000 00 

Michigan Central Railroad bonds . . . 60,000 00 

Minnesota and St. Louis Railroad bonds . . 25,000 00 

Michigan South'n and N. Indiana R.R. bonds . 20,000 00 

Morris and Essex Railroad bonds . . . $6,000 00 



Market value. 

$48,300 00 
28,750 00 
13,390 00 
10,300 00 
57,500 00 
22,000 00 
23,100 00 
15,750 00 
59,000 00 
12,600 00 
35,750 00 
10,000 00 
20,160 00 
29,500 00 
27,500 00 
1,000 00 
21,000 00 
10,200 00 
15,000 00 
3,000 00 
31,930 00 
53,000 00 
18,750 00 

106,250 00 
25,300 00 
93,500 00 

107,800 00 

145,500 00 
64,000 00 
52,500 00 
52,000 00 
21,200 00 
55,000 00 
26,250 00 
67,150 00 

181,000 00 
80,500 00 
27,500 00 
27,250 00 
18,360 00 
42,000 00 
12,400 00 
71,600 00 
72,000 00 
73,100 00 
28,000 00 
27,000 00 

121,400 00 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Par valne. 

New York Central Railroad bonds . . 875.000 00 

N. Y. Central and Hudson River R.R. bonds, 175,000 00 
New York and Harlem Railroad bonds . . 10,000 00 
N. Y., Lake Erie, and Western Railroad b'ds . 25,000 00 
Pittsburg, Ft. Wayne, and Chicago R.R. b'ds, 233,000 00 
St. Johnsbury and Lake Champlain R.R. b'ds . 55,000 00 
Vermont Valley Railroad bonds •. . . 50,000 00 
Atlantic Mutual Insurance Company scrip . 37,290 00 

50 shares Connecticut River Company . . 5,000 00 

500 

144 
1,000 

175 

250 

100 

158 
1,000 

800 
1,000 

750 

500 

100 

100 
67 

220 



50 
50 
200 
200 
200 
346 
200 
150 
550 
481 

200 
981 
827 
250 
400 
300 
100 
500 
100 
300 
400 



Albany and Susquehanna R.R. Co. 50,000 00 
Central Ohio Railroad Company . 7,200 00 
Cleveland and Pittsburgh R.R. Co. 50,000 00 
Connecticut River Railroad Co. . 17,500 00 
Dubuque and Sioux City R.R. Co. 25,000 00 
Joliet and Chicago Railroad Co. . 10,000 00 
Keokuk and Des M. R.R. Co. pref. 15,800 00. 
Morris and Essex Railroad Co. . 50,000 00 
N. Y. Cent, and H. Riv. R.R. Co. 80,000 00 
N. Y., N. H., and H. R.R. Co. 100,000 00 
Pittsb., Ft. W , and Chi. R R. Co. 75,000 00 
New York and Harlem R.R. Co. . 25,000 00 
Ashuelot Railroad Co. . . . 10,000 00 
New Britain (Conn.) Xat'l Bank . 10,000 00 
First National Bank, Albany . . 6,700 00 
Farmers' and Mechauics' National 

Bank, Philadelphia . . . 22,000 00 
Merchants' Bank, St. Louis . . 5,000 00 
Merchants' Nat'l Bank, St. Louis . 5,000 00 
Mechanics' Nat'l Bank, St. Louis . 20,000 00 
^tna National Bank, Hartford . 20,000 00 
American Nat'l Bank, Hartford . 10,000 00 
Charter Oak Nat'l B'k, Hartford .'31,600 00 
City National Bank, Hartford . 20,000 00 
Conn. Riv. Banking Co., Hartford, 7,500 00 
National Exch. Bank, Hartford . 27,500 00 
Farmers' and Mechanics' National 

Bank, Hartford .... 48,100 00 
First National Bank, Hartford . 20,000 00 
Hartford National Bank . . .98,100 00 
Phcenix Natioual Bank, Hartford . 82,700 00 
State Bank, Hartford . . . 25,000 00 
American Exch. Nat'l Bank, N.Y. 40,000 00 
Nat'l Butch, and Drov. B'k, N.Y. . 7,500 00 
National City Bank, N.Y. . . 10,000 00 
Nat'l Bank of Commerce, N.Y. . 50,000 00 
Hanover National Bank, N.Y. . 10,000 00 
Imp. and Traders' Nat'l B'k, N.Y. 30,000 00 
Bank of the Manhattan Co., N.Y. 20,000 00 



Market value. 

881,750 00 

239,750 00 

13,000 00 

32,250 00 

303,880 00 

60,500 00 

53,000 00 

37,290 00 

1,000 00 

63,000 00 

3,600 00 

67,000 00 

28,000 00 

21,250 00 

13,000 00 

7,900 00 

61,000 00 

105,600 00 

170,000 00 

100,500 00 

51,250 00 

11,500 00 

13,000 00 

10,720 00 

29,700 00 
400 00 

5,250 00 
21,000 00 
26.000 00 
15,000 00 
48,440 00 
19,000 00 

8,250 00 
42,350 00 

64,454 00 

24,400 00 

166,770 00 

142,244 00 

27,500 00 

50,000 00 

9,750 00 

26,000 00 

75,000 00 

13,5C0 00 

75,000 00 

27,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



141 



100 shares 


700 


(i 


160 


(< 


1,200 


(i 


398 


i< 


200 


(i 


277 


i< 


200 


(< 


277 


(( 


200 


l< 


150 


(1 


354 


(I 


150 


(( 


100 


u 


100 


(( 


100 


41 



Market Nat'l Bank, N.Y. . 
Merchants' National Bank, N.Y. 
Merchants' Exch. Nat'l Bank, N. 
Mechanics' National Bank, N.Y. 
Metropolitan Nat'l Bank, N.Y. 
Nassau Bank, N.Y. 
B'k of N.Y. Nat'l B'k'g Asso , N. 
Bank of North America, N.Y. 
Phenix National Bank, N.Y. 
People's Bank, N.Y. 
National B'k of the Republic, N. 
Union National Bank, N.Y. . 
N. Y. Life Ins and Trust Co , N. 
United States Trust Co., N.Y. 
Union Trust Company, N.Y. 
Central Trust Company, N.Y. 



Tar value. 

$10,000 00 
. 35,000 00 

Y. 8,000 00 
. 30,000 00 
. 39,800 00 
. 20,000 00 

Y. 27,700 00 
. 14,000 00 
. 5,540 00 
. 5,000 00 

Y. 15,000 00 
. 17,700 00 

Y. 15,000 00 
. 10,000 00 
. 10,000 00 
. 10,000 00 



Market value. 

$14,000 00 
45,500 00 
8,000 00 
43,500 00 
67,660 00 
20,000 00 
38,780 00 
14,700 00 
5,872 40 
7,500 00 
21,000 00 
27,435 00 
63,000 00 
42,500 00 
20,000 00 
20,000 00 



$5,642,405 69 $6,925,391 34 



Securities held as collateral for cash loans : — 



8 sha 
5 



12 

10 
10 

5 
76 
78 
21 
20 
22 
20 

5 
18 

3 

5 
61 
20 
20 

7 
224 
22 
65 
25 
25 



es ^Etna Nat'l B'k of Hartford, Conn. . 
Mer. Nat'l Bank of Hartford, Conn. 
First Nat'l Bank of Hartford, Conn. 
Amer'n Nat'l B'k of Hartford, Conn. 
Nat'l Exch. Bank of Hartford, Conn. 
Phoenix Nat'l B'k of Hartford, Conn. 
N. Y., N. H., and H. R.R. Co. 
N. Y. and Harlem R.R. Co 
Willimantic Linen Co., Conn. . 
Travelers' Ins. Co., Hartford, Conn. 
Hartford Bridge Co. 
Philadelphia (Penn.) Warehouse Co. 
Chicago and Alton R R. Co. 
Union Pacific R R. Co. 
Chic, Bur , and Q. R.R. Co. . 
Atchison, T., and Santa Fe R R. Co. 
New Haven (Conn.) Water Co. 
Mid. Co. Nat'l B'k, Middletown, Conn. 
Rockville (Conn.) Nat'lBank . 
Second Nat'l Bank, Springfield 
Broad Brook Co., Hartford, Conn. 
Holyoke Water Power Co., Mass. 
Nat'l Park Bank, N.Y. . 
Nat'l B'k of Commerce, N.Y. . 
Mechanics' National Bank, N.Y. 



Cin., Ham., and D. R R. bonds 



Market value. 

$1,040 00 

640 00 

1,464 00 

625 00 

770 00 

860 00 

12,920 00 

7,995 00 

1,890 00 

4,900 00 

3,740 00 

2,000 00 

645 00 

2,097 00 

405 00 

465 00 

4,758 00 

2,340 00 

2,320 00 

1,176 00 

14,000 00 

5,060 00 

10,400 00 

, 3,750 00 

906 25 

, 3,180 00 



Loaned thereon. 

$720 00 

500 00 

540 00 

360 00 

500 00 

180 00 

3,310 00 

6,870 00 

1,400 00 

2,340 00 

2,970 00 

1,530 00 

450 00 

2,430 00 

3,060 00 
900 00 
1,080 00 
540 00 
5,000 00 
2,970 00 
8,300 00 

3,600 00 
1,500 00 



$90,346 25 $51,050 00 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $365,000 00 
Loans on mortgage of real estate (first liens*), 75,572 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 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 

Gross assets .... 
Deduct special deposit in Canada 



Balance $8,790,411 95 



847 30 

6,925,391 34 

51,050 00 

7,605 58 

1,174,134 08 

1,603 11 

301,069 23 



$8,902,272 64 
111,860 69 



Liabilities 
Losses adjusted unpaid 

claimed and reported 
disputed or resisted . 

Total amount of losses 
Less re-insurance 

Xet amount of unpaid losses 

tTnearned premiums on outstanding risks 

Reclaimable on perpetual fire policies, 

Due and accrued for printing 

Commissions and brokerage 

Return premiums .... 

Gross liabilities, except capital . 
Deduct liabilities on special deposit . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$20,721 29 

151,224 51 

14,700 00 

8186,645 80 
1,600 00 

$185,045 80 

1,530,468 62 

7,578 00 

500 00 

41,005 86 

10,251 46 

1,774, S49 74 
47,700 38 



1,727.149 36 

. $7,063,262 59 
. 4,000,000 00 



. $3,063,262 59 



Income. 

Cash received for fire premiums . . $2,346,333 57 

Deduct re-insurance and return premiums . 133,316 17 

Net cash received for fire premiums . . 

Cash received for inland premiums . . $172,056 61 

Deduct re-insurance and return premiums . 25,459 54 

Xet cash received for inland premiums . 



.$2,213,017 40 



146,597 07 



* Value of lands mortgaged . 
Value of buildings thereon . 
Amount of insurance held as collateral 



$92,000 00 
88,000 00 
52,400 00 



1881.] 



INS. COS. OF OTHER STATES. 



143 



Interest received on bonds and mortgages .... $4,659 84 
Interest and dividends received from all other sources . 368,266 58 

Income from rents • 7,122 65 

Deposits received for perpetual fire risks . . $3,473 20 
Received for increased capital . . . 1,000,000 00 



Gross cash income 



. $2,739,663 54 



Expenditures. 

Cash paid for fire losses .... 

paid for inland losses 

dividends paid ..... 

paid for commissions and brokerage . 
for salaries of officers and employes 
for state and local taxes 
for incidentals . . . 

Gross cash expenditures 



$1,043,848 55 

56,673 63 

610,000 00 

354,387 99 

140,466 33 

44,930 97 

108 079 61 

$2,358,387 08 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$270,049,590 00 $2,918,687 53 
234,240,812 00 2,304,748 71 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$504,290,402 00 $5,223,436 24 
226,253,662 00 2,251,312 26 



$278,036,740 00 $2,972,123 98 
2,466,274 00 27,310 91 



$275,570,466 00 $2,944,813 07 



Inland risks outstanding Dec. 31, 1880 
Inland risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$425,650 00 
42,271,280 00 

$42,696,930 00 
42,023,980 00 

$672,950 00 
17,500 00 



$20,124 20 
168,110 64 

$188,234 84 
161,922 39 

$26,312 45 
247 50 



$655,450 00 $26,064 95 



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 .... 
Fire losses incurred during the year .... 
Inland losses incurred during the year 
Company's stock owned by directors .... 



$87,362,354 41 

53,402,047 63 

12,113,365 00 

610,000 00 

1,065,670 52 

61,165 43 

351,300 00 



144 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



ALBANY INSURANCE COMPANY, ALBANY, N.Y. 

! Incorporated March 8, 1811. Commenced business March 16, 1811. Re-organized June 

1, 1881.] 

Paid-up Capital, $200,000. 

J. Howard King, President. Theodore Townsend, Secretary. 

Detailed Statement op Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $300,000 00 $306,375 00 

Albany city bonds ..... 10,000 00 10,500 00 

Watervliet town and railroad bonds . . 15,000 00 15,750 00 

Buffalo and Erie Railroad bonds . . 5,000 00 6,000 00 



$330,000 00 $338,625 00 



Securities held as collateral for cash loans : — 



Market value. 

. $1,150 00 



Long Dock Company bond 

Summary of Assets Dec. 31, 1881. 

Stocks, bonds, etc., as per schedule . . $338,625 00 

Loans on collateral security as per schedule, 750 00 

Cash in the office of the company . . 2,917 76 

Cash deposited in bank .... 10,250 40 

Interest due and accrued .... 14 58 

Premiums in course of collection . . 92 21 

Gross assets 

Liabilities. 

Losses claimed and reported . . . $270 00 

Unearned premiums on outstanding risks . 37,030 94 

State and local taxes 2,812 50 

Gross liabilities, except capital . . 



Loaned thereon. 

$750 00 



$352,649 95 



40,113 44 



Surplus as regards policy-holders . . . . $312,536 51 
Paid-up capital 200,000 00 



Surplus over capital 

Income. 
Cash received for fire premiums . . . $65,538 90 
Deduct re-insurance and return premiums . 4,095 50 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income ....... 

Expenditures. 
Cash paid for fire losses 

dividends paid .... 
paid for commissions and brokerage 
for salaries and rent . 
for state and local taxes . 

Gross cash expenditures 



$112,536 51 



$61,443 40 
11,577 14 

$73,020 54 

$35,482 72 
112,500 00 

8,368 21 
10,062 87 

1,286 47 

$167,700 27 



1881.] 



INS. COS. OF OTHER STATES. 



145 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$,375,743 00 
8,519,597 00 



$17,895,340 00 
8,889,843 00 

$9,005,497 00 
178,200 00 



Premiums. 

$71,493 72 
65,584 61 

$137,078 33 
64,630 74 

$72,447 59 
1,202 07 



1,827,297 00 $71,245 52 



Miscellaneous. 
Premiums received from re-organization of company (June 

1, 1881) $35,697 68 

Losses paid from re-organization of company (June 1, 1881), 19,894 19 

Fire losses incurred during the year . . . . . 31,601 17 

Company's stock owned by directors ..... 37,560 00 



AMERICAN INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 

Paid-up Capital, $600,000. 

S. G. Gould, President. Fred H. Harris, Secretary. 

Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $381.224 21 
Loans on mortgage of real estate (first liens *), 621,471 75 



Interest due or accrued thereon . 
United States bonds .... 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 
Company's own stock . . $70,000 00 

Premiums more than three mos. due . 1,269 19 
Expense on account mortgages . . 459 63 
Gross assets ...... 



. 15,690 73 
458,250 00 
. 6,655 97 
. 33,187 21 
. 3,750 00 
. 13,955 48 
. 4,192 83 



$1,538,378 18 



Liabilities. 

Losses adjusted unpaid $2,545 48 

Losses claimed and reported . . . . 11,114 50 
Unearned premiums on outstanding risks . 125,961 97 
Dividends to stockholders unpaid . . . 5,707 75 



* Total value of property mortgaged 
Amount of insurance beld as collateral 

19 



$1,808,650 
672,725 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 



Commissions and brokerage 
Dividends to policy-holders unpaid 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$2,451 85 
15,810 00 



$103,621 55 



1,374,756 63 
600,000 00 

8774,756 63 



Income. 
Cash received for fire premiums . . . 8228,079 43 
Deduct re-insurance and return premiums . 16,875 08 

Net cash received for fire premiums . . 8211,204 35 

Interest received on bonds and mortgages . . . . 40,118 15 
Interest and dividends received from all other sources . 25,310 65 
Income from rents 17,865 92 



Gross cash income 



8294,499 07 



Expenditures. 
Cash paid for fire losses 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash dividends paid stockholders 
dividends paid policy-holders 
paid for commissions and brokerage . 
for salaries of officers and employes 
for state and local taxes 
for incidentals .... 

Gross cash expenditures 

Risks and Premiums. 



$91,299 49 
2,082 35 



,217 14 
59,149 00 
14,266 00 
31,331 89 
29,751 50 
8,685 22 
13,709 16 



$246,109 91 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Xet amount in force . 



$28,083,714 00 
30,998,616 00 



Premiums. 

8217,994 29 
225,398 71 

8443,393 00 
194,415 40 

$248,977 60 
5,578 91 

$29,638,963 00 $243,398 69 



$59,082,330 00 
28,793,496 00 



$30,288,834 00 
649,871 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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,385,787 08 

906,192 85 

1,103,918 26 

60,000 00 

100,639 32 

3S.845 00 



1881.] 



INS. COS. OF OTHER STATES. 



147 



AMERICAN CENTRAL INSURANCE COMPANY, 
ST. LOUIS, MISSOURI. 

[Incorporated February, 1853. Commenced business February, 1853.] 

Paid-up Capital, $600,000. 

George T. Cram, President. James Newman, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
Missouri state bonds . 
St. Louis Central Railroad bonds 
Missouri Pacific Railroad bonds 
North Missouri Railroad bonds . 
St. Louis park bonds 
La Clede gas bonds . 
100 shares Commercial Bank 
200 " La Clede Gas Company- 
ISO " Third National Bank 
111 " Mechanics' Bank 
5 H St. Louis National Bank 



Par value. 

$200,000 00 

385,000 00 

75,000 00 

66,000 00 

25,000 00 

15,000 00 

5,000 00 

10,000 00 

20,000 00 

13,000 00 

11,100 00 

5,000 00 



Market value. 

$260,000 00 

438,900 00 

75,000 00 

72,485 00 

31,125 00 

18,600 00 

5,100 00 

26,500 00 

23,400 00 

13,000 00 

12,099 00 

5,675 00 



$830,100 00 $981,884 00 



Summary of Assets Dec. 31, 1881. 



Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in Bank of Commerce 
Interest due and accrued . 
Premiums in course of collection (gross) 
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 
Dividends to stockholders unpaid 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$981,884 00 

856 81 

76,135 32 

7,320 00 

94,348 96 



$12,742 13 

33,551 25 

6,465 00 

$52,758 38 
3,147 95 

$49,610 43 

262,697 09 

573 50 

14,152 34 



,160,545 09 



327,033 3G 

$833,511 73 
600,000 00 

$233,511 73 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . . $510,016 40 
Deduct re-insurance and return premiums . 98,215 33 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 
Received for increased capital . $300,000 00 

Gross cash income 



$411,801 07 
35,665 05 

$447,466 12 



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 rent ..... 

for incidentals .... 

Gross cash expenditures 



$276,204 16 
30,255 61 



$245,948 55 
85,899 75 
55,057 45 
33,226 50 
7,886 84 
4,166 67 
35,544 61 

$467,730 37 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$29,303,986 00 
39,477,485 00 



$68,781,471 00 
31,613,441 00 



Premiums. 

$450,770 79 
550,825 43 

1,001,596 22 
450,095 99 



$37,168,030 00 
2,023,383 00 



$551,500 23 
34,359 73 



$35,144,647 00 $517,140 50 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$6,461,666 29 

3,52S,310 60 

365,337 70 

85,800 00 

264,938 07 

66,900 00 



1881.] 



INS. COS. OF OTHER STATES. 



149 



AMERICAN EXCHANGE FIRE INSURANCE COMPANY, 

NEW YORK, N.Y. 

[Incorporated Feb. 28, 1859. Commenced business March 1, 1859.] 

Paid-up Capital, $200,000. 

William Rayxor, President. Thomas Clark, Jun., Secretary. 



Detailed Statement of Stocks, Boxds, etc. 



Par value. 

United States bonds $138,000 00 

200 shares N. Y. Cent, and Hudson River R.R. 20,000 00 



200 

200 
34 
50 

100 
24 

100 



Western Union Telegraph Co. . . 20,000 00 

Chicago and North- Western R.R. . 20,000 00 

Central National Bank . . . 3,400 00 

Fourth National Bank . . . 5,000 00 

American Exchange National Bank . 10,000 00 

Manhattan Gas Company . . . 1,200 00 

New York Gas Company . . . 10,000 00 



Market value. 

$141,810 00 

26,375 00 

16,000 00 

26,550 00 

4,454 00 

6,350 00 

12,500 00 

2,640 00 

10,700 00 



$227,600 00 $247,379 00 



Securities held as collateral for cash loans : — 

30 shares Long Island Insurance Company 
20 " Merchants' Exchange National Bank 
2 " Ninth National Bank . 



Market value. 

$1,740 00 
1,000 00 
240 00 . 



Loaned thereon. 

$1,200 00 
- 500 00 



$2,980 00 $1,700 00 



Summary of Assets Dec. 31, 1881. 

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 
Cash deposited in various banks 
Interest due and accrued .... 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Premiums more than three months due, $507 63 
Gross assets ...... 



20,000 00 
6,000 00 

120 00 

247,379 00 

1,700 00 

8,045 41 

1,119 44 

734 63 
3,607 05 

200 00 



288,905 53 



Liabilities. 



Losses adjusted unpaid 
Losses claimed and reported 



$368 25 
1,500 00 



* Value of lands mortgaged 
Value of buildings thereon . 
Amount of insurance held as collateral 



$5,000 00 
8,000 00 
7,500 00 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 



$19,367 78 
270 00 
500 00 
287 89 
349 43 



Surplus over capital 

Income. 

Cash received for fire premiums . . $47,417 61 

Deduct re-insurance and return premiums . 9,122 20 

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 .... 

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 
for incidentals .... 

Gross cash expenditures 

Risks and Premiums 



$22,424 27 
2,138 31 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 



$9,039,864 00 
11,803,689 00 

$20,843,553 00 
11,222,258 00 



£9,621,295 00 
664,880 00 



$90,000 00 
48,500 00 

$138,500 00 
90,000 00 



$22,643 35 

$266,262 18 
200,000 00 



,262 18 



$38,295 41 

2,167 50 

360 00 

23,305 87 



$64,128 78 



$20,285 96 

182 29 

20,455 00 

4,024 91 

14,700 00 

3,838 44 

7,175 07 



$70,661 67 

Premiums. 

$34,111 43 
47,023 28 

$81,134 71 
41,626 34 

$39,508 37 
3,613 86 

i, 956,415 00 $35,894 51 



$2,398 44 
2,167 50 

$4,565 94 
2,398 44 



$48,500 00 $2,167 50 



1881.] 



INS. COS. OF OTHER STATES. 



151 



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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



,449,607 00 

'557,471 00 

325,000 00 

20,000 00 

19,963 70 

1,182 29 

64,400 00 



AMERICAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 

Paid-up Capital, $400,000. 

James M. Halsted, President. David Adee, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds $575,000 00 

Delaware and Hudson Canal Company bonds . 50,000 00 
133 shares Delaware and Hudson Canal Co. 



900 " Harlem Gas Company 

400 " Rensselaer and Saratoga Railroad 

100 '* National Bank of Commerce . 

200 " American Exch. National Bank 

40 " National Bank of State of New York, 

100 " Mercantile Trust Company 



13,300 00 
45,000 00 
40,000 00 
10,000 00 
20,000 00 
4,000 00 
10,000 00 



Market value. 

$616,098 00 
59,000 00 
14,364 00 
41,850 00 
56,000 00 
15,000 00 
25,000 00 
4,800 00 
15,000 00 



$767,300 00 $847,112 00 



Securities held as collateral for cash loans: — 

Northern Pacific Railroad bonds 
10 shares American Exchange National Bank 

4 " Bank of New York . 
22 " Merchants' National Bank . . 1,408 00 . 

104 " Bank of State of New York . . 12,480 00 j 



Market value. 

, $5,000 00 
, 1,250 00 1 
556 00 ! 



Loaned thereon. 

$4,000 00 



$20,694 00 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $118,720 00 
Interest due or accrued thereon . . . . 1,217 20 
Stocks, bonds, etc., as per schedule . . 847,112 00 
Loans on collateral security as per schedule . 17,000 00 
Cash in the office of the company . . . 7,173 49 
Cash deposited in Leather Manufacturers' Bank, 43,811 32 

Interest due and accrued 287 52 

Premiums in course of collection (gross) . . 7,577 61 
Prem's more than three months due, $1,341 76 

Gross assets f 



)■ 13,000 00 



$17,000 00 



,042,899 14 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



. $259,500 00 
127,600 00 
t Including $290,000 special reserve fund held under N/ey* York lay< . 



152 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted unpaid .... 
Losses claimed and reported 
Unearned premiums on outstanding risks . 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 

Accrued for rent 

Commissions and brokerage 
Return premiums ..... 
Gross liabilities, except capital and scrip, 



$22,462 77 
1,075 00 
88,391 58 
3,190 00 
5,075 85 
1,334 00 
1,121 82 
128 62 



Surplus as regards policy-holders .... 

Paid-up capital $400,000 00 

Scrip outstanding not ordered to be redeemed, 302,965 00 



Surplus over capital and scrip .... 

Income. 
Cash received for fire premiums . . $197,934 01 

Deduct re-insurance and return premiums, 21,103 78 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

Interest and dividends received from all other sources 

Income from exchange 

Gross cash income 

Expenditures. 
Cash paid for fire losses .... $108,862 28 
Deduct salvage and re-insurance . . 8,751 17 

Net cash paid for fire losses . . . 

Cash dividends paid ..... 
Cash paid for redemption of scrip 
Interest paid scrip-holders . 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for rent ..... 

for incidentals .... 

Gross cash expenditures 

Risks and Premiums 



$122,779 64 
$920,119 50 

702,965 00 
$217,154 50 



$176,830 23 

8,221 20 

41,328 76 

1,253 84 

$227,634 03 



,111 11 

40,000 00 
7,040 00 
10,940 56 
25,699 81 
29,930 12 
13,117 19 
8,000 00 
10,132 44 



$244,971 23 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . . . 



Premiums. 

$161,290 59 
195,184 48 

$356,475 07 
172,039 73 

$184,435 a4 
14,602 02 

$40,433,114 00 $169,833 32 



$38,244,998 00 
55,725,252 00 

$93,970,250 00 
50,492,552 00 

$43,477,698 00 
3,044,584 00 



1881.] INS. COS. OF OTHER STATES. 153 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,708,108 00 

1,130,565 11 

924,000 00 

40,000 00 

122,240 08 

148,250 00 



AMERICAN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, $400,000. 

Thomas R. Maris, President. Albert C. L. Crawford, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $490,000 00 $529,100 00 

Harrisburg, P. , Mt. Joy, and L. R.R. bonds, . 10,000 00 10,400 00 

Delaware Railroad Company bonds . . . 5,000 00 5,500 00 

Susquehanna Canal Company bonds . . . 7,000 00 2,100 00 

Chesapeake and Delaware Canal Co. bonds . 10,000 00 9,200 00 

Delaware Division Canal Company bonds . . 15,000 00 15,000 00 

North Pennsylvania Railroad bonds . . . 18,000 00 19,990 00 

Schuylkill Navigation Company bonds . .13,225 00 13,930 25 

Lehigh Coal and Navigation Company bonds . 40,000 00 44,500 00 

Shamokin Valley and P. Railroad bonds . . 20,000 00 23,200 00 

Philadelphia and Reading Railroad bonds . . 2,100 00 1,680 00 

Elmira and Williamsport Railroad bonds . . 1,000 00 950 00 

Del. and R., and C. and A. R.R. andT. Co. bonds, 24,000 00 27,360 00 

American Steamship Company loan . . . 15,000 00 16,050 00 

Pennsylvania Railroad Company bonds . . 40,000 00 48,200 00 

Phila., Wilmington, aud Baltimore R.R. bonds, 10,000 00 10,600 00 

Railway-Car Trust of Pennsylvania bonds . . 47,000 00 47,000 00 

New York and Pacific Car Trust Co. bonds . 6,000 00 6,000 00 

Northern Pacific Railroad Company bonds . 40,000 00 41,200 00 

Chicago and W. Indiana Railroad Co. bonds . 30,000 00 33,000 00 

Philadelphia and Erie Railroad Company bonds, 20,000 00 21,200 00 

Belt Road and Stock Yard Company bonds . 20,000 00 21,000 00 

New York and Long Branch Railroad bonds . 15,000 00 15,000 00 

100 shares North Pennsylvania Railroad . . 5,000 00 5,950 00 

100 shares Pennsylvania Railroad . . . 5,000 00 6,150 00 



,325 00 $974,260 25 



20 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

44 shares Lehigh Valley Railroad 
Camden and Atlantic Railroad bonds 
United States bonds ..... 
Lehigh Coal and Navigation Company bonds 
Huntington and B. T. Mountain R.R. bonds 
200 shares Lehigh Coal and Navigation Co. 

25 " Northern Central Railroad 
551 " Pennsylvania Railroad 
Pittsburg, T., and Buffalo Railroad bonds 

32 shares Lehigh Valley Railroad 
400 
300 
200 
100 
100 



Lehigh Valley Railroad 
Northern Central Railroad 
Pennsylvania Railroad 
Lehigh Coal and Navigation Co 
Bethlehem Iron Company . 



Pennsylvania Canal Company bonds . 



Market value. 

|2 T 706 00 | 

1.150 00^ 
2,350 00 
2,230 00 
2,655 00 » 
8,800 00 [• 
1,275 00) 
33,886 50 
20,600 00 
1,968 00 
24,600 001 
15,300 00 
12,300 00 
4.400 00 
8,000 00 
2,000 00 J 



Loaned thereon. 

$3,000 00 

2,000 00 
1,592 41 

10,000 00 

29,200 00 

15,000 00 

1,000 00 



y 57,000 00 



$144,220 50 8118,792 41 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $169,920 01 
Loans on mortgage of real estate (first liens *), 2S9,339 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 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 



6,267 01 

974.260 25 

118,792 41 

94S 03 

37,460 59 

6 624 05 

16,368 67 

326 85 



$1,620,307 37 



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 

Reclaimable on perpetual fire policies 



§14,690 82 

24,580 00 

2.710 70 

841,981 52 
1,000 00 

840,981 52 
240,745 97 
275,500 69 



* Value of lands mortgaged $239,650 

Value of buildings thereon 433,400 

Amount of insurance held as collateral .... 223,050 



1881.] 



INS. COS. OF OTHER STATES. 



155 



Dividends to stockholders unpaid 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$860 00 
986 30 



$559,074 48 



Surplus over capital . . 

Income. 

Cash received for fire premiums . . $163,728 14 

Deduct re-insurance and return premiums . 38,466 30 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Income from rents 

Income from sales, etc 

Deposits received for perpetual fire risks . $13,562 54 

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 repairs on real estate . 
for incidentals .... 
Deposits returned on perpetual fire risks . $3,574 71 



,061,232 89 
400,000 00 



$661,232 89 



$425,261 84 

18,857 92 

48,848 58 

3,148 61 

2,287 45 



$498,404 40 



$243,742 84 
39,975 00 
90,335 93 
38,303 31 
18,529 22 
9,319 94 
7,360 88 



Gross cash expenditures 



$447,567 12 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 18S0 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



£35,453,225 00 $371,349 83 
47,004,563 00 470,794 27 



$82,457,788 00 $842,144 10 
40,439,901 00 385,718 43 



$42,017,887 00 $456,425 67 
362,485 00 3,644 41 



$41,655,402 00 $452,781 26 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$7,397,081 63 

4,637,185 15 

2,132,975 50 

40,000 00 

253,284 38 

19,700 00 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

ATLANTIC FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R.I. 

[Incorporated May, 1852. Commenced business June, 1852.] 

Paid-up Capital, 6200,000. 

J. S. Parish, President. T. W. Hayward, Jun., Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

100 shares National Bank of Commerce 



120 
113 

200 

169 

10 

200 



Northern Bank . 

Weybosset National Bank 

Merchants' National Bank 

Fourth National Bank 

Rhode Island Safe Deposit Company, 1,000 00 

Michigan Central Railroad . . 20,000 00 



. §5,000 00 

. 12,000 00 

. 5,650 00 

. 10,000 00 

. 16,900 00 



Market value. 

$5,600 00 
11,400 00 

7,062 50 
13,800 00 
21.125 00 

1,000 00 
17,200 00 



$70350 00 $77,187 50 



Summary of Assets Dec. 31, 1881. 



Cash value of unencumbered real estate 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in Fourth National Bank 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Rents due and accrued 

Gross assets .... 

Liabilities 

Losses adjusted unpaid 

claimed aud reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage 
Re-insurance ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 

Income. 

Cash received for fire premiums . 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . 



$153,2S0 26 
. 77,187 50 
244 71 
. 6.251 48 
. 12,028 23 
. 1.840 00 
. 2,932 43 



83,569 14 

2,700 00 

800 00 

33,999 62 

50 00 

163 29 

2,757 75 

547 72 



$67,478 56 
7,356 94 



8253,764 61 



44,587 52 

8209,177 09 
200,000 00 

89,177 09 



,121 62 



1881.] 



INS. COS. OF OTHER STATES. 



157 



11,536 76 
7,201 05 



Cash rec'd for marine and inl'd premiums, 
Deduct re-insurance and return premiums, 

Net cash rec'd for marine and inl'd prem's, 

Interest received from all sources ..... 
Income from rents ........ 

Gross cash income 

Expenditures. 
Cash paid for fire losses .... $38,723 89 

Deduct salvage and re-insurance . . 493 28 

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 ...... 

Cash paid for commissions and brokerage . 

for salaries and incidentals 

for state and local taxes 

for expense on real estate . 

Gross cash expenditures .... 
Risks and Premiums. 



,765 84 
67 32 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 18S1 

Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$5,639,971 00 
6,608,180 00 

£12,248,151 00 
6,304,343 00 

$5,943,808 00 
142,187 00 

$5,801,621 00 

$110,520 00 
1,687,754 00 

$1,798,274 00 
1,549,364 00 

$248,910 00 
192,000 00 

$56,910 00 



^4,335 71 

4,868 84 
9,800 87 

,127 04 



$38,230 61 



$1,698 52 
12,119 00 
10,897 96 
12,214 35 
2,188 64 
4,474 38 

$81,823 46 

Premiums. 

$65,353 63 
67,828 80 



$133,182 43 
64,212 89 

$68,969 54 
1,496 11 

$67,473 43 

$903 16 
14,123 21 

$15,026 37 
10,438 13 

$4,588 24 
3,950 00 

$638 24 



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) 
Fire losses incurred during the year . . 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$3,170,657 76 

2,396,208 16 

353,000 00 

12,000 00 

38,612 92 

3,650 13 

59,633 00 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK, NY. 

[Incorporated April 11, 1842. Commenced business April 11, 1842.] 

John D. Jones, President. Joseph H. Chapman, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



American Exchange Bank stock 

Bank of America stock 

Bank of Commerce stock . 

Bank of New York stock . 

Leather Manufacturers' Bank stock 

Merchants' Bank stock 

Mechanics' Bank stock 

Manhattan Company stock 

Market Bank stock . 

Metropolitan Bank stock . 

Phenix Bank stock 

Union Bank stock 

New York state bonds 

New York Central Railroad bonds 

Delaware and Hudson Canal Company bonds 

New York city and county bonds 

Brooklyn city bonds . 

Kings county bonds . 

Jersey City bonds 

District of Columbia bonds 

United States bonds . 



Par value. 

$ 40,000 00 
. 90,000 00 
. 20,000 00 
. 43,000 00 
. 15,600 00 
. 65,150 00 
. 45,900 00 
. 8,550 00 
. 25,000 00 
. 33,700 00 
. 24,440 00 
. 32,000 00 
. 45,000 00 
. 39,000 00 
. 87,000 00 
400,600 00 
122,000 00 
. 23,000 00 
100,000 00 
310,000 00 



Market value.* 

836,000 00 
90,000 00 
20,000 00 
43,000 00 
15,600 00 
65,150 00 
45,900 00 
8,550 00 
22,500 00 
33,700 00 
17,108 00 
32,000 00 
45,000 00 
33,150 00 
78,300 00 

380,600 00 

109,800 00 
20,700 00 
90,000 00 

217,000 00 



8,881,000 00 7,561,700 00 



$10,450,940 00 $8,965,758 00 



Securities held as collateral for cash loans : — 

Louisville and Nashville Railroad stock 

Central Pacific Railroad stock . 

Chicago, Milwaukee, and St. Paul R.R. stock 

Michigan Central Railroad stock 

Western Union Telegraph stock 

Louisville and Nashville Railroad stock 

Louisville and Nashville Railroad stock 

Michigan Central Railroad stock 

Central Pacific Railroad stock . . 

Hannibal and St. Joseph Railroad stock . 

Union Pacific Railroad stock 

Delaware and Hudson Canal Company stock 

Western Union Telegraph stock 



Market value. Loaned thereon. 

$58,500 00 -j 

. 18,600 00 | 

. 32,900 00 [ $100,000 00 

. 8,700 00 | 

. 7,800 00 J 

. 68,000 00 50,000 00 

. 31,400 00 

. 4,300 00 

. 97,600 00 



. 11,000 00 j. 
. 11,700 00 
. 10,600 00 
. 23,400 00 J 



150,000 00 



* Estimated for purpose of permanent investment. 



1881.] 



INS. COS. OF OTHER STATES. 



159 



Louisville and Nashville Railroad bonds . 
Pacific Railroad of Missouri bonds 
Chicago, Milwaukee, and St. Paul R.R. stock 
Missouri Pacific Railroad stock . 
Cleveland, Col., Cin., and Ind. R.R. stock 
Louisville and Nashville Railroad stock 
Central Pacific Railroad stock . 
New York Elevated Railroad stock . 
Chicago, Rock Island, and Pacific R.R. stock 
Chicago, Milwaukee, and St. Paul R.R. bonds 
Cincinnati city bonds 
Denver and Rio Grande Railroad bonds 
Mississippi River Bridge Company bonds 
Hannibal and St. Joseph Railroad bonds 
Pennslyvania Company bonds . 
Chicago, Milwaukee, and St. Paul R.R. bonds, 299,200 00 
Chicago, Milwaukee, and St. Paul R.R. bonds . 43,600 00 1 
Wabash, St Louis, and Pacific R.R bonds . 17,900 00 
Bleecker Street Railroad bonds .... 9,200 00 
Albany and Susquehanna Railroad bonds . . 12,500 00 
Chicago, St. Paul, Min., and O. R.R. bonds . 4,900 00 
Central Pacific Railroad bonds .... 2,000 00 
Lake Shore and Michigan So R.R. stock . 101,200 00 
Hannibal and St Joseph Railroad stock . . 55,000 00 
Missouri Pacific Railroad stock . . . 100,000 00 
N. Y. Central and Hudson River R.R. stock . 13,100 00 
Chicago and Alton Railroad stock . . . 13,100 00 )• 
Delaware and Hudson Canal Company stock . 10,600 00 
Chicago, St. Paul, Min., and O. R R. stock . 15,800 00 
Union Pacific Railroad stock .... 23,400 00 
New York, L. Erie, and Western R.R. stock . 16,200 00 
Chicago, Rock Island, and Pacific R.R. stock . 13,100 00 
Delaware, Lackawanna, and Western R.R. stock, 49,600 00 
Wabash, St Louis, and Pacific R.R. stock . 6,800 00 

Boston Air-Line R.R stock .... 6,200 00 
Nash., Chattanooga, and St. Louis R R stock . 25,200 00 
Chicago, Milwaukee, and St. Paul R.R. stock . 10,900 00^ 
Harlem Gas- Light Company stock . . . 9,000 00 
Union Pacific Railroad stock .... 11,700 00 
Lake Shore and Michigan So. R.R. stock . . 5,600 00 ) 
Atlantic Mutual Insurance Company scrip . 5,660 00 ) 

Importers' and Traders' Nat'l Bank stock . 26,000 00 

Atlantic State Bank stock 18,000 00 

United States bonds 35,100 00 

St. Louis and Iron Mountain R.R. bonds . . 16,500 00 
Chicago, Rock Island, and Pacific R.R. stock . 13,200 00 ) 
Delaware, Lackawanna, and Western R R. stock, 12,400 00 i 
Chicago and North- Western Railroad stock .12,600 00 



Market value. Loaned thereon. 

. $8,000 00 

. 11,000 00 

. 12,000 00 

. 50,000 00 J- $100,000 00 

. 8,000 00 ' 

. 29,200 00 

. 9,300 00. 

. 73,500 00 ) 

. 52,800 00 > 

. 50,300 00 \ 

. 6,800 00 [• 

. 5,600 00) 

. 58,800 00 

. 44,000 00 ) 

. 74,200 00 i 



100,000 00 



50,000 00 



50,000 00 

100,000 00 
250,000 00 



450,000 00 



5,000 00 
10,000 00 

5,000 00 

12,500 00 
12,000 00 
30,000 00 
10,000 00 

20,000 00 
10,000 00 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



N. Y. Cent, arid Hudson River R.R. stock, 
Albany and Susquehanna Railroad stock . 
Rensselaer and Saratoga Railroad stock 
Citizens' National Bank stock . 
Chicago and North- Western Railroad stock, 
Illinois Central Railroad stock . 



Market value. Loaned thereon. 

$117,900 00) 

12,000 00 f ^00,000 00 



136,000 00 
3,300 00 
6,900 00 
7,800 00 



100,000 00 
3,000 00 

12,000 00 



$2,177,160 00 $1,729,500 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $250,000 00 

Stocks, bonds, etc., as per schedule . . 8,965,758 00 

Loans on collateral security as per schedule, 1,729,500 00 

Cash depos'd in b'k and with Eng. bankers, 588,914 17 

Notes taken for marine and inland risks . 1,631,294 23 
Gross assets .... 



Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed . 
Interest due or accrued on scrip . 
Return premiums .... 

Miscellaneous 

Gross liabilities, except scrip 



$136,014 33 

1,863,209 98 

56,500 00 

1,516,844 85 

205,000 00 

43,337 55 

170,782 22 

14,064 78 



■$13,165,466 40 



Surplus as regards policy-holders 
Scrip outstanding, not ordered to be redeemed . 



4,005,753 71 

. $9,159,712 69 
.. 7,297,020 00 

Surplus over scrip $1,862,692 69 

Income. 

Cash rec'd for marine and inl'd premiums . $4,061,719 51 
Deduct re-insurance and return premiums . 572,845 71 

Net cash rec'd for marine and inl'd prem's, $3,488,873 80 



Interest and dividends received from all sources 
Income from rents . . . ... 

Gross cash income . 



. $598,170 12 
17,650 00 

. $4,104,693 92 



Expenditures. 
Cash paid for marine and inland losses . $1,775,8S2 80 
Deduct salvage and re-insurance . . 45,677 69 

Net cash paid for marine and inland losses, 
Cash paid for redemption of scrip 
Interest paid scrip-holders .... 
Cash paid for commissions and brokerage . 



for salaries of officers and employes 
for state and local taxes 

Gross cash expenditures 



-$1,730,205 11 

. 1,046,755 00 

411,935 50 

25,804 77 

351,381 31 

51,751 76 

. $3,617,833 45 



1881.] INS. COS. OF OTHER STATES, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 



. $95,351,599 00 
. 337,194,628 00 

1432,546,227 00 
. 333,239,124 00 



161 



Premiums. 

51,587,534 47 
4,039,487 10 

£5,627,021 57 
4,110,176 72 



. $99,307,103 00 $1,516,844 85 



Miscellaneous. 
Scrip dividends declared during the year . 
Marine and inland losses incurred during the year 



$1,421,740 00 
2,034,036 00 



BUFFALO INSURANCE COMPANY, BUFFALO, N.Y. 

[Incorporated July 15, 1874. Commenced business July 17, 1874.] 

Paid-up Capital, $200,000. 

Pascal P. Pratt, President. Edward B. Smith, Secretary. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
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 
Re-insurance due .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums . 
Net cash received for fire premiums . 

21 



$206,000 00 

227 50 

75,608 04 

1,166 67 

3,371 91 

7,225 38 



$8,063 46 

15,233 49 

2,381 42 

$25,678 37 
6,669 72 

$19,008 65 

40,362 27 

3,460 15 



$91,589 05 
14,463 02 



$293,599 50 



62,831 07 

£230,768 43 
200,000 00 

$30,768 43 



$77,126 03 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash rec'd for marine and inl'd premiums, 
Deduct re-insurance and return premiums . 
Net cash rec'd for marine and inl'd prem's, 
Interest received on bonds and mortgages . 

Gross cash income .... 



$82,885 16 
13,862 44 



,022 72 
10,930 03 

$157,078 78 



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 paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$57,324 35 
5,960 44 

$43,874 11 
5,369 93 



Fire risks outstanding Dec. 31, 1880 
Fire risks -written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$7,213,025 00 
10,051,486 00 

$17,264,511 00 
9,296,019 00 

$7,968,492 00 
333,617 00 



$51,363 91 



38,504 18 

33,452 62 

5,000 00 

2,962 42 

4,182 10 

135,465 23 



Premiums. 

870,992 30 
91,781 63 

$162,773 93 
81,588 22 

81,185 71 
4,092 47 



$7,634,875 00 $77,093 24 



$341,690 00 
16,074,563 00 

$16,416,253 00 
16,309,992 00 

$106,261 00 
1,400 00 



$6,572 86 
85,957 55 

592,530 41 
88,319 29 

$4,211 12 
934 68 



$104,861 00. 63,276 44 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,153,731 09 

799,336 61 

112,000 00 

59,S95 13 

29,514 27 

120,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



163 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N.Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

Philip Becker, President. Oliver J. Eggert, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $330,000 00 $384,450 00 

Lake Shore and Michigan So. R.R. bonds, 25,000 00 25,000 00 

City warrants 96 00 96 00 



Securities held as collateral for cash loans : 

Citizens' Gas Company bonds . 

Third National Bank stock 

German Bank stock .... 

Toledo city bonds 

Union Fire Insurance Company stock 



$355,096 00 $409,546 00 



Market value. Loaned thereon 

$27,209 00 $20,000 00 



5,000 00 } 
7,500 00 > 
3,750 00 
2,200 00 



10,000 00 

2,047 89 
1,800 00 



t5,659 00 $33,847 89 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $275,000 00 
Loans on mortgage of real estate (first liens *), 38,820 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 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for fire risks . 
Rents due and accrued 

Gross assets f .... 

Liabilities 

Losses adjusted unpaid 
Losses 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 



149 85 

409,546 00 

33,847 89 

1,576 68 

95,186 13 

437 50 

43,236 65 

2,843 09 

312 50 



$2,448 46 

30,080 00 

202,665 51 

7,870 12 



$900,956 29 



243,064 09 

$657,892 20 
200,000 00 



$457,892 20 



* Value of lands mortgaged $65,070 00 

Value of buildings thereon 62,075 00 

Amount of insurance held as collateral . . . 46,850 00 

t Including $200,000 special reserve fund, held under Xew York law. 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $386,034 67 

Deduct re-insurance and return premiums, 55,687 11 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

Interest and dividends received from all other sources 
Income from rents ........ 

Brokerage and discounts ....... 



Gross cash income 



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 expense on real estate . 

for incidentals .... 

Gross cash expenditures 



$186,467 94 
14,739 42 



$330,347 56 

2,220 70 

22,038 14 

13,960 98 

11,723 27 

8380,290 05 



$171,728 52 
30,000 00 
66,157 06 
15,429 99 
6,342 03 
8,761 35 
13,910 44 

8312,329 39 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$32,335,986 00 
40,774,839 00 

173,110,825 00 

33,195,756 00 

$39,915,069 00 
817,403 00 



Premiums. 

8322,025 06 
391,126 24 

$713,151 30 
321,596 35 

8391,554 95 
6,566 36 



. $39,097,666 00 $384,988 59 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,595,680 57 

1,146,896 94 

345,925 00 

30,000 00 

191,849 69 

67,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



165 



CITIZENS' INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

James M. McLean, President. Frank M. Parker, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds ..... 
Virginia state bonds ..... 
Lake Shore and Mich. Southern R.R. bonds 
Union Trust Company stock 
Citizens' National Bank stock . 



Securities held as collateral for cash loans 



Tar value. 

$450,000 00 
. 10,000 00 
. 50,000 00 
. 10,000 00 
. 24,500 00 



Market value. 

$524,250 00 

2,300 00 

63,500 00 

21,500 00 

27,685 00 



$544,500 00 $639,235 00 



National Butchers' and Drovers' Bank stock 
National Butchers' and Drovers' Bank stock 
Third Avenue Railroad stock . 
New York Central Railroad certificate 
Union Trust Company stock 
St. Louis, Kan. City, and Northern R.R. bonds, 
Lafayette, Bloomington, and Muncie R.R. b'ds, 
Union Pacific Railroad stock . . . . 
Western Union Telegraph Company stock . 
Missouri, Kansas, and Texas Railroad stock 
Delaware, Lackawanna, and W. R.R. stock 
New York, Lake Erie, and Western R.R. stock, 
Milwaukee, Lake Shore, and W. R.R. bonds . 
Western Union Telegraph Company stock . 
Delaware, Lackawanna, and W. R.R. stock 
Union Pacific Railroad stock 



Market value. 

$1,102 50 
1,102 50 J 
3,400 00 ) 
4,400 00 
10,250 00 
12,320 00 
00,900 00 
35,100 00 
8,000 00 ' 
3,700 00 
6,350 00 \ 
9,000 00 | 
1,000 00 J 
8,000 00 ) 
6,350 00 t 
11,700 00 



Loaned thereon. 

$900 00 
1,500 00 

3,250 00 

5,000 00 

10,000 00 

25,000 00 

30,000 00 



20,000 00 

10,000 00 
10,000 00 



$152,675 00 $115,650 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $126,000 00 
Loans on mortgage of real estate (first liens*), 78,452 05 

Interest due or accrued thereon . . . 452 26 

Stocks, bonds, etc., as per schedule . . 639,235 00 

Loans on collateral security as per schedule, 115,650 00 

Cash in the office of the company . . 6,547 10 

Cash deposited in National Citizens' Bank . 22,400 16 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$84,500 00 

119,500 00 

72,250 00 



166 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued $1 ,377 42 

Premiums in course of collection (gross) . . 26,599 67 

Rents due and accrued ' 793 33 

Premiums more than three months due, $288 98 
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 
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 



Income. 



$1,017,506 99 



. 81.000 00 

. 24,567 82 

. 1,900 00 

180,467 82 

367 82 

830,100 00 

180,194 27 
1,800 00 

3,900 00 

500 00 



Cash received for fire premiums . . $548,292 59 

Deduct re-insurance and return premiums . . 46,352 55 

Net cash received for fire premiums . . . 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents ....... 

Income from sale of real estate 

Gross cash income ...... 



216,494 27 

1801,012 72 

300,000 00 

$501,012 72 



$301,940 04 

5,994 26 

39,701 26 

4,898 34 

2.706 67 

".240 57 



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 interest on borrowed money . 

for incidentals .... 

Gross cash expenditures 



$172,415 69 

10,799 64 



$161,616 05 
40,836 70 
43,334 45 
46.289 97 
12,S40 56 
50 00 
28,66S 15 

$333,635 8S 



1881.] 



INS. COS. OF OTHER STATES. 



167 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



. $50,728,526 00 
. 58,894,366 00 

$109,622,892 00 
. 54,711,334 00 

. $54,911,558 00 
. 1,900,104 00 



Premiums. 

$315,798 74 
356,820 80 

$672,619 54 
310,157 67 

$362,461 87 
13,246 38 



. $53,011,454 00 $349,215 49 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



^6,474,980 41 
2,857,597 63 
1,549,050 00 

40,500 00 
189,756 90 

72,160 00 



CITIZENS' INSURANCE COMPANY, ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business February, 1837.] 

Paid-up Capital, $200,000. 

J. B. M. Kehlor, President. John P. Harrison, Secretary. 



Detailed Statement of Stocks, 



North Missouri Railroad bonds . 

East St Louis Elevator bonds . 

Laclede Gas Company bonds 

Venice Elevator Company bonds 

St. Louis Chamber of Commerce bonds 

St. Joseph city bonds 

Advance Elevator Company bonds 

Missouri state bonds .... 



Bonds, etc. 

Par value. Market value. 

$124,000 00 
82,335 00 
36,225 00 
32,320 00 
22,000 00 
13,000 00 
6,000 00 
3,180 00 



,000 00 
80,000 00 
35,000 00 
32,000 00 
22,000 00 
15,000 00 
6,000 00 
3,000 00 



$293,000 00 $319,060 00 
Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $19,000 00 
Loans on mortgage of real estate (first liens*), 26,200 00 
Interest due or accrued thereon . . . 425 00 
Stocks, bonds, etc., as per schedule . . 319,060 00 
Cash in the office of the company . . 1,506 30 
Cash deposited in Commercial Bank . . 13,261 65 
Premiums in course of collection (gross) . 10,564 36 
Gross assets ..... 



$390,017 31 



* Value of lands mortgaged 
Value of buildings tbereon 
Insurance beld as collateral 



$15,000 
52,000 
46,500 



168 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 








Losses adjusted unpaid .... 


. $7,281 00 




claimed and reported 


. 1,675 00 




disputed or resisted 


. 1,300 


00 




Unearned premiums on outstanding risks . 


. 27,976 


00 




State and local taxes ..... 


360 


00 




Commissions and brokerage 


. 2,266 


36 




Return premiums ..... 


334 00 




Gross liabilities, except capital . 






$41,192 36 






Surplus as regards policy-holders . 


$348,824 95 




. 




200,000 00 


Surplus over capital 


$148,824 95 


Income. 








Cash received for fire premiums 


$60,933 89 




Deduct re-insurance and return premiums 


. 4,848 


83 




Net cash received for fire premiums . 






$56,085 06 






Cash received for marine and inland premiums . $8,946 70 




Deduct re-insurance and return premiums . 


947 44 








7,999 26 
848 00 


XNCu L/dolI ICC \X 1.KJL XllclllllO till Li. xlll \1 L/IClIllU. 

Interest received on bonds and mortgages . 




. 


Interest and dividends received from all ot 


ler sources 


• 


22,977 14 


Gross cash income .... 


$87,909 46 


Expenditures. 






Cash paid for fire losses .... 


. 


. 


$48,286 78 


paid for marine and inland losses 


. 


. 


5,500 35 


dividends paid 


. 


. 


6,000 00 


paid for commissions and brokerage 


. 


. 


9,414 07 


for salaries of officers and employes . 


. 


8,300 00 


for state and local taxes 


. 


. 


5,139 42 


for incidentals . 


• • 


• 


5,090 23 


Gross cash expenditures 


$87,730 85 


Risks and Premiums. 












Premiums. 


Fire risks outstanding Dec 31, 1880 . 


$5,332,675 


00 


$70,211 55 


Fire risks written during 1881 . 


7,390,360 00 


59,818 50 


Total 


$12,723,035 00 


$130,030 05 


Deduct risks expired and terminated 


. 8,433,551 


00 


73,050 05 


In force at end of year .... 


$4,289,484 00 


$56,980 00 


Deduct amount re-insured . 


107,750 


00 


893 00 


Net amount in force . 


$4,181,734 00 


$56,087 00 


Marine risks written during 1881 


. $1,645,959 00 


$10,132 45 


Deduct risks expired and terminated 


1,605,959 


00 


9,832 45 


In force at end of year 


$40,000 00 


SoOO 00 



1881.] INS. COS. OF OTHER STATES. 169 



Miscellaneous. 

Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year (3 per cent) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$2,637,767 00 

647,798 00 

6,000 00 

43,486 00 

5,500 35 

137,500 00 



CITY FIRE INSURANCE COMPANY OF THE CITY OF NEW 

YORK, N.Y. 

[Incorporated April 26, 1833. Commenced business June 6, 1833.] 

Paid-up Capital, $210,000. 

Samuel Townsend, President. David J. Blauvelt, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

1,700 shares Tradesmen's National Bank . $68,000 00 $69,360 00 

200 shares N. Y. Cent, and Hud. Riv. R.R. 20,000 00 26,200 00 

United States bonds 130,000 00 152,750 00 

$218,000 00 $248,310 00 

Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens *), $121,850 00 
Interest due or accrued thereon . . . . 2,910 00 
Stocks, bonds, etc., as per schedule . . 248,310 00 

Cash in the office and deposited in bank . . 30,264 76 
Interest due and accrued ..... 6,923 33 
Premiums in course of collection (gross) . . 1,504 90 
Prem's more than three months due . $60 40 

Gross assets $411,762 99 

Liabilities. 

Losses adjusted unpaid ..... $5,000 00 

Losses claimed and reported .... 2,175 47 

Unearned premiums on outstanding risks . . 23,059 01 
Due and accrued for rent, salaries, etc. . . 933 33 
State and local taxes ...... 525 00 

Commissions and brokerage . . . . 190 42 

Re-insurance and return premiums . . . 23 80 

Gross liabilities, except capital . . . 31,907 03 

Surplus as regards policy-holders .... $379,855 96 
Paid-up capital 210,000 00 

Surplus over capital $169,855 96 

* Value of lands mortgaged $122,700 00 

Value of buildings thereon 126,800 00 

Amount of insurance held as collateral . . . 116,350 00 
22 



170 FIRE, MARINE, AND FIR1-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $44,603 60 

Deduct re-insurance and return premiums, 1,927 73 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from incidentals ....... 

Gross cash income 

Expenditures. 
Cash paid for fire losses .... $21,413 41 
Deduct salvage and re-insurance . . 349 51 

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 incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$11,157,666 00 
11,395,574 00 

$22,553,240 00 
11,602,262 00 

$10,950,978 00 
96,250 00 



$42,675 87 

7,613 96 

12,985 09 

5 00 

$63,279 92 



$21,063 90 

21,000 00 

5,079 01 

14,104 99 

6,676 87 

6,808 39 

$74,733 16 



Premiums. 

$44,628 41 
46,739 25 

$91,367 66 
45,076 75 

$46,290 91 
383 96 



$10,854,728 00 $45,906 95 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors 



$2,916,228 09 

1,338,241 13 

1,639,800 00 

21,000 00 

28,100 08 

31,850 00 



1881.] 



INS. COS. OF OTHER STATES. 



171 



CLINTON FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated July, 1850. Commenced business July 11, 1850.] 

Paid-up Capital, $250,000. 

Geo. T. Patterson, Jun., President. C. E. W. Chambers, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds ..... 
Delaware and Hudson Canal Company bonds 
Central Railroad of New Jersey bonds 
N. Y. Central and Hudson River R.R. stock 
American Exchange National Bank stock . 
Merchants' National Bank stock 



Securities held as collateral for cash loans 

40 shares Pacific Fire Insurance Company 
36 shares East River National Bank . 



Par value. 

$285,000 00 

. 40,000 00 

. 2,000 00 

. 30,000 00 

. 10,000 00 

. 2,850 00 



Market value. 

$329,930 00 
45,500 00 

2,550 00 
39,600 00 
13,000 00 

3,705 00 



$369,850 00 $434,285 00 



Market value. Loaned thereon. 

.$2,000 00 > 
800 00 \ 



$2,800 00 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens), $26,400 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 
Cash deposited in American Exch. Nat. Bank 
Interest due and accrued .... 
Premiums in course of collection (gross) . 
Re-insurance due ..... 
Gross assets ..... 

Liabilities. 

Losses adjusted unpaid . . . . 
Losses claimed and reported 

Total amount of losses 
Less re-insurance ..... 

Net amount of unpaid losses 
Unearned premiums on outstanding risks . 
Due for borrowed money .... 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders . 
Paid-up capital 

Surplus over capital 



$2,000 00 



132 00 




434,285 00 




. 2,000 00 




. 4,010 60 




. 3,659 60 




775 00 




. 22,065 21 




60 00 






$493,387 41 




. $4,085 00 




. 4,300 00 




. $8,385 00 




966 53 




. $7,418 47 




. 80,324 88 




. 20,000 00 




. 3,309 78 






111,053 13 




$382,334 28 


. . a 


250,000 00 


$132,334 28 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $187,985 36 

Deduct re-insurance and return premiums . 22,352 61 

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 i 

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 rent ...... 

for incidentals . 

Gross cash expenditures . 

Risks and Premiums. 



)5,302 91 
3,448 14 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



825,749,413 00 
18,329,563 00 

844,078,976 00 
20,302,127 00 

$23,776,849 00 
1,310,155 00 



$165,632 75 

1,564 00 

18,061 46 

$185,258 21 



$91,854 77 

25,000 00 

39,428 92 

15,322 83 

3,915 66 

4,500 00 

3,281 57 

$183,303 75 



Premiums. 

8143.271 85 
192,720 83 

$335,992 71 
171,237 48 

8104.755 23 
9,645 60 



$22,466,694 00 $155,109 63 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,677,294 91 

1,221,409 70 

9S5,000 00 

25,000 00 

95.573 24 

82,300 00 



1881.] 



INS. COS. OF OTHER STATES. 



173 



COMMERCE INSURANCE COMPANY, ALBANY, N.Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

Adam Van Allen, President. Richard V. DeWitt, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds .... $220,000 00 

150 shares National Commercial Bank, Albany . 15,000 00 



133 

80 
74 
37 
27 



First National Bank, Albany . . 13,300 00 
National Albany Exchange Bank . 8,000 00 
Union National Bank, Albany . . 7,400 00 
New York State Nat'l Bank, Albany, 3,700 00 
Albany City National Bank . . 2,700 00 



Market value. 

$281,850 00 

30,000 00 

21,280 00 

11,600 00 

8,140 00 

5,920 00 

'3,375 00 



$270,100 00 $362,165 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $35,000 00 

Stocks, bonds, etc., as per schedule . . 362,165 00 

Cash in the office of the company . . 1,623 78 

Cash deposited in First National Bank . 14,708 20 

Interest due and accrued .... 628 83 

Premiums in course of collection (gross) . 4,407 55 

Rents due and accrued .... 123 33 

Gross assets ..... 



$418,656 69 



Liabilities. 

Losses claimed and reported . . . $11,863 00 

Losses disputed or resisted . . . 2,450 00 

Unearned premiums on outstanding risks . 59,352 79 

State and local taxes ..... 600 00 

Commissions and brokerage . . . 72 05 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums . 
Net cash received for fire premiums . 
Interest and dividends received from all sources 
Income from rents ...... 

Gross cash income ..... 



$118,26S 37 
12,308 04 



74,337 84 

$344,318 85 
200,000 00 

$144,318 85 



$105,960 33 

19,316 66 

1,120 00 

$126,396 99 



174 FIRE, MARINE, AND FIRE-MARINE [Dec. 81, 



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 incidentals . 

Gross cash expenditures 



$06,060 84 
966 16 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$10,007,547 00 
12,981,007 00 

$22,988,554 00 
10,505,710 00 

$12,482,844 00 
719,051 00 



$65,094 68 

24,000 00 

18,405 61 

12,325 04 

5,250 15 

7,280 33 

8132,355 81 



Premiums. 

191,124 38 

119,G7o 23 

$210,794 61 
89,844 79 

$120,949 82 
5,872 53 



$11,763,793 00 $115,077 29 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,221,749 00 

2,213,867 00 

542,000 00 

24,000 00 

73,610 89 

52,725 00 



COMMERCIAL FIRE INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated May 15, 1850. Commenced business May 15, 1850.] 

Paid-up Capital, $200,000. 

David Quackinbush, President. Walter Lawrence, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
Brooklyn corporation bonds 
Long Island city bonds 
Flushing city bonds . 
Elizabeth city bonds . 
Newark Corporation bonds 



Par value. 

8232,000 00 
. 29,000 00 
. 10,000 00 
. 12,000 00 
. 20,000 00 
. 1,000 00 



Market value. 

$294,625 00 
37,750 00 
10,800 00 
15,600 00 
10,000 00 
1.350 00 



$304,000 00 $370,125 00 



1881.] 



INS. COS. OF OTHER STATES. 



175 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . . $1,000 00 
Loans on mortgage of real estate (first liens*) . 42,950 00 
Interest due or accrued thereon . . . . 215 75 
Stocks, bonds, etc., as per schedule . . 370,125 00 
Cash in the office and deposited in bank . . 37,404 J)4 

Interest due and accrued 5,366 66 

Premiums in course of collection (gross) . . 44,552 26 
Gross assets 

Liabilities. 

Losses adjusted unpaid .... $14,316 28 

claimed and reported .... 11,078 53 

disputed or resisted .... 4,000 00 

Unearned premiums on outstanding risks . 167,668 00 

Dividends to stockholders unpaid . . . 310 00 
Due and accrued for rent, salaries, etc. . . 500 00 
Commissions and brokerage .... 8,910 45 

Return premiums ...... 130 45 

Gross liabilities, except capital . 

Surplus as regards policy-holders . 
Paid-up capital ...... 

Surplus over capital 



$501,613 71 



206,913 71 

$294,700 00 
200,000 00 

$94,700 00 



Income. 

Cash received for fire premiums . . $347,817 52 

Deduct re-insurance and return premiums . 19,203 63 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $12,927 13 

Deduct re-insurance and return premiums . 2,100 40 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from discounts 

Gross cash income ....... 



$328,613 89 



10,826 73 

3,555 24 

17,039 00 

221 91 

$360,256 77 



Expenditures. 

Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Net cash paid for marine and inland losses 

Cash dividends paid ..... 



5212,629 13 
629 81 



$211,999 32 

8,604 27 

19,932 00 



* Value of lands mortgaged $41,000 00 

Value oT buildings thereon 68,000 00 

Amount of insurance held as collateral . . . 46,100 00 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for interest on borrowed money . 
for rent and incidentals 

Gross cash expenditures 



$81,864 54 

18,959 73 

4,928 89 

1,404 36 

21,669 26 

$369,362 37 



Risks and Premiums. 



Fire risks outstanding. Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 



In force at end of year 



$39,976,726 00 
39,758,639 00 

$79,735,365 00 
40,051,362 00 

$39,684,003 00 
437,565 00 



Premiums. 

$332,649 71 
349,683 35 

$682,333 06 
353,183 24 

$329,149 82 
3,357 64 



$39,246,438 00 $325,792 18 



$360,466 00 
6,275,786 00 

£6,636,252 00 
6,286,651 00 



$10,152 68 
13,022 08 

$23,174 76 
13,630 93 



$349,601 00 $9,543 83 



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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$4,562,377 91 

2,587,229 16 

836,000 00 

20,000 00 

211,059 13 

7,904 27 

91,600 00 



COMMERCIAL MUTUAL INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated April, 1842. Commenced business May, 1852.] 

W. Irving Comes, President. Henry D. King, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
American Exchange Bank stock 
Market National Bank stock 
Corn Exchange Bank stock 
National Park Bank stock . 



Par value. 

$419,000 00 
. 20,000 00 
. 2,500 00 
. 4,000,00 
. 10,000 00 



Market value. 

$441,092 50 

25,000 00 

3,425 00 

6,920 00 

16,200 00 



1881.] 



INS. COS. OF OTHER STATES. 



177 



National Bank of State of New York stock 
Bank of New York stock .... 
Gallatin National Bank stock 
Continental National Bank stock 
Merchants' National Bank stock 
St. Nicholas National Bank stock 
National Bank of Commerce stock 
Bank of America stock .... 

Nassau Bank stock 

Bank of North America stock . 
Metropolitan National Bank stock 
Newark city bonds ..... 
Louisville city bonds ..... 
Erie Railway bonds ..... 
Del., Lackawanna, and Western RR. bonds 
Morris and Essex Railroad bonds 
Warren Railroad bonds .... 
Delaware and Hudson Canal Company bonds 
Detroit, Grand Haven, and Mil. R.R. bonds 
Coast Wrecking Company stock 
New York City Insurance Company stock . 
Atlantic Mutual Insurance Company scrip 
Union Mutual Insurance Company scrip . 



Summary of Assets, Dec. 
Stocks, bonds, etc., 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 
Re-insurance and salvages . 

Gross assets .... 

Liabilities 

Losses claimed and reported 

Losses disputed or resisted 

Unearned premiums on outstanding risks 

Unpaid scrip ordered to be redeemed 

Interest due or accrued on scrip 

Due and accrued for rent, salaries, etc. 

Re-insurance premiums due 

Return premiums, etc. 

Gross liabilities, except scrip 

Surplus as regards policy-holders 
Scrip outstanding not ordered to be redeemed 

Surplus over scrip 
23 



Par value. 

.$1,600 00 
. 3,700 00 
. 3,300 00 
. 5,000 00 
. 6,200 00 
. 7,500 00 
. 5,400 00 
. 1,800 00 
. 5,000 00 
. 4,690 00 
. 5,600 00 
. 13,000 00 
. 15,000 00 
. 15,000 00 
. 5,000 00 
. 35,000 00 
. 9,000 00 
. 15,000 00 

900 00 
. 4,500 00 
. 1,100 00 
. 1,070 00 

282 24 



Market value. 

$1,904 00 

5,291 00 

5,115 00 

6,500 00 

8,060 00 

9,150 00 

7,992 00 

2,718 00 

5,200 00 

4,830 70 

9,408 00 

15,840 00 

16,650 00 

15,875 00 

6,450 00 

41,700 00 

10,800 00 

18,600 00 

990 00 

450 00 

770 00 

1,070 00 

141 12 



$620,142 24 $688,142 32 

31, 1881. 

$688,142 32 
. 27,422 00 
. 3,732 37 
. 20,036 28 
. 62,883 57 
. 12,084 29 
. $814,300 83 



$42,439 52 

6,650 00 

87,046 41 

5,954 20 

8,086 69 

500 00 

190 15 

5,867 46 



156,734 43 

$657,566 40 
579,664 00 

$77,902 40 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $34,158 85 

Deduct re-iusurance and return premiums . 3,128 46 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $274,585 16 
Deduct re-insurance and return premiums . 94,890 30 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Income from all other sources ...... 

Gross cash income ....... 

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 paid for redemption of scrip 

Interest paid scrip-holders .... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for incidentals .... 



137,063 39 

8,530 81 

§190,616 40 
57,001 72 



831,030 39 



179,694 86 
36,152 28 
16,619 32 

1263,496 85 



$28,532 58 



Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



133,614 68 
21,679 00 
35,408 22 
16,040 86 
22.197 50 
46,752 15 

83U4.224 99 

Premiums. 

J. 220 58 
35,055 25 

>»;7,275 83 
33.943 87 

$33,331 96 

1,049 21 

832,282 75 

864,544 17 
284,287 03 

$38,442,009 00 $348,831 20 
29,183,999 00 274,417 28 



84,871,030 00 
5,853,240 00 

$10,724,270 00 
5,947,398 00 

84,776,872 00 
254,715 00 

$4,522,157 00 

86,703,230 00 
31,738,779 00 



1,258,010 00 
179,941 00 



874,413 92 
3,915 14 



1,078,069 00 $70,498 7S 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Fire losses incurred duriug the year . 
Marine and inland losses incurred during the year 



$13,053,486 03 

. 7,752.295 10 

35.352 57 

140,258 25 



1881.] 



INS. COS. OF OTHER STATES. 



179 



CONNECTICUT FrRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 

Paid-up Capital, $1,000,000. 

J. D. Browne, President. Charles R. Burt, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 

Connecticut state bonds 

Hartford city bonds . 

New Britain city bonds 

Columbus (O.) city bonds 

Newark (O.) city bonds 

Middletown city bonds 

Toledo (O.) city bonds 

Erie (Penn.) city bonds 

Michigan Central Railroad bonds 

Canada Southern Railroad bonds 

Quincy, A., and St. Louis Railroad bonds . 

New York, New Haven, and H. R.R. bonds 

Tiffin (O.) Gas Company bonds 

Erie Railroad gold consols .... 

Broadway and Seventh Avenue R.R. bonds 

Dayton and Michigan Railroad bonds 

Chicago, Burlington, and Quincy R.R. bonds 

500 shares Chicago, Burlington, and Q. R.R. 



100 " Chicago, Iowa, and Nebraska R.R. 

500 " N. Y., N. Haven, and Hart. R.R. 

300 " Pitts., Fort W., and Chicago R.R. 

70 " Republican Valley Railroad 

100 " Boston and Albany Railroad 

100 " N. Y. Central and Hudson R. R.R. 

300 " Imp. and Traders' Nat'l B'k, N.Y. 

230 " Fulton National Bank, New York 

188 " Far. and Mech. Nat'l B'k, Hartford . 18,800 00 

372 " National Exchange Bank, Hartford . 18,600 00 

300 " Hartford National Bank, Hartford . 30,000 00 

185 " First National Bank, Hartford . . 18,500 00 

100 " ^tna National Bank, Hartford . 10,000 00 

150 " Phoenix National Bank, Hartford . 15,000 00 

93 " Charter Oak Nat'l Bank, Hartford . 9,300 00 



Par value. 

$310,000 00 
. 16,000 00 
. 16,000 00 
. 15,000 00 
. 5,000 00 
. 4,500 00 
. 20,000 00 
. 10,000 00 
. 10,000 00 
. 20,000 00 
. 50,000 00 
. 49,000 00 
. 40,000 00 
. 20,000 00 
. 20,000 00 
. 20,000 00 
. 25,000 00 
. 7,000 00 
. 50,000 00 
. 10,000 00 
. 50,000 00 
. 30,000 00 
. 7,000 00 
. 10,000 00 
. 10,000 00 
. 30,000 00 
. 6,900 00 



Market value. 

$320,500 00 
16,160 00 
16,800 00 
15,750 00 

5,000 00 

4,500 00 
20,600 00 
10,500 00 
10,300 00 
24,800 00 
48,000 00 
51,450 00 
49,600 00 
20,000 00 
25,800 00 
20,200 00 
26,437 50 

6,300 00 
68,500 00 
15,000 00 
85,000 00 
40,500 00 

9,100 00 
16,000 00 
.13,200 00 
75,000 00 

9,200 00 
24,816 00 
27,900 00 
51,000 00 
22,200 00 
13,200 00 
25,500 00 
12,834 00 



$981,600 00 $1,201,647 50 



180 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans: — 

Market value. 

N. Y., New Haven, and Hartford R.R. stock . $3,230 00 

Connecticut Fire Insurance Company stock . 700 00 

Orient Fire Insurance Company stock . . 464 00 

Delaware and Hudson Canal Company stock . 10,700 00 ' 

Wells, Fargo, & Company stock . . . 45,500 00 

Adams Express Company stock .... 5,800 00 

Pacific Mail Steamship Company stock . . 4,100 00 

United States Express Company stock . . 30,400 00 )• 

Continental Insurance Company (N.Y.) stock . 5,208 00 

Home Insurance Company (N.Y.) stock . . 9,750 00 
Hanover Fire Insurance Company (N.Y.) stock, 880 00 

iEtna Insurance Company (Conn.) stock . . 4,800 00 

Willimantic Linen Company stock . . . 9,000 00 

Michigan Central Railroad stock . . . 8,700 00 

Union St'k Yard and Trans. Co. (Chic.) stock . 12,000 00 

Imp. and Traders' Nat'l Bank (N.Y.) stock . 2,500 00 

Rensselaer and Saratoga Railroad stock . . 1,400 00 

§155,132 00 

Summary of Assets Dec. 31, 1881. 

Loans on mort. of real estate (first liens*), §216,750 00 

Stocks, bonds, etc., as per schedule . . 1,201,647 50 

Loans on collateral security as per schedule, 88,750 00 

Cash in the office of the company . 62 68 

Cash deposited in Nat'l Exchange Bank . 185,264: 86 

Premiums in course of collection (net) . 53,0S7 38 

Gross assets .... 

Deduct special deposits in other states 



Loaned thereon. 

_',300 00 
400 00 



66,000 00 



12,000 00 



8,050 00 



8S8,750 00 



Balance 



Liabilities 



Losses claimed and reported 
Losses disputed or resisted 

Total amount of losses 

Less re-insurance .... 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



81, 745,562 42 
118,750 00 

§1,626,812 42 



$53,104 28 
5,111 86 

858,216 14 
1,538 59 

856,677 55 
358,556 51 

H15.234 06 
44,353 51 



370,880 55 

. 81,255,931 S7 
. l r 000,000 00 



. 8255,931 87 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$301, .500 00 
289,500 00 
251,300 00 



1881.] 



INS. COS. OF OTHER STATES. 



181 



$688,342 43 
91,441 23 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums . 

Net cash received for fire premiums . . $596,901 20 

Interest received on bonds and mortgages .... 11,003 35 

Interest and dividends received from all other sources . 70,709 11 

Gross cash income ....... $678,613 66 

Expenditures. 

Cash paid for fire losses ,. $297,092 61 

dividends paid ' . . 100,000 00 

paid for commissions and brokerage .... 104,060 46 

for salaries of officers and employes . . . 30,369 30 

for state and local taxes . . . . . 11,668 33 

for incidentals 37,739 34 

Gross cash expenditures ...... $580,930 04 



Fire risks outstanding Dec. 31, 1880 



Fire risks written during 1881 



Risks and Premiums. 

Premiums. 

,711,360 00 $574,318 06 
66,921,617 00 697,975 41 



Total .... 
Deduct risks expired and terminated 

In force at end of year 



$120,632,977 00 $1,272,293 47 
. 57,298,871 00 583,016 37 



. $63,334,106 00 $689,277 10 



Miscellaneous. 

Premiums received from re-organization of company . 

Losses paid from re-organization of company 

Cash dividends declared from re-organization of company 

Dividends declared during the year (10 per cent) 

Fire losses incurred during the year .... 

Company's stock owned by directors .... 



53,886,429 48 
1,896,088 06 
815,000 00 
100,000 00 
294,482 84 
174,300 00 



CONTINENTAL INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

George T. Hope, President. Cyrus Peck, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



250 shares American Exch. Nat'l Bank 
69 u Bank of America . 
50 " Bowery National Bank . 
1,200 " Mechanics' National Bank 
350 " Merchants' National Bank 
250 " Mercantile National Bank 



Par value. 

$25,000 00 
. 6,900 00 
. 5,000 00 
. 30,000 00 
. 17,500 00 
. 25,000 00 



Market value. 

$31,250 00 
10,350 00 
7,250 00 
44,400 00 
22,750 00 
29,750 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



10,000 00 10,400 00 

14,000 00 14,700 00 

18,000 00 21,600 00 

20,000 00 40,000 00 



Par value. Market value. 

200 shares Metropolitan National Bank . $20,000 00 $33,000 00 

100 " Nassau Bank . 

700 " Phenix National Bank . 

180 " St. Nicholas National Bank 

200 " Central Trust Company 

20 " N Y. Guaranty and Ind. Co. . 2,000 00 2.500 00 

1,500 " New York and Harlem Railroad .75,000 00 150,000 00 

Erie Railroad bonds 50,000 00 05,000 00 

Chicago and North- Western Railroad bonds . 50,000 00 55,000 00 
Chicago, Milwaukee, and St. Paul R.R. bonds . 50,000 00 53,000 00 
Cedar Rapids, Iowa Falls, and N. W. R.R. b'ds, 50 000 00 52,500 00 
Morris and Essex Railroad bonds . . . 50,000 00 61,500 00 
Chicago, St. Paul, Minn., and O. R.R. bonds . 50,000 00 49,500 00 
Milwaukee, L. S., and Western Railroad bonds, 50,000 00 51,000 00 
Columbia and Greenville Railroad bonds . .50,000 00 51,500 00 
Alabama state bonds .... 
South Carolina state bonds 
Tennessee state bonds 
United States bonds .... 



10,000 00 8,000 00 

12,000 00 12,360 00 



. 26,000 00 19,240 00 
1,050,000 00 1,339,520 00 



$1,766,400 00 $2,236,070 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

22 shares Fidelity and Casualty Company . . 82,530 00 S2.000 00 

Hannibal and St. Joseph Railroad bonds . . 60,500 00 50,000 00 

10 shares American Exchange National Bank . 1,250 00 900 00 

50 " Nassau Bank 5,200 00 4.250 00 

150 " Brooklyn City Railroad . . . 3,000 00 1.400 00 

10 " United States Trust Company . . 4,200 00 1,600 00 

30 " Mechanics' Bank, Brooklyn . . 2,700 00 1,200 00 

Chesapeake and Ohio Railroad bonds . . 32,800 00 25,000 00 
Milwaukee and St Paul Railroad bonds . . 47,500 00 ^ 

International and Great Northern R.R. bonds . 12,600 00 ; -^ q^q ™ 
Pullman Palace Car Company bonds . . . 1,150 00 • 

New York city bonds 1,200 00 J 

600 shares Central Pacific Railroad . . 54,000 00 y 

800 " Chicago and North- Western R.R. 100,000 00 C 200,000 00 
1,500 " Morris and Essex Railroad .90,000 00) 



6418,630 00 $336,350 00 

Summary of Assets Dec. 31, 1881.* 
Cash value of unencumbered real estate . $664,000 00 
Loans on mortgage of real estate (first liens f), 520,575 00 

* The company holds, also, instalment premium notes to the amount of $1,166,248.39 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily be counterbalanced 
by the addition of an exactly equal amount to the re-insurance liability, the entire sum con- 
sisting of " unearned premiums." 

t Value of lands mortgaged §S73,0O0 00 

Value of buildings thereon 680,700 00 

Amount of insurance held as collateral . . . 481,975 00 



1881.] 



INS. COS. OF OTHER STATES. 



183 



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 various banks 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Prem's more than 3 months due, $35,000 00 

Gross assets* .... 
Deduct special deposit in Georgia 



Balance 



Liabilities 



Losses claimed and reported 
Losses 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 due or accrued on scrip 
Dividends to stockholders unpaid 
Commissions and brokerage 



$11,688 04 

2,236,070 00 

336,350 00 

2,243 58 

221,787 31 

38,341 72 

168,149 86 

8,000 00 



$4,207,205 51 
33,125 00 

$4,174,080 51 



$297,135 74 
23,827 54 

$320,963 28 
22,160 53 

$298,802 75 

1,458,827 07 

13,853 00 

6,707 88 

294 00 

22,000 00 



Gross liabilities, except capital and scrip, $1,800,484 70 
Deduct liability on special deposit . . 31,235 00 



Surplus as regards policy-holders 

Paid-up capital $1,000,000 00 

Scrip outstanding not ordered to be redeemed, 79,301 00 



- 1,769,249 70 
. $2,404,830 81 



Surplus over capital and scrip .... 

Income. 

Cash received for fire premiums . . . $2,172,609 09 
Deduct re-insurance and return premiums . 280,001 31 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums, $201,398 38 
Deduct re-insurance and return premiums, 52,771 74 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents . 

Gross cash income ...... 



1,079,301 00 
51,325,529 81 



$1,892,607 78 



148,626 64 

34,526 34 

108,990 24 

43,653 61 

$2,228,404 61 



* Including $550,000 special reserve fund, held under New York law. 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Expenditures. 

Cash paid for fire losses .... $1,064,55645 
Deduct salvage and re-insurance . . 50,726 08 

Net cash paid for fire losses . . . 

Cash paid for marine and inland losses . $95,170 63 
Deduct salvage and re-insurance . . 11,600 92 

Net cash paid for marine and inland losses, 

Cash dividends paid ...... 

Cash paid for redemption of scrip 

Interest paid scrip-holders 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals 

Gross cash expenditures .... 
Risks and Premiums. 



$1,013,830 37 



83,569 71 

144,113 18 

235 00 

75 18 

360,915 26 

225,900 91 

52,936 81 

137,446 21 

$2,019,022 63 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$308,582,337 00 $2. 533,061 23 
. 291,224,183 00 2,217,661 56 



$599,806,520 00 $4,750,722 79 
. 250,620,976 00 1,893,645 88 



$349,185,544 00 $2,857,076 91 
. 13,164,335 00 102,669 07 



$336,021,209 00 $2,754,407 84 



MlSCELL 



8148,180 00 
91,927,8S4 00 



$2,468 03 
198,527 93 



$92,076,064 00 $200,995 96 
92,032,064 00 199,028 71 



$44,000 00 
4,000 00 



$1,967 25 
110 00 



$40,000 00 $1,857 25 



ANEOUS. 



Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Dividends declared during the year .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors . , . 



$24,319,471 77 

12,843.168 39 

3 ; 432,247 36 

143,500 00 

1,09S,426 62 

78,357 62 

252,900 00 



1881.] 



INS. COS. OF OTHER STATES. 



185 



DELAWARE MUTUAL SAFETY INSURANCE COMPANY, 
PHILADELPHIA, PENN. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 
Paid-up Capital, $360,000. 
Thomas C. Hand, President. Henry Lylburn, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Pennsylvania state bonds 

Philadelphia city bonds 

New Jersey state bonds 

Boston city bonds 

St. Louis city bonds . 

Cincinnati city bonds 

Columbus city bonds . 

United States bonds . 

Tennessee state bonds 

444 shares Pennsylvania Railroad 

American Steamship Company's bonds 

Wm. Cramp & Son's dry dock bonds 

16 shares Continental Hotel Company 

2 shares Philadelphia Exchange Co. . 

Scrip of sundry insurance companies . 



Securities held as collateral for cash loans 



Pittsburg, Titusville, and Buffalo R.R. b'ds, 
United States bonds .... 
121 shares Pennsylvania Railroad 
100 " Centennial National Bank 
100 " Merchants' National Bank 
200 " Lehigh Coal and Nav. Co. 
United States bonds .... 
Trenton city bonds .... 
400 shares Lehigh Coal and Nav. Co. 
1,800 shares Pennsylvania Railroad . 



Par value. 


Market value. 


$237,400 00 


$280,132 00 


100,000 00 


128,800 00 


237,000 00 


284,400 00 


100,000 00 


128,000 00 


100,000 00 


112,000 00 


50,000 00 


59,000 00 


25,000 00 


28,000 00 


. . 6,500 00 


7,540 00 


44,000 00 


30,580 00 


22,200 00 


29,193 00 


40,000 00 


42,800 00 


26,000 00 


26,520 00 


1,600 00 


1,600 00 


200 00 


120 00 


2,170 00 


1,519 00 



$992,070 00 $1,160,204 00 



Market value. Loaned thereon 

$25,000 00 
5,800 00 
7,955 75 
12,500 00 
11,200-00 
9,350 00 
4,610 00 * 
24,150 00 [■ 40,000 00 
18,700 00) 
118,350 00 93,000 00 



y $60,000 oo 



37,645 75 $193,000 00 



Summary of Assets Oct. 31, 1881. 

Cash value of unencumbered real estate . $132,000 00 
Loans on mortgage of real estate (first liens *), 151,200 00 



* Value of lands mortgaged $127,000 00 

Value of buildings thereon .... 131,500 00 

Amount of insurance held as collateral . . 119,000 00 

24 



186 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Re-insurance due, etc. 
Prem's more than 3 months due, $37,350 00 
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 
Reclaimable on perpetual fire policies 
Unpaid scrip ordered to be redeemed . 
Interest due or accrued on scrip . 
State and local taxes .... 

Gross liabilities, except capital and scrip 

Surplus as regards policy-holders 
Paid-up capital ..... 



$1,668 80 

1,160,204 00 

193,000 00 

803 90 

110,490 83 

1,587 92 

76,300 34 

184,328 54 

11,253 40 



$2,022,837 82 



$11,446 00 

68,357 00 

8,000 00 

887,803 00 
16,078 00 

871.725 00 

246,395 52 

78,320 37 

7,070 00 

7,422 25 

1,800 00 



- 412,733 14 
. $1,610,104 68 



$360,000 00 



Scrip outstanding not ordered to be redeemed, 870,050 00 



Surplus over capital and scrip .... 

Income. 
Cash received for fire premiums . . . $104,041 65 
Deduct re-insurance and return premiums . 7,185 29 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, 8729,691 19 
Deduct re-insurance and return premiums . 120,505 67 

Net cash rec'd for marine and inland prem's, 

Interest and dividends received from all sources 

Income from rents ........ 

Deposits rec'd for perpetual fire risks, $1,785 03 

Gross cash income 



1,230,050 00 
$380,054 68 



$96,856 36 

609,185 52 
72.995 30 

1.717 To 

',754 93 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 



$55,757 33 
155 26 



$55,602 07 



1881.] 



INS. COS. OF OTHER STATES. 



187 



Cash paid for marine and inland losses . $479,377 30 
Deduct salvage and re-insurance . . 97,908 27 

Net cash paid for marine and inland losses, 

Cash dividends paid .... 
Cash paid for redemption of scrip 
Interest paid scrip-holders . . . 
Cash paid for commissions and salaries 

for state and local taxes 

for incidentals . 
Deposits returned on perpetual fire risks 

Gross cash expenditures 

Risks and Premiums 



$2,430 25 



Fire risks outstanding Oct. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 

Perpetual risks in force 

Marine risks outstanding Oct. 31, 1880 
Marine risks written during 1881 

Total ..... 
Deduct risks expired and terminated . 

In force at end of year 



$17,012,710 00 
14,533,614 00 

$31,546,324 00 
14,951,463 00 

$16,594,861 00 

$3,180,462 00 

$12,922,952 00 
61,710,877 00 

$74,633,829 00 
63,310,255 00 



$381,469 03 
36,000 00 
122,780 00 
49,157 15 
69,391 79 
32,022 60 
13,947 34 

$760,369 98 

Premiums. 

$133,379 60 
103,686 87 

$237,066 47 
104,897 57 

$132,168 90 

$82,442 49 

$244,143 66 
606,284 08 

$850,427 74 
669,005 41 



1,323,574 00 $181,422 33 



Miscellaneous. 

Dividends declared during the year (10 per cent) 
Fire losses incurred during the year . 
Marine and inland losses incurred during the year 
Company's stock owned by directors . 



$36,000 00 
55,905 33 

430,588 70 
41,100 00 



ENTERPRISE FIRE AND MARINE INSURANCE COMPANY, 

CINCINNATI, O. 

[Incorporated December, 1865. Commenced business December, 1865.] 

Paid-up Capital, $200,000 * 

John W. Hartwell, President. James W. McCord, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $132,450 00 $141,140 63 

Cincinnati city bonds .... 21,00000 24,86000 

Cin. Underwriters' and Wrecking Co. stock, 3,500 00 3,500 00 



$156,950 00 $169,500 63 

* Reduced from $300,000 in 1881. 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $89,733 59 
Loans on mortgage of real estate (first liens*), 1,200 00 
Interest due or accrued thereon ... 8 00 

Stocks, bonds, etc., as per schedule . . 169,500 G3 

Cash in the office of the company . . 836 97 

Cash deposited in Commercial Nat'l Bank, 11,172 25 

Premiums in course of collection (gross) . 13,003 63 

Notes taken for marine and inland risks . 13,482 50 

Rents due and accrued .... 1,497 75 

Prem's more than three mos. due, $323 38 

Gross assets ..... 

Liabilities. 

Net amount of unpaid losses . . . 813,270 00 

Unearned premiums on outstanding risks . 58,301 87 

State and local taxes 1,190 86 

Commissions and brokerage . . . 279 20 

Return premiums 338 76 

Re-insurance due 499 91 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 

Surplus over capital 



8300,435 32 



73,880 60 

8220.554 72 
200,000 00 

826,554 72 



Income. 
Cash received for fire premiums . . $90,794 97 

Deduct re-insurance and return premiums . 11,772 98 

Net cash received for fire premiums . . 

Cash received for inland premiums . . $45,047 20 
Deduct re-insurance and return premiums . 5,000 18 

Net cash received for inland premiums . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income ....... 



879,021 99 



810,047 02 

217 58 

8,299 91 

10,641 84 

$138,258 34 



Expenditures. 

Cash paid for fire losses .... 885,536 06 
Deduct salvage and re-insurance . . 5,255 35 

Net cash paid for fire losses . . . $80,280 71 

Cash paid for inland losses . . . $30,978 20 

Deduct salvage and re-insurance . . 3,731 74 

Net cash paid for inland losses . . . 27,246 46 



* Value of lands mortgaged $1,500 00 

Value of buildings thereon 1,000 00 

Amount of insurance held as collateral . . . 800 00 



1881.] 



INS. COS. OF OTHER STATES. 



189 



Cash dividends paid ..... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for incidentals .... 
for rents ..... 

Gross cash expenditures 



$6,000 00 

15,406 58 

10,999 92 

3,252 87 

8,351 61 

7,000 00 

$158,538 15 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$7,797,086 00 $97,306 69 
8,721,551 00 92,423 39 



Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Xet amount in force . 

Inland risks outstanding Dec. 31, 1880 
Inland risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$16,518,637 00 $189,730 08 
9,555,082 00 95,698 62 



$6,963,555 00 $91,031 46 
202,747 00 2,604 34 



1,760,808 00 $91,427 12 



$30,243 81 
40,556 17 

$70,799 98 
45,551 60 

$25,248 38 
375 00 



285,750 00 $24,873 38 



$317,664 00 

2,351,179 00 

52,668,843 00 

2,378,093 00 

$290,750 00 

5,000 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 (3 per cent) 

Fire losses incurred during the year .... 

Inland losses incurred during the year 

Company's stock owned by directors .... 



$3,975,617 30 

2,625,538 62 

258,000 00 

6,000 00 

77,726 76 

24,319 86 

83,147 00 



190 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



EQUITABLE FIRE AND MARINE INSURANCE COMPANY, 

PROVIDENCE, R.I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid-up Capital, $300,000. 

Fred W. Arnold, President. Jas. E. Tillinghast, Secretary. 



Detailed Statement of Stocks 



500 shares Old National Bank of Providence, 
200 
200 
30 
100 
100 



National Bank of Commerce 
American National Bank 
Third National Bank 
Fourth National Bank 
First National Bank . 
United States bonds . 
Union Pacific Railroad bonds 
New York Elevated Railroad bonds 
Pawtuxet Valley Railroad bonds 



, Bonds, etc. 

Par value. 

$50,000 00 
. 10,000 00 
. 10,000 00 
. 3,000 00 
. 10,000 00 
. 10,000 00 
. 95,000 00 
. 10,000 00 
. 10,000 00 
. 10,000 00 



Market value. 

$56,500 00 
11,200 00 
11,000 00 
3,900 00 
12,200 00 
10,200 00 

105,212 50 
11,700 00 
11,900 00 
12,400 00 



$218,000 00 $246,212 50 



Summary of Assets Dec. 31, 1881. 



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 
Cash deposited in bank 
Premiums in course of collection (gross) 
Rents due and accrued . ... 
Gross assets .... 

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 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$129,900 00 
. 50,000 00 
246,212 50 
1,070 36 
27,718 51 
11,650 06 
1,500 00 



$2,187 00 

9,195 00 

2,300 00 

71,075 53 

282 60 

500 00 

1,000 00 



$468,051 43 



86,540 13 

$381,511 30 
300,000 00 

$81,511 30 



* Value of lands mortgaged $50,900 00 

Value of buildings tbereon 62,000 00 

Amount of insurance beld as collateral . . 27,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



191 



Income. 

Cash received for fire premiums . . $127,746 29 

Deduct re-insurance and return premiums, 11,067 51 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums, $13,595 10 
Deduct re-insurance and return premiums, 621 59 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents, etc. ....... 



Received for increased capital 
Gross cash income 



$100,000 00 



$116,678 78 

12,973 51 
1,400 00 

13,060 72 
8,844 04 

$152,957 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 .... 
Cash paid for commissions and brokerage 
for salaries and incidentals 
for state and local taxes 
for expenses on real estate . 

Gross cash expenditures 

Risks and Premiums. 



,517 73 
456 00 



,455 61 
356 42 



Fire risks outstanding Dec 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$12,660,959 00 
14,319,291 00 

$26,980,250 00 
13,654,704 00 

$13,325,546 00 
67,403 00 



,061 73 



10,099 19 
17,007 60 
23,050 14 
19,087 83 
5,568 57 
2,978 82 

$137,853 88 



Premiums. 

$131,843 34 
128,724 43 

$260,567 77 
124,390 05 

$136,177 72 
646 09 



$13,258,143 00 $135,531 63 

$154,234 00 $2,362 41 
2,157,688 00 13,418 90 



£2,311,922 00 

2,236,336 00 

$75,586 00 

15,785 00 

$59,801 00 



$15,781 31 

14,705 84 

$1,075 47 

124 36 

$951 11 



192 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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,873,551 06 

1,350,01 1 79 

323,000 00 

17,000 00 

66,770 33 

7,837 20 

61,990 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. George W. Montgomery, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds $183,500 00 §189,235 37 



Securities held as collateral for cash loans : — 

United States bonds 

National Mechanics Banking Association . 
Manhattan Life Insurance Company . 
Phenix National Bank .... 

Manhattan Fire Insurance Company . 
Importers' and Traders' Fire Insurance Co. 
Harlem Steamboat Navigation Company . 
Marine National Bank .... 

Sterling Fire Insurance Company 
Tradesmen's Fire Insurance Company 
Rutgers Fire Insurance Company 
Oriental Bank ...... 

New York Equitable Fire Insurance Company 
Home Insurance Company 

Citizens' Bank 

Mechanics' Fire Insurance Company 
American Exchange Fire Insurance Company 
Firemen's Trust Insurance Company 
National Mechanics' Banking Association . 
Yonkers city bonds ..... 
Republic Fire Insurance Company . 



Market value. 

$1,925 00 
1,400 00 
2,500 00 

700 00 
1,620 00 
1,050 00 

300 00 
3,500 00 
3,010 00 

240 00 
3,000 001 

750 00 
1,575 00 [ 
4,S00 00 I 
1,650 00 j 

750 00] 

550 00 I 

228 00 j" 
1,350 00 j 
5,500 00 

375 00 



Loaned thereon. 

$1,200 00 
1,200 00 
1,400 00 

600 00 
1,300 00 

900 00 

200 00 
1,500 00 
2,100 00 

200 00 



7,500 00 



2,000 00 

4,500 00 
200 00 



$36,773 00 $24,800 00 



1881.] 



INS. COS. OF OTHER STATES. 



193 



Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens*), $103,300 00 
Interest due or accrued thereon . . . 1,847 50 

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 ..... 

Liabilities. 

Losses claimed and reported 
Losses disputed or resisted 
Unearned premiums on outstanding risks . 
Dividends to stockholders unpaid 
Return premiums ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders .... 
Paid-up capital ......... 

Surplus over capital 

Income. 
Cash received for fire premiums . . $125,196 95 

Deduct re-insurance and return premiums . 22,559 47 

Net cash received for fire premiums . . — — 

Cash rec'd for marine and inland premiums, $8,606 60 

Deduct re-insurance and return premiums . 423 00 

Net cash rec'd for marine and inPd prem's, -- 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents . 



189,235 37 


24,800 00 


2,967 74 


5,961 18 


551 00 


8,765 55 


oqq7 40a 34 


$6,168 00 


2,000 00 


49,918 02 


889 50 


211 45 



Gross cash income .... 

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 
for incidentals .... 

Gross cash expenditures 



$71,288 83 
2,872 72 



$278,241 37 
200,010 00 

$78,231 37 



$102,637 48 



8,183 60 

5,837 33 

10,944 59 

2,250 00 

$129,853 00 



$68,416 11 
2,487 29 
20,001 00 
21,016 46 
17,555 74 
7,044 59 
10,256 37 

$146,777 56 



* Value of lands mortgaged $108,000 00 

Value of buildings thereon 120,000 00 

Amount of insurance held as collateral . . . 105,600 00 



25 



194 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 



820,074,202 00 
20,750,292 00 

$40,824,494 00 
21,920,023 00 

$18,904,471 00 
3,953,380 00 



Premiums. 

8115,871 11 
124,911 95 

8240,783 06 
131,982 26 

8108,800 80 
14,475 53 



$14,951,091 00 


$94,325 27 


$131,900 00 


$6,219 50 


292,310 00 


8,891 60 



$424,210 00 
199,710 00 



.5,111 10 
6,897 60 



In force at end of year 

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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$224,500 00 $8,213 50 



$2,729,557 15 

1,668,934 30 

302,620 50 

20,001 00 

69,909 41 

2,4- 

96,300 00 



FARRAGUT FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

John M. Furman, President. Samuel Darbee, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $250,000 00 $286,562 50 

Fourth National Bank stock . . . 10,000 00 13,000 00 



Securities held as collateral for cash loans : 

United States Express Company stock 
Greenwich Insurance Company stock 
New York City Insurance Company stock . 
Relief Fire Insurance Company stock 
Manhattan Fire Insurance Company stock 
Union Pacific Railroad bonds . 
Metropolitan Elevated Railroad stock 
Metropolitan Elevated Railroad bonds 
New York and New England Railroad bonds 



$260,000 00 $299,562 50 



Market value. Loaned thereon. 



. $4,042 50 

. 1,215 00 

585 00 

807 50 

950 00 

. 1,170 00 

. 34,000 00 

. 8,160 00 

. 5,450 00 



$2,600 00 
600 00 

2,000 00 

1,000 00 

40,000 00 



$56,380 00 $46,200 00 



1881.] 



INS. COS. OF OTHER STATES. 



195 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $43,500 00 
Loans on mortgage of real estate (first liens *), 9,500 00 

Interest due or accrued thereon . . . 142 50 

Stocks, bonds, etc., as per schedule . . 299,562 50 

Loans on collateral security as per schedule, 46,200 00 

Cash in the office of the company . . 474 79 

Cash deposited in various banks . . 25,124 69 

Interest due and accrued .... 108 58 

Premiums in course of collection (gross) . 12,188 04 

Rents due and accrued .... 190 00 
Furniture, maps, etc. . . $4,000 00 
Prem's more than three mos. due, 61 85 

Gross assets ..... 

Liabilities. 

Losses adjusted unpaid .... $794 89 

claimed and reported . . . 12,000 00 

disputed or resisted . . . 8,431 51 

Total amount of losses . . . $21,226 40 
Less re-insurance 500 00 

Net amount of unpaid losses . . . $20,726 40 

Unearned premiums on outstanding risks . 88,213 81 

Due and accrued for rent, salaries, etc. . 2,103 93 

State and local taxes ..... 600 00 

Commissions and brokerage . . . 1,265 20 

Return premiums ..... 10 32 

Gross liabilities, except capital . . 

Surplus as regards policy-holders 
Paid-up capital ......... 

Surplus over capital ...... 

Income. 

Cash received for fire premiums . . $168,677 99 

Deduct re-insurance and return premiums, 9,742 92 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Income from rents 

Profit and loss account 

Gross cash income ....... 

Expenditures. 
Cash paid for fire losses ....... 

dividends paid ........ 

paid for commissions and brokerage .... 



$436,991 10 



112,919 66 

$324,071 44 
200,000 00 

$124,071 44 



$158,935 07 

845 75 

15,425 95 

3,247 88 

101 21 

$178,555 86 

$87,075 06 
24,000 00 
30,150 88 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$9,000 

10,000 

8,600 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for salaries of officers and employes . 
for state and local taxes 
for incidentals ..... 
for repairs on real estate . 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



830,824,790 00 
33,185,650 00 

$64,010,440 00 
32,533,787 00 

$31,476,653 00 
466,274 00 



",700 00 

3,589 03 

18,160 41 

1,835 51 

$190,510 89 



Premiums. 

$166,943 68 
169,395 01 

$336,338 69 
159,671 91 

$176,666 78 
2,764 90 



$31,010,379 00 $173,901 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 (12 per cent) 
Fire losses incurred during the ye^r .... 
Company's stock owned by directors .... 



,390,074 80 

495,420 69 

246,000 00 

24,000 00 

90,029 91 

85,650 00 



FIRE ASSOCIATION OF PHILADELPHIA, PHILADELPHIA, 

PENN. 

[Incorporated Sept. 1, 1817. • Commenced business March 27, 1820.] 

Paid-up Capital, 6500,000. 

A. Loudon Snowden, President. Jacob H. Lex, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Pennsylvania Company bonds . 
Lehigh Valley Railroad bonds . 
Pennsylvania Railroad bonds 
Philadelphia and Erie Railroad bonds 
Lehigh Coal and Navigation bonds . 
Catawissa Railroad bonds . 
Penn. and New York Canal Co. bonds 
Shamokin Valley and P. R.R. bonds 
Texas and Pacific Railroad bonds 
Northern Central Railroad bonds 
Huntington and B. T. Mountain R.R. b'ds, 
Louisville and Nashville Railroad bonds . 



Par value. 

$475,000 00 
143,000 00 
132,000 00 
108,000 00 
129,000 00 
100,000 00 

10,000 00 
8,000 00 

20,000 00 

65,000 00 
168,000 00 

15,000 00 
100,000 00 



Market value. 

$549,875 00 
150,150 00 
160,060 00 
130,840 00 
138,060 00 
117,000 00 

12,000 00 
9,920 00 

23,200 00 

65,900 00 
193,200 00 

17,400 00 
104,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



197 



Philadelphia City Passenger R.R. bonds . 
Phila., Wilmington, and Bait. R R. bonds, 
Belt Railroad and Stock Yard Co. bonds 
Camden city bonds 
Pittsburgh city bonds 
Philadelphia city bonds 
Cincinnati city bonds 
Masonic Temple loan 
3,030 shares Pennsylvania Railroad 
331 " Phila., Ger., and Nor. R.R. 
70 " Chestnut Hill Railroad 
Philadelphia and Reading R.R. coupons 
600 shares Fire Association, $180,000 00 



Par value. 

$50,000 00 

50,000 00 

50,000 00 

6,000 00 

50,000 00 

402,600 00 

125,000 00 

20,000 00 

151,500 00 

16,550 00 

3,500 00 

2,800 00 



Market value. 

$53,000 00 

47,500 00 

53,000 00 

6,960 00 

53,000 00 

515,328 00 

160,080 00 

20,000 00 

181,800 00 

34,755 00 

7,350 00 

1,400 00 



$2,400,950 00 $2,806,278 00 



Securities held as collateral for cash loans : — 

Pittsburg, Cin., and St. Louis R.R. bonds, 
American Steamship Company bonds 
North Pennsylvania Railroad stock . 
Philadelphia City Passenger Railroad stock, 
Philadelphia and Reading Railroad bonds . 
31 shares Fire Association . $5,600 00 



Market value. Loaned thereon. 



$12,000 00 

5,400 00 

5,900 00 

24,000 00 

18,620 00 



£ $10, 



000 00 



40,000 00 



$65,920 00 $50,000 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $76,750 00 
Loans on mortgage of real estate (first liens *), 947,424 28 



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) 
Rents due and accrued 

Gross assets .... 
Deduct special deposits in other states 



Balance 



Liabilities 



Losses adjusted unpaid 

claimed and reported 
disputed or resisted 



21,810 20 

2,806,278 00 

50,000 00 

168,925 45 

45,626 11 

101,917 77 

314 75 



:,219,046 56 
68,655 00 



$4,150,391 56 



$54,894 80 
91,525 00 
10,350 00 



Value of lands mortgaged 

Value of buildings thereon 

Amount of insurance held as collateral 



$1,729,560 00 

1,076,990 00 

759,670 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$871,064 77 
1,751,404 23 

$2,779,238 80 
43,015 03 



$2,736,223 77 

$1,414,167 79 
500,000 00 

$914,167 79 



Income. 

Cash received for fire premiums . . $1,594,912 78 

Deduct re-insurance and return premiums . 156,946 63 

Net cash received for fire premiums . . $1,437,966 15 



Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents .... . . 

from return taxes, surveys, and policy fees . 

from transfers, etc. ..... 

Deposits received for perpetual fire risks . $71,675 29 

Gross cash income 



64,785 43 

167,422 38 

2,038 80 

3,318 22 

2,841 80 

.,678,372 78 



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 incidentals . 
for repairs on real estate . 
Deposits returned on perpetual fire risks 

Gross cash expenditures 



$1,003,032 61 

200,000 00 

337,204 62 

61,187 73 

73,095 21 

18,711 67 

1.246 66 



$35,930 11 



. $1,694,478 50 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$221,159,264 00 $3,273,903 80 
132,154,666 00 1,5S5,053 62 



Total 

Deduct risks expired and terminated, 

In force at end of year 
Deduct amount re-insured . 

Xet amount in force . 
Perpetual risks in force 



$353,313,930 00 $4,858,957 42 
125,773,S85 00 1,313,077 S4 



$227,540,045 00 $3,545,879 58 
839,046 00 10,992 95 



$226,700,999 00 $3,534,886 63 
82,616,611 00 1,843,583 41 



1881.] 



INS. COS. OF OTHER STATES. 



199 



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 (40 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$12,732,462 00 
6,001,626 00 
2,179,763 00 
200,000 00 
991,469 58 
83,600 00 



FIRE INSURANCE COMPANY OF THE COUNTY OF PHILA- 
DELPHIA, PHILADELPHIA, PENN. 

[Incorporated May 3, 1832. Commenced business April 9, 1833.] 

Paid-up Capital, $200,000. 

James N. Stone, President. John W. Dulles, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

Philadelphia city loan $5,000 00 

Jersey city loan . 9,000 00 

Camden county (N.J ) loan .... 15,000 00 
Lehigh Valley Railroad bonds .... 15,000 00 
Delaware and Bound Brook Railroad bonds . 12,000 00 
North Pennslyvania Railroad bonds . . . 5,000 00 
Catawissa Railroad bonds ..... 4,000 00 
Pennsylvania Company bonds .... 14,000 00 
Pennsylvania and N. Y. Canal and R.R. bonds . 10,000 00 
Elmira and Williamsport Railroad stock . . 550 00 
Hunt, and Broad Top R.R. and C. Co. bonds . 10,500 00 
Pittsburgh, Cin., and St. Louis R.R. bonds . 15,000 00 
Railway Car Trust of Pennsylvania bonds . . 10,000 00 
American Steamship Company bonds . . 4,500 00 

West Jersey Railroad bonds .... 9,000 00 
New York Car Trust, No. 2 . . . . 9,000 00 
United New Jersey R R. and Canal Co. bonds . 10,000 00 
Philadelphia and Erie Railroad bonds . . 10,000 00 
Pennsylvania Railroad bonds .... 11,000 00 



Market value. 

$5,500 00 

9,900 00 

16,500 00 

18,525 00 

14,940 00 

6,175 00 

4,800 00 

15,260 00 

12,400 00 

220 00 

12,495 00 

18,150 00 

10,000 00 

4,815 00 

10,350 00 

9,000 00 

12,000 00 

10,550 00 

13,770 00 



$178,550 00 $205,350 00 
Securities held as collateral for cash loans : — 



25 shares Pennsylvania Salt Manuf . Company 
150 " Northern Liberties Gas Company 
400 " Pennsylvania Railroad 

85 " Lehigh Valley Railroad 
Alleghany Valley Railroad bonds 



Market value. 

. $2,500 00 
. 5,550 00 
. 24,400 00 \ 
. 5,185 00 C 
. 1,200 00) 



Loaned thereon.. 

$2,000 00 
3,500 00 

23,500 00 



$38,835 00 $29,000 00 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 
Cash value of unencumbered real estate 
Loans on mort. 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 
Cash deposited in various banks 
Premiums in course of collection (gross) 
Rents due and accrued 
Perpetual insurance deposits 

Gross assets .... 

Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
State and local taxes .... 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



31, 1881. 

$36,500 00 

115,420 00 

2,168 86 

205,350 00 

29,000 00 

121 51 

9,819 51 

5,691 30 

101 58 

281 25 



$2,182 56 


631 


25 


25,096 92 


72,152 


11 


267 


00 


900 


00 


921 48 



$404,454 01 



$49,990 20 
4,097 71 



Surplus over capital 

Income. 

Cash received for fire premiums . 

Deduct re-insurance and return premiums . 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents 

Income from all other sources 

Deposits received for perpetual fire risks . . $6,375 61 



Gross cash income .... 

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 incidentals .... 

Deposits returned on perpetual fire risks . 

Gross cash expenditures 



$19,617 29 
2,754 97 



$3,520 36 



102,151 32 

$302,302 69 
200,000 00 

S102,302 69 



$45,892 49 

7,075 61 

11,286 80 

1,139 02 

103 04 



.5,496 96 



$16,862 32 
17,882 50 
8,665 39 
4,560 76 
1,614 60 
4,502 94 

$54,088 51 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$274,700 00 
86,500 00 



1881.] 



INS. COS. OF OTHER STATES. 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Perpetual risks in force 



$2,027,763 00 
6,310,530 00 

$8,338,293 00 
3,407,764 00 

$4,930,529 00 
44,850 00 

$4,885,679 00 
2,577,092 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 (9 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



201 



Premiums. 

$20,213 06 
53,216 06 

$73,429 12 
24,961 10 

$48,468 02 
409 32 

$48,058 70 
75,949 59 



$441,335 86 

277,445 38 

316,000 00 

18,000 00 

17,076 13 

36,200 00 



FIREMAN'S FUND INSURANCE COMPANY, SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863.] 

Paid-up Capital, $750,000. 

D. J. Staples, President. William J. Dutton, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Oakland city bonds .... 
Oakland Gas-Light Company bonds . 
99 shares First National Gold Bank . 



Par value. Market value. 

$540,000 00 $639,900 00 
. 25,000 00 30,625 00 



. 17,000 00 
. 9,900 00 



17,347 06 

11,880 00 



$591,900 00 $699,752 06 



Securities held as collateral for cash loans : — 

Market value. 

100 shares Gold and Stock Telegraph Company . $8,000 00 

51 " California Powder Company . . 6,120 00 

250 " Bank of Sonoma .... 27,500 00 



440 " Masonic Hall Association . 



26 



4,400 00 



Loaned thereon. 

$5,250 00 
3,500 00 

10,000 00 
4,000 00 



$46,020 00 $22,750 00 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $222,047 52 
Loans on mortgage of real estate (first liens*), 104,942 32 



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 coarse of collection (gross) 

Notes taken for marine and inland risks 

Rents due and accrued 

Tax advanced on mortgage 

Gross assets .... 

Deduct special deposit in Oregon 



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, etc 

Gross liabilities, except capital . 
Deduct liability on special deposit 

Surplus as regards policy-holders 
Paid-up capital ..... 



437 90 

699,752 06 

22,750 00 

1,041 89 

95,229 23 

2,120 22 

56,364 91 

34,180 44 

230 00 

819 31 



$1,239,915 80 
59,250 00 

$1,180,665 80 



$29,027 00 

13,180 97 

9,785 83 

$51,993 80 
6,800 00 

$45,193 80 

333,425 45 

39 00 

4,054 84 

6,388 13 

$389,101 22 
5,532 57 



Surplus over capital 



Income. 

Cash received for fire premiums . . $602,178 73 

Deduct re-insurance and return premiums . 116,101 42 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $172,980 80 

Deduct re-insurauce and return premiums, 57,875 96 

Net cash rec'd for marine and inl'd prem's, 



383,568 65 

$797,097 15 
750,000 00 

$47,097 15 



$486,077 31 



115,104 84 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$193,200 00 

120,250 00 

71,100 00 



1881.] 



INS. COS. OF OTHER STATES. 



203 



Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents ....... 

Gross cash income 



$11,441 21 
27,360 63 
13,786 45 

$653,770 44 



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 .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidentals . 

Gross cash expenditures 



$268,699 80 
18,506 48 

$68,836 05 
22,025 73 



$250,193 32 



46,810 32 
90,251 61 
69,036 73 
34,373 47 
10,567 34 
87,270 73 

$588,503 52 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$44,316,742 00 $533,729 08 
50,381,914 00 595,253 14 



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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$94,698,656 00 $1,128,982 22 
41,749,992 00 522,049 75 



$52,948,664 00 $606,932 47 
4,527,535 00 67,692 18 



$48,421,129 00 $539,240 29 



$910,843 00 
8,228,995 00 

$9,139,838 00 
7,911,648 00 

$1,228,190 00 
395,430 00 



$65,718 33 
174,669 39 

£240,387 72 
152,043 03 

$S8,344 69 
27,407 26 



$832,760 00 $60,937 43 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors . . ... 



$7,293,400 74 

4,551,284 89 

986,060 00 

90,000 00 

238,722 95 

58,399 07 

107,300 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



FIREMEN'S INSURANCE COMPANY, BALTIMORE, MD. 

[Incorporated December, 1825. Commenced business Aug. 2, 1826.] 

Paid-up Capital, 3378,000. 

James M. Anderson, President. R. E. Warfield, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Baltimore city bonds 

Maryland state bonds- .... 
Virginia state bonds ..... 
Tennessee state bonds .... 
Com. and Farmers' Nat'l B'k (Bait.) stock, 
Farmers' and Merch. N'l B'k (Bait.) stock, 
Merchants' Xational Bank (Bait.) stock . 
Merchants' National Bank (Bait.) stock . 
National Bank of Baltimore 
Franklin Bank of Baltimore 



Summary of Assets Dec. 
Cash value of unencumbered real estate 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash 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 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
State and local taxes .... 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Par value. 

$133,400 00 

148,205 69 

72.51-4 00 

43,000 00 

31,000 00 

1,200 00 

700 00 

8,080 00 

13,200 00 

500 00 



Market value. 

$152,076 00 

154,399 69 

35,652 10 

31,820 00 

35,030. 00 

1,41000 

945 00 

9,898 00 

17,952 00 

475 00 



$451,799 69 $439,657 79 

31, 1881. 

$61,875 00 

439,057 79 

776 B4 

4.105 40 

7.322 93 

7.217 17 

237 50 

$521,192 63 



$18,719 41 

4.530 50 

5,500 00 

83.100 02 

199 00 

7 12 

761 11 

139 



Surplus over capital 

Income. 
Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums . 



113,757 03 

$407,435 60 
378,000 00 

$29,435 60 



$193,668 92 
16,534 31 



$177,134 61 



1881.] 



INS. COS. OF OTHER STATES. 



205 



Interest and dividends received from all sources 
Income from rents ...... 

Deposits received for perpetual fire risks . 



$199 00 



Gross cash income .... 

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 incidentals .... 



Gross cash expenditures . . . 

Risks and Premiums. 



$145,057 51 
4,558 31 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 
Perpetual risks in force 



$24,757,965 00 
28,034,808 00 

$52,792,773 00 
27,435,098 00 

$25,357,675 00 
102,125 00 

$25,255,550 00 
2,500 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$24,764 07 
1,325 00 

$203,223 68 



$140,499 20 

45,088 80 
28,555 90 
7,985 35 
10,059 64 
10,569 37 

$242,758 26 



Premiums. 

$160,488 88 
199,953 56 

$360,442 44 
195,206 89 

$165,235 55 
1,176 68 

$164,058 87 
200 00 



£5,230,490 19 
2,524,168 46 
3,030,000 24 

45,360 00 
153,153 34 

22,950 00 



FIREMEN'S INSURANCE COMPANY, DAYTON, O. 

[Incorporated April, 1856. Commenced business April, 1856.] 

Paid-up Capital, $250,000. 

S. Craighead, President. J. S. Miles, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $120,000 00 $123,575 00 

Dayton city bonds 21,000 00 23,100 00 

Troy city bonds 17,000 00 18,050 00 



206 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Music Hall Company (Dayton) bonds 
135 shares Merchants' Nat'l Bank (Cin.) 
22 shares Dayton National Bank 



Par value. 

$5,400 00 

13,500 00 

2,200 00 



Market value. 

$5,400 00 

18,225 00 

3,300 00 



$179,100 00 $191,650 00 



Securities held as collateral for cash loans: - 

Second National Bank (Dayton) stock 
Cooper Hydraulic Company (Dayton) stock, 
Personal loans secured .... 



Market value. Loaned thereon. 

$18,500 00 $8,000 00 

25,000 00 12,500 00 

11,200 00 6,000 00 



$54,700 00 

Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $82,347 81 
Loans on mortgage of real estate (first liens*), 74,924 02 
Interest due or accrued thereon . . . 3,342 17 
Stocks, bonds, etc., as per schedule . . 191,650 00 
Loans on collateral security as per schedule, 26,500 00 
Cash in the office of the company . . 9,279 41 
Cash deposited in bank .... 1,578 30 
Interest due and accrued .... 1,511 44 
Premiums in course of collection (gross) . 32,120 83 
Notes taken for marine and inland risks . 754 77 
Gross assets 

Liabilities. 
Losses adjusted unpaid .... $3,453 06 

claimed and reported . . . 6,893 85 

disputed or resisted . . . 1,150 00 

Unearned premiums on outstanding risks . 105,031 85 

Dividends to stockholders unpaid . . 1,090 40 

State and local taxes 1,550 30 

Commissions and brokerage . . . 2,500 00 

' Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 

Surplus over capital ...... 

Income. 
Cash received for fire premiums . . $192,111 59 

Deduct re-insurance and return premiums . 33,475 75 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

Interest and dividends received from all other sources 

Income from rents . . . • 

Gross cash income ....... 



$26,500 00 



$424,008 75 



121,669 46 

$302,339 29 
250,000 00 

$52,339 29 



$158,635 84 

7,174 28 

13,226 17 

495 00 

$179,531 29 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$113,435 00 
55,800 00 
28,450 00 



1881.] 



INS. COS. OF OTHER STATES. 



207 



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 incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



187,883 53 
2,189 70 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$15,867,962 00 
16,118,873 00 

$31,986,835 00 
14,833,003 00 

$17,153,832 00 
267,599 00 



$85,693 83 
22,902 10 
28,045 06 
14,214 63 
5,325 06 
17,991 37 

$174,172 05 



rremiums. 

$183,478 40 
192,111 59 

$375,589 99 
169,063 93 

$206,526 06 
3,405 25 



$16,886,233 00 $203,120 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 (9 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$1,595,689 89 

614,591 33 

412,392 40 

22,500 00 

87,825 99 

57,020 00 



FIREMEN'S INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 

Paid-up Capital, $500,000. 

S. R. W. Heath, President. Daniel H. Dunham, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market valne. 

United States bonds $100,000 00 $108,775 00 

Newark City National Bank stock . . .20,000 00 25,000 00 

Second National Bank stock .... 14,000 00 17,500 00 

National State Bank stock .... 10,800 00 11,880 00 

Essex County National Bank stock . . . 10,400 00 13,000 00. 

National Newark Banking Company stock . 7,850 00 10,205 00 

German National Bank stock .... 2,300 00 2,070 00 

American Insurance Company stock . . . 20,000 00 30,000 00 



208 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Newark City Insurance Company stock 
Newark Fire Insurance Company stock 
Germania Insurance Company stock . 
Morris and Essex Railroad Company stock 
Newark Gas-Light Company stock 
Orange and Newark H. C. Railroad bonds 



Par value. 

. $3,750 00 
. 2,340 00 
. 2,000 00 
. 11,800 00 
. 5,000 00 
. 2,000 00 

$212,240 00 
Securities held as collateral for cash loans : — 

Market value. 

500 shares Union Pacific Railroad . . $58,500 00 ^| 

350 " Western Union Telegraph Company . 28,000 00 ! 

100 " North- Western Railroad . 

100 " Lake Shore Railroad 

New York Elevated Railroad bonds . 

Newark and Rosendale Cement Company stock, 

Essex County National Bank stock . 

Bonds and mortgages ..... 



Market value. 

$2,812 50 
3,159 00 
1,000 00 

14,278 00 
6,500 00 
2,000 00 

$248,179 50 

Loaned thereon 



13,900 00 y $100,000 00 
11,500 00 | 

5,900 00 J 

8,300 00 

3,750 00 
16,000 00 



10,000 00 
4,000 00 



$145,850 00 $114,000 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $105,411 29 
Loans on mortgage of real estate (first liens*), 731,804 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 
Cash deposited in Newark City Nat'l Bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 
Prem's more than three mos. due, $109 60 
Gross assets .... 

Liabilities 

Losses claimed and reported 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Commissions and brokerage 
Return premiums .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



13,377 79 

248,179 50 

114,000 00 

11,821 95 

8,360 99 

362 02 

3,545 13 

192 50 



,237,055 17 



$12,156 72 

111,925 37 

2,303 00 

613 97 

493 86 

25 68 



- 127,518 60 

. $1,109,536 57 
500,000 00 



Surplus over capital 



$609,536 57 



* Total value of property mortgaged 
Amount of insurance held ae collateral 



$1,799,600 00 
941,160 00 



1881.] 



INS. COS. OF OTHER STATES. 



209 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums, 

Net cash received for fire premiums . 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents 

Gross cash income .... 

Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid .... 

Cash paid for redemption of scrip 

Interest paid scrip-holders 

Cash paid for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes 

for incidentals . 

for repairs on real estate . 

Gross cash expenditures 



$203,736 45 




10,351 81 






- $193,384 64 
46,969 26 


• « 


sources 


18,124 77 


. 


7,180 13 


. 


$265,658 80 


$87,960 31 


I 


. 314 9S 


> 




- $87,645 46 
60,000 00 




. * 




81 00 


. 4 




21 81 


, 




26,861 76 


. 




17,385 13 


. 




6,508 55 


. 




14,842 08 


' 




2,356 66 


. , 


.. $215,702 45 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$27,672,851 00 $213,798 51 
28,721,460 00 204,657 11 



Total ..... 
Deduct risks expired and terminated, 

In force at end of year . . : 
Deduct amount re-insured . 

Net amount in force . 



,394,311 00 $418,455 62 
27,817,026 00 197,248 98 



$28,577,285 00 $221,206 64 
128,309 00 941 93 



$28,448,976 00 $220,264 71 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,090,078 62 

1,022,988 14 

552,500 00 

60,000 00 

96,904 96 

317,675 00 



27 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 
FIREMEN'S INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated 1825. Commenced business 1825.] 

Paid-up Capital, -5204,000. 

John F. Halsted, President. P. Hanford Oakley, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Bank of New York stock . 
Metropolitan Bank stock . 
American Exchange Bank stock 
Delaware and Hudson Canal Co. bonds 



Par value. 

$227,000 00 

6,700 00 

6,000 00 

4,000 00 

13,000 00 



Market value. 

$235,602 50 
9,380 00 

10,200 00 
5,000 00 

14,100 00 



$256,700 00 $274,282 50 



Summary of Assets, Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $34,300 00 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company 
Cash deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Prem's more than 3 months due, $148 08 
Gross assets .... 

Liabilities 
Losses adjusted, unpaid 
Losses 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 



Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . 



771 75 
274,282 50 

972 45 
2,274 98 
1,023 00 
4,5S2 95 



$10,823 50 

13,335 00 

32,978 58 

683 33 

433 50 

802 01 

51 36 



$66,205 82 
7,731 72 



$318,207 63 



59,107 2S 

$259,100 35 
204,000 00 

$55,100 35 



S5S,474 10 



* Value of lands mortgaged $44,700 00 

Value of buildings thereon 28,300 00 

Amount of insurance held as collateral . . 28,400 00 



1881.] 



INS. COS. OF OTHER STATES. 



211 



Cash received for marine and inland premiums . 
Deduct re-insurance and return premiums . 

Net cash received for marine and inland prem's, 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Gross cash income 



.,471 00 
169 56 



$1,301 44 

2,485 50 

12,811 54 

$75,072 58 



Expenditures. 

Cash paid for fire losses . . . . 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
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 incidentals .... 

Gross cash expenditures 



$37,215 94 
31 77 



$37,184 17 

749 33 

17,340 00 

8,047 36 

10,391 70 

1,039 35 

6,954 18 

$81,706 09 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$10,889,447 00 
11,881,799 00 



$22,771,246 00 
11,929,690 00 



$10,841,556 00 
249,355 00 



Premiums. 

$64,151 95 
64,029 94 

$128,181 89 
63,130 96 

$65,050 93 
1,428 33 



$10,592,201 00 $63,622 60 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total . . . . 
Deduct risks expired and terminated . 

In force at end of year 



$96,614 00 
53,500 00 

$150,114r 00 
101,614 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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



&2,854 06 
1,296 00 

K,150 06 
2,948 06 



$48,500 00 $1,202 00 



$4,210,600 63 

2,631,126 44 

1,350,538 17 

17,340 00 

47,094 89 

190 89 

61,982 00 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



FRANKLIN FIRE INSURANCE COMPANY, PHILADELPHIA, 

PENN. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid-up Capital, §400,000. 

James W. McAllister, President. Ezra T. Cresson, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Tar value. 

United States bonds $110,000 00 

Maine state bonds 7,000 00 

Philadelphia city bonds 50,000 00 

Columbus city bonds 5,000 00 

Camden city bonds 1,000 00 

New Jersey Railroad bonds .... 15,000 00 
Philadelphia and Reading Railroad bonds . . 3,000 00 
Harrisburg, P. L., and Mt. Joy R.R. bonds . 25,000 00 
Hestonville, M., and F. P. Railroad bonds . 10,000 00 
Camden and Amboy Railroad bonds . . . 10,500 00 

Connecting railroad bonds 20,000 00 

Easton and Amboy Railroad bonds . . . 25,000 00 
Huntingdon and Broad Top Railroad bonds . 10,000 00 
Lehigh Valley Railroad bonds . . . . 35,000 00 

Junction railroad bonds 10,000 00 

Elmira and Williamsport Railroad bonds . . 10,000 00 
Pennsylvania Railroad bonds .... 25,000 00 
Steuben ville and Indiana Railroad bonds . . 11,000 00 
Lehigh Coal and Navigation Company bonds . 18,300 00 
100 shares Commercial National Bank . . 5,000 00 
16 shares Continental Hotel Company . . 1,600 00 



Market value. 

$112,475 00 

7,980 00 

61,000 00 

5,250 00 

1,100 00 

17,850 00 

3,750 00 

26,000 00 

10,550 00 

11,025 00 

23,200 00 

26,250 00 

11,750 00 

42,350 00 

10,400 00 

10,000 00 

23,750 00 

11,440 00 

20,094 00 

6,500 00 

1,616 00 



$407,400 00 $447,330 00 



Securities held as collateral for cash loans : — 



Lehigh Valley Railroad bonds . 

56 shares Pennsylvania Railroad 

500 shares Philadelphia and Erie Railroad 

Louisiana and Missouri River Railroad bonds 

1,900 shares Pennsylvania Railroad . 

100 " 13th and 15th Streets Railroad 
1,000 " Germantown Railroad . 

200 " Chicago and North-western R.R. 
50 " Morris and Essex Railroad 

250 " Union Pacific Railroad . 

400 " N. Y. Central and Hudson R. R. 
Hannibal and St. Joseph Railroad bonds . 
200 shares Chicago and North-western R.R. 
100 " Missouri and Pacific Railroad . 
200 " Union Pacific Railroad 



Market value. 

. $1,220 00 
. 3,472 00 
. 10,750 00 
. 12,000 00 
117,800 00 7 
. 6,500 00 > 
. 60,000 00 
. 27,300 00 ) 
. 6,050 00 i 
. 29,250 00 
R. 52,400 00 
. 66,600 00 
. 25,200 00 ) 
. 10,000 00 I 
. 23,400 00) 



Loaned thereon. 

$1,000 00 
1,800 00 
5,500 00 

10,000 00 

105,000 00 
20,000 00 

25,000 00 

25,000 00 
45,000 00 
60,000 00 

50,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



213 



Milwaukee and St. Paul Railroad bonds . 
Chicago, St. Paul, and Dacota R.R. bonds 
Chicago, Burlington, and Quincy R.R. bonds 
500 shares Chicago and North-western R.R. 
100 shares Western Union .... 
Milwaukee and St. Paul Railroad bonds . 



Market value. 

$17,680 00 
. 60,000 00 
. 27,720 00 
. 70,000 00 
. 7,900 00 > 
. 25,750 00 J 



Loaned thereon. 

$10,000 00 
50,000 00 
25,000 00 
50,000 00 

25,000 00 



$660,992 00 $508,300 00 



Summary of Assets, Dec. 31, 1881. 

$679,650 00 

1,328,323 34 

28,280 56 

447,330 00 



Cash value of unencumbered real estate 
Loans on mort. 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 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Re-insurance deposit premiums . 

Gross assets .... 

Deduct special deposits in other states 

Balance .... 

Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
Surveys 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



508,300 00 

2,392 29 

116,264 56 

5,388 66 

47,443 61 

356 25 



$3,163,729 27 
56,237 50 

$3,107,491 77 



$14,609 12 

26,860 09 

438,353 86 

1,378,854 66 

2,616 00 

2,681 00 

^1,863,974 73 

7,514 48 



$1,856,460. 25 



. $1,251,031 52 
. 400,000 00 



Surplus over capital 



$851,031 52 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

"Net cash received for fire premiums . 



$586,566 05 
50,358 96 



$536,207 09 



* Total value of property mortgaged 
Amount of insurance held as collateral . 



$3,106,845 00 
1,531,121 95 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages .... 

Interest and dividends received from all other sources 
Income from rents ........ 

Income from commissions, transfers, etc. .... 

Deposits received for perpetual fire risks . $28,645 89 

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 incidentals .... 
for repairs on real estate . 
Deposits returned on perpetual fire risks . 815,521 70 

Gross cash expenditures 

Risks and Premiums. 



$96,124 59 

22,845 26 

31,913 53 

5,715 13 

$692,805 60 

$310,432 41 
125,888 00 
72,595 93 
72,614 12 
54,546 64 
76,892 69 
11,045 09 

§724,014 88 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 

Total .... 
Deduct risks expired and terminated 



In force at end of year 
Perpetual risks in force 



Premiums. 

$137,867,543 00 $2,413,603 46 
57,468,415 00 618,394 81 



$195,335,958 00 $3,031,998 27 
56,802,146 00 646.357 11 



$138,533,812 
59,332,178 

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 (32 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



00 $2,385,641 16 
27 1,480,482 09 



$21,837,361 89 

12,092,475 04 

4,088,000 00 

128,000 00 

310,148 77 

49,900 00 



GERMAN AMERICAN INSURANCE COMPANY, NEW YORK, 

N.Y. 

[Incorporated March 7, 1872. Commenced business March 7, 1S72.] 

Paid-up Capital, §1,000,000. 

Emil Oelbermann, President. James. A. Silvey, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $2,050,000 00 $2,375,015 00 

Rhode Island state bonds .... 50,000 00 57,000 00 

Missouri state bonds 50,000 00 57,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



215 



Par value. 

Kochester city bonds ..... $40,000 00 

Buffalo city bonds 25,000 00 

Yonkers city bonds 21,000 00 

New York Central Railroad bonds . . . 50,000 00 

Chicago, Rock Island, and Pacific R.R. bonds . 50,000 00 

Chicago, Mil., and St. Paul Railroad bonds . 30,000 00 

Central Pacific Railroad bonds .... 40,000 00 

Union Pacific Railroad bonds .... 40,000 00 

Kansas Pacific Railroad bonds .... 75,000 00 

Erie Railroad bonds 50,000 00 

Syracuse, Bing., and New York Railroad bonds, 30,000 00 
Louisville and Nashville Railroad bonds . . 25,000 00 

New York and Harlem Railroad stock . . 50,000 00 

New York Central Railroad stock . . . 50,000 00 



Market value. 

$52,000 00 
32,500 00 
27,300 00 
51,000 00 
63,000 00 
35,700 00 
45,200 00 
45,600 00 
80,250 00 
64,750 00 
36,300 00 
25,375 00 

100,000 00 
65,500 00 



$2,726,000 00 $3,213,990 00 



Summary of Assets, Dec. 31, 1881. 



Stocks, bonds, etc., as per schedule . 

Cash in the office of the company 

Cash deposited in various banks 

Interest due and accrued .... 

Premiums in co.urse of collection (gross) . 

Prem's more than three months due, $810 44 

Gross assets 

Deduct special deposits in other states 



$3,213,990 00 

4,346 90 

129,786 99 

800 00 

104,824 30 



$3,453,748 19 
99,575 00 

$3,354,173 19 



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 . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders . 
Paid-up capital 



$63,440 69 

35,537 29 

' 12,109 59 

$111,087 57 
1,277 40 

$109,810 17 

904,235 45 

24,462 49 

1,038,508 11 
11,740 31 



$1,026,767 80 



. $2,327,405 39 
. 1,000,000 00 



Surplus over capital 



. $1,327,405 39. 



216 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $1,633,894 

Deduct re-insurance and return premiums . 269,946 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... $699,530 
Deduct salvage and re-insurance . . 46,671 

Net cash paid for fire losses . . . 

Cash dividends paid 

paid for commissions and brokerage . 

for salaries of officers and employe's . 

for state and local taxes 

for incidentals 

Gross cash expenditures .... 
Risks and Premiums. 



29 
21 



$1,363,948 08 
126,615 81 

SI, 490,563 89 



67 
91 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated, 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$166,263,819 
189,411,532 



$652,858 76 
120,000 00 
186,444 88 
107,588 27 
32,360 79 
117,496 15 

1,216,748 85 



Premiums. 

00 $1,497,249 06 
00 1,640,880 39 



$355,675,351 
145,197,832 



00 $3,138,129 45 
00 1,341,405 82 



$210,477,519 
6,632,792 



00 $1,796,723 63 
00 74,045 13 



$203,844,727 00 $1,722,678 50 

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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$10,260,090 67 
4,340,269 09 
860,000 00 
120,000 00 
673,018 87 
312,400 00 



GERMANIA FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March, 1859. Commenced business March, 1859.] 

Paid-up Capital, $1,000,000. 

Rudolph Garrigue, President. Hugo Schumann, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $1,375,000 00 $1,622,843 75 

Chicago, Burlington, and Quincy R.R. bonds . 85,000 00 91,375 00 
New York and Erie Railroad bonds . . . 30,000 00 31,800 00 



1881.] 



INS. COS. OF OTHER STATES. 



217 



Par value. 

Mich. Southern and Northern Ind. R.R. bonds $55,000 00 
St. Paul, Minn., and Manitoba Railroad bonds . 20,000 00 
New York Central Railroad bonds . . .60,000 00 
50 shares National Park Bank .... 5,000 00 



Market value. 

$59,125 00 

22,375 00 

61,950 00 

8,000 00 



$1,630,000 00 $1,897,468 75 



Securities held as collateral for cash loans : 



55 shares First National Bank, Jersey City 
Galena and Chicago Railroad bonds . 
Lake Shore and Michigan Southern R.R. bonds 
Chicago, Burlington, and Quincy R.R. bonds 
New York and Erie Railroad bonds . 

Erie Railroad bonds 

Jersey City bonds 

Cincinnati city bonds .... 



Market value, 

$7,150 00 
10,250 00 ) 
5,362 50 > 
1,075 00 
10,600 00 ) 
7,785 00 i 
2,220 00 ) 
7,630 00 f 



Loaned thereon. 

$5,200 00 

10,000 00 

1,000 00 

15,000 00 

9,000 00 



$52,072 50 $40,200 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $32,346 23 
Loans on mortgage of real estate (first liens*), 294,600 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 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Mississippi deposits .... 
Gross assets .... 
Deduct special deposits in other states 

Balance .... 

Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



7,585 33 

1,897,468 75 

40,200 00 

13,591 92 

81,134 67 

4,667 67 

91,966 81 

7,500 00 



$2,471,061 38 
106,887 50 

$2,364,173 88 



$14,812 53 
33,419 03 
24,351 39 

575,109 33 

$647,692 28 
37,505 80 



$610,186 48 

. $1,753,987 40 
. 1,000,000 00 



$753,987 40 



* Value of lands mortgaged $223,300 00 

Value of buildings thereon . . . . 307,700 00 

Amount of insurance held as collateral . . . 277,825 00 

28 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $1,038,970 63 

Deduct re-insurance and return premiums . 75,151 41 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Gross cash income 



$963,819 22 
27,855 34 
77,279 11 



. $1,068,953 67 



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 incidentals .... 

Gross cash expenditures 



$478,879 59 
2,818 16 



$476,061 43 

100,000 00 

183,512 24 

68,636 85 

34,161 28 

128,781 80 

$991,153 60 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$96,062,901 00 $884,984 87 
114,390,090 00 1,039,207 87 



Total 

Deduct risks expired and terminated, 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$210,452,991 00 $1,924,192 74 
97,596,200 00 810,039 93 



$112,856,791 00 $1,114,152 81 
1,049,535 00 10,046 59 



$111,807,256 00 $1,104,106 22 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$13,105,218 98 
6,019,212 88 
1,301,000 00 
100,000 00 
486,701 40 
132,750 00 



1881.] 



INS. COS. OF OTHER- STATES. 



219 



GIRARD FIRE AND MARINE INSURANCE COMPANY, 
PHILADELPHIA, PENN. 

[Incorporated March, 1853. Commenced business May, 1853.] 
Paid-up Capital, 3300,000. 



Alfred S. Gillett, President. 



J. B. Allen, Acting Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
Philadelphia city bonds 
Louisville city bonds . 
St. Louis city and county bonds 
American Steamship Company bonds 
Union Pacific Railroad bonds 
Connecting Railroad bonds . • 
Pennsylvania Railroad bonds 
Camden and Amboy Railroad bonds 
Philadelphia and Erie Railroad bonds 
Philadelphia and Reading Railroad bonds 
Philadelphia and Reading Railroad scrip 
Lehigh Navigation Company bonds . 
Susquehanna Coal Company bonds . 
Lancaster and Reading Railroad bonds 
North Pennsylvania Railroad bonds . 
45 shares Philadelphia and Darby R.R. 
Iowa township bonds 



Par value. 

$150,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

17,000 00 

10,000 00 

5,000 00 

1,750 00 

11,000 00 

3,000 00 

10,000 00 

5,000 00 

2,250 00 

6,000 00 



Market value. 

$166,390 00 

12,900 00 

12,000 00 

11,200 00 

5,350 00 

5,850 00 

11,600 00 

12,500 00 

18,810 00 

11,700 00 

3,500 00 

1,400 00 

12,760 00 

3,360 00 

11,500 00 

6,150 00 

1,513 00 

6,000 00 



$281,000 00 $314,483 00 



Securities held as collateral for cash loans: — 

10 shares Pennsylvania Railroad 
People's Passenger Railroad Company bonds 
100 shares M. and M. Schraeder Company 
Personal loan, secured .... 



Market value. Loaned thereon. 



$600 00 

6,000 00 

17,500 00 



$500 00 

5,000 00 

10,000 00 

1,500 00 

$17,000 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $290,000 00 
Loans on mortgage of real estate (first liens *), 406,283 32 
Interest due or accrued thereon . . . 7,446 05 

Stocks, bonds, etc., as per schedule . . 314,483 00 
Loans on collateral security, as per schedule, 17,000 00 



* Total value of property mortgaged 
Amount of insurance held as collateral 



$1,217,118 00 
277,575 00 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company 

Cash deposited in Philadelphia Nat. Bank 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Perpetual insurance deposit 

Gross assets .... 



$1,871 86 

52,226 33 

1,275 42 

37,861 14 

2,328 52 

1,710 00 



$1,132,485 64 



Liabilities 

Losses claimed and reported 
Unearned premiums on outstanding risks 
Reclaiinable on perpetual fire policies 
Due and accrued for rent, salaries, etc. 
State and local taxes . 
Commissions and brokerage 
Return premiums 
Re-insurance .... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$19,234 02 

222,139 35 

107,194 60 

1,826 80 

441 69 

7,581 15 

1,842 51 

246 21 



$360,506 33 

$771,979 31 
300,000 00 

$471,979 31 



Income. 

Cash received for fire premiums . . $358,023 76 

Deduct re-insurance and return premiums . 28,519 59 

Net cash received for fire premiums . . $329,504 17 

Interest received on bonds and mortgages .... 25,029 38 
Interest and dividends received from all other sources . 15,697 67 

Income from rents 18,218 34 

Deposits received for perpetual fire risks . . $5,900 60 

Gross cash income $388,449 56 



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 incidentals .... 

Deposits returned on perpetual fire risks . 

Gross cash expenditures 



$134,481 60 
5,261 84 



$2,693 60 



$129,219 76 
60,000 00 
59,620 37 
33,996 84 
17,531 62 
28,524 28 

$328,892 87 



1881.] 



INS. COS. OF OTHER STATES. 



221 



Risks and Premiums. 



Fire risks -outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Perpetual risks in force 



$43,707,390 00 
39,711,215 00 

$83,418,605 00 
35,203,718 00 

$48,214,887 00 
868,454 00 

$47,346,433 00 
4,235,258 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 (20 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



Premiums. 

$494,254 19 
360,196 46 

$854,450 65 
299,052 14 

$555,398 51 
9,184 04 

$546,214 47 
119,105 11 



$5,388,009 63 

2,371,619 27 

762,196 00 

'60,000 00 

135,521 76 

100,700 00 



GLENS FALLS INSURANCE COMPANY, GLENS FALLS, N.Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 
Paid-up Capital, $200,000. 
R. M. Little, President. J. L. Cunningham, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $530,000 00 $601,075 00 

First National Bank stock .... 10,000 00 15,000 00 



$540,000 00 $616,075 00 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

$133,550 00 $125,000 00 



United States bonds 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $13,450 00 

Loans on mortgage of real estate (first liens*), 267,636 75 

Interest due or accrued thereon . . . 1,440 47 

Stocks, bonds, etc., as per schedule . . 616,075 00 

Loans on collateral security, as per schedule, 125,000 00 



* Value of lands mortgaged . 
Value of buildings thereon . 
Amount of insurance held as collateral 



$353,858 00 
288,642 00 
200,750 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company . . $1,091 65 

Cash deposited in various banks . . 69,089 41 

Premiums in course of collection (gross) . 19,735 27 

Prem's more than three montjis due, $1,895 25 

Gross assets * 

Liabilities. 

Losses adjusted unpaid .... $10,048 01 

claimed and reported . . . 8,372 00 

disputed or resisted . . . 2,300 00 

Unearned premiums on outstanding risks . 291,796 85 

Commissions and brokerage . . . 3,244 57 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 

Surplus over capital 

Income. 

Cash received for fire premiums . . $348,146 22 

Deduct re-insurance and return premiums . 27,279 93 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 



Gross cash income 

Expenditures. 
Cash paid for fire losses .... $187,926 54 
Deduct salvage and re-insurance . . 2,310 69 

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 incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



$1,113,518 55 



315,761 43 

$797,757 12 
200,000 00 

$597,757 12 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Xet amount in force . 



$57,989,195 00 
38,234,390 00 

$96,223,585 00 
34,017,470 00 

■■'i ■ ■ ■ ■ 

$62,206,115 00 
455,506 00 



$320,866 29 

17,335 62 

25,476 61 

257 00 

$363,935 52 



$1S5,615 85 
20,000 00 
57,446 84 
19,425 07 
7.463 95 
19,328 34 

$309,280 05 

Premiums. 

$530,444 97 
352,650 52 

1863,006 49 

314,778 61 

$56S,316 S8 
4.050 79 



$61,750,609 00 $564,266 09 



* Including $200,000 special reserve fund held under New York law. 



1881.] 



INS. COS. OF OTHER STATES. 



223 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,547,028 21 

2,573,880 82 

290,000 00 

20,000 00 

175,415 28 

62,840 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. William T. Lockwood, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds ..... 
W. I. and Panama Telegraph Co. stock 
Sandy Hook and City Island Tel. Co. stock, 



Par value. 

$590,000 00 

10,000 00 

1,000 00 



Market value. 

$718,250 00 

2,000 00 

800 00 



$601,000 00 $721,050 00 



Summary of Assets Dec. 31, 1881. 



Cash value of unencumbered real estate 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in bank 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
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 due or accrued on scrip 
Dividends to stockholders unpaid 
Due for borrowed money . 



$32,500 00 

721,050 00 

313 95 

34,219 31 

62,600 57 

88,840 09 



$10,172 58 
19,000 00 
41,500 00 

$70,672 58 
12,217 69 



1,454 89 

79,770 00 

2,730 00 

5,944 83 

1,599 40 

100,000 00 



$939,523 92 



224 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Re-insurance due .... 

Accounts due 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



Income. 



i,226 61 
265 70 



Cash received for marine and inland prem's, $781,516 00 
Deduct re-insurance and return premiums, 185,192 40 

Net cash rec'd for marine and inland prem's, 

Interest and dividends received from all sources 

Gross cash income 



$254,991 43 

$684,532 49 
662,080 00 

$22,452 49 



$596,323 60 
28,587 86 

£624,911 46 



Expenditures. 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

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 



$694,558 75 
170,433 43 



$524,125 32 

26,446 40 

51,112 19 

35,605 79 

8,204 26 

$645,493 96 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



Net amount in force 



$11,441,069 00 
68,038,758 00 

$79,479,827 00 
71,397,450 00 

$8,082,377 00 
758,050 00 



Premiums. 

$116,768 00 
748,854 96 

$865,622 96 
777,596 96 

$88,026 00 
8,256 00 



$7,324,327 00 $79,770 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 (4 per cent) 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$37,251,836 00 

25,863,933 38 

2,895,568 00 

26,483 20 

610,342 06 

210,560 00 



1881.] INS. COS. OF OTHER STATES. 225 

THE GREENWICH INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 

Paid-up Capital, $200,000. 

Samuel C. Harriot, President. Mason A. Stone, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $255,000 00 $297,843 75 

District of Columbia bonds . . . 125,000 00 136,250 00 

Harlem and Port Chester R.R. bonds . 10,000 00 12,600 00 

National Broadway Bank stock . . . 10,000 00 25,000 00 

$400,000 00 $471,693 75 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

100 shares Broadway Railroad .... $1,500 ^0 
29 shares Williamsburg City Fire Ins. Co. . 2,900 00 

Chicago and Alton Railroad bond . . . 2,440 00 1,800 00 

200 shares Central Gas-Light Company (N.Y.) . 7,000 00^ 
89 shares Williamsburg Gas-Light Co. (N.Y.) . 3,262 50 C 5,000 00 
People's Gas-Light Company certificates . . 2,000 00 ) 
Milwaukee and St. Paul Railroad bonds . . 1,190 00 900 00 

Burlington, C. R., and Northern R.R. bonds . 1,990 00 1,500 00 

100 shares Delaware and Hudson Canal Co. . 10,887 50 ) 
100 " Canada Southern Railroad . . 5,250 00 C 15,000 00 

10 " Chicago, Burl., and Quincy R.R. . 1,365 00) 

United States bonds 3,423 75 3,000 00 

200 shares Chicago, Burl., and Quincy R.R. . 27,300 00 \ 

300 " Denver and Rio Grande Railroad . 21,600 00 C 60,000 00 

700 " Northern Pacific Railroad . . .25,550 00) 



$3,000 00 



$117,658 75 $90,200 00 

Summary of Assets, Dec. 31, 1881. 

Cash value of unencumbered real estate . $127,500 00 

Loans on mortgage of real estate (first liens), 38,176 00 

Interest due or accrued thereon . . . 668 28 

Stocks, bonds, etc , as per schedule . . 471,693 75 

Loans on collateral security, as per schedule, 90,200 00 

Cash in the office of the company . . 5,052 33 

Cash deposited in National Broadway Bank, 27,897 76 

Interest due and accrued .... 294 00 

Premiums in course of collection (gross) . 40,806 15 

Notes taken for marine and inland risks . 1,437 00 

Rents due and accrued .... 1,356 33 
Prem's more than 3 months due, $5,197 59 

Gross assets $805,081 60 

29 



226 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 ..... 



Surplus over capital 



$22,066 73 

12,232 00 

15,993 00 

205,394 92 

1,000 00 

10,000 00 

100 00 



$266,786 65 

$538,294 95 
200,000 00 

$338,294 95 



Income. 

Cash received for fire premiums . . . $300,042 35 
Deduct re-insurance and return premiums . 8,565 80 

Net cash received for fire premiums . . 

Cash received for marine and inl'd prem's, $70,147 82 
Deduct re-insurance and return premiums . 8,512 49 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents ....... 

Profits on real estate sold, etc 

Gross cash income 



$291,476 55 



61,635 33 
2,545 56 

20,899 76 
8,896 69 
4,509 25 

$389,963 14 



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 ..... 
Cash paid for commissions and brokerage . 

for salaries of officers and employe's 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$96,203 59 




7 28 






$96,196 31 




$84,516 45 




3,213 07 






81,303 38 
60,000 00 






78,168 55 




33,934 88 




5.826 46 




12,350 01 


» 


$367,779 59 



1881.] 



INS. COS. OF OTHER STATES. 



227 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



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 (30 per cent) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



. $61,127,270 00 
. 77,434,835 00 


$138,562,105 00 
. 54,857,826 00 


. $83,704,279 00 
464,239 00 


. $83,240,040 00 

. $1,415,533 00 
. 42,213,124 00 


. $43,628,657 00 
. 41,692,687 00 


. $1,935,970 00 
68,500 00 


. $1,867,470 00 



Premiums. 

$254,914 56 
312,957 25 

$567,871 81 
217,494 42 

$350,377 39 
2,385 45 

$347,991 94 

$25,976 01 
74,311 72 

$100,287 73 
69,289 30 

$30,998 43 
1,081 50 

$29,916 93 



$,881,568 21 

1,691,319 88 

1,698,000 00 

60,000 00 

108,430 15 

38,400 82 

79,850 00 



GUARDIAN FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated February, 1865. Commenced business February, 1865.] 

Paid-up Capital, $200,000. 

William C. Thompson, President. Walter K Paye, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value- 

District of Columbia bonds . . . $200,000 00 $218,000 00 
Harlem River and Port Chester R.R. bonds, 15,000 00 18,750 00 



$215,000 00 $236,750 00 



Securities held as collateral for cash loans: — 



Market value. Loaned thereon. 



20 shares Harlem Gas Company . . . $700 00 > a^oo 00 



New York Bowery Insurance Company stock . 400 00 
United States bonds 580 00 



100 00 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Market value. 

New York, Lake Erie, and Western R.R. bond . $500 00 
50 shares Western Union Telegraph Company . 3,950 00 
St. Louis, Kansas City, and Northern R.R. b'ds, 2,250 00 



Loaned thereon. 

$300 00 
5,000 00 



$8,380 00 $6,000 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), . $7,500 00 
Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule . 
Loans on collateral security, as per schedule, 
Cash in the office and deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Gross assets .... 

Liabilities 

Losses claimed and reported 

Losses 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 



75 00 


236,750 00 


6,000 00 


2,990 56 


43 50 


6,561 59 


jiio^n qoo fi5 


$1,600 00 


1,000 00 


36,116 14 


500 00 


700 00 

30 Qlfi "M 



Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

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 . 



$220,004 51 
200,000 00 

820,004 51 



$86,440 37 
12,363 58 



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 incidentals .... 

Gross cash expenditures 



$74,076 79 

1,513 62 

8,322 41 

629 40 

$84,542 22 



$48,626 18 

12,000 00 

16,405 56 

13,954 39 

953 45 

7,441 76 

$99,381 34 



Value of lands mortgaged . 
Value of buildings thereon . 
Amount of insurance held as collateral 



$10,000 00 
15,000 00 
12,000 00. 



1881.] 



INS. COS. OF OTHER STATES. 



229 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total ._ . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$10,065,545 00 
10,970,000 00 



$21,035,545 00 
10,524,129 00 

$10,511,416 00 
520,200 00 



$9,991,216 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors . ... 



rreminms. 

$75,511 62 
84,237 92 

$159,779 54 
83,451 95 

$76,327 59 
4,019 48 

$72,308 11 



,335,124 00 

823,800 00 

210,000 00 

12,000 00 

45,526 18 

82,000 00 



HANOVER FIRE INSURANCE COMPANY, NEW YORK, NY. 

[Incorporated April, 1852. Commenced business April, 1852.] , 
Paid-up Capital, $1,000,000. 
Benjamin S. Walcott, President. I. R. Lane, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $1,325,000 00 $1,545,967 50 

Connecticut state bonds .... 20,00000 21,30000 

Missouri state bonds 27,000 00 29,730 00 

Brooklyn city bonds 50,000 00 63,000 00 

New York Central Railroad bonds . . 30,000 00 30,600 00 

New York and Harlem Railroad bonds . 25,000 00 32,500 00 

Erie Railroad bonds 50,000 00 64,875 00 

Union Pacific Railroad bonds . . . 75,000 00 89,875 00 

Cairo and Fulton Railroad bonds . . 25,000 00 27,750 00 

Pacific Railroad of Missouri . . . 25,000 00 25,625 00 

New York Elevated Railroad bonds . . 20,000 00 23,700 00 

Kansas Pacific Railroad bonds . . . 50,000 00 51,500 00 

Richmond and Alleghany Railroad bonds . 25,000 00 26,062 50 

Flint and P&re Marquette Railroad bonds . 30,000 00 34,500 00 

Chicago, Milwaukee, and St. Paul R.R. b'ds, 25,000 00 23,250 00 

Chicago, Burlington, and Quincy R R. b'ds, 25,000 00 21,750 00 

Norfolk and Western Railroad bonds . 5,000 00 5,125 00 

100 shares Rensselaer and Saratoga R.R. . 10,000 00 14,000 00 

75 " Metropolitan National Bank . 7,500 00 12,450 00 

150 " American Exchange Nat'l Bank, 15,000 00 18,000 00 

100 " Central Trust Company . . 10,000 00 21,000 00 



,874,500 00 $2,182,560 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans: — 

25 shares Hanover National Bank 

United States bonds 

5 shares National Park Bank (N.Y ) 
25 " Phenix National Bank 

245 " American Coal Company . 
14 " Chicago, R.I., and Pacific Railroad . 
10 " Star Fire Insurance Company . 

6 " Standard Fire Insurance Company . 
Brooklyn city bonds ...... 

12 shares National Bank of Republic (N.Y.) 
Brooklyn city bonds ...... 

100 shares American Coal Company . 

Lake Erie, Wabash, and St. Louis R.R. bonds , 



Market value. 


Loaned thereon. 


$3,325 00 


$1,500 00 


. 1,186 25 


1,000 00 


800 00^ 




500 00 C 


2,175 00 


3,675 00) 




. 1,841 00 j 




900 00 ^ 
366 00) 


2,500 00 




. 2,800 00 


2,000 00 


. 1,680 00 


1,200 00 


. 1,400 00 > 
. 1,500 00 > 


2,000 00 




. 1,100 00 


300 00 


821,073 25 


$12,675 00 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $183,750 00 

1,359 58 

2,182,560 00 

12,675 00 

51,470 61 

19,496 99 

9,808 88 

104,020 23 



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 (net) 
Premiums more than 3 months due, $3,867 86 

Gross assets .... 

Deduct special deposits in other states 



Balance 



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 

Return premiums .... 

Gross liabilities, except capital . 



£,565,141 29 
116,900 00 



. $2,448,241 29 



$30,583 15 
35,454 03 
30,575 39 



$96,612 57 




625 


00 


$95 


,987 


57 


635 


,741 


16 




668 


00 



$732,396 73 



* Value of lands mortgaged $164,000 00 

Value of buildings thereon 219,000 00 

Amount of insurance held as collateral . . . 175,100 00 / 



1881.] 



INS. COS. OF OTHER STATES. 



231 



Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$41,065 08 



Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Received for increased capital . . . $500,000 00 



$691,331 65 

. $1,756,909 64 
. 1,000,000 00 



$1,083,982 25 
87,317 98 



$756,909 64 



$996,664 27 
10,046 01 
83,009 09 



Gross cash income 



. $1,089,719 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 incidentals .... 

Gross cash expenditures 



$548,427 42 
16,915 45 



$531,511 97 
75,000 00 

157,076 77 
49,627 40 
23,569 22 

140,661 28 



$977,446 64 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$97,269,624 00 $936,908 13 
117,534,644 00 1,084,762 17 



$214,804,268 00 $2,021,670 30 
94,578,166 00 802,079 13 



$120,226,102 00 $1,219,591 17 
1,727,637 00 11,203 86 



.18,498,465 00 $1,208,387 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$11,785,052 17 
6,073,845 18 
1,109,500 00 
75,000 00 
560,497 73 
219,650 00 



232 FIRE, MARINE, AND FIRE- MARINE [Dec. 31, 

HARTFORD FIRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated May 10, 1810. Commenced business August, 1810.] 

Paid-up Capital, 51,250,000. 

George L. Chase, President. C. B. Whiting, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Hartford National Bank, Hartford . 
Phoenix National Bank, Hartford 
Connecticut River Bank, Hartford 
American National Bank, Hartford . 
Charter Oak National Bank, Hartford 



Par value. 

851,100 00 
. 46,700 00 
. 5,000 00 
. 15,000 00 
. 20,000 00 



Farmers' and Mechanics' Nat'l Bank, Hartford, 18,200 00 
Mercantile National Bank, Hartford . . . 15,000 00 
First National Bank, Hartford .... 17,200 00 
.Etna National Bank, Hartford. . . . 31,500 09 
City National Bank, Hartford .... 20,800 00 
Conn. Trust and Safe Deposit Co., Hartford . 23,000 00 
American Exchange National Bank, New York, 20,000 00 
National Bank of Commerce, New York . . 10,000 00 
Importers' and Traders' Nat'l Bank, New York, 30,000 00 
Bank of America, New York .... 30,000 00 
Manhattan Company Bank, New York . . 10,000 00 
Merchants' National Bank, New York . . 16,700 00 
Union National Bank, New York . . . 8,000 00 
Bank of North America, New York . . . 7,000 00 
Metropolitan National Bank, New York . . 22,500 00 
Blackstone National Bank, Boston •. . . 10,600 00 
National Bank of Commerce, Boston . . 3,200 00 

Second National Bank, Boston .... 10,900 00 
Hide and Leather National Bank, Boston . . 2,400 00 
Atlantic National Bank, Boston . . . 3,900 00 

First National Bank, Boston .... 10,000 00 
Boylston National Bank, Boston . . . 12,500 00 
Merchants' Bank (in liquidation), St. Louis . 10,000 00 
Union National Bank, Albany .... 6,200 00 
First National Bank, Albany .... 3,300 00 

Montreal Bank, Montreal 30,000 00 

Ontario Bank, Bowmansville .... 13,000 00 
Connecticut River Company .... 12,000 00 
Connecticut River Railroad Company . . 2,000 00 
New York, New Haven, and Hartford R R. Co. 70,000 00 
Chicago, Rock Island, and Pacific R.R. Co. . 20,000 00 
Chicago and North-western Railroad Company . 20,000 00 
United States bonds 256,S00 00 



Market value. 

$86,359 00 

79,390 00 

5,800 00 

22,800 00 

28,400 00 

24,570 00 

19,500 00 

21,328 00 

41,580 00 

20,384 00 

24,150 00 

25,000 00 

15,200 00 

75,000 00 

47,400 00 

13.500 00 

21,710 00 

12,400 00 

7,350 00 

37,350 00 

12,084 00 

4.160 00 

16,568 00 

2,760 00 

5,928 00 

21,000 00 

15,875 00 

2,500 00 

7.440 00 

5,115 00 

59,850 00 

S.125 00 

3,000 00 

3,400 00 

122,500 00 

26,400 00 

27.400 00 

286,368 00 



1881.] 



Tennessee state bonds 

Alabama state bonds . 

South Carolina consols 

Toledo (O.) Water Works bonds 

Watertown (N.Y ) town bonds . 

Harlem River and Port Chester R.R. bonds 

New Brunswick (NJ.) city bonds 

Pawtucket (R.I.) town bonds . 

Dubuque (Iowa) city bonds 

Des Moines (Iowa) city bonds . 

Chicago and Western Indiana Railroad bonds 



STATES. 


233 


Par value. 


Market value. 


$33,000 00 


$23,925 00 


. 10,000 00 


8,200 00 


. 14,605 00 


15,627 35 


. 5,000 00 


6,000 CO 


. 3,500 00 


3,675 00 


. 50,000 00 


62,500 00 


. 45,000 00 


48,150 00 


. 75,000 00 


93.750 00 


. 25,000 00 


26,250 0C 


. 50,000 00 


55,000 00 


3 . 50,000 00 


52,500 00 



,275,605 00 $1,655,221 35 



Securities held as collateral for cash loans : — 



Market value. 

$13,200 001 
. 13,200 00 
. 45,500 00 
. 9,200 00 
. 4,080 00 
. 13,200 00 



Loaned thereon. 



100 shares N.Y. Central and Hudson River R.R. 

100 " Chicago, R.I., and Pacific R.R. 

500 " Central Pacific Railroad . 

100 " N.Y., Lake Erie, and Western R.R 

Wabash Railroad bonds .... 

Texas Pacific and Rio Grande bonds . 

Wabash, St. Louis, and Pacific Railroad bonds . 59,800 00 

Texas and Pacific Land Grant bonds . . . 77,700 00 J 

50 shares Travellers' Insurance Company . . 11.500 00"] 

40 " Eagle Lock Company .... 4,000 00 j 

40 " Union Pacific Railroad . . . 4,460 00 [ 

Little Rock, Miss. River, and Texas R.R. bonds, 22,000 00 I 

Cincinnati city bonds 83,400 00 J 

500 shares N.Y., Lake Erie, and Western R.R. 20,500 00 \ 



y $205,437 50 



106,350 42 



250. 

33 

1,400 

200 

100 



N.Y. Cent, and Hudson River R.R. 33,000 00 y 50,000 00 



i£tna Insurance Company 
Del., Lacka , and Western R.R. 
Chicago, R.I , and Pacific R.R. 



N.Y. Cent, and Hudson River R R. 
Wabash Railroad bonds . 
100 shares N.Y. Cent, and Hudson River R.R. . 
Wabash, St. Louis, and Pacific R.R. bonds 
334 shares Citizens ''Railway Co. (St Louis) 



7,788 00) 
89,600 00 ) 
26,400 00 V- 
13,200 00 ) 
71,400 00 
13,200 00 I 
46,000 00 ) 
40,592 00 



100,000 00 

50,000 00 
45,000 00 

33.000 00 



$722,920 00 $589,787 92 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $651,175 60 
Loans on mortgage of real estate (first liens*), 749,800 00 
Interest due or accrued thereon . . . 15,472 25 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$825,500 00 
920,000 00 
656,000 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Stocks, bonds, etc., as per schedule 



,655,221 35 



Loans on collateral security, as per schedule, 589,787 92 



Cash in the office of the company 

Cash deposited in bank 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Non-resident tax due .... 

Gross assets . 

Deduct special deposits in other states 

Balance .... 

Liabilities 
Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



47G 17 

119,278 65 

5,631 71 

266,856 48 

6,108 90 

12,766 00 



-81,072,575 03 
250,850 00 

. $3,821,725 03 



$46,603 94 

79,820 14 

11,175 00 

1,327,112 18 

25,000 00 

11,489,711 26 

83,545 47 



- 1,406,165 79 

. 12,416,559 24 

. 1,250,000 00 



Surplus over capital 



. $1,165,559 24 



Income. 

Cash received for fire premiums . . $1,950,334 92 

Deduct re-insurance and return premiums . 157,680 73 

Net cash received for fire premiums . . $1,792,654 19 

Interest received on bonds and mortgages .... 55,918 77 

Interest and dividends received from all other sources . 107,979 06 

Income from rents ........ 22,194 84 

Gross cash income ....... $1,978,746 86 



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 incidentals . 

Gross cash expenditures 



$967,025 44 
10,991 04 



8956,034 40 

251,500 00 

259,252 20 

119,414 20 

40,932 04 

133,049 78 

$1,760,182 62 



1881.] 



INS. COS. OF OTHER STATES. 



235 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated, 

In force at end of year 

Deduct amount re-insured . . , . 

Net amount in force . 



$206,155,359 
183,179,814 



rremiums. 

00 $2,318,459 81 
00 1,950,334 92 



$389,335,173 
161,665,626 



00 $4,268,794 73 
00 1,684,769 61 



$227,669,547 
2,421,563 



00 $2,584,025 12 
00 34,615 29 



$225,247,984 00 $2,549,409 83 

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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$39,043,827 14 

24,677,329 82 

4,313,100 00 

250,000 00 

974,608 72 

201,900 00 



HOME INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 

Paid-up Capital, $3,000,000. 

Charles J. Martin, President. John H. Washburn, Secretary. 



Detailed Statement of Stocks, Bonds 

Par value. 

United States bonds .... 
Mississippi state bonds 
New York city bonds 
Brooklyn city bonds .... 
Delaware and Hudson Canal Co. bonds 
New York Central and H. R. R.R. stock 
Lake Shore and Mich. South. R.R. bonds 
Clev., Col., Cin., and Ind. Railroad bonds. 
100 shares Hanover National Bank, N.Y. 



200 " American Exch. Nat'l Bank, N.Y. 

80 " Fourth National Bank, N.Y. 

125 " St. Nicholas Nat'l Bank, N.Y. 

225 " Metropolitan Nat'l Bank, N.Y. 

200 " Mercantile National Bank, N.Y. 

300 " Merchants' Exch. Nat'l Bank, N.Y. 

160 " Chatham National Bank, N.Y. . 

200 " Nat'l Bank of the Republic, N.Y. 

100 " National Bank of Commerce, N.Y. 

150 " Nat'l Butch, and Drov. B'k, N.Y. 

200 " Bank of America, N.Y. . 

200 " Manhattan Company, N.Y. 



$4,000,000 

. 20,000 

. 35,000 

. 50,000 

100,000 

100,000 

. 50,000 

100,000 

. 10,000 

20,000 

8,000 

12,500 

22,500 

20,000 

15,000 

4,000 

20,000 

10,000 

3,750 

20,000 

10,000 



etc. 

Market value. 

00 $4,079,500 00 

00 20,000 00 

00 36,750 00 

00 65,000 00 

00 120,000 00 

00 131,750 00 

00 50,750 00 

00 126,000 00 

00 13,300 00 

00 24,000 00 

00 10,000 00 

00 14,500 00 

00 38,250 00 

00 23,800 00 

00 15,000 00 

00 5,000 00 

00 28,400 00 

00 15,000 00 

00 4,575 00 

00 30,800 00 

00 13,500 00 



$4,630,750 00 $4,865,875 00 



23,500 00 



236 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

10 shares St. Nicholas National Bank . . $1,1 GO 00 $400 00 
227 " Union Trust Company . . . 45,400 00 
10 " St. Nicholas National Bank . . 1,160 00 

United States bonds 4,112 50 3,100 00 

11 shares National Bank of Commerce . . 1,650 00 1,000 00 

St. Paul and Sioux City Railroad bonds . . 15,900 00 10,000 00 

48 shares Broadway Bank .... 2,700 00 2,000 00 

100 " N.Y. Central and Hud. Riv. R.R. . 13,175 00 7,000 00 

1,140 " Chatham National Bank . . 35,625 00 28,500 00 
130 " Manhattan Gas-Light Company .14,235 00) 

300 " Brooklyn City Railroad . . . 6,060 00 C 20,000 00 
125 " 42d-st. and Grand-st. Ferry R.R. . 25,000 00) 

315 " National Bank of the Republic . 44,730 00 38,000 00 

457 " Long Island Bank .... 22,850 00 20,000 00 

65 " American Exchange Bank . . 7,800 00 2,500 00 

100 " Metropolitan National Bank . . 17,000 00 10,000 00 
Ohio Central Railroad bonds .... 2,970 00 \ 

Peoria, Dec, and Evansville Railroad bonds . 10,700 00 y 12,000 00 
Troy and Boston Railroad bonds . . . 2,200 00) 

Ohio Central Railroad bonds .... 6,930 00 5,000 00 
100 shares N.Y. Central and Hud. Riv. R.R. . 13,175 00 \ 

20 " St. Nicholas Nat'l Bank . . . 2,320 00 £ 15,000 00 
Scotland (Mo.) county bonds .... 3,000 00 ) 

Pittsburg, Ft. Wayne, and Chicago R.R. bonds . 1,390 00 1,000 00 

Lake Erie and Western Railroad bonds . . 12,770 00 ) , 9 ™q ™ 
Troy and Boston Railroad bonds . . . 3,300 00 ) 

Rochester and Pittsburgh Railroad bonds . . 11,940 00 > ,- qq^ ™ 
Lake Erie and Western Railroad bonds . . 6,420 00 > 

Houston and Texas Central Railroad bonds . 1,090 00 600 00 

34 shares Western Union Telegraph Company . 2,720 00 2,000 00 

Rochester and Pittsburgh Railroad bonds . . 995 00 250 00 

Jersey city bonds 1,030 00 900 00 

$341,507 50 $229,750 00 

Summary of Assets Dec. 31, 1S81. 

Cash value of unencumbered real estate . $47,399 68 

Loans on mortgage of real estate (first liens*), 1,555,858 00 

Interest due or accrued thereon . . . 35,649 62 

Stocks, bonds, etc., as per schedule . . 4,865,875 00 

Loans on collateral security as per schedule, 229,750 00 

Cash deposited in various banks . . 130,172 31 

Interest due and accrued .... 50,169 57 



* Value of lands mortgaged $1,969,700 00 

Value of buildings thereon 1,631,050 00 

Amount of insurance held as collateral 1,223,750 00 



1881.] 



INS. COS. OF OTHER STATES. 



237 



Premiums in course of collection (net) . $80,635 08 
Premiums more than 3 months due, $1,888.92 

Gross assets ..... 

Deduct special deposits in other states 



Balance 



$6,995,509 26 
189,500 00 



. $6,806,009 26 



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 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$52,010 05 

149,137 89 

47,782 17 

$248,930 11 
3,334 75 

$245,595 36 
1,943,733 00 

$2,189,328 36 
100,087 81 



2,089,240 55 

H,716,768 71 
3,000,000 00 

$1,716,768 71 



$2,648,119 48 
192,865 95 



Income. 
Cash received for fire premiums . 
Deduct re-insurance and return premiums 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Gross cash income 



!,455,253 53 
109,661 67 
150,887 31 



$2,715,802 51 



Expenditures. 
Cash paid for fire losses .... $1,330,24995 
Deduct salvage and re-insurance . . 18,352 35 

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 incidentals .... 

Gross cash expenditures 



$1,311,897 60 

300,000 00 

442,549 47 

246,127 07 

82,264 33 

212,787 86 

$2,595,626 33 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$354,781,772 00 $3,796,392 00 
262,892,493 00 2,611,004 07 



$617,674,265 00 $6,407,396 07 
261,168,457 00 2,601,887 07 



$350,505,808 00 $3,805,509 00 
1,849,042 00 26,228 00 



$354,656,766 00 $3,779,281 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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$53,386,804 88 

32,594,193 34 

5,515,000 00 

300,000 00 

1,290,006 80 

396,800 00 



HOWARD INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March 9, 1825. Commenced business April 19, 1825.] 

Pald-up Capital, §500,000. 

Henry A. Oakley, President. Charles A. Hull, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds $430,000 00 

New York city and county bonds . . . 15,000 00 

Delaware and Hudson Canal Company bonds . 30,000 00 

United New Jersey R.R and Canal Co. bonds . 4,000 00 

Buffalo, B., and Pittsburg Railroad bonds . 11,000 00 

Lake Erie and Western Railroad bonds . . 3,000 00 

Kalamazoo and South Haven Railroad bonds . 6,000 00 

National Bank of Commerce (NY.) stock . . 2,800 00 

Metropolitan National Bank (N.Y.) stock . . 7,500 00 

American Exchange Nat'l Bank (N.Y r .) stock . 16,000 00 

Merchants' Exchange Nat'l Bank (N.Y.) stock. 650 00 

Bank of the Manhattan Company (N.Y.) stock . 1,500 00 

Phcenix National Bank (N.Y.) stock . . 2,800 00 

Manhattan Gas-Light Company stock . . 2,500 00 

New York Gas-Light Company stock . . 5,000 00 



Market value. 

$529,462 00 

16,500 00 

33,600 00 

4,800 00 

12,320 00 

3,300 00 

7,200 00 

4,200 00 

12.525 00 

20,000 00 

845 00 

2,100 00 

3,024 00 

5,500 00 

5,500 00 



$537,750 00 $660,876 00 



1881.] 



INS. COS. OF OTHER STATES, 



239 



Summary of Assets Dec 31, 1881. 
Cash value of unencumbered real estate . $125,000 00 
Loans on mortgage of real estate (first liens*), 21,700 00 
Interest due or accrued thereon . . . 228 00 

Stocks, bonds, etc., as per schedule . . 660,876 00 
Cash in the office of the company . . 5,160 12 

Cash deposited in Manhattan Company Bank, 2,671 42 
Interest due and accrued .... 2,774 17 

Premiums in course of collection (net) . 32,621 46 

Rents due and accrued .... 416 67 

Gross assets .... 

Liabilities 

Losses adjusted unpaid .... $18,418 42 
claimed and reported . . . 20,013 72 

disputed or resisted . . . 1,500 00 

Total amount of losses .... $39,932 14 

Less re-insurance ..... 449 86 

Net amount of unpaid losses . . . $39,482 28 

Unearned premiums on outstanding risks . 191,921 15 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital 

Income. 

Cash received for fire premiums . . . $369,987 71 
Deduct re-insurance and return premiums . 47,568 62 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 

Interest and dividends received from all other sources 
Income from rents ........ 

Income from all other sources ...... 

Gross cash income ....... 



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 



$170,390 71 
5,215 80 



$851,447 84 



231,403 43 

$620,044 41 
500,000 00 

$120,044 41 



$322,419 09 

1,959 91 

29,327 80 

3,787 50 

200 10 

$357,694 40 



$165,174 91 
50,000 00 
49,657 30 



* Value of lands mortgaged $40,000 00 

Value of buildings thereon 45,200 00 

Amount of insurance held as collateral . . . 14,500 00 



240 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash paid for salaries of officers and employes 
for state and local taxes 
for incidentals .... 



$33,776 00 
11,792 02 
34,670 88 



Gross cash expenditures 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



tflUMS. 

. $31,050,396 00 
. 42,124,887 00 


$345,071 11 

Premiums. 

$287,375 50 
378,147 17 


. $73,175,283 00 
. 35,660,208 00 


$665,522 67 
285,138 13 


. $37,515,075 00 
. 1,465,080 00 


$380,384 54 
14,161 38 



. $36,049,995 00 $366,223 16 



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) 
Fire losses incurred during the year .... 



$7,194,961 24 

4,719,322 81 

2,130,875 00 

50,000 00 

189,781 09 



PRESIDENT AND DIRECTORS OF THE INSURANCE COM- 
PANY OF NORTH AMERICA, PHILADELPHIA, PEXN. 

[Incorporated April 14, 1794. Commenced business December, 1792.] 

Paid-up Capital, $3,000,000. 

Charles Platt, President. Greville E. Tyler, Secretary. 



Detailed Statement of 



United States bonds . 
Baltimore city bonds . 
Pennsylvania state bonds 
New Jersey state bonds 
Connecticut state bonds 
Cincinnati city bonds 
Indianapolis city bonds 
Hartford city bonds . 
Rochester city bonds . 
Fall River city bonds 
Toledo city bonds 
Harrisburg city bonds 
Providence city bonds 
Newark city bonds 
Cleveland city bonds . 
Boston city bonds 



Stocks, Bonds, etc 

Par value. 

$765,000 00 
200,000 00 
509,000 00 
50,000 00 
52,000 00 
58,000 00 
30,000 00 
45,000 00 
25,000 00 
30,000 00 
21,000 00 
15,000 00 
25,000 00 
20,000 00 
36,000 00 
200,000 00 



Market value. 

$780,300 00 
220,000 00 
591,930 00 
60,000 00 
54,080 00 
75,400 00 
37,500 00 
56,250 00 
31,500 00 
31,500 00 
26,250 00 
17,550 00 
26,250 00 
23,400 00 
45,000 00 
250,000 00 



1881.] INS. COS. OF OTHER STATES. 241 



Par value. Market value. 

. $3,000 00 $2,850 00 



. 11,000 00 13,860 00 

. 12,000 00 13,200 00 

400,000 00 433,000 00 

. 25,000 00 29,500 00 



Williamsport city bonds . 
Dayton city bonds 
Burlington city bonds 
Pennsylvania Railroad bonds 
Delaware Railroad bonds . 

Chesapeake and Delaware Canal Co. bonds . 37,000 00 33,300 00 

North Pennsylvania Railroad bonds . . . 35,000 00 38,100 00 

Belvidere and Delaware Railroad bonds . . 50,000 00 57,500 00 

Philadelphia and Erie Railroad bonds . 150,000 00 156,000 00 

Belt Railroad and Stock Yard Company . . 50,000 00 52,500 00 

Delaware Division Canal Company bonds . . 15,000 00 15,750 00 

Lehigh Coal and Navigation Company bonds . 7,250 00 8,050 00 

Lehigh Valley Railroad bonds . . . 125,000 00 151,500 00 

Pennsylvania and N. Y. Canal Co. bonds . . 30,000 00 37,200 00 

Philadelphia and Reading R.R. bonds . 355,000 00 411,900 00 

Chicago and W. Indiana R.R. bonds . 150,000 00 165,000 00 

Little Schuylkill Nav. and R.R. and C. Co. bonds. 30,000 00 32,100 00 

Easton and Amboy Railroad bonds . . . 63,000 00 66,780 00 

Louisville and Nashville Railroad bonds . . 50,000 00 50,500 00 

Bergen county railroad bonds .... 50,000 00 55,000 00 

N. Y. and Pacific Car Trust bonds . . 127,000 00 127,000 00 

Car Trust of New York bonds . . . 100,000 00 100,000 00 

Phila., Wil., and Baltimore R.R. bonds . 339,000 00 328,020 00 

N. Y. and Long Branch R.R. bonds . . 100,000 00 100,000 00 

Delaware and Raritan Canal Company bonds . 11,000 00 12,650 00 

William Cramp & Sons' dry dock loan . . 25,000 00 25,000 00 

Steam-tug " North America " . . . .54,543 05 54,543 05 

100 shares Philadelphia National Bank . . 10,000 00 20,000 00 

228 " Chesapeake and Dela. Canal Co. . 11,400 00 684 00 
50 " Sandy Hook Quarantine and City 

Island Telegraph Company .... 1,000 00 1,000 00 

Mutual Insurance scrip 24,860 00 24,860 00 



$4,533,053 05 $4,944,257 05 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

13 shares Germania Fire Insurance Company . $2,080 00 $650 00 

9 " Penn. Co. for insurance on lives . 3,420 00 7 , .. nA ™ 

2 " Insurance Company State of Penn. . 500 00) 
25 " Guarantee Trust Company . . . 2,500 00 > * 4 r A aa 

Catawissa Railroad bonds 3,000 00 > 

328 shares Westmoreland Coal Company . . 21,320 00 15,000 00 

900 " Pennsylvania Railroad Company .54,000 00) 

900 " Northern Pacific Railroad . . . 30,600 00 C 100,000 00 

Hunt and Broad Top Railroad bond . . . 44,000 00 ) 

Phila., Wil., and Bait. Railroad certificate, 150,340 00 > ,k A 0Q0 AA 

New Jersey Car Trusts 6,000 00 > ' 

31 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



1,800 shares Pennsylvania Railroad Co. 
600 ' ' Lehigh Navigation Company . 
200 " Northern Pacific Railroad 
300 " Lehigh Valley Railroad . 

Phila., Wil., and Baltimore R.R. certificate, 

500 shares Pennsylvania Railroad Co. 

Pennsylvania Railroad bonds 



Summary of Assets Dec. 
Cash value of unencumbered real estate 
Loans on mort. 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 . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 

Gross assets .... 

Deduct special deposits in other states 



Market value. Loaned thereon. 

$108,400 00^ 

25,800 00 [■ $125,000 00 
14,000 00) 
18,300 00 
4,700 00 
27,500 00 
59,000 00 



16,000 00 
25,000 00 
48,000 00 



Balance 



Liabilities 
Losses adjusted unpaid 

claimed and reported 
mcKINSON disputed or resisted 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Re-insurance due .... 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



$575,460 00 $485,200 00 

31, 1881. 

$334,284 78 

1,761,066 67 

16,013 25 

4,944,257 05 

485,200 00 

686,510 09 

361,705 69 

229,767 85 

$8,818,805 38 

35,875 00 



$8,782,930 38 



$47,672 94 

336,815 00 

3,212 06 

1,541,220 88 

408,357 75 

22,048 67 

$2,359,327 30 

28,256 44 



2,331,070 86 

. $6,451,859 52 
. 3,000,000 00 



Surplus over capital 



Income. 

Cash received for fire premiums . . . $1,827,898 36 

Deduct re-insurance and return premiums . 160,319 31 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland prem's . $1,925,906 64 

Deduct re-insurance and return premiums . 312,679 84 

Net cash rec'd for marine and inl'd prem's, 



1,451,859 52 



$1,667,579 05 



1,613,226 80 



* Total value of property mortgaged 
Amount of insurance held as collateral 



$3,835,470 00 
1,294,691 00 



1881.] 



INS. COS. OF OTHER STATES. 



243 



Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Deposits received for perpetual fire risks . $36,854 77 
Received for increased capital and surplus, 1,681,118 00 



$79,687 84 
251,886 15 



Gross cash income 



. $3,612,379 84 



Expenditures. 

Cash paid for fire losses .... $933,657 55 
Deduct salvage and re-insurance . . 22,195 57 

Net cash paid for fire losses . . . 

Cash paid for marine and inland losses . $1,887,936 68 
Deduct salvage and re-insurance . . 398,732 07 

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 

for incidentals .... 

for interest on new capital and surplus 
Deposits returned on perpetual fire risks . $12,257 02 



$911,461 98 



Gross cash expenditures 



$1,489,204 61 
400,000 00 
432,294 47 
136,000 00 
194,225 48 
178,071 11 
18,040 61 

. $3,759,298 26 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Perpetual risks in force 

Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 



$187,841,690 00 
. 174,666,221 00 

$362,507,911 00 
. 150,464,783 00 

$212,043,128 00 
. 15,423,004 00 

. $42,022,974 00 
. 243,097,928 00 

$285,120,902 00 
. 257,111,854 00 



Premiums. 

^2,190,178 31 
1,827,898 36 

$4,018,076 67 
1,571,033 33 

$2,447,043 34 
429,850 26 

$446,648 64 
1,925,906 64 

$2,372,555 28 
2,105,152 80 



In force at end of year 



. $28,009,048 00 $267,402 48 



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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$59,167,170 80 

44,356,956 85 

6,653,731 78 

400,000 00 

950,000 00 

1,740,000 00 

218,780 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



THE INSURANCE COMPANY OF THE STATE OF PENN- 
SYLVANIA, PHILADELPHIA, PENN. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 

Paid-up Capital, $200,000. 

Henry D. Sherrerd, President. Jos. H. Hollinshead, Secretary. 

Detailed Statement of Stocks, 

20 shares Philadelphia Bank . 
5 " Susq. and York Turnpike Co. . 

10 " Easton and W. Turnpike Co. . 
284 " Lehigh Valley Railroad . 

20 " Philadelphia and So. Mail S.S. Co. 
Schuylkill Navigation Company bonds 
Chesapeake and Delaware Canal Co. bonds 
Lehigh Coal and Navigation Company bonds 
Philadelphia city bonds .... 
Harrisburg, P., Mt. J., and L. R.R. bonds 
Camden and Amboy Railroad and Delaware and 

Raritan Canal and T. Company bonds . 
North Pennsylvania Railroad bonds . 
West Jersey Railroad Company bonds 
American Steamship Company (Phila.) bonds 
Delaware Land Company bonds 

United States bonds 

Car Trust of New York bonds . 
Philadelphia and Reading Railroad certificate 
New York and Pacific Car Trust bonds 
Chicago and W. Indiana Railroad bonds . 
Pennsylvania Railroad Company bonds 
Mutual Insurance Company's scrip 



Securities held as collateral for cash loans : — 

300 shares Bethlehem Iron Company . 
Philadelphia, Wil., and Bait. R.R. certificate 

100 shares Pennsylvania Railroad . 

103 " Camden and Atlantic Railroad 

205 " Catawissa Railroad 
1,000 " North Pennsylvania Railroad . 
Secacus Iron Company bonds 
1,000 shares Lehigh Valley Railroad 
300 shares Mine Hill and S. Haven Railroad 
Personal note (on demand) 



l, Bonds, etc 




Par value. 


Market value. 


. $2,000 00 


$4,260 00 


500 00 


275 00 


250 00 


50 00 


. 14,200 00 


17,466 00 


. 2,500 00 


20 00 


. 3,000 00 


2,640 00 


. 5,000 00 


4,550 00 


. 10,000 00 


10,650 00 


. 30,000 00 


37,500 00 


. 15,000 00 


15,450 00 


IU. 

. 5,000 00 


5,675 00 


. 10,000 00 


10,700 00 


30,000 00 


30,000 00 


. 10,000 00 


10,600 00 


. 10,000 00 


12,000 00 


. 10,000 00 


11,450 00 


. 15,000 00 


15,000 00 


. 10,100 00 


10,100 00 


. 15,000 00 


15,000 00 


. 15,000 00 


16,500 00 


. 20,000 00 


18,800 00 


244 50 


244 50 


8232,794 50 


$248,930 50 


Market value. 


Loaned thereon. 


$25,500 00 


• $18,000 00 


. 38,000 00 


35,000 00 


. 6,150 00 > 
. 2,987 00 > 


8,000 00 




. 10,660 00 


10,000 00 


. 60,000 00 


40,000 00 


. 50,000 00 


25,000 00 


. 61,500 00 


50,000 00 


. 18,600 00 


12,450 00 


- 


12,000 00 


$273,397 00 


$210,450 00 



1881.] 



INS. COS. OF OTHER STATES. 



245 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $66,929 62 
Loans on mortgage of real estate (first liens*), 114,250 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 
Cash deposited in Bank of North America 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Rents due and accrued 
Re-insurance perpetual deposits . 
Prems. more than 3 months due, $1,579 02 
Gross assets .... 

Liabilities 

Losses adjusted unpaid 
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 



2,565 50 

248,930 50 

210,450 00 

638 47 

13,147 16 

2,712 50 

30,721 55 

14,305 18 

391 00 

1,600 00 



$56,234 00 

134,574 68 

78,722 41 

692 00 

4,783 93 

1,324 54 



$706,641 48 



276,331 56 

$430,309 92 
200,000 00 

$230,309 92 



Income. 

Cash received for fire premiums . . $203,359 03 

Deduct re-insurance and return premiums, 31,257 28 

Net cash received for fire premiums . . 

Cash received for marine and inland prems. $174,334 85 
Deduct re-insurance and return premiums . 51,360 49 

Net cash received for marine and inland prems. 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Income from all other sources 

Deposits received for perpetual fire risks . . $1,008 57 

Gross cash income ....... 



$172,101 75 



122,974 36 

6,536 00 

21,024 46 

2,682 34 

255 93 



$325,574 84 



* Value of lands mortgaged $91,300 00 

Value of buildings thereon 135,200 00 

Amount of insurance held as collateral . . . 90,100 00 



246 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 
Cash paid for fire losses .... $117,274 45 
Deduct salvage aud re-insurance . . 395 29 

Net cash paid for fire losses . . . 

Cash paid for marine and inland losses . $102,614 57 
Deduct salvage and re-insurance . . 17,344 62 

Net cash paid for marine and inland losses 

Cash dividends paid ...... 

Cash paid for commissions and brokerage . 

for salaries of officers and employe's . 

for state and local taxes 

incidentals ..... 

Deposits returned on perpetual fire risks . . $2,738 75 

Gross cash expenditures 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880. 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Perpetual risks in force 

Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$20,360,775 00 
21,396,905 00 



$41,757,680 00 
20,558,604 CO 



821,199,076 00 
520,192 00 



$20,678,884 00 
2,463,832 00 

$2,070,977 00 
18,931,048 00 



$21,002,025 00 
19,320,199 00 

$1,681,826 00 
121,919 00 



$116,879 16 

85,269 95 
21,712 00 
50,382 76 
12,800 00 
6,792 44 
18,703 71 

$312,540 02 



Premiums. 

$191,677 48 
200,173 38 

$391,850 86 
197,736 40 

$194,114 46 
• 5,050 89 

$189,063 57 
82,865 69 

$44,830 09 
182,816 69 

$227,646 78 
187,259 91 

S40,3S6 87 
2,974 20 



$1,559,907 00 $37,412 67 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$16,448,340 00 

13,77S,003 00 

4,036,406 00 

22,000 00 

139,481 00 

113,936 00 

26,000 00 



1881.] INS. COS. OF OTHER STATES. 247 

IRVING INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 30, 1872. Commenced business April 30, 1872.] 

Paid-up Capital, $200,000. 

Martin L. Crowell, President. Wm. A. Magarical, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $190,000 00 $210,275 00 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $32,000 00 

Interest due or accrued thereon . . . 160 00 

United States bonds . . . " . . 210,275 00 

Cash in the office of the company . . 3,666 63 

Cash deposited in Irving National Bank . 1,768 07 

Premiums in course of collection (gross) . 4,965 66 

Gross assets $252,835 36 

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. 

State and local taxes 

Commissions and brokerage 

Gross liabilities, except capital . 49,861 25 



$1,631 88 


5,970 00 


325 00 


40,271 84 


50 00 


633 33 


500 00 


479 20 



Surplus as regards policy-holders . . . $202,974 11 

Paid-up capital 200,000 00 

Surplus over capital $2,974 11 

Income. 

Cash received for fire premiums . . $89,639 19 
Deduct re-insurance and return premiums . 5,284 53 

Net cash received for fire premiums . . $84,354 66 

Interest received on bonds and mortgages .... 2,008 20 

Interest and dividends received from all other sources . 9,866 77 



Gross cash income $96,229 63 



* Value of lands mortgaged $48,500 00 

Value of buildings tbereon 44,000 00 

Amount of insurance held as collateral . . . 34,500 00 



248 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 ...... 

Cash paid for commissions and brokerage . 

for salaries of officers and employe's . 

for state and local taxes 

for incidentals 



$54,705 18 
662 53 



Gross cash expenditures 



$54,042 65 

19,950 00 

13,309 35 

8,590 00 

1,904 35 

7,943 29 

$105,739 64 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total . . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$7,237,770 00 
9,942,497 00 

$17,180,267 00 
9,216,532 00 

$7,963,735 00 
48,645 00 



Premiums. 

$71,318 79 
88,922 08 

$160,240 87 
79,991 97 

$80,248 90 
332 57 



$7,915,090 00 $79,916 33 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$869,386 20 

514,562 02 

171,000 00 

20,000 00 

60,309 89 

92,600 00 



JEFFERSON INSURANCE COMPANY IN THE CITY OF 

NEW YORK, N.Y. 

[Incorporated March 4, 1824. Commenced business March 31, 1824,] 

Paid-up Capital, $200,010. 

Samuel E. Belcher, President. "SVm. B. Flowery, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $330,000 00 $ 354,955 00 

100 shares New York and Harlem Railroad 5,000 00 10,250 00 



$335,000 00 $365,205 00 



1881.] 



INS. COS. OF OTHER STATES. 



249 



Securities held as collateral for cash loans : — 

25 shares New York Bowery Insurance Co. 
20 " New York Gas-Light Company . 
30 " N.Y. Firemen's Insurance Company 
68 " Tradesmen's National Bank 
United States bonds 

40 shares Delaware and Hudson Canal Co. 
100 " N.Y., Providence, and Boston R.R. 

20 " National Park Bank . 



Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens *), $126,575 00 



Market value. ] 


Loaned thereon. 


. $1,406 25 


$500 00 


. 2,240 00 I 
. 474 30 $ 


1,700 00 


. 2,774 40 


2,000 00 


. 17,625 00 


13,000 00 


. 4,330 00 


3,500 00 


. 12,500 00 1 
. 3,200 00 f 


9,450 00 


$44,549 95 


$30,150 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 
Cash deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Premiums more than 3 mos. due, $21 95 
Gross assets .... 

Liabilities 

Losses claimed and reported 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
Dividends to stockholders unpaid 
Due and accrued for rent . 
Commissions and brokerage 
Return premiums, etc. 

Gross liabilities, except capital and scrip 



3,164 38 

365,205 00 

30,150 00 

5,981 46 

227 04 

4,323 53 

4,707 94 



$2,700 29 

33,069 41 

1,329 60 

922 16 

1,448 24 

666 67 

776 62 

326 25 



Surplus as regards policy-holders .... 

Paid-up capital $200,010 00 

Scrip outstanding, not ordered to be redeemed, 201,339 60 

Surplus over capital and scrip .... 



Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums . 

Net cash received for fire premiums . 



$67,550 63 
7,996 37 



$540,334 35 



41,239 24 
$499,095 11 



401,349 60 
$97,745 51 



$59,554 26 



* Value of lands mortgaged $184,000 00 

Value of buildings thereon 183,400 00 

Amount of insurance held as collateral . . . 149,400 00 
32 



250 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Gross cash income 



18,070 34 
18,615 84 

$86,240 44 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire, losses 

Cash dividends paid . 

Cash paid for redemption of scrip 

Interest paid scrip-holders . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



821,085 83 
112 02 



820,973 81 

18,615 76 

10,671 00 

11,078 44 

4,433 04 

13,776 35 

7,166 15 

6,838 42 

$93,552 97 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

812,686,736 00 $58,357 14 
16,056,017 00 67,944 61 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$28,742,753 00 $126,301 75 
15,753,675 00 61,848 36 



$12,989,078 00 $64,453 39 
311,138 00 1,049 93 



$12,677,940 00 $63,403 46 



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) 
Fire losses iucurred during the year .... 
Company's stock owned by directors .... 



$3,986,725 30 

1,776,706 21 

1,578,886 83 

20,001 00 

21,702 51 

22,470 00 



1881.] INS. COS. OF OTHER STATES. 251 

LONG ISLAND INSURANCE COMPANY, BROOKLYN, N.Y. 

[Incorporated April, 1833. Commenced business November, 1833.] 

Paid-up Capital, $300,000. 

William L. Cortelyou, President. Henry Blatchford, Secretary. 

Detailed Statement of Bonds. 

Par value. Market value. 

United States bonds $270,000 00 $293,675 00 

Queens County bonds .... 7,000 00 7,280 00 

New York Central Railroad bonds . . 50,000 00 51,560 00 



$327,000 00 $352,515 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $3,069 70 
Loans on mortgage of real estate (first liens*), 130,800 00 

Interest due or accrued thereon . . . 1,740 00 

Stocks, bonds, etc., as per schedule . . 352,515 00 

Cash in the office of the company . . 818 18 

Cash deposited in bank .... 11,499 78 

Interest due and accrued .... 300 00 

Premiums in course of collection (gross) . 10,257 92 

Gross assets $511,000 58 

Liabilities. 

Losses adjusted unpaid .... $14,895 55 

claimed and reported . . . 7,500 00 

disputed or resisted . . . 4,500 00 

Unearned premiums on outstanding risks . 64,556 88 

Due and accrued for rent, salaries, etc. . 850 00 

State and local taxes 750 00 

Commissions and brokerage . . . 2,000 00 

Gross liabilities, except capital and scrip, 95,052 43 



Surplus as regards policy-holders .... $415,948 15 

Paid-up capital $300,000 00 

Scrip outstanding not ordered to be redeemed, 65,714 00 



$365,714 00 



Surplus over capital and scrip .... $50,234 15 

Income. 

Cash received for fire premiums . . $137,199 90 

Deduct re-insurance and return premiums, 6,643 16 

Net cash received for fire premiums . . $130,556 74 

Interest received on bonds and mortgages .... 8,176 24 

* Value of lands mortgaged $121,400 00 

Value of buildings thereon 164,300 00 

Amount of insurance held as collateral . . . 140,700 00 



252 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest and dividends received from all other sources 
Profit on bonds sold, etc 



Gross cash income .... 

Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid 

Interest paid scrip-holders . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$107,182 94 
612 16 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$17,448,712 00 
19,869,810 00 

$37,318,522 00 
18,327,750 00 

$18,990,772 00 
244,951 00 



$17,138 39 
2,437 85 

$158,309 22 



$106,570 78 
30,000 00 

2,628 56 
25,338 72 
14,207 73 

4,076 53 
10,452 11 

$193,274 43 



Premiums. 

$117,146 79 
134,877 68 

$252,024 47 
124,449 72 

$127,574 75 
921 61 



$18,745,821 00 $126,653 14 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,877,006 52 

1,106,631 46 

1,331,888 43 

30,000 00 

111,362 38 

55,900 00 



LORILLARD INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated December, 1871. Commenced business January, 1872.] 

Paid-up Capital, $300,000. 

Carlisle Norwood, President. E. B. Magnus, Secretary pro tern. 

Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market value. 

United States bonds $300,000 00 $329,980 00 

Lake Shore and Michigan So. R.R. bonds . 26,000 00 33,150 00 



$326,000 00 $363,130 00 



1881.] 



INS. COS. OF OTHER STATES. 



253 



Securities held as collateral for cash loans : — 

120 shares Chatham National Bank . 
40 shares Oriental National Bank 



Market value. Loaned thereon. 

$3,300 00 I AA _ M 
1,500 00 [ ® 4 ' 00000 



$4,800 00 
Summary of Assets Dec. 31, 1881. 



Stocks, bonds, etc., as per schedule . 
Loans on collateral security as per schedule, 
Cash in the office of the company 
Cash deposited in Manhattan Company 
Interest due and accrued . 
Premiums in course of collection (gross) 
Gross assets .... 

Liabilities 

Losses claimed and reported 
Losses disputed or resisted . 

Total amount of losses 

Less re-insurance .... 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Return premiums .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$363,130 00 

4,000 00 

1,083 46 

13,962 60 

2,075 00 

21,871 68 



$9,200 00 
2,800 00 

$12,000 00 
850 00 

$11,150 00 

64,067 35 

3,499 47 

4 95 



Surplus over capital 



Income. 

Cash received for fire premiums . . $152,653 58 

Deduct re-insurance and return premiums . 21,188 96 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 

Expenditures. 
Cash paid for fire losses .... $88,669 88 
Deduct salvage and re-insurance . . 6,033 80 

Net cash paid for fire losses . . . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$4,000 00 



$406,122 74 



78,721 77 

$327,400 97 
300,000 00 

$27,400 97 



$131,464 62 
14,698 38 

$146,163 00 



$82,636 08 
25,610 66 
17,256 58 
10,587 21 
16,538 99 

$152,629 52 



254 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



Net amount in force 



819,348,812 00 
20,148,395 00 

$39,497,207 00 
20,112,302 00 

$19,384,905 00 
904,164 00 



Premiums. 

$149,213 90 
155,801 78 

$305,015 68 
166,452 11 

$138,563 57 
6,759 66 



$18,480,741 00 $131,803 91 



Miscellaneous. 



Premiums received from organization of company 
Losses paid from organization of company . 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$1,616,465 50 

7:)7,354 00 

210,000 00 

81,333 36 

101,175 00 



LUMBERMAN'S INSURANCE COMPANY, PHILADELPHIA, 

PENX. 

[Incorporated June 2, 1873. Commenced business Dec. 11, 1873.] 

Paid-up Capital, §250,000. 

Joseph H. Collins, President. George G. Crowell, Secretary. 

Detailed Statement of Stocks, Bonds; etc. 

Par value. Market value. 

Pittsburgh city bonds .... $22,000 00 §23,760 00 

North-east Pennsylvania Railroad bonds . . 5,000 00 5,000 00 

Catawissa Railroad bonds 5,000 00 6,000 00 

Northern Pennsylvania Railroad bonds . . 20,000 00 23,500 00 

Lehigh Valley Railroad bonds .... 20,000 00 24,850 00 

Camden and Amboy Railroad bonds . . . 1.000 00 1.140 00 

West Jersey Railroad bonds .... 3,000 00 3.750 00 

Car Trust of Pennsylvania bonds . . . 1,000 00 1,020 00 

Pittsburgh, Cin., and St. Louis R.R. bonds . 15,000 00 18.225 00 

Pennsylvania Company loan .... 30,000 00 32,700 00 

Car Trust of New York bonds .... 3,000 00 3,052 50 

Philadelphia and Erie Railroad bonds . . 5,000 00 5,925 00 

Stony Creek Railroad bonds .... 2,000 00 2,160 00 

West Pennsylvania Railroad bonds . . . 5,000 00 5,600 00 

Car Trust of New York bonds .... 7,000 00 7.070 00 

Car Trust of Pennsylvania bonds . . . 6,000 00 6,030 00 

Sham. Valley and Pottsville Railroad bonds . 7,000 00 8,155 00 

West Jersey Railroad bonds .... 26,000 00 29,120 00 

Warren aud F. Railroad bonds .... 3,500 00 3,990 00 



1881.] 



INS. COS. OF OTHER STATES. 



255 



Susquehanna Coal Company bonds . 

Long Valley Railroad bonds 

West Jersey and Atlantic Railroad bonds 

Oil Creek Railroad bonds . 

Car Trust of New York bonds . 

Northern Pacific Railroad bonds 

Barclay Coal Company bonds 

Texas Pacific Railroad bonds 

200 shares Buck Mountain Coal Company 

100 shares Pennsylvania Railroad 



Par value. 

$12,000 00 
. 10,000 00 
. 20,000 00 
4,000 00 
. 12,000 00 
. 10,000 00 
. 5,000 00 
. 15,000 00 
. 8,000 00 
. 5,000 00 



Market value. 

$13,560 00 
10,600 00 
22,400 00 

4,070 00 
12,240 00 
10,200 00 

5,087 50 
14,500 00 

8,500 00 

6,150 00 



$287,500 00 $318,355 00 



Securities held as collateral for cash loans : — 



73 shares Pennsylvania Railroad 



Market value. Loaned thereon. 

$4,489 50 $2,900 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $75,235 00 
Loans on mortgage of real estate (first liens*), 116,066 67 



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 (net) 
Notes taken for perpetual risks . 
Rents due and accrued 
Re-insurance due .... 
Gross assets .... 



Liabilities 



Losses adjusted uupaid 
Less re-insurance 



Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
State and local taxes .... 
Re-insurance ..... 
Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



1,502 12 

318,355 00 

2,900 00 

202 64 

13,147 86 

36 50 

5,847 09 

676 26 

182 00 

478 50 



$5,816 12 
1,250 00 



$4,566 12 

39,242 32 

109,972 52 

193 23 

2,140 05 

46 76 



$534,629 64 



156,161 00 

$378,468 64 
250,000 00 

$128,468 64 



* Total value of property mortgaged . . . $181,900 00 
Amount of insurance held as collateral . . 102,350 00 



256 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Cash received for fire premiums . . $71,196 81 

Deduct re-insurance and return premiums, 6,159 88 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Income from surveys, transfers, etc 

Deposits received for perpetual fire risks . $18,054 16 

Gross cash income 



}65,036 93 
7,553 24 

19,687 16 
2,754 00 
1,091 86 



,123 19 



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 
incidentals .... 

Deposits returned on perpetual fire risks . 

Gross cash expenditures 



2,666 13 
3,417 20 



$3,044 00 



$49,248 93 

15,000 00 

11,967 49 

8,358 30 

3,210 44 

4,700 72 

$92,485 88 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Perpetual risks in force 



$4,797,319 00 
8,469,300 00 

$13,266,619 00 
6,321,686 00 

$6,944,933 00 
199,289 00 

$6,745,644 00 
$4,806,754 00 



Premiums. 

$54,449 27 
72,962 46 

$127,411 73 
50,610 80 

$76,800 93 
2,139 22 

$74,661 71 
$122,191 68 



Miscellaneous . 

Premiums received from organization of company . . $311,458 92 

Losses paid from organization of company .... 103,751 84 

Cash dividends declared from organization of company . 63,000 00 

Dividends declared during the year (6 per cent) . . 15,000 00 

Fire losses incurred during the year 43,465 70 

Company's stock owned by directors 52,975 00 



1881.] 



INS. COS. OF OTHER STATES. 



257 



MANHATTAN FIRE INSURANCE COMPANY, NEW YORK, 

N.Y. 

[Incorporated Jan. 8, 1872. Commenced business March 30, 1872.] 
Paid-up Capital, $250,000. 
Andrew J. Smith, President. Loui8 P. Carman, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $230,000 00 $287,000 00 

South Carolina state bonds . . . 20,000 00 7,000 00 



$250,000 00 $294,000 00 



Securities held as collateral for cash loans : — 



16 *' Howard Insurance Company, N.Y. 
32 " Phenix Insurance Company (N.Y.) 
20 M Lamar Insurance Company (N.Y.) 
20 " Hoffman Insurance Company (N.Y.) 
40 " Lenox Insurance Company (N.Y.) 

60 " Lorillard Insurance Company (N.Y.) 
5 " Phenix Insurance Company (N.Y.) 

10 " New York Economical Printing Co. 

61 u Howard Insurance Company, N.Y* 
Knickerbocker Ice Company stock 
10 shares Relief Fire Insurance Company 
United States bonds . 
Knickerbocker Ice Company bonds 
18 shares National Exchange Bank 

5 " Irving Insurance Company 
15 " Home Insurance Company 
Phenix Insurance Company stock 
Central Pacific Railroad bonds . 



Market value. 

. $3,750 00 

900 00 
. 2,400 00 
. 1,600 00 -J 
. 800 00 

700 00 J- 
. 1,050 00 | 

375 00 j 
, 1,500 00 
. 3,500 00 
, 1,000 00 

450 00 
. 9,400 00-) 
. 2,200 00 ' 
. 1,900 00 , 
. 400 00 j 
. 2,250 00 
. 2,700 00 
. 2,300 00 



Loaned thereon. 

$2,500 00 

700 00 

1,400 00 



3,650 00 

1,000 00 

3,000 00 

800 00 

400 00 

[ 12,000 00 

900 00 
1,732 00 
1,500 00 



$39,175 00 $29,582 90 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $20,881 96 

Loans on mortgage of real estate (first liens*), 145,667 00 

Interest due or accrued thereon . . . 5,152 31 

Stocks, bonds, etc., as per schedule . . 294,000 00 

Loans on collateral security, as per schedule, 29,582 00 

Cash in the office of the company . . 10,460 00 

Cash deposited in Leather ManufV Nat'l B'k, 33,780 98 



* Total value of property mortgaged . 
Amount of insurance held as collateral 

33 



$301,000 00 
136,300 00 



258 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest due and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Re-insurance due .... 
Gross assets .... 

Deduct special deposits in other states 

Balance .... 

Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Ail other liabilities .... 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 



Surplus as regards policy-holders . 
Paid-up capital 



$1,464 26 

100,344 38 

3,480 00 

7,303 21 



$652,117 08 
44,250 00 

$607,867 08 



$18,764 00 

16,216 00 

8,800 00 

281,851 01 
12,000 00 

$337,631 01 
10,306 95 



Surplus over capital 

Income. 
Cash received for fire premiums . . $647,866 38 

Deduct re-insurance and return premiums . 54,942 25 

Net cash received for fire premiums . . 

Cash received for marine and inland prem's, $62,765 90 
Deduct re-insurance and return premiums . 21,427 94 

Net cash received for marine and inland prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income 



327,324 06 

$280,543 02 
250,000 00 

$30,543 02 



$592,924 13 



41,337 96 

10,472 32 

13,612 06 

1,413 51 

$659,759 98 



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 ..... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$447,854 78 
8,732 74 

$81,204 78 
10,422 98 



$439,122 04 



70,781 80 
25,000 00 
101,122 38 
42,961 76 
17,306 32 
57,781 99 

$754,076 29 



1881.] 



INS. COS. OF OTHER STATES. 



259 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$47,019,401 00 
60,678,127 00 

$107,697,528 00 
55,747,436 00 

$51,950,092 00 
944,394 00 



Premiums. 

$554,205 05 
645,560 13 

1,199,765 18 
628,389 88 

$571,375 30 
11,843 06 



$51,005,698 00 $559,532 24 



$643,854 00 
9,881,611 00 

$10,525,465 00 
9,609,314 00 

$916,151 00 
701,248 00 



$17,333 32 

67,458 42 



,791 74 
76,357 86 

$8,433 88 
6,185 26 



$214,903 00 $2,248 62 



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) 

Fire losses incurred during the year .... 

Inland losses incurred during the year 

Company's stock owned by directors .... 



^6,139,955 38 

3,845,510 01 

270,000 00 

25,000 00 

424,153 37 

56,000 00 

61,600 00 



MANUFACTURERS' AND BUILDERS' FIRE INSURANCE 
COMPANY, NEW YORK, N.Y. 

[Incorporated Nov. 19, 1870. Commenced business Nov. 22, 1870.] 

Paid-up Capital, $200,000. 

Edward V. «Loew, President. J. J. Nestell, Secretary. 



Detailed Statement of Stocks* Bonds, etc. 



United States bonds 

500 shares N.Y. Cent, and Hudson R. R.R. 
20 " Chicago, Bur., and Quincy R.R. 
360 " Eleventh Ward Bank 
New York and Erie Railroad bonds . 



Par value. 

$202,550 00 
. 50,000 00 
. 2,000 00 
. 9,000 00 
. 11,000 00 



Market value. 

$231,895 13 

65,500 00 

2,730 00 

9,000 00 

14,032 50 



$274,550 00 $323,157 63 



260 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : 

110 shares Eleventh Ward Bank 
40 " Ocean Navigation and Pier Co. 
40 " Tradesmen's Insurance Company 
15 " Eagle Insurance Company 



Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens*), $57,000 00 
Interest due or accrued thereon .... 443 32 
Stocks, bonds, etc., as per schedule . . 323,157 63 
Loans on collateral security, as per schedule . 6,250 00 
Cash in the office of the company . . . 18,898 33 
Cash deposited in various banks . . . 19,668 78 

Interest due and accrued 69 40 

Premiums in course of collection (gross) . . 9,771 45 
Gross assets 



Market value. Loaned thereon. 



. $2,750 00 


£2,000 00 


6,000 00 


3,300 00 


. 1,060 00 


250 00 


. 1,440 00 


700 00 


$11,250 00 


$6,250 00 



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, etc. . . . . 
Gross liabilities, except capital . 

Surplus as regards policy-holders . 
Paid-up capital 



$436 42 

5,750 00 

1,250 00 

53,119 13 

333 33 

1,755 45 

121 33 



Surplus over capital 

Income. 

Cash received for fire premiums . . $120,516 73 

Deduct re-insurance and return premiums, 26,823 28 

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 .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 



$63,474 33 
1,376 52 



$435,258 91 



• 62,765 66 

$372,493 25 
200,000 00 

$172,493 25 



$93,693 45 
11,653 00 
12,260 86 

$117,607 31 



$62,097 81 



* Value of lands mortgaged $90,000 00 

Value of buildings thereon 31,000 00 

Amount of insurance held as collateral . . 31,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



261 



Cash dividends paid 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for rent ...... 

for incidentals 

Gross cash expenditures . . . . 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$21,735,660 00 
25,762,417 00 

$47,498,077 00 
24,008,999 00 

$23,489,078 00 
2,643,648 00 



$24,000 00 
18,889 02 
18,407 27 
12,714 86 
3,736 88 
12,478 84 

$152,324 68 



Premiums. 

,840 61 
122,499 72 

$231,310 33 
110,608 61 

$120,731 72 
17,956 46 



$20,845,430 00 $102,775 26 



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) 

Fire losses incurred during the year . 

Company's stock owned by directors .... 



$1,059,385 38 

282,707 29 

212,000 00 

24,000 00 

53,312 30 

83,500 00 



MECHANICS' FIRE INSURANCE COMPANY, BROOKLYN, N.Y. 

[Incorporated May 7, 1857. Commenced business May 7, 1857.] 

Paid-tjt Capital, $250,000i 

John K. Oakley, President. Walter Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Buffalo Gas-Light Company bonds 
People's Gas-Light Co. (Brooklyn) stock 
Salisbury Railroad bond . 



Par value. 

$100,000 00 

23,000 00 

10,000 00 

500 00 



Market value. 

$117,500 00 

23,000 00 

3,000 00 

500 00 



$133,500 00 $144,000 00 



Securities held as collateral for cash loans: — 

46 shares Mechanics' Bank, Brooklyn 

12 " Delaware and Hudson Canal Co. 

60 " Mechanics' Bank, Brooklyn 



Market value. Loaned thereon. 

. $4,255 00 > $1 700 00 

. 1,296 00 i 

. 5,550 00 4,000 00 



262 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



10 shares Brooklyn Life Insurance Company 

10 " Niagara Fire Insurance Company 

40 " Phoenix Fire Insurance Company 

24 " Montauk Fire Insurance Company 

10 " Mechanics' Bank, Brooklyn 
73 " Mechanics' Bank, Brooklyn 

11 " City Fire Insurance Company 
7 " National Park Bank . 

300 " Union Pacific Railroad 

100 " New York Central Railroad 

35 " Chicago and Alton Railroad 

125 " Lake Shore and Michigan So. R.R. 

Erie Railroad bonds 



Market value. 

. $1,250 00 > 
950 00 > 
. 3,060 00 \ 
. 1,500 00 C 
925 00 ) 
. 6,752 55 
962 50 
. 1,155 00 
. 35,100 001 
. 13,100 00 j 
. 4,585 00 I- 
. 14,500 00 | 
. 31,250 00J 



Loaned thereon. 

$1,500 00 

3,500 00 

3,000 00 

750 00 

1,000 00 

80,000 00 



$126,191 05 $95,450 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $7,875 00 

Loans on mortgage of real estate (first liens *), 198,600 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 

Cash deposited in Mechanics' Bank . 

Interest due and accrued . 

Premiums in course of collection (gross) 

Gross assets .... 

Deduct special deposit in Georgia 

Balance .... 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liability on special deposit 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



2,752 19 

144,000 00 

95,450 00 

1,103 03 
14,379 45 

2,267 60 
17,287 10 



- $483,714 37 
29,375 00 

. $454,339 37 



$3,655 48 

5,100 00 

58,052 46 

900 00 

$67,707 94 
5,246 72 



62,461 22 

$391,878 15 
250,000 00 



$141,878 15 



* Value of lands mortgaged $128,000 00 

Value of buildings thereon 266,000 00 

Amount of insurance held as collateral . . . 207,250 00 



1881.] 



INS. COS. OF OTHER STATES. 



263 



Income. 

Cash received for fire premiums . . $135,363 71 

Deduct re-insurance and return premiums, 17,035 18 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Income from rents 

Received for increased capital . . . $100,000 00 

Gross cash income 



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 rent and incidentals 

Gross cash expenditures 



$52,123 72 
1,748 66 



$118,328 53 

11,286 65 

• 6,828 66 

1,000 00 

$137,443 84 



$50,375 06 
23,000 00 
17,012 66 
16,800 00 
4,989 48 
10,311 10 

$122,488 30 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$15,899,403 00 
21,770,947 00 

$37,670,350 00 
17,728,681 00 

$19,941,669 00 
311,448 00 



Premiums. 

$72,054 69 
147,369 81 

$219,424 50 
105,166 26 

$114,258 24 
1,673 08 



$19,630,221 00 $112,585 16 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,179,149 00 

956,893 00 

428,000 00 

23,000 00 

58,230 00 

105,301 00 



264 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MERCANTILE FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Jan. 15, 1852. Commenced business Jan. 17, 1852.] 

Paid-up Capital, $200,000. 

William A. Anderson, President. C. W. Parmelee, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $185,000 00 $190,828 75 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $50,000 00 
Interest due or accrued thereon .... 445 83 

United States bonds 190,828 75 

Cash in the office of the company . . . 653 54 
Cash dep'd in Merchants' Nat'l Exchange Bank, 2,033 17 

Interest due and accrued 2,221 40 

Premiums in course of collection (gross) . . 3,298 90 
Gross assets .... 

Liabilities 

Losses adjusted unpaid $1,669 84 

Losses claimed and reported .... 2,250 00 
Unearned premiums on outstanding risks . . 24,154 05 
Due and accrued for rent, salaries, etc. . . 586 99 
Commissions and brokerage .... 485 03 

Return premiums 65 57 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$249,481 59 



Surplus over capital 

Income. 

Cash received for fire premiums . . $46,582 76 

Deduct re-insurance and return premiums, 3,344 75 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Gross cash income 



$29,211 48 

$220,270 11 
200,000 00 

$20,270 11 



.$43,238 01 
2,787 50 
7,023 70 

$53,049 21 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 



$24,304 07 
111 69 



$24,192 38 



* Value of lands mortgaged $86,000 00 

Value of buildings thereon 58,500 00 

Amount of insurance held as collateral . . . 50,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



265 



Cash dividends paid 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force ... 



$7,376,785 00 
7,978,825 00 

$15,355,610 00 
8,298,234 00 

$7,057,376 00 
223,846 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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$16,000 00 

5,947 26 

11,050 00 

1,843 05 

4,963 58 

$63,996 27 



Premiums. 

$49,551 82 
46,671 93 

$96,223 75 
48,015 31 

$48,208 44 
1,338 82 

$6,833,530 00 $46,869 62 



,894,434 95 

926,141 15 

558,000 00 

16,000 00 

25,503 32 

53,500 00 



THE MERCHANTS' INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated February, 1858. Commenced business April, 1858.] 

Paid-up Capital, $400,000. 

Henry Powles, President. J. R. Mullikin, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 

Newark city bonds 

Elizabeth city bonds . 

Long Branch school bonds 

East Orange improvement bonds 

Citizens' Gas- Light Company bonds 

New Jersey state bonds 

Essex county bonds . 

Jersey city bonds 

Union school district bonds 

Newark Gas-Light Company stock 

Citizens' Gas-Light Company stock 



34 



Par value. 

$241,000 00 

100,000 00 

16,000 00 

15,000 00 

13,000 00 

13,500 00 

1,000 00 

1,000 00 

3.000 00 

4,500 00 

10,000 00 

5,000 00 



Market value. 

$244,990 00 

116,000 00 

6,400 00 

16,500 00 

14,300 00 

14,040 00 

1,150 00 

1,070 00 

3,150 00 

4,500 00 

13,500 00 

4,500 00 



$423,000 00 $440,100 00 



1,500 00 



266 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

10 shares Union Building and Loan Assoc'n . $800 00 $500 00 

20 " Newark City Batik . . . . 1,350 00 

8 " Newark City Ice Company . . 560 00 

100 " Newark City Ice Company . . 7,000 00 J „ 5Q{) 0Q 

Bond and mortgage 15,000 00 > 

50 shares City Ice Company . . . . 3,500 00 2,000 00 

Milwaukee and St. Paul Railroad bonds . . 2,400 00 2,000 00 

American Insurance Company scrip . . . 555 00 275 00 

50 shares Manufacturers' National Bank . . 4,000 00 2,500 00 

United States bonds 2,375 00 2,000 00 

93 shares Newark City Ice Company . . . 6,510 00) 

40 " Newark Gas-Light Company . . 2,700 00 [■ 7,000 00 

17 " Roselle Land and Improvement Co. . 1,700 00 ) 

16 " Citizens' Gas-Light, Company . . 720 00 

United States bonds 4,670 00 

26 shares Newark City Ice Company . . . 1,820 00 

29 " Mutual Benefit Ice Company . . 290 00 
7 " Essex County National Bank . . 490 00 1 

40 " National Newark Banking Company . 2,700 00 

74 " Citizens' Gas-Light Company . . 3,330 00 

30 " Rosendale Lime and Cement Company, 3,000 00 J 
20 " National State Bank .... 1,100 00 j 

Morris and Essex Railroad bonds . . . 1,340 00 [■ 2,600 00 

40 shares New Jersey Agricultural Society . . 700 00 ) 

15 " National State Bank . . . 825 00 600 00 





650 00 




4,000 00 


} 


1,500 00 


1 

1 


8,250 00 



$68,435 00 $42,875 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $139,391 63 
Loans on mortgage of real estate (first lieus *), 388,132 00 

Interest due or accrued thereon . . . 8,662 55 

Stocks, bonds, etc., as per schedule . . 440,100 00 

Loans on collateral security as per schedule, 42,875 00 

Cash in the office of the company . . 9,074 62 

Cash deposited in various banks . . 56,750 87 

Interest due and accrued .... 7,065 24 

Premiums in course of collection (gross) . 35,732 60 

Rents due and accrued .... 1.209 o7 

Premiums more than three months due, $532 92 

Gross assets 81,128,994 08 

Liabilities. 

Losses adjusted unpaid .... $6,004 28 

claimed and reported . . . 19,023 48 

disputed or resisted . . . 2,029 00 

* Value of lands mortgaged §477,325 00 

Value of buildings thereon 550,500 00 

Amount of insurance held as collateral . . . 449,850 00 



1881.] 



INS. COS. OF OTHER STATES. 



267 



Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Unpaid scrip ordered to be redeemed 
Interest due or accrued on scrip 
State and local taxes . 
Commissions and brokerage 
Return premiums 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$230,384 94 
570 00 
7,012 00 
3,764 51 
1,064 41 
6,869 53 
2,220 90 



$278,943 05 

$850,051 03 
400,000 00 

$450,051 03 



Income. 

Cash received for fire premiums . . $408,169 98 

Deduct re-insurance and return premiums . 32,307 69 

Net cash received for fire premiums . . $375,862 29 

Interest received on bonds and mortgages .... 26,772 97 

Interest and dividends received from all other sources . 27,215 38 

Income from rents ........ 5,175 42 

Gross cash income $435,026 06 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash dividends paid . 

Cash paid for redemption of scrip 

Interest paid scrip-holders . . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Loss on Mechanics' Bank stock . 

Gross cash expenditures 



$186,263 55 
3,399 28 



$182,864 27 
48,150 00 
11,101 00 
1,147 88 
70,256 13 
28,075 31 
13,909 82 
33,680 63 
20,000 00 

$409,185 04 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$47,328,208 00 
50,756,080 00 



$98,084,288 00 
46,216,111 00 



$51,868,177 00 
478,826 00 



Premiums. 

$410,353 97 
412,506 25 



22,860 22 
365,522 32 

$457,337 90 
5,266 31 



$51,389,351 00 $452,071 59 



268 



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 (12 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,274,563 00 

1,799,867 52 

384,219 00 

48,000 00 

189,655 49 

49,350 00 



MERCHANTS' INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April, 1850. Commenced business April, 1850.] 

Paid-up Capital, 8200,000. 

C. V. B. Ostrander, President. J. L. Douglas, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
North River Bank stock 
Merchants' Exchange Bank stock 
Rensselaer and Saratoga Railroad stock 
New York Central Railroad stock 



Par value. 

$175,000 00 

9,000 00 

5,000 00 

1,000 00 

30,000 00 



Market value. 

$187,668 75 

9,000 00 

5,000 00 

1,350 00 

39,000 00 



Securities held as collateral for cash loans: — 



100 shares New York Central Railroad 



20 

10 

25 

6 

5 



Williamsburg City Insurance Co. 
Home Insurance Company 
American Mutual Union Ex. Co. 
Star Insurance Company . 
First National Bank, Saugerties 



$220,000 00 


$242,018 75 


Market value. 


Loaned thereon. 


$13,000 00 


$10,000 00 


. 2,600 00 


1,600 00 


. 1,500 00 l 
. 2,250 00 j" 




1,000 00 


. 450 00 


500 00 


500 00 


300 00 



$20,300 00 $13,400 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . 826,100 00 
Loans on mortgage of real estate (first liens*), 128,500 00 

Interest due or accrued thereon . . . 3,295 00 

Stocks, bonds, etc., as per schedule . . 242,018 75 

Loans on collateral security as per schedule, 13,400 00 

Cash in office of the company . . . 2,071 20 

Cash deposited in bank .... 3,784 26 



* Value of lands mortgaged $59,500 00 

Value of buildings thereon 157,500 00 

Amount of insurauce held as collateral . . . 13S.900 00 



1881.] 



INS. COS. OF OTHER STATES. 



269 



Interest due and accrued . 
Premiums in course of collection (net) 
Taxes due ...... 

Gross assets .... 

Liabilities 

Losses claimed and reported 
Losses disputed or resisted 
Unearned premiums on outstanding risks 
State and local taxes .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



*2,554 80 
8,945 49 
4,151 59 



$9,140 00 

7,000 00 

57,954 50 

406 77 



$434,821 09 



74,501 27 

$360,319 82 
200,000 00 

$160,319 82 



Income. 

Cash received for fire premiums . . $110,366 48 

Deduct re-insurance and return premiums . 3,006 04 

Net cash received for fire premiums . . $107,360 44 

Interest received on bonds and mortgages .... 10,853 91 
Interest and dividends received from all other sources . 11,017 43 

Gross cash income ....... $129,231 78 



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 employe's 
for state and local taxes . 
to directors and committees 
for incidentals .... 

Gross cash expenditures 



$45,527 96 
47 98 



$45,479 98 
20,000 00 
23,236 09 
24,111 80 
5,563 39 
1,275 00 
10,066 65 

$129,732 91 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total ..... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$19,031,005 00 
20,280,347 00 

$39,311,352 00 
20,081,617 00 

$19,229,735 00 
24,500 00 



Premiums. 

$107,813 79 
117,469 18 

$225,282 97 
110,897 00 

$114,385 97 
65 05 



$19,205,235 00 $114,320 92 



270 FIRE, MARINE, AND FIRE-MARINE [Dec. 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 (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,078,686 63 

1,717,750 46 

1,072,000 00 

20,000 00 

50,126 18 

48,800 00 



MERCHANTS' INSURANCE COMPANY, PROVIDENCE, R.I. 

[Incorporated May 15, 1851. Commenced business July, 1851.] 

Paid-up Capital, $200,000. 

W. T. Barton, President. Wm. P. Goodwin, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



1,600 shares National Bank of Commerce 



1,000 
400 
200 
467 
200 
257 
102 
66 



American National Bank 
Merchants' National Bank 
Globe National Bank 
Providence Gas Company 
Phenix National Bank . 
Mechanics' National Bank 
Manufacturers' National Bank 
Delaware and Hudson Canal Co. 



Par value. 

$80,000 00 
. 50,000 00 
. 20,000 00 
. 10,000 00 
. 23,350 00 
. 10,000 00 
. 12,850 00 
. 10,200 00 
. 6,600 00 



Market value. 

$89,600 00 
56,000 00 
27,200 00 
13,400 00 
30,121 50 
17,400 00 
19,275 00 
15,300 00 
7,128 00 



$223,000 00 $275,424 50 



Securities held as collateral for cash loans: — 



10 shares Old National Bank, Providence . 
10 " Fifth National Bank, Providence 
13 " Eagle National Bank, Providence 



M arket value. Loaned thereon 

. $1,100 00) 

660 00 C $1,525 00 
910 00) 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens *) . $3,000 00 
Interest due or accrued thereon . . . . 20 00 

Stocks, bonds, etc., as per schedule . . 275,424 50 
Loans on collateral security as per schedule . 1,525 00 
Cash in the office of the company . . . 2,318 68 
Cash deposited in Nat'l Bank of Commerce 109,833 86 

Interest due and accrued 74 83 

Premiums in course of collection (gross) . . 15,752 86 

Gross assets $407,949 73 



* Value of lands mortgaged $4,000 00 

Value of buildings thereon 4,000 00 

Amount of insurance held as collateral .... 17,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



271 



Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
State and local taxes .... 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$2,609 46 

12,022 35 

914 84 

90,944 84 

122 78 

1,105 04 



Surplus over capital 

Income. 

Cash received for fire premiums . . $155,652 28 

Deduct re-insurance and return premiums . 15,162 49 

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 .... $93,335 12 

Deduct salvage and re-insurance . . 822 57 

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 

Gross cash expenditures 

Risks and Premiums. 



$107,719 31 

$300,230 42 
200,000 00 

$100,230 42 



$140,489 79 

540 00 

17,907 10 

$158,936 89 



$92,512 55 

12,000 00 

32,090 87 

11,123 62 

5,001 07 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 

Marine risks written during 1881 
Deduct risks expired and terminated 

In force at end of year 



$16,254,280 00 
15,938,118 00 

$32,192,398 00 
15,290,777 00 

$16,901,621 00 
154,693 00 



$152,728 11 



Premiums. 

$175,614 23 
156,877 72 

$332,491 95 
154,048 15 

$178,443 80 
1,617 30 



$16,746,928 00 


$176,826 50 


$38,393 00 


$252 34 


. 10,335 00 


48 48 


$28,058 00 


$203 86 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



MrSCELLANE0U8. 

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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,393,344 27 

3,074,710 33 

566,000- 00 

12,000 00 

99,413 75 

42,150 00 



MERIDEN FIRE INSURANCE COMPANY, MERIDEN, CONN. 

[Incorporated July, 1868. Commenced business February, 1872.] 

Paid-up Capital, $200,000. 

A. Chamberlain, President. E. B. Cowles, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $30,000 00 $33,862 50 

Meriden (Conn.) city bond .... 5,000 00 6,000 00 

Cleveland (O.) city bonds 10,000 00 12,000 00 

Cincinnati (O.) city bonds .... 10,000 00 12,000 00 

Dayton (O.) city bonds 20,000 00 24,000 00 

Harlem River and Port Chester R.R. bonds . 17,000 00 22,350 00 

Danbury and Norwalk Railroad bonds . . 9,500 00 11,400 00 

New Haven and Northampton Railroad bonds . 8,000 00 8,000 00 

Dayton and Michigan Railroad bonds . . 5,000 00 5,350 00 

113 shares First National Bank, Meriden . . 11,300 00 12,995 00 

268 " Home National Bank, Meriden . . 26,800 00 32,160 00 

89 " Meriden National Bank . . . 8,900 00 11,125 00 

45 " New Britain National Bank . . 4,500 00 6,750 00 

55 " Yale National Bank, New Haven . 5,500 00 6,490 00 

50 " Hartford National Bank . . . 5,000 00 8,500 00 

50 " Mercantile National Bank, Hartford . 5,000 00 6,500 00 

2 " Phcenix National Bank, Hartford . 200 00 340 00 



$181,700 00 $219,822 50 



Securities held as collateral for cash loans : - 

200 shares Meriden Britannia Company 
200 " Pultz & Walkley Company 
100 " G. F. Warren & Company 
First mortgage assigned .... 



Market value. Loaned thereon. 



$22,500 00 
. 5,000 00 
. 1,000 00 
. 2,800 00 



$4,500 00 
1,250 00 

1,150 00 



$31,300 00 $6,900 00 



1881.] 



INS. COS. OF OTHER STATES. 



273 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $25,500 00 

Interest due or accrued thereon ... 10 00 

Stocks, bonds, etc., as per schedule . . 219,822 50 

Loans on collateral security as per schedule, 6,900 00 

Cash in the office of the company . . 3,774 57 

Cash deposited in Home National Bank . 13,825 48 

Interest due and accrued .... 1,276 01 

Premiums in course of collection (gross) . 6,696 71 

Non-resident tax 72 00 

Miscellaneous 4,000 00 

Gross assets . 

Liabilities 

Losses claimed and reported . . . $1,355 00 

Losses disputed or resisted . . . 1,046 04 

Unearned premiums on outstanding risks . 29,838 35 

Due and accrued for rent, salaries, etc. . 300 00 

Commissions and brokerage . . * . 1,159 66 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Surplus over capital 

Income. 

Cash received for fire premiums . . $97,239 15 

Deduct re-insurance and return premiums . 37,765 41 
Net cash received for fire premiums . 
Interest received on bonds and mortgages . 
Interest and dividends received from all other sources 
Income from commissions ...... 

Gross cash income ...... 



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 

for incidentals .... 

for re-insurance .... 

Gross cash expenditures 



$105,797 78 
17,484 24 



$281,877 27 



33,699 05 

$248,178 22 
200,000 00 

$48,178 22 



$59,473 74 

1,350 83 

13,800 16 

1,525 10 

$76,149 83 



$88,313 54 

11,272 69 

4,322 20 

1,353 58 

4,200 47 

79,561 92 



$189,024 40 



* Value of lands mortgaged $36,700 00 

Value of buildings thereon 44,300 00 

Amount of insurance held as collateral . . . 35,800 00 



35 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31. 

Risks axd Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$20,327,443 00 $229,662 11 
6,873,333 00 72,678 62 



$27,200,776 00 $302,340 73 
17,779,841 00 200,505 99 



$,420,935 00 $101,834 74 
3,384,665 00 41,976 85 



$6,036,270 00 $59,857 89 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$1,594,530 87 

1,008,792 32 

142,000 00 

32,795 11 

54,130 00 



NATIONAL FIRE INSURANCE COMPANY, BALTIMORE, MD. 

[Incorporated December, 1849. Commenced business May, 1850.] 

Paid-up Capital, §200,000. 

John B. Seidenstrtcker, President. H. C. Landis, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 

Maryland state bonds 

Missouri state bonds .... 

South Carolina state bonds 

Western Maryland Railroad bonds 

Pittsburgh and Cornellsville R.R. bonds 

Central Ohio Railroad bonds 

Wilmington, Col., and Augusta R.R. bonds, 

Consolidated Gas Company bonds 



Par value. 

$65,000 00 
25,700 00 
20,000 00 
11,500 00 
10,000 00 
6,000 00 
25,000 00 
19,000 00 
10,000 00 



Market value 

$75,400 00 
28,200 00 
22,000 00 
12,500 00 
12,000 00 
7.440 00 
27,500 00 
20,900 00 
10,400 00 



$192,200 00 $216,340 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . 3,000 00 

Stocks, bonds, etc., as per schedule . . 216,340 00 

Cash in the office of the company . . 619 S7 

Cash deposited in Bank of Commerce . 26,602 96 

Interest due and accrued .... 2,380 00 



1881.] 



INS. COS. OF OTHER STATES. 



275 



Premiums in course of collection (net) 
Rents due and accrued 

Gross assets .... 

Deduct special deposit in Virginia 



$22,272 54 
337 50 



$323,552 87 
11,600 00 

$311,952 87 



Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 

Unearned premiums on outstanding risks 

Reclaimable on perpetual fire policies 

Dividends to stockholders unpaid 

Due for borrowed money . 

Gross liabilities, except capital . 
Deduct liability" on special deposit 



Surplus as regards policy-holders 
Paid-up capital . 

Impairment of capital . 



$13,338 53 

2,875 00 
72,092 96 

6,331 42 

137 00 

23,000 00 

$117,774 91 
4,079 29 



113,695 62 

$198,257 25 
200,000 00 

$1,742 75 



Income. 

Cash received for fire premiums . . . $166,278 11 
Deduct re-insurance and return premiums . 35,397 48 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 
Income from rents . . . . . . 

Income from all other sources . . 

Gross cash income ....... 



$130,880 63 

11,272 54 

1,562 54 

6,089 13 

$149,804 84 



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 employe's 

for state and local taxes 

for incidentals .... 

Deposits returned on perpetual fire risks . 



,743 66 
1,169 87 



$80,573 79 

19,873 00 

29,586 84 

7,874 06 

5,504 34 

7,492 65 



$210 00 



Gross cash expenditures 



$150,904 68 



276 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$12,243,768 00 
17,402,777 00 

$29,646,545 00 
15,190,671 00 

$14,455,874 00 
52,559 00 



Premiums. 

8109,616 82 
166,273 41 

$275,890 23 
134,128 58 

$141,761 65 
484 13 



$14,403,315 00 $141,277 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) 
Fire losses incurred during the year .... 



51,954,261 62 

1,103,639 47 

371,352 65 

20,000 00 

89,864 43 



NATIONAL FIRE INSURANCE COMPANY, HARTFORD, 

CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 
Paid-up Capital, §1,000,000. 
Mark Howard, President. James Nichols, Secretary. 



Detailed Statement of Stocks, Bonds, etc 

Par value. 

United States bonds $100,000 00 

Connecticut state bonds ..... 5,000 00 

Hartford city bonds 35,000 00 

New Britain city bonds 6,000 00 

Rochester city bonds 25,000 00 

Lockport city bonds 10,000 00 

Buffalo city bonds . . . . . . 15,000 00 

Cleveland city bonds . . . . . 10,000 00 

Columbus city bonds 10,000 00 

Detroit city bonds 13,000 00 

Meriden town bonds 10,000 00 

West Middle school district (Hartford) bonds . 25,000 00 
St. Johnsbury and Lake Champlain Railroad . 20,000 00 
Harlem River and Portchester Railroad . . 25,000 00 
Jackson, Lansing, and Saginaw Railroad . . 20,000 00 
Cleveland, Columbus, Cin., and Indianap. R.R. 20,000 00 
Chicago and Western Indiana Railroad . . 20,000 00 
Chicago and North-western Railroad . . . 20,000 00 
Chicago, Burlington, and Quincy Railroad . 10,000 90 

Hannibal and St. Joseph Railroad . . . 20,000 00 



Market value. 

$116,250 00 
5,200 00 
41,200 00 
6,900 00 
29,500 00 
11,500 00 
16,800 00 
11,000 00 
10,300 00 
14,950 00 
10,500 00 
27,500 00 
22,000 00 
30,000 00 
21,600 00 
24,800 00 
22,000 00 
21,800 00 
10,400 00 
22,400 00 



1881.] 



INS. COS. OF OTHER STATES. 



277 



400 shares 


200 


ti 


400 


u 


500 


ii 


200 


ii 


200 


(< 


100 


i< 


200 


(< 


100 


it 


50 


(t 


140 


tf 


100 


ft 


300 


it 


300 


it 


215 


(t 


50 


it 


50 


it 


247 


if 


50 


it 


100 


ii 


75 


ii 


70 


ii 


25 


ii 


240 


if 



Par value. 

N.Y., N.H., and Hartford Railroad, $40,000 00 
New York and Harlem Railroad . 10,000 00 
N.Y. Cent, and Hudson River R.R. . 40,000 00 
Pennsylvania Railroad . . . 25,000 00 
Pittsburgh, Ft. W., and Chicago R.R. 20,000 00 
Cleveland and Pittsburgh Railroad . 10,000 00 
Illinois Central Railroad . . . 10,000 00 
Chicago, R. L, and Pacific R.R. . 20,000 00 
Metropolitan National Bank (N.Y.), 10,000 00 
Central National Bank (N.Y.) . . 5,000 00 
Farmers' and MechV N'l B'k (Hart ), 14,000 00 
Charter Oak National Bank . . 10,000 00 
Hartford National Bank . . . 30,000 00 
Phoenix National Bank . . . 30,000 00 
-Etna National Bank . . .21,500 00 

City National Bank .... 5,000 00 
Mercantile National Bank . . 5,000 00 

National Exchange Bank . . . 12,350 00 
Second National Bank . . . 5,000 00 
Thames National Bank . . . 10,000 00 
National Bank of the Republic . 7,500 00 

Boston National Bank . . . 7,000 00 
Merchants' Bank . . . . 625 00 
Willimantic Linen Company . . 6,000 00 



Market value. 

$70,000 00 

20,000 00 

53,600 00 

32,500 00 

27,000 00 

13,500 00 

13,200 00 

26,600 00 

17,000 00 

6,500 00 

18,900 00 

14,000 00 

51,000 00 

51,600 00 

27,950 00 

4,750 00 

6,400 00 

18,772 00 

8,250 00 

15,100 00 

9,375 00 

8,820 00 

325 00 

21,360 00 



$772,975 00 $1,013,102 00 



Securities held as collateral for cash loans : — 



N. H., Middletown, and Will. R.R. bonds 

Connecticut state bonds 

Hartford city bonds . 

New York, Lake Erie, and W. R.R. bonds 

N. H. and Northampton Railroad bonds 

New York Elevated Railroad bonds 

State Savings Bank book assigned 

Society for Savings book assigned 

76 shares Broad Brook Company 

10 

10 

4 

6 

5 

5 
13 

5 
50 
20 ' 



Wells, Fargo, & Co. . 
Conn. General Life Insurance Co 
Phoenix National Bank 
Travelers' Insurance Company 
N. Y., N. II., and Hartford R.R 
Hartford Gas Company 
Pratt & Whitney Company . 
Rockville National Bank 
Hartford L. and A. Insurance Co 
Lake Shore and Mich. So. R.R. . 



Market value. 


Loaned thereon. 


$880 00 


$720 00 


1,040 00) 
1,220 00 > 


1,500 00 


3,750 00 


2,000 00 


19,S00 00 


16,782 00 


2,380 00 


1,440 00 


200 00 


200 00 


400 00 


400 00 


4,750 00 


3,000 00 


1,300 00 


200 00 


1,080 00 


700 00 


6S8 00 


360 00 


1,440 00 


900 00 


875 00 I 
140 00 > 


800 00 


1,495 00 


720 00 


550 00 


360 00 


5,000 00 


3,870 00 


2,300 00 


1,440 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



10 shares N. Y., N. H., and Hartford R.R. 

6 " Conn. Trust and Safe Deposit Co. 

1 share Pittsfield National Bank 
15 shares Adams Express Company . 

6 " Hartford and Wethersfield H. R.R. 
10 " Mercantile National Bank 
200 " Travelers' Insurance Company . 



Market value. Loaned thereon. 

$1,750 00 81,080 00 



600 00 > 
110 00 > 

2,175 00 ) 
570 00 £ 

1,280 00 
48,000 00 



630 00 

1,800 00 

400 00 
20,000 00 



$103,773 00 $59,302 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $39,857 05 
Loans on mortgage of real estate (first liens*), 332,800 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 
Cash 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 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



6,780 85 

1,013,102 00 

59,302 00 

1,384: 85 

209,492 74 

12,084 03 

30,000 00 



$1,704,803 52 



$12,880 00 

14,300 00 

5,500 00 

210,195 58 



242,875 58 

$1,461,927 94 

1,000,000 00 

$461,927 94 



Income. 

Cash received for fire premiums . . $367,004 49 

Deduct re-insurance and return premiums . 25,531 83 

Net cash received for fire premiums . . $341,472 66 

Interest received on bonds and mortgages .... 20,425 39 

Interest and dividends received from all other sources . 46,708 29 

Income from rents ........ 4.924 36 

Income from securities sold ...... 2,770 99 

Received for increased capital . . . $400,000 00 

Gross cash income ....... $416,301 69 



* Value of lands mortgaged $467,740 00 

Value of buildings thereon 425,000 00 

Amount of insurance held as collateral . . . 271,300 00 



1881.] 



INS. COS. OF OTHER STATES. 



279 



Expenditures. 

Cash paid for fire premiums . . . $179,207 30 
Deduct salvage and re-insurance . . 788 56 

Net cash paid for fire losses . . . 

Cash dividends paid 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and loca] taxes 

for incidentals ..... 

Gross cash expenditures .... 
Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year . 
Deduct amount re-insured . 

Net amount in force . 



$32,980,559 00 
36,783,637 00 

$69,764,196 00 
30,923,880 00 

$38,840,316 00 
335,755 00 



$178,418 74 
72,000 00 
50,202 15 
26,926 70 
9,755 21 
19,255 32 

$356,558 12 



Premiums. 

$344,517 81 
367,004 49 

$711,522 30 
303,006 75 



,515 55 
4,023 11 



,504,561 00 $404,492 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



53,404,537 63 

1,579,385 26 

677,000 00 

72,000 00 

176,185 86 

168,100 00 



NATIONAL FIRE INSURANCE COMPANY, NEW YORK, NY. 

[Incorporated 1838. Commenced business April 9, 1838.] 

Paid-up Capital, $200,000. 

Henry T. Drowne, President. Henry H. Hall, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds ..... 
130 shares National Bank of Commerce 
100 " American Exchange Nat'l Bank, 
150 " Manhattan Co. Bank 



Par value. 

$235,000 00 

13,000 00 

10,000 00 

7,500 00 



Market value. 

$260,437 50 
3 9,500 00 
12,500 00 
10,200 00 



$265,500 00 $302,637 50 



280 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $9,995 76 

Loans on mortgage of real estate (first liens*), 105,738 98 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company- 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Gross assets 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



3,023 30 
302,637 50 
5,496 03 
4,424 00 
3,020 00 
17,6S0 28 



$7,000 00 

12,500 00 

133,477 72 



$452,015 85 



152,977 72 

$299,038 13 
200,000 00 

$99,038 13 



Income. 

Cash received for fire premiums . . $310,928 07 

Deduct re-insurance and return premiums . 25,489 98 

Net cash received for fire premiums . . $285,438 09 

Interest received on bonds and mortgages .... 6,396 98 

Interest and dividends received from all other sources . 11,923 22 

Income from rents 868 80 

Gross cash income $304,627 09 



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 aud employes 

for state and local taxes 

for rent 

for incidentals . 

Gross cash expenditures 



$158,506 49 
3,514 62 



$154,991 87 
20,000 00 
58,517 S5 
29,808 28 
5,839 41 
3,000 00 
14,794 21 

S2S6,951 62 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$257,200 00 

142,400 00 



1881.] 



INS. COS. OF OTHER STATES. 



281 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$26,179,497 00 
34,772,955 00 

$60,952,452 00 
28,819,578 00 

,132,874 00 
209,733 00 



Premiums. 

$198,344 56 
308,884 91 

$507,229 47 
242,287 09 

$264,942 38 
2,278 57 



$31,923,141 00 $262,663 81 



Miscellaneous. 
Premiums received from re-organization of company . 
Losses paid from re-organization of company 
Cash dividends declared from re-organization of company 
Dividends declared during the year (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



53,377,087 91 

1,653,579 09 

950,056 00 

20,000 00 

163,191 87 

38,812 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. Henry Schoppe, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds 
Essex county bonds 
Newark city bonds 



Par value. 

$19,000 00 
19,000 00 
13,000 00 



Market value. 

$19,617 50 
19,910 00 
14,380 00 



$51,000 00 $53,907 50 



Summary of Assets Dec. 31, 1881. 



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 

Cash deposited in various banks 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Gross assets .... 



$97,625 00 

88,466 01 

1,752 71 

53,907 50 

7,462 66 

37,875 84 

352 81 

12,0S5 04 

491 66 



$300,019 23 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 

36 



$81,000 00 

161,600 00 

94,150 00 



282 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted unpaid .... 
claimed and reported 
disputed or resisted 
Unearned premiums on outstanding risks . 
Due and accrued for miscellaneous expenses 
Commissions and brokerage 
Return premiums ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$11,806 35 

6,300 00 

625 00 

75,491 81 

87 03 

2,656 27 

740 98 



Surplus over capital 



197,707 44 

8202,311 79 
200,000 00 

£2,311 79 



Income. 

Cash received for fire premiums . . §168, 401 59 

Deduct re-insurance and return premiums . 13,632 75 

Xet cash received for fire premiums . . §154,768 84 

Interest received on bonds and mortgages .... 5,809 51 

Interest and dividends receivecLfrom all other sources . 3,935 28 

Income from rents 3,384 72 

Gross cash income $167,898 35 



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 

for incidentals .... 

for repairs on real estate . 

Gross cash expenditures 



$108,691 44 
205 24 



$108,486 20 

33,305 48 

11,203 50 

5,862 16 

7,264 56 

1.454 64 

$167,576 54 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$12,855,534 00 
16,435,705 00 

$29,291,239 00 
15,789,097 00 

$13,502,142 00 
175,310 00 

$13,326,S32 00 $149,303 08 



Premiums. 

$143,186 47 
164,527 26 

6307,713 73 
156,957 40 



$150,756 33 
1.453 25 



1881.] 



INS. COS. OF OTHER STATES. 



283 



Miscellaneous. 

Premiums received from organization, of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



,513,310 00 

708,487 93 

172,641 42 

108,064 47 

77,700 00 



NEWARK FIRE INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

C. M. Woodruff, President. John J. Henry, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
National Newark Banking Co. stock 
National State Bank stock 
Newark City National Bank stock 
Mechanics' National Bank stock 
Mechanics' Insurance Company stock 
Morris and Essex Railroad stock 



Par value. 

-1206,000 00 

7,700 00 

11,400 00 

13,250 00 

4,550 00 

441 00 

10,000 00 



Market value. 

1218,020 00 

10,395 00 

12,312 00 

17,225 00 

441 00 

12,150 00 



1253,341 00 1270,543 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . 171,100 00 
Loans on mortgage of real estate (first liens*), 308,615 00 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule 
Cash in the office of the company 
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 
Due for re-insurance .... 
Gross assets .... 

Liabilities 
Losses adjusted unpaid 

claimed and reported 

disputed or resisted . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 



6,203 41 

270,543 00 

1,119 80 

45,480 31 

900 00 

20,300 84 

1,464 79 

591 25 

123 53 



1726,441 93 



1,207 47 

6,260 00 

2,900 00 

151,477 40 

8,515 21 



* Value of lands mortgaged $457,300 00 

Value of buildings thereon 451,500 00 

Amount of insurance held as collateral . . . 385,950 00 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due and accrued for rent, salaries, etc. 
Commissions and brokerage 
Return premiums .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$300 00 

2,723 54 

658 99 



8189,042 61 



Surplus over capital 



Income. 

Cash received for fire premiums . . $297,101 11 

Deduct re-insurance and return premiums . 45,622 89 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Gross cash income . 



$537,399 32 
250,000 00 

8287,399 32 



8251,478 22 

20,600 80 

17,143 16 

1,851 00 

8291,073 18 



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 incidentals .... 

for assessment Mechanics' National Bank 



$192,359 54 
7,351 14 



$185,008 40 
24,693 35 
44,090 93 
29,533 43 

6,084 48 

14.516 70 

4,558 22 

$308,485 51 



Gross cash expenditures .... 
Risks and Premiums. 

Preminms. 

$33,234,770 00 $2S3,9S1 45 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



29,256,639 00 2S4.433 48 



$62,491,409 00 $56S.414 93 
31,669,006 00 267,491 S9 



$30,822,403 00 $300,923 04 
850,394 00 8,104 13 



$29,972,009 00 $292,818 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,220,251 37 
729.318 47 
403,051 00 

25,000 00 
191,661 10 

23,645 00 



1881.] 



INS. COS. OF OTHER STATES. 



285 



NEW HAMPSHIRE FIRE INSURANCE COMPANY, MAN- 
CHESTER, N.H. 

[Incorporated 1869. Commenced business April, 1870.] 

Paid-up Capital, $250,000. 

James A. Weston, President. John C. French, Secretary. 



Detailed Statement of Stock 

United States bonds . 

Manchester city bonds 

St. Louis city bonds . 

Chicago city bonds 

Zanesville city bonds . 

Marietta city bonds . 

Concord city bonds . 

Michigan Air Line Railroad bonds 

Maine Central Railroad bonds . 

Burlington and Missouri Railroad bonds 

Chicago, Burlington, and Quincy R.R. bonds 

Jackson, Lansing, and Saginaw R.R. bonds 

Boston, Concord, and Montreal R.R. bonds 

Chicago, Clin., Dub., and Minn. R.R. bonds 

Marion county court-house (Ind.) bonds 

New Hampshire state bonds 

Hillsborough county (N.H.) bonds . 

Suncook Valley Railroad stock . 

Merchants' National Bank stock 



s, Bonds, etc 

Par value. 

$100,000 00 
. 51,700 00 
. 13,000 00 
. 10,000 00 
. 10,000 00 
. 10,000 00 
. 2,000 00 
. 10,000 00 
. 10,000 00 
. 10,000 00 
. 14,000 00 
. 10,000 00 
. 62,000 00 
. 10,000 00 
. 25,000 00 
. 10,000 00 
. 5,000 00 
. 4,000 00 
. 10,000 00 



Market value. 

$112,200 00 
61,500 00 
13,650 00 
12,000 00 
10,550 00 
11,000 00 
2,200 00 
11,500 00 
10,000 00 
12,000 00 
17,500 00 
11,500 00 
68,200 00 
10,700 00 
26,500 00 
12,500 00 
5,500 00 
4,400 00 
12,000 00 



$376,700 00 $425,400 00 



Securities held as collateral for cash loans : — 



mv ) 



People's Savings Bank, Manchester 
300 shares Boston Water Power Company 
1 share Amoskeag Manufacturing Company 
20 shares New York Central Railroad 
32 " Manchester and Lawrence Railroad 
100 " American Express Company 
100 " Chicago, Burl., and Quincy R.R. 
100 " Manchester National Bank 

8 " Manchester and Lawrence R.R. > 
40 " Phenix Insurance Company > 
17 u Pullman Palace Car Company . 
250 " Fort Scott and Gulf Railroad ^ 
100 " Atch., Top., and Santa Fe R.R. I 
75 " Manchester and Lawrence R.R. ) 



Market value. 

. $3,900 00 

. 2,500 00 
. 2,700 00 
. 5,120 00 
. 9,200 00 
. 13,500 00 
. 15,000 00 

. 4,366 00 
. 2,176 00 



Loaned thereon. 

$3,000 00 

1,562 50 
2,900 00 
2,000 00 
6,846 46 
12,000 00 
9,000 00 

3,000 00 
2,000 00 



36,000 00 25,000 00 



$94,462 00 



$67,308 96 



286 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 81, 1881. 
Cash value of unencumbered real estate . $5,085 84 

Loans on mortgage of real estate (first liens*), 39,296 86 



Stocks, bonds, etc., as per schedule . 
Loans on collateral security as per schedule, 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued .... 
Premiums in course of collection (net) 
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 

Surplus over capital 

Income. 

Cash received for fire premiums 

Deduct re-insurance and return premiums 

Net cash received for fire premiums . 

Interest and dividends received from all sources 

Gross cash income .... 

Expenditures. 
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 incidentals 

Gross cash expenditures . 



425,400 00 
67,308 96 
11,338 73 
39,382 08 
10,204 00 
20,176 51 



$26,613 62 

158,470 84 



$294,211 04 
34,478 52 



$618,192 98 



185,084 46 

$433,108 52 
250,000 00 

$183,108 52 



$259,732 52 
32,623 54 

$292,356 06 



$167,239 14 

20,000 00 

50,610 96 

9,602 87 

9,163 45 

12,314 26 

$268,930 68 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 



Preminms. 

23,643,339 00 $269,676 80 
22,470,350 00 259,732 50 



$46,113,689 00 $529,409 30 
•20,202,973 00 235,995 67 



$25,910,716 00 $293,413 63 



Total value of property mortgaged . 
Amount of insurance held as collateral 



$100,975 00 
37,150 00 



1881.] 



INS. COS. OF OTHER STATES. 



287 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



,819,870 49 
945,841 30 
184,000 00 

20,000 00 
178,732 70 

75,200 00 



NEW YORK BOWERY FIRE INSURANCE COMPANY, . 
NEW YORK, N.Y. 

[Incorporated April, 1833. Commenced business September, 1833.] 

Paid-up Capital, $300,000. 

John A. Delano y, Jun., President. Henry Griffen, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $700,000 00 $799,000 00 



Securities held as collateral for cash loans : — 

13 shares Globe Insurance Company (N.Y.) 
15 " United States Insurance Co. (N.Y.) 

5 " Standard Insurance Company (N.Y.) 
Chesapeake and Ohio Railroad bonds 
51 shares Importers' and Traders' Nat'l Bank 
67 " Michigan Central Railroad . . . 
13 " Manhattan Gas Company . 
20 " New York Fire Insurance Company 
50 " Oriental Bank .... 
United States bonds ..... 



Market value. 

$812 50 

500 00 

312 50 

1,020 00 

12,750 00 

5,829 00 

1,300 00 

2,100 00 

1,875 00 

1,035 00 



Loaned thereon. 

$1,000 00 

400 00 

6,900 00 

5,000 00 

2,800 00 

1,250 00 

1,000 00 



Summary of Assets Dec. 

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 
Cash dep'd in N'l Butchers' and Drovers' B'k 
Interest due and accrued .... 
Premiums in course of collection (gross) . 
Gross assets ..... 



$27,534 00 $18,350 00 

31, 1881. 

$54,600 00 

445 29 

799,000 00 

18,350 00 

9,244 36 . 

5,083 97 

568 83 

26,593 50 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$913,885 95 



$50,000 00 
65,500 00 
67,500 00 



288 FIRE, MARINE, AND FIRE-MARINE [Dec. 81, 



Liabilities. 

Losses claimed and reported . . . $19,000 00 

Unearned premiums on outstanding risks . 143,446 15 

Commissions and brokerage . . . 6,000 00 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital ......... 

Surplus over capital . . . . ... 

Income. 

Cash received for fire premiums . . $281,193 93 

Deduct re-insurance and return premiums . 8,053 13 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Profit on securities sold ....... 

Gross cash income ....... 

Expenditures. 
Cash paid for fire losses .... $172,248 06 
Deduct salvage and re-insurance . . 4,6S5 91 

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 incidentals . 

Gross cash expenditures 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$43,423,890 00 
51,536,585 00 

$94,960,475 00 
45,372,410 00 

$49,5S8,065 00 
842,746 00 



$168,446 15 

$745,439 80 
300,000 00 

$445,439 80 



$273,140 80 

3,831 35 

31,815 02 

9,004 76 

$317,791 93 



$167,562 15 
60,000 00 
30,434 40 
25,550 00 
4,488 43 
19,145 17 

$307,180 15 

Premiums. 

$227,788 59 
282,619 59 

$510,408 18 
230,240 67 

$280,167 51 
6,615 63 



$48,745,319 00 $273,551 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 . . 

Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$5,054,121 71 

1,910,288 36 

2,576,500 00 

60,000 00 

171,262 36 

75,025 00 



1881.] 



INS. COS. OF OTHER STATES. 



289 



NEW YORK FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

Daniel Underhill, President. Augustus Colson, Secretary. 

Detailed Statement of 



United States bonds . 

New York county bonds 

Long Island city bonds 

Mechanics' and Traders' Bank stock 

People's Bank stock . 

Tradesman Bank stock 

Marine Bank stock 

Mechanics' Bank stock 



Securities held as collateral for cash loans: — 

Oxford Iron Company bond 

16 shares Harlem Gas-Light Company 

7 " Manhattan Gas-Light Company 

4 " Eagle Fire Company . 



Stocks, Bonds, etc. 


Par value. 


Market value. 


$125,000 00 


$136,687 50 




5,000 00 


5,625 00 




10,000 00 


11,500 00 




5,500 00 


5,702 50 




2,825 00 


4,322 25 




3,680 00 


3,753 60 




3,000 00 


4,365 00 




1,175 00 


1,744 87 


$156,180 00 


$173,700 72 


oans : — 

Market value. 


Loaned thereon. 


$850 00 


$750 00 


560 00 j 
y . 630 00 \ 




650 00 


- 


384 00 


200 00 



$2,424 00 $1,600 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $105,900 00 
Loans on mortgage of real estate (first liens*), 91,350 00 

Interest due or accrued thereon . . . 2,308 75 

Stocks, bonds, etc., as per schedule . . 173,700 72 

Loans on collateral security as per schedule, 1,600 00 

Cash in the office of the company . . 4,894 57 

Cash deposited in Marine National Bank . 2,112 90 

Interest due and accrued .... 1,706 25 

Premiums in course of collection (gross) . 20,602 55 

Rents due and accrued .... 908 66 

Gross assets 

Liabilities. 

Losses adjusted unpaid .... $17,560 30 

claimed and reported . . . 8,537 00 

disputed or resisted . . . 212 00 

Unearned premiums on outstanding risks . 96,833 83 



$405,084 40 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 

37 



$90,000 00 
127,500 00 
118,900 00 



290 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Due and accrued for rent, salaries, etc. 
Due for borrowed money . 
State and local taxes . 
Commissions and brokerage 
Return premiums 

Gross liabilities, except capital 

Surplus as regards policy-holders . 



$150 00 




10,000 00 




777 03 




2,685 37 




374 74 







$137,130 27 



$267,954 13 



Paid-up capital 200,000 00 

Surplus over capital $67,954 13 



Income. 

Cash received for fire premiums . . $212,590 69 

Deduct re-insurance and return premiums . 7,996 42 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 



Gross cash income 



$204,594 27 
7,079 07 
7,620 37 
5,153 23 

$224,446 94 



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 interest on borrowed money . 

for incidentals .... 

Gross cash expenditures 



$145,230 43 
2,962 63 



$142,267 80 

20,000 00 

37,380 32 

16,457 12 

7,104 99 

30 00 

5,127 15 

. $228,367 38 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



$17,835,833 00 
27,125,205 00 

$44,961,038 00 
22,666,341 00 

$22,294,697 00 
183,632 00 



Premiums. 

$150,961 21 
231,459 92 

$382,421 13 
191,050 55 

$191,370 58 
1.241 59 



Net amount in force 



. $22,111,065 00 $190,128 99 



1881.] 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,434,395 00 

2,049,902 00 

1,326,000 00 

20,000 00 

156,000 00 

29,000 00 



NIAGARA INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital, $500,000. 

Peter Notman, President. Thomas F. Goodrich, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Jersey city bonds .... 
District of Columbia bonds 
Delaware and Hudson Canal Co. bonds 
Quincy, Alton, and St. Louis R.R. bonds 
250 shares American Exchange Nat'l Bank, 
Lake Erie and Western Railroad bonds 
Lafayette, Bl'gton, andMuncie R.R. bonds, 
Dundee Water Power and Land Co. bonds, 
Gulf, Colorado, and Sante Fe R.R. bonds . 
Ohio Central Railroad bonds 



Par value. 

$932,000 00 $1 
8,000 00 
10,000 00 
20,000 00 
50,000 00 
25,000 00 
15,000 00 
35,000 00 
20,000 00 
25,000 00 
25,000 00 



Market value. 

,118,990 00 
9,120 00 
10,900 00 
23,600 00 
50,000 00 
31,500 00 
16,125 00 
35,875 00 
21,600 00 
27,125 00 
24,687 50 



$1,165,000 00 $1,369,522 50 
Securities held as collateral for cash loans: — 



Buffalo, Bradford, and Pitts. R.R. bonds 
20 shares First Nat'l Bank, Stamford 



6 

86 

8 

100 

200 

15 

20 



N. Y., N. H., and H. R.R. 
Hanover Insurance Company 
Republic Insurance Company 
N. Y. Cent, and H. R. R.R. 
Chicago, St. Paul, and O. R.R. 
Sun Mutual Insurance Co. 
German American Ins. Co. 



Market value. 

$14,000 00 
4,020 00 



Loaned thereon. 

$4,500 00 
2,500 00 



)■ 40,370 00 32,000 00 



3,800 00 



$62,190 00 
Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $25,000 00 
Loans on mortgage of real estate (first liens *), 113,800 00 



1,800 00 
$40,800 00 



* Value of lands mortgaged $167,250 00 

Value of buildings thereon 59,750 00 

Amount of insurance held as collateral . . . 59,750 00 



292 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 National Park Bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Re-insurance due .... 

Gross assets * 
Deduct special deposits in other states 

Balance .... 

Liabilities 
Losses claimed and reported 
Losses disputed or resisted 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid 
Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$2,632 66 

1,369,522 50 

40,800 00 

2,257 21 

16,755 62 

19,754 00 

143,806 08 

1,235 25 



-81,735.563 32 
72,000 00 

. 81,663,563 32 



$58,293 16 
16,882 52 

474,508 46 

552 50 

45,000 00 

8595,236 64 
24,203 39 



571,033 25 

81,092,530 07 
500,000 00 

Surplus over capital 8592,530 07 

Income. 

Cash received for fire premiums . . 8850,422 72 

Deduct re-iusurance and return premiums . 112,608 57 

Net cash received for fire premiums . . 8737,814 15 

Interest received on bonds and mortgages . . . . -4 74 

Interest and dividends received from all other sources . 75,451 55 

Income from rents ........ 6,950 00 

Gross cash income 8825,600 44 



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 incidentals .... 

Gross cash expenditures 



8403,042 26 
43,258 67 



8359,783 59 

69,693 00 

134/212 97 

5S.SG2 00 

27.019 SO 

109,151 46 

9758,722 82 



f Including $250,000 special reserve fund held under New York law. 



1881.] INS. COS. OF OTHER STATES. 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

• Net amount in force . 



. $81,231,795 00 
. 111,238,445 00 

$192,470,240 00 
. 81,933,455 00 



$110,536,785 00 
. 4,802,900 00 



293 



Premiums. 

$748,565 61 
900,012 19 

$1,648,577 80 
700,648 65 

$947,929 15 
49,352 31 



$105,733,885 00 $898,576 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 (14 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$12,699,808 67 
6,979,008 17 
1,654,000 00 
70,000 00 
404,254 13 
207,850 00 



NORTH-WESTERN NATIONAL INSURANCE COMPANY, 

MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

Alexander Mitchell, President. John P. McGregor, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . . . . • . 
Milwaukee water bonds .... 
Milwaukee county bonds .... 
Milwaukee and St. Paul Railroad bonds . 
Chicago, Milwaukee, and St. P. R.R. bonds, 



Par value. 

$410,000 00 

150,000 00 

23,200 00 

15,000 00 

50,000 00 



Market value. 

$493,625 00 

183,000 00 

26,448 00 

20,250 00 

61,000 00 



Summary of Assets Dec. 

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 

Cash deposited in various banks 

Interest due and accrued . 

Premiums in course of collection (gross) 

Notes taken for marine and inland risks 



$648,200 00 $784,323 00 

31, 1881. 

$145,500 00 

1,619 18 

784,323 00 

8,086 72 

88,046 77 

423 12 

20,158 96 

1,154 50 



* Value of lands mortgaged $262,000 00 

Value of buildings tberebn 204,500 00 

Amount of insurance held as collateral . . . 122,750 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Board of Trade certificates 
Salvages, etc. 
Gross assets 



53,500 00 
3,467 75 



81,056,280 00 



Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Bills payable ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$16,993 66 

17,615 00 

1,800 00 

187,432 22 

677 92 

1,726 02 



Surplus over capital 



- 226,244 82 

. 8830,035 18 
600,000 00 

. 8230,035 18 



Income. 

Cash received for fire premiums . . 8320,414 17 

Deduct re-insurance and return premiums . 28,777 99 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $75,678 35 
Deduct re-insurance and return premiums, 9,297 21 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Gross cash income 



$291,636 18 



66,381 14 
10,717 10 
35,956 00 

$404,690 42 



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 .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidentals . 



$142,606 52 
131 11 

$49,501 91 
4,566 68 



$142,475 41 



44,935 23 
60,000 00 
49,967 83 
34.731 31 
8,640 88 
32,6SS 11 



Gross cash expenditures 



$373,488 77 



1881.] 



INS. COS. OF OTHER STATES. 



295 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 



$27,795,632 00 
35,211,896 00 

$63,007,528 00 
32,824,607 00 



$30,182,921 00 
283,995 00 



Premiums. 

$321,097 97 
326,234 72 

$647,332 69 
293,948 15 

$353,384 54 
1,776 94 



$29,898,926 00 $351,607 60 

$150,000 00 $2,000 00 
10,701,943 00 75,678 35 



$10,851,943 00 
10,773,943 00 



$77,678 35 
76,678 35 



$78,000 00 $1,000 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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 
Marine losses incurred during the year 



$4,373,188 93 

2,448,091 10 

387,000 00 

60,000 00 

150,313 19 

357,500 00 

49,680 75 



ORIENT INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $1,000,000. 

Selden C. Preston, President. George W. Lester, Secretary. 



Detailed Statement of Stocks 



504 shares American Nat'l Bank, Hartford, 

120 

130 

119 

139 

62 
182 
124 
324 

44 
100 
150 

50 



iEtna National Bank, Hartford 
Charter Oak Nat'l Bank, Hartford 
Farmers' and Mech. Nat'l B'k, H'd 
Mercantile Nat'l Bank, Hartford 
Phoenix National Bank, Hartford 
Exchange National Bank, Hartford 
City National Bank, Hartford . 
Hartford National Bank, Hartford 
First National Bank, Hartford . 
Conn. T. and S. Deposit Co., H'd 
Thames Nat'l Bank, Norwich . 
First National Bank, Norwich . 



, Bonds, etc. 

Par value. 

$25,200 00 
. 12,000 00 
. 13,000 00 
. 11,900 00 
. 13,900 00 
. 6,200 00 
. 9,100 00 
. 12,400 00 
. 32,400 00 
. 4,400 00 
. 10,000 00 
. 15,000 00 
. 5,000 00 



Market value. 

$37,800 00 
16,200 00 
18,330 00 
16,065 00 
18,070 00 
10,726 00 
14,378 00 
12,400 00 
55,080 00 
5,500 00 
10,500 00 
22,950 00 
5,900 CO 



296 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Tar value. 

6 shares Rockville National Bank, Rockville . $600 00 
75 " Metropolitan National Bank, N.Y. . 7,500 00 
300 " N. Y., N. H., and Hartford R.R. Co. 30,000 00 
400 " Cleveland and Pittsburg R.R. Co. .20,000 00 
Chicago, Milwaukee, and St. Paul R.R. bonds . 20,000 00 
Indianapolis and Cincinnati R.R. Co. bonds . 11,000 00 
Dayton and Michigan Railroad Co. bonds . . 25,000 00 
Vermont Valley Railroad Co. bonds . . . 25,000 00 
St. Johnsbury and Lake Champlain R.R. bonds, 15,000 00 
Peoria (111.) county bonds .... 5,000 00 
Pawtucket (R.I.) town bonds .... 25,000 00 
New Brunswick (N.J.) city bonds . . . 10,000 00 
Evansville (Ind.) city bonds .... 15,000 00 
Atlantic Dock Company bonds .... 9,000 00 
Norwich (Conn.) town bonds .... 60,000 00 
Lockport (N.Y.) city bonds .... 10,000 00 
Washington (Ind.) city bonds .... 15,000 00 
Indianapolis (Ind.) city bonds .... 20,000 00 
Des Moines (Io.) city bonds .... 10,000 00 
Hartford (Conn.) town bonds .... 4,000 00 
United States bonds 82,000 00 



Market value. 

1678 00 

12,825 00 
51,000 00 
27,600 00 
25,000 00 
12,100 00 
26,750 00 
26,250 00 
16,200 00 

5,500 00 
30,000 00 
10,500 00 
15,750 00 

9,630 00 
78,000 00 
11,500 00 
16,500 00 
21,000 00 
10,600 00 

4,280 00 
82,615 00 



$589,600 00 8738,177 00 



Securities held as collateral for cash loans: — 



iEtna National Bank, Hartford . 
iEtna National Bank, Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
iEtna Fire Insurance Co., Hartford . 
First National Bank, Hartford . 
Charter Oak Nat'l Bank, Hartford 
American National Bank, Hartford . 
Middlesex Co. Nat'l B'k, Middletown, 
Conn. Fire Insurance Co., Hartford . 
Conn. Fire Insurance Co., Hartford . 
Conn. Fire Insurance Co., Hartford . 
Conn. Fire Insurance Co., Hartford . 
Conn. Fire Insurance Co., Hartford . 
Nat'l Fire Insurance Co., Hartford 
Nat'l Fire Insurance Co., Hartford 
Phoenix Insurance Co., Hartford 
Adams Express Company . 
Adams Express Company . 



5 shares 


10 


(t 


10 


<( 


15 


(< 


4 


u 


3 


il 


3 


(( 


20 


CI 


2 


ll 


3 


(( 


5 


II 


15 


If 


7 


(I 


6 


(1 


10 


if 


20 


II 


6 


II 


12 


II 


25 


II 


16 


II 


10 


II 


7 


u 


24 


If 



Market value. 

$675 00 
1,350 00 i 
2,450 00 \ 
3,675 00 
980 00 
735 00 
735 00 
4,900 00 
490 00 ^ 



Loaned thereon. 

$300 00 
1,700 00 

2,520 00 
700 00 
450 00 
500 00 

3,000 00 



375 00 



705 00 
1,125 00J 

840 00 > 

840 00 j 
1,400 00 
2,800 00 

840 00 
1,680 00 
3,550 00 
2,272 00 
2,200 00 j 

1,001 oo ; 

3,432 00 



)- 1,880 00 



980 00 

1,088 00 

1,350 00 

350 00 

1,000 00 

600 00 

1,350 00 

1,800 00 

1.350 00 



1881.] 



INS. COS. OF OTHER STATES. 



297 



5 shares Adams Express Company 

28 shares Adams Express Company . 

Morris and Essex Railroad Company bonds 

Chicago and North- Western Railroad Co. bonds, 

Connecticut state bonds . 

Cleveland and Toledo Railroad Co. bonds . 

United States bonds ...... 

30 shares JEtna Life Insurance Company 



35 

14 

15 

5 

25 

100 

6 

40 

46 

10 

10 

10 

5 

4 

240 

10 



Connecticut General Life Ins. Co. 
Travelers' Life Insurance Company . 
Travelers' Life Insurance Company . 
Security Company, Hartford 
Hartford Trust Company 
Collins Company, Collinsville, Conn. 
American Screw Co., Providence, R.I. 
Nonotuck Silk Co., Northampton 
N. Y., N. H., and Hartford R.R. Co. 
N. Y., N. H., and Hartford R.R. Co. 
N. Y. Central and H. River R R. Co. 
N. Y. Central and H. River R.R. Co. 
Hartford Carpet Company, Hartford, 
Hartford Carpet Company, Hartford, 
Willimantic Linen Co., Hartford 
Rockville National Bank . 



Market value. 

$715 00 
4,004 00 
2,700 00 ] 
1,080 00. 
10,500 00 
3,300 00 
1,180 00 
5,100 00 
3,850 00 
3,500 00 
3,750 00 
575 00- 



Loaned thereon. 

$500 00 

5,000 00 

6,750 00 

3,000 00 

1,000 00 

1,200 00 

3,000 00 

2,500 00 

2,610 00 



2,625 00 



1,250 00 
1,350 00 J 
7,500 00 
7,820 00 
1,700 00 > 
1,330 00 | 
1,330 00 
1,375 00 
1,100 00 
21,600 00 
1,130 00 



y 4,050 00 



1,800 00 
5,000 00 

2,000 00 

900 00 

350 00 

1,000 00 

10,000 00 

450 00 



$129,414 00 $72,028 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $29,494 69 

Loans on mortgage of real estate (first liens*), 228,425 00 

Interest due or accrued thereon . . . 3,387 95 

Stocks, bonds, etc., as per schedule . . 738,177 00 

Loans on collateral security as per schedule, 72,028 00 

Cash in the office of the company . . 704 90 

Cash deposited in American Nat'l Bank . 289,808 29 

Interest due and accrued .... 12,997 72 

Premiums in course of collection (net) . 44,498 37 

Gross assets 



,419,521 92 



Liabilities. 



Losses adjusted unpaid 

claimed and reported 
disputed or resisted 



$5,477 27 

17,050 35 

1,961 40 



* Total value of property mortgaged . 
Amount of insurance held as collateral 

38 



$573,800 00 
195,940 00 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

$216,234 94 



Unearned premiums on outstanding risks 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$240,723 96 



. $1,178,797 96 
. 1,000,000 00 



$178,797 96 



Income. 

Cash received for fire premiums . . . $389,714 67 
Deduct re-insurance and return premiums, 40,625 48 

Net cash received for fire premiums . . $349,089 19 

Interest received on bonds and mortgages .... 9,967 15 

Interest and dividends received from all other sources . 38,833 38 
Received for increased capital . . . $500,000 00 

Gross cash income $397,889 72 



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 incidentals . 

Gross cash expenditures 



$200,204 58 
2,153 82. 



$198,050 76 
50,000 00 
54,647 82 
22,732 70 
8,412 71 
29,487 56 

$363,331 55 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$25,560,633 00 
35,012,400 00 

$60,573,033 00 
25,085,148 00 

$35,487,885 00 
560,269 00 



Premiums. 

$306,415 21 
396,156 15 

$702,571 36 
279,704 93 

$4:22,366 43 
9,045 28 



$34,927,616 00 $413,821 15 



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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,250,447 66 

1,681,787 43 

445,000 00 

50,000 00 

196,836 36 

79,600 00 



1881.] 



INS. COS. OF OTHER STATES. 



299 



ORIENT MUTUAL INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Feb. 18, 1854. Commenced business March 1, 1854.] 

Eugene Dutilh, President. Charles Irving, Secretary. 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $400,000 00 

United States bonds 234,000 00 

Cash deposited in various banks . . 52,901 75 

Interest due and accrued .... 2,000 00 

Premiums in course of collection (gross) . 38,304 93 

Notes taken for marine and inland risks . 195,241 36 

Re-insurance due 7,289 11 

Company's own scrip . $77,467 00 

Gross assets 

Liabilities. 

Losses adjusted unpaid .... $20,970 00 

claimed and reported . . . 39,000 00 

disputed or resisted . . . 11,000 00 

Unearned premiums on outstanding risks . 85,890 77 

Unpaid scrip ordered to be redeemed . 821 00 

Interest due or accrued on scrip . . 8,819 27 

Commissions and brokerage . . . 2,754 48 

Re-insurance premiums due . . . 4,864 23 

Gross liabilities, except scrip . . 

Surplus as regards policy-holders .... 
Scrip outstanding not ordered to be redeemed * . 

Surplus over scrip 

Income. 

Cash rec'd for marine and inl'd premiums, $691,252 25 

Deduct re- insurance and return premiums . 136,227 60 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 
Income from rents .... 



Gross cash income 

Expenditures 

Cash paid for marine and inland losses 

Deduct salvage and re-insurance 

Net cash paid for marine and inland losses 

Interest paid scrip-holders . 

Cash paid for commissions and brokerage 



$729,277 67 
220,749 16 



$929,737 15 



174,119 75 

$755,617 40 
593,203 00 

$162,414 40 



$555,024 65 

8,928 91 

29,157 00 

$593,110 56 



$508,528 51 
39,951 06 
30,995 83 



* Not including $77,467 held by company. 



300 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Cash paid for salaries of. officers and employes . . . 538,449 00 

for state and local taxes 17,149 38 

for incidentals 9,749 02 



Gross cash expenditures $644,823 76 

Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1880 . $32,306,318 00 $154,517 68 
Marine risks written during 1881 . . 104,703,697 00 547,453 59 



Total $137,010,015 00 $701,971 27 

Deduct risks expired and terminated . 130,067,195 00 616,080 50 



In force at end of year . . . $6,942,820 00 $85,890 77 

Miscellaneous. 

Premiums received from organization of company . $23,325,428 83 

Losses paid from organization of company . . . 12,528,474 13 

Marine and inland losses incurred during the year . . 509,262 95 



PACIFIC FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated April 26, 1851. Commenced business April 29, 1851.] 
Paid-up Capital, 8200,000. 
Thomas F. Jeremiah, President. Frank T. Stinson, Secretary. 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $70,000 00 
Loans on mortgage of real estate (first liens*) . 87,100 00 
Interest due or accrued thereon .... 698 25 

United States bonds 525,937 50 

Cash in the office of the company . . . 13,441 06 

Cash deposited in bank 4,304 88 

Interest due and accrued 618 75 

Premiums in course of collection (gross) . . 11,529 73 

Rents due and accrued 333 33 

Premiums more than three months due, $542 81 

Gross assets $713,963 50 

Liabilities. 

Losses adjusted unpaid $5,050 00 

claimed and reported .... 8,550 00 
disputed or resisted .... 700 00 



* Value of lands mortgaged $S5,000 00 

Value of buildings thereon 100,000 00 

Amount of insurance held as collateral . . . 94,700 00 



1881.] 



INS. COS. OF OTHER STATES. 



301 



Unearned premiums on outstanding risks . 
State and local taxes ..... 
Commissions and brokerage 

Gross liabilities, except capital 

Surplus as regards policy-holders 
Paid-up capital 



$110,968 31 
1,000 00 
2,688 51 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $211,769 31 
Deduct re-insurance and return premiums . 27,160 58 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income 



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 incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$104,816 62 
1,045 91 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$27,774,401 00 
34,107,850 00 

$61,942,251 00 
28,965,276 00 

$32,976,975 00 
621,913 00 



$128,956 82 

$585,006 68 
200,000 00 

$385,006 68 



$184,608 73 

5,698 33 

20,741 96 

2,779 50 

$213,828 52 



$103,770 71 
40,000 00 
32,720 63 
24,868 43 
8,983 12 
12,576 71 

$222,919 60 



Premiums. 

$166,780 82 
211,769 31 

$378,550 13 
157,383 35 

$221,166 78 
4,841 92 



$32,355,062 00 $216,324 86 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$3,616,858 00 

1,605,770 71 

1,078,000 00 

40,000 00 

112,995 71 

53,925 00 



302 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



PENNSYLVANIA FIRE INSURANCE COMPANY, PHILADEL- 
PHIA, PENN. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

John Devereux, President. John L. Thomson, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States loan $250,000 00 $256,350 00 

Philadelphia city loan 50,000 00 64,415 00 

Philadelphia, Wil., and Bait. R.R. loan . 110,000 00 107,300 00 

Philadelphia and Erie Railroad loan . . .50,000 00 52,500 00 

Pennsylvania Railroad Company loan . . 99,000 00 107,740 00 

United Companies of New Jersey loan . . 60,000 00 69,600 00 

Easton and Amboy Railroad Company loan . 50,000 00 54,000 00 

Philadelphia and Reading R.R. Co. loan . . 59,021 00 67,790 58 

Phila. and Reading Coal and Iron Co. loan . 20,000 00 14,200 00 

North Pennsylvania Railroad Company loan . 40,000 00 43,200 00 

Harris., Ports., and Mi. Joy R.R. Co. loan . 20,000 00 20,800 00 

Lehigh Valley Railroad Company loan . . 55,000 00 65,890 00 

Elmira and Williamsport Railroad Co. loan . 25,000 00 28,250 00 

West Jersey Railroad Company loan . . . 10,000 00 12,500 00 

Pennsylvania and New York Canal Co. loan . 24,000 00 30,000 00 

Delaware Railroad Company loan . . . 15,000 00 17,250 00 

Southern Central R.R. Co. of N. Y. loan . . 20,000 00 20,000 00 

Western Pennsylvania Railroad Co. loan . . 4,000 00 4,400 00 

Chicago and Western Indiana R.R. Co. loan . 30,000 00 32,400 00 

New York and Long Branch R.R. Co. loan . 25,000 00 25,000 00 

American Steamship Company loan . . . 15,000 00 16,050 00 

Schuylkill Navigation Company loan . . 20,700 00 19,622 00 

Lehigh Coal and Navigation Company loan . 49,000 00 53,330 00 

Chesapeake and Delaware Canal Co. loan . . 10,000 00 9,000 00 

Delaware Division Canal Company loan . . 20,000 00 20,000 00 

The Pennsylvania Company .... 19,000 00 20,520 00 

The Car Trust of Pennsylvania . . . 44,000 00 44,000 00 

The New Jersey Car Trust .... 15,000 00 15,000 00 

The' Central New Jersey Car Trust . . .16,000 00 16,000 00 

The New York and Pacific Car Trust . . 32,000 00 32,000 00 

Car Trust of New York 30,000 00 30,000 00 

New York, Pennsylvania, and Ohio Car Trust . 20,000 00 20,000 00 

Iron Mountain Car Trust 9,000 00 9,000 00 

Pennsylvania state loan 1,500 00 1,530 00 

Harrisburg city loan 18,000 00 21,240 00 

St. Louis city loan 25,000 00 29,500 00 

Camden county loan 12,000 00 13,0S0 00 

Cincinnati city loan 53,000 00 69,550 00 

Pittsburg city loan 60,000 00 73,780 00 



1881.] INS. COS. OF OTHER STATES. 303 

Par value. Market value. 

Newark city loan $20,000 00 $22,950 00 

200 shares Philadelphia National Bank . 20,000 00 43,000 00 

20 shares Manayunk Gas Company . . 1,000 00 1,000 00 

$1,526,221 00 $1,673,737 58 
Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

400 shares Pennsylvania Railroad Co. . $24,400 00 $23,000 00 

4 " Insurance Company State of Penn. . 1,296 00 700 00 

100 " Pennsylvania Railroad Company . 6,100 00 5,000 00 

200 " Lehigh Valley Railroad Company . 12,300 00 11,000 00 
386 " Catawissa Railroad Company . .20,844 00^ 

SI, 000 Lehigh Valley Railroad Company . . 1,330 00 C 20,000 00 
$2,000 Car Trust of New York . . . . 2,000 00) 

400 shares Pennsylvania Railroad Company . 24,400 00 } 04 n™ ™ 
$2,000 Texas and Pacific Railroad Company . 1,740 00 > 

100 shares Lehigh Valley Railroad Company . 6,150 00 } +? ™ ™ 

$12,000 Philadelphia and Reading Railroad Co. 11,760 00 > ' 

$4,000 Pennsylvania state 4,680 00 > 5 300 Q0 

$1,000 West Philadelphia Pass. R'y Co. . . 1,150 00 > 

90 shares Barclay Coal Company . . . 5,220 00 4,000 00 

65 shares Pennsylvania Railroad Company . 3,965 00 2,800 00 



$127,335 00 $110,800 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $113,000 00 
Loans on mortgage of real estate (first liens*), 249,070 00 
Interest due or accrued thereon . . . 4,857 54 

Stocks, bonds, etc., as per schedule . . 1,673,737 58 
Loans on collateral security as per schedule, 110,800 00 

Cash in the office of the company . . 463 41 

Cash deposited in Philadelphia Nat'l Bank, 19,062 30 

Interest due and accrued .... 753 22 

Premiums in course of collection (net) . 55,871 48 

Gross assets . • . . . . $2,227,615 53 

Deduct special deposit in Virginia 20,550 00 



Balance $2,207,065 53 

Liabilities. 

Net amount of unpaid losses . . . $53,328 02 
Unearned premiums on outstanding risks '. 381,444 90 
Reclaimable on perpetual fire policies . 437,275 00 

* Total value of property mortgaged .... $801,000 00 
Amount of insurance held as collateral . . . 215,167 00 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



State and local taxes ..... 

Gross liabilities, except capital . 
Deduct liability on special deposit 

Surplus as regards policy-holders . 
Paid-up capital 



$10,000 00 

$882,047 92 
8,400 00 



Surplus over capital* 

Income. 
Cash received for fire premiums . . 8716, 552 43 

Deduct re-insurance and return premiums . 62,261 (*4 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents . 

Income from perpetuals ...... 

Profit on securities sold ....*. 

Deposits received for perpetual fire risks . $24,455 68 



$873,647 92 

. $1,333,417 61 

400,000 00 



$933,417 61 



1,290 79 

14,342 92 

86,926 08 

250 00 

742 66 

9,688 37 



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 incidentals .... 
Deposits returned on perpetual fire risks . 

Gross cash expenditures 

Risks and Premiums. 



. $766,240 82 

1376,917 64 

40,000 00 
102,329 57 
92,551 06 
35,543 91 
11,460 28 



$9,720 80 



-,802 46 



Fire risks outstanding Dec. 31, 18S0 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 



Xet amount in force 
Perpetual risks in force 



. 859,840.297 
. 65,775.712 



Premiums. 

00 $693,562 91 
00 704,959 76 



$125,616,009 
59,692,706 



00$1,39S,522 67 
00 637,816 22 



$65,923,303 
1,239,330 



00 $760,706 45 
00 13,392 64 



$64,6S3,973 
17,943,263 

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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



00 $747,31 

00 463, S67 79 



$9,236,205 00 

6.245,307 00 

2,059,000 00 

40,000 00 

.245 66 

^.500 00 



1881.] 



INS. COS. OF OTHER STATES. 



305 



PEOPLE'S INSURANCE COMPANY, NEWARK, N.J. 

[Incorporated March 5, 1866. Commenced business Oct. 11, 1867.] 

Paid-up Capital, $300,000. 

George A. Halsey, President. J. H. Lindsley, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $122,000 00 $125,950 00 

Essex county improvement bonds . . 9,000 00 9,540 00 



$131,000 00 $135,490 00 



Securities held as collateral for cash loans : — 

Newark City Ice Company stock 
German National Bank stock 



Market value. Loaned thereon. 

$11,775 00 $7,000 00 
900 00 500 00 



$12,675 00 $7,500 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $166,905 94 
Loans on mortgage of real estate (first liens *), 97,430 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 
Cash deposited in various banks 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 

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 



3.499 22 
135,490 00 

7.500 00 
3,907 07 

39,523 23 

18,924 19 

1,700 83 



$16,373 74 

13,328 05 

1,625 00 

115,144 45 

600 00 



$474,880 48 



147,071 24 

$327,809 24 
300,000 00 

$27,809 24 



* Value of lands mortgaged $90,000 00 

Value of buildings thereon 117,550 00 

Amount of insurance held as collateral . . . 102,500 00 

39 



306 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums . . $247,900 65 

Deduct re-insurance and return premiums, 20,302 26 

Net cash received for fire premiums . . $227,598 39 

Interest received on bonds and mortgages .... 7,206 08 

Interest and dividends received from all other sources . 6,200 00 

Income from rents 5,816 17 

Gross cash income $246,880 64 



Expenditures. 

Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for fire losses 
Cash paid for redemption of scrip 

for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$164,823 52 
2,425 82 



$1G2,397 70 

28 00 

49,646 46 

10,990 31 

8,651 04 

7,754 00 

$239,467 51 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total . 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$20,644,962 00 
20,777,584 00 

$41,422,546 00 
21,158,131 00 

$20,264,415 00 
315,128 00 



Premiums. 

$228,906 48 
252,974 79 

$481,881 27 
248,380 57 

$233,500 70 
3,456 75 



$19,949,287 00 $230,043 95 



Miscellaneous. 
Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$2,863,125 74 

1,459,563 02 

224,200 00 

157,401 90 

121,800 00 



1881.] 



INS. COS. OF OTHER STATES. 



307 



PEOPLE'S FIRE INSURANCE COMPANY OF THE CITY OF 

NEW YORK, N.Y. 

[Incorporated 1851. Commenced business April 23, 1851.] 

Paid-up Capital, $200,000. 

F. V. Price, President. A. C. Milne, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 

Union Pacific Railroad bonds . 

Kansas Pacific Railroad bonds . 

Int. and Great Northern Railroad bonds 

120 shares Union Pacific Railroad 

100 " N. Y. Cent, and Hud. Riv. R.R 

100 " National Bank of Commerce 

100 " People's Bank . 

5 " Second Avenue Railroad . 



Par value. 

$179,000 00 
20,000 00 
20,000 00 
10,000 00 
12,000 00 
10,000 00 
10,000 00 
2,500 00 
500 00 



Market value. 

$212,623 75 
23,875 00 
20,600 00 
10,000 00 
14,040 00 
13,150 00 
15,000 00 
3,000 00 
700 00 



$264,000 00 $312,988 75 



Market value. 


Loaned thereon. 


. $3,600 00 


$2,400 00 


. 2,280 00 } 
. 1,190 00 > 


2,400 00 


280 00 


200 00 



Securities held as collateral for cash loans : - 

40 shares American M. U. Express Company 
Central Railroad of New Jersey bonds 

7 shares N. Y., N. H., and Hartford Railroad 

8 shares Mechanics' National Bank . 



$7,350 00 $5,000 00 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $16,500 00 
Interest due or accrued thereon .... 405 00 
Stocks, bonds, etc., as per schedule . . 312,988 75 
Loans on collateral security as per schedule . 5,000 00 
Cash in the office of the company . . . 445 22 

Cash deposited in bank 7,353 84 

Interest due and accrued ..... 3,587 00 
Premiums in course of collection (gross) . . 11,679 66 
Rents due and accrued . . . . . 50 00 
Prem's more than three months due . $232 20 

Gross assets $358,009 47 



Liabilities. 



Losses adjusted unpaid 
Losses claimed and reported 



. $1,000 00 
. 7,370 00 



* Value of lands mortgaged $30,000 00 

Value of buildings thereon 21,500 00 

Amount of insurance held as collateral . . . 14,200 00 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 



$46,153 36 

1,028 96 

1,903 50 

269 63 



Surplus over capital 

Income. 

Cash received for fire premiums . . . $98,256 31 

Deduct re-insurance and return premiums . 7,891 31 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Gross cash income 



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 incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$47,575 90 
2.147 53 



Fire risks outstanding Dec. 31, 1880 , 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Xet amount in force . 



810,135,532 00 
14,706,087 00 



$57,725 45 

8300,284 02 
200,000 00 

$100,284 02 



$90,365 00 

1,387 77 

11,189 73 

475 00 

$103,417 50 



S45,428 37 
20,000 00 
16,428 70 
10,174 11 
2,805 36 
10,241 38 

8105,077 92 



Premiums. 

$65,253 57 
103,350 77 



$24,841,619 00 $16S,604 34 
12.422.261 00 76,842 75 



812.419,358 00 
190,585 00 



$91,761 59 
1,519 61 



[2,228,773 00 $90,241 98 



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) 
Fire losses incurred during the year . . ' . 
Company's stock owned by directors .... 



$1,S93,933 54 

943,998 08 

43S.000 00 

20,000 00 

49,289 59 

49,600 00 






1881.] 



INS. COS. OF OTHER STATES. 



309 



PHENIX INSURANCE COMPANY, BROOKLYN, N.Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.] 

Paid-up Capital, $1,000,000. 

Stephen Crowell, President. Philander Shaw, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 

Tennessee state bonds 

North Carolina state bonds 

Mississippi state warrant . 

Virginia deferred certificate 

Kings county bonds . 

Brooklyn city bonds . 

Nassau Gas-Light Co., Brooklyn certificate, 

900 shares Nassau Gas-Light Co., Brooklyn, 

300 shares New York Mutual Gas- Light Co. 

People's Gas-Light Co., Brooklyn, bonds . 

590 shares People's Gas-Light Co., B'lyn, 

440 

100 

G5 

2,217 

80 

13 

500 

500 

200 

50 

75 

100 

87 

200 

250 

40 

80 

Houston and Texas Railroad bonds 



B'klyn Gas-Light Co., B'klyn, 
New York Gas-Light Co. 
Union Ferry Co., Brooklyn 
Brooklyn City Railroad . 
Commercial Bank, Brooklyn . 
Merchants' Nat'l Bank, N.Y. 
Metropolitan Nat'l Bank, N.Y. 
American Exch. N'IB'k, N.Y. 
Central National Bank, N.Y. 
Shoe and Leath. N'l B'k, N.Y. 
N'l B'k of the Republic, N.Y. 
St. Nicholas Nat'l Bank, N.Y. 
Nat'l Bank of Commerce, N.Y. 
Fourth National Bank, N.Y. . 
Mechanics' Bank of Brooklyn, 
Mechanics' Nat'l Bank of N.Y. 
National City Bank, Brooklyn, 



Par value. 

$1,000,000 00 
45,000 00 
10,000 00 
20,000 00 
14,772 33 

1,000 00 
21,000 00 
17,000 00 
22,500 00 
30,000 00 
62,000 00 

5,900 00 
11,000 00 
10,000 00 

6,500 00 
22,170 00 

4,800 00 

650 00 

50,000 00 

50,000 00 

20,000 00 

5,000 00 

7,500 00 
10,000 00 

8,700 00 
20,000 00 
12,500 00 

1,000 00 

4,000 00 

3,000 00 



Market value. 

,128,795 00 
34,200 00 

3,300 00 
20,000 00 

2,659 00 

1,140 00 
28,080 00 
17,000 00 
16,875 00 
27,000 00 
65,640 00 

2,478 00 
13,860 00 
11,250 00 
10,595 00 
45,448 50 

5,280 00 

845 00 

83,000 00 

62,500 00 

25,000 00 

6,750 00 
10,875 00 
12,100 00 
13,311 00 
25,000 00 
24,375 00 

1,500 00 
10,000 00 

3,540 00 



$1,495,992 33$1,712,396 50 



Securities held as collateral for cash loans 



Market value. Loaned thereon. 



20 shares Montauk Fire Ins. Co., Brooklyn . $1,200 00 



16 
40 
4 
10 
10 



Mechanics' Fire Ins. Co., Brooklyn . 1,240 00 { 

Mechanics' Bank, Brooklyn . . 3,900 00 

Nat'l Shoe and Leather Bank, N.Y. . 540 00 

New York Economical Printing Co. . 1,500 00 

Manhattan Fire Insurance Co., N.Y. 1,050 00 



$5,700 00 



1,000 00 
625 00 



Loaned thereon. 


$18,000 00 


1,100 00 


8,700 00 


1,200 00 


4,000 00 


1,800 00 


400 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Market value. 

130 shares Union Trust Company . . $20,000 00 \ 

16 " Nat'l Shoe and Leather Bank, N.Y. . 2,160 00 [■ 

25 " Lamar Fire Insurance Co., N.Y. . 2,000 00 > 

50 " Fireman's Trust Ins. Co., Brooklyn . 550 00 j 

7 " Market National Bank, N.Y. . ' . 847 00 \ 

People's Gas-Light Company, Brooklyn bonds . 16,050 00 

30 shares Standard Fire Insurance Co., N.Y. . 1,950 00 

Kings county bonds 5,750 00 

8 shares Home Fire Insurance Co., N.Y. . 1,280 00 j 

50 " Hamilton Fire Insurance Co., N.Y. . 1,050 00 £ 

5 " Amer. Exchange Fire Ins. Co., N.Y. . 565 00 
30 " Citizens' Bank, New York . . . 810 00 ^ 
25 " Hanover National Bank, New York . 3,375 00 C 3,000 00 
5 " Norwich and Worcester R.R. Co. . 500 00) 
5 " Chicago, Bur., and Quincy R.R. Co. . 635 00 500 00 

70 " Manhattan Fire Insurance Co., N.Y. . 7,350 00 6,000 00 

New York Elevated Railroad Co.'s bonds . . 10,000 00 7,000 00 

40 shares Williamsburg City Fire Insurance Co. 4,500 00 2,375 00 

100 shares Brooklyn Gas-Light Company . . 3,150 00 2.000 00 

Ohio Southern Railroad bonds .... 30,690 00 ) 
Indiana, Bloomington, and Western bonds . 30,000 00 \ o0 > 000 00 

$158,642 00 $113,400 00 

Summary of Assets Dec. 31, 1881.* 
Cash value of unencumbered real estate . $375,500 00 
Loans on mortgage of real estate (first liens |), 205,950 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 
Cash deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Rents due and accrued 
Re-insurance due from other companies 
Salvage on losses paid 
Gross assets . 
Deduct special deposits in other states 



Balance 



3,459 00 

1,712,396 50 

113,400 00 

1,401 62 

161,784 44 

5,384 42 

216,784 83 

14,532 21 

3,677 30 

2,529 55 

10,075 00 

82,826,874 87 

243,250 00 



. 62,533,624 87 



* The company holds, also, instalment premium notes to the amount of $2S1,629.70, 
which do not enter into nor form any part of the assets of the company, as no portion of 
them is earned. Whatever value is attached to them would necessarily he counterbalanced 
by the addition of an exactly equal amount to the re-insurance liability, the entire sum con- 
sisting of " unearned premiums." 

f Value of lands mortgaged $149,650 00 

Value of buildings thereon 263..100 00 

Amount of insurance held as collateral . . . 225,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



311 



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 . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



Surplus over capital 



$10,232 97 

147,556 51 

9,350 00 

1,141,110 07 

2,666 67 

4,312 15 

39 41 



$1,315,267 78 
66,096 22 



$1,249,171 56 

51,334,453 31 
1,000,000 00 



$334,453 31 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums . 
Net cash received for fire premiums . 
Cash rec'd for marine and inland premiums, 
Deduct re-insurance and return premiums . 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents ....... 

Gross cash income 



$1,843,517 50 
201,265 00 

$543,531 61 
116,751 43 



,642,252 50 



426,780 18 

13,655 19 

71,367 22 

8,600 87 



. $2,162,655 96 



Expenditures. 

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 . 

Cash paid for commissions and brokerage . 

for salaries of officers and employe's 

for state and local taxes 

for loss on sale of securities 

for incidentals .... 

Gross cash expenditures . . . 



$510,457 21 
154,506 12 



$721,546 14 



355,951 09 
100,000 00 
380,000 24 
173,712 59 
38,226 38 
20,492 34 
132,318 78 



.,922,247 56 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



PremiumB. 

8178,879,164 00 $1,792,049 03 
. 195,726,140 00 1,843,005 78 



$374,605,304 00 $3,635,054 81 
. 166,429,238 00 1,534,623 17 



8208,176,066 00 $2,100,431 64 
. 3,024,915 00 34,906 15 



$205,151,151 00 $2,065,525 49 



Marine risks outstanding Dec. 31, 1880 . $7,522,463 00 
Marine risks written during 1881 . . 103,869,523 00 



Total .... 
Deduct risks expired and terminated 

In force at end of year 



$24,614 15 
548,615 88 



8111,391,986 00 $573,230 03 
. 102,786,731 00 536,481 66 



(,605,255 00 $36,748 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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$34,343,473 56 
18,051,699 02 
2,314,000 00 
100,000 00 
747,357 81 
358,966 69 
135,350 00 



PHOENIX INSURANCE COMPANY, HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, 82,000,000. 

H. Kellogg, President. D. W. C. Skilton, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 







Par value. 


Market value. 


1,000 shares Hartford National Bank 


$100,000 00 


8170,000 00 


439 ■ 


■ Farmers' and Mech. Nat'l Bank . 43,900 00 


59,265 00 


812 « 


1 Mercantile National Bank 


. 81,200 00 


103,936 00 


162 ' 


1 Charter Oak National Bank 


. 16,200 00 


22,680 00 


200 ■ 


' City National Bank 


. 20,000 00 


19,400 00 


300 ' 


1 iEtna National Bank 


. 30,000 00 


39,300 00 


714 ' 


1 Phoenix National Bank . 


. 71,400 00 


122, SOS 00 


100 ■ 


1 Connecticut River Bank 


. 5,000 00 


5,500 00 


192 ' 


1 State Bank . 


. 19,200 00 


22,080 00 


1,000 ■ 


4 American National Bank 


. 50,000 00 


75,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



313 



285 shares National Exchange Bank 



Par value. Market value. 

114,250 00 $21,945 00 

250 " Hartford Trust Company . . . 25,000 00 25,750 00 

100 " Metropolitan JSTat'l Bank, N.Y. . 10,000 00 17,000 00 

180 " Merch. Exch. Nat'l Bank, N.Y. . 9,000 00 9,000 00 

100 " Manuf. and Merch. Bank, N.Y. . 1,000 00 500 00 

75 " Nat'l Shoe and Leather Bank, N.Y. . 7,500 00 10,500 00 

150 " Central Trust Company, N.Y. . . 15,000 00 30,000 00 

200 " New Britain National Bank . . 20,000 00 30,000 00 

400 " Waterbury National Bank . . 20,000 00 35,000 00 

112 " First Nat'l Bank, Wallingford . . 6,720 00 6,720 00 

100 " Citizens' National Bank, Cin. . . 10,000 00 15,850 00 

200 " Metropolitan Nat'l Bank, Cin. . . 20,000 00 25,000 00 

50 " Imperial Bank, Toronto, Ont. . . 5,000 00 6,650 00 

75 " Nat'l Gold B'k and Trust Co., S.F. . 4,950 00 1,000 00 

350 " Holyoke Water Power Company . 35,000 00 82,250 00 

500 " N. Y., N. H., and H. R.R. Co. . 50,000 00 87,500 00 

250 " Rensselaer and Saratoga R.R. Co. . 25,000 00 35,000 00 

400 " Chicago, R. I., and P. R.R. Co. . 40,000 00 53,200 00 

800 " Chicago, Burl., and Q. R R. Co. . 80,000 00 108,800 00 

200 " Chic, B., and Q. R.R. Co scrip . 20,000 00 25,000 00 

500 m Cleveland and Pittsburg R.R. Co. . 25,000 00 33,500 00 

50 " Pitts., Ft. W., and Chic. R.R. Co. . 5,000 00 6,750 00 

800 " Hart, and Conn. Valley R R. Co. . 80,000 CO 62,400 00 

500 " N. Y. Cent, and H. R. R.R. Co. . 50,000 00 66,000 00 

United States " 6s of 1881 " continued 3^s . 83,000 00 83,830 00 

United States " consols of 1907," 4s " . 100,000 00 118,625 00 

United States bonds, 4£s 1,200 00 1,374 00 

South Carolina "consols," 6s . . . .17,55137 18,604 45 

Tennessee state bonds, 6s 26,000 00 19,305 00 

Mississippi state bonds, 4s .... 20,000 00 19,000 00 

Hartford city bonds, 6s 10,000 00 10,300 00 

Detroit city bonds, 7s 50,000 00 57,500 00 

San Francisco bonds, 6s and 7s . . . . 19,000 00 20,900 00 

Jacksonville (111 ) bonds, 8s ... . 50,000 00 56,000 00 

New Britain water bonds, 7s ... 10,000 00 10,300 00 

New Britain town bonds, 5s 100,000 00 104,000 00 

Washington school dist. of Hart, bonds, 5s . 15,000 00 15,450 00 

Hannibal school (Mo.) bonds, 7s . . .20,000 00 21,000 00 

Avondale town (O.) bonds, 6s . . . . 16,000 00 16,800 00 

Atlantic Dock Company bonds, 7s . 75,000 00 76,875 00 

Contra Costa Water Company bonds, 8s . . 25,000 00 27,500 00 

Indianapolis and Cincinnati R.R. bonds, 7s . 51,000 00 57,120 00 

Connecticut Western Railroad bonds, 7s . . 20,000 00 6,100 00 

Hartford and Conn. Valley R.R Co. bonds, 7s . 20,000 00 20,000 00 

Harlem River and Pt. Chester R.R. bonds, 7s . 50,000 00 65,000 00 

Chicago and North-Western sinking fund, 6s . 50,000 00 54,500 00 

Erie Railway bonds, 7s ... 100,000 00 130,000 00 

Cedar Rapids, I. F., and N. W. R.R. bonds, 6s, 50,000 00 52,500 00 

40 



314 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Columbus and Western R.R. bonds, 6s 
Chicago and West. Ind. R.R. bonds, 6s 
Columbia and Greenville R.R. bonds, 6s 
Chic, Burl., and Q. R.R. Co. bonds, 4s 



Par value. Market value. 

$100,000 00 $105,000 00 

60,000 00 64,800 00 

50,000 00 53,250 00 

20,000 00 17,600 00 



$2,224,071 37 $2,738,517 45 



Securities held as collateral for cash loans : — 



252 shares X. Y., X. H., and H. R.R. Co. 



137 " Adams Express Company . 
328 " Travelers' Insurance Company . 

40 " Holyoke Water Power Company 

13 " Xat'l Bank of Commerce, X.Y. 

73 " Mercantile Xational Bank, Hartford . 
170 " Dayton and Mich. R.R. Co. pref. 

77 " Hartford Life and A. Ins. Co. . 

30 " Farmers' aud Mechanics' Xat'l Bank, 
113 " Hartford Carpet Company 

20 " iEtna Xational Bank 

32 " Lake Shore and Mich. So. R.R. Co. . 
198 " Willimantic Linen Company 

47 " First Xat'l Bank, Suffield, Conn. 

30 " Shaler & Hall Quarry Co., Portland . 

40 " Del, Lack., and West. R.R. Co. 

20 " Mechanics' Bank, New Haven . 

25 " Pennsylvania Railroad Company 

30 " Chicago, Rock L, and P. R R. Co. . 

11 u Chicago and Alton R.R. preferred . 

25 " Xational Park Bank, Xew York 
7 u Hartford Xational Bank . 

10 " Merchants' Xat'l B'k, Xew Haven . 
46 " Atchison, Top., and S. Fe R.R. Co. . 

520 " Russell and Erwin Manuf. Co. . 
19 " Wells, Fargo, & Co 

11 u Rensselaer and Saratoga R.R. Co. 
480 " Seth Thomas Clock Company . 

50 " iEtna Life Insurance Company . 
Shenandoah Valley R.R bonds, 7s . 
Shenandoah Valley R R. bonds, 6s, gold . 
U. S. $1,000 bonds, 1881, extended . 
Atlantic Dock Company, $1,000 bond 
Chicago and X.W. R R. $1,000 bond 
Ulster and Delaware Railroad Co. 
Xew Haven, Mid., and Wil. R.R. bond . 
Union Pacific R.R. sinking fund bond 
Xew Mexico and So. Pacific R.R. $1,000 bond . 
Chicago, Milwaukee, and St. Paul R.R. bond . 
St L , K. C , and N. R R. Co. 1st mort. gold . 



Market value. 

$44,100 00 
. 19,180 00 
. 80,560 00 
. 9,400 00 
, 1,950 00 
9,344 00 
. 10,200 00 
. 7,700 00 
4,020 00 
30,510 00 
2,600 00 
3,712 00 
17.424 00 
4,841 00 
7,500 00 
2.540 00 
1,300 00 
1,575 00 
3,960 00 
1.463 00 
4.250 00 
1,162 00 
580 00 
6,394 00 
65,000 00 
2.546 00 
1.540 00 
15,000 00 
8,500 00 
31,620 00 
4.750 00 
2,020 00 
1,020 00 
1,090 00 
1,000 00. 
2,140 00 
1,230 00 
2,290 00 
2,160 00 
1,130 00 



Loaned thereon. 

2,960 00 

7,390 00 

43,850 00 

4,680 00 

1,160 00 

3,380 00 

6,474 00 

3,690 00 

2,790 00 

80 00 

1,830 00 

3,240 00 

12.470 00 

2,500 00 

4,650 00 

900 00 

900 00 

200 00 

2,340 00 

450 00 

3,420 00 

210 00 

450 00 

4,500 00 

41,290 00 

1,350 00 

630 00 

12.000 00 

4,000 00 

30,690 00 

1,800 00 
900 00 

1,000 00 

00 

900 00 

•0 00 

1,710 00 

350 00 



1881.] 



INS. COS. OF OTHER STATES. 



315 



11 shares Home National Bank, Meriden 
21 " Meriden National Bank 

10 " Union Pacific Railroad Co. 
2 " National New Haven Bank 
10 " Hartford S. B. Insp. and Ins. Co. 
200 " Mechanics' National Bank, N.Y. 
8 " Hurlbut Nat'l Bank, Winsted 

12 " Adams Express Company . 
60 " Willimantic Linen Company 
30 " New York and Harlem R.R. Co. 

Ind. and Cincinnati Railroad Co. bonds 
8 shares Hartford Carpet Company . 
17 " Holyoke Water Power Company 
10 " National Exchange Bank . 
20 " State Bank .... 
Northern Pacific first mortgage bonds 



Market value. 

$1,320 00 

2,520 00 

1,175 00 

320 00 

700 00 

7,400 00 

1,200 00 

1,680 00 

5,280 00 

3,000 00 

2,240 00 

2,160 00 

3,995 00 

750 00 

2,200 00 

51,500 00 

20,155 00 

10,700 00 

10,250 00 

23,700 00 

19,800 00 

5,500 00 

18,000 00 

5,600 00 



145 shares Chicago, Burl , and Q. R.R. Co. 
100 " New York Elevated R.R. Co. . 
100 " Louisville and Nashville R.R. Co. 
300 " Denver and Rio Grande R.R. Co. 
200 " Central Pacific Railroad Co. 
200 " Meriden Gas-Light Company . 
150 " Home Nat'l Bank, Meriden 
200 " Billings and Spencer Company . 
200 " Corporation of P. and F. Corbin, New 

Britain 7,500 00 

1,300 shares N. Y. Cent, and H. R. R R. . 171,600 00 
New Haven and Northampton first mort. bonds, 14,040 00 
Texas and Pacific Railroad Company bonds . 4,500 00 
Erie second cons, bonds ..... 2,040 00 
Nevada Central Railroad bonds .... 16,000 00 
Chesapeake and Ohio R R. Co. bonds, 6s . . 1,100 00 
100 shares Central Pacific Railroad Co. . . 9,400 00 
100 " Hannibal and St. Jo. R.R. Co. pref. . 11,400 00 
100 " Western Union Telegraph Co. . . 8,200 00 
100 " Texas and Pacific Railroad Co. . 5,300 00 

100 " Lake Erie and Western R.R. Co. . 3,600 00 
Shenandoah Valley Railroad bonds, 6s . . 23,750 00 
113 shares N. Y. Cent, and H. R. R R. Co. . 14,916 00 



Loaned thereon. 

$2,550 00 
1,350 00 
6,970 00 
1,800 00 
6,750 00 

6,750 00 
1,800 00 

109,500 00 

18,000 00 

8,000 00 
167,000 00 



50,000 00 



29,500 00 



$913,792 00 $653,794 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $178,255 31 
Loans on mortgage of real estate (first liens*), 219,780 00 



* Value of lands mortgaged . 
Value of buildings thereon . 
Amount of insurance held as collateral 



$276,500 00 
208,500 00 
135,500 00 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



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 various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 

Deduct special deposits in other states 

Balance .... 



Liabilities 

Losses claimed and reported 

Losses disputed or resisted 

Unearned premiums on outstanding risks 

Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 



Surplus as regards policy-holders . 
Paid-up capital 



$5,607 00 

2,738,517 45 

653,794 00 

30,816 55 

292,164 85 

15,489 84 

204,280 67 

1,141 86 



- $4,339,847 53 
125,758 00 

. $4,214,089 53 



$132,487 14 

5,000 00 

1,053,201 37 

29,875 00 



$1,220,563 51 
26,813 17 



1,193,750 34 

53,020,339 19 
200,000 00 



Surplus over capital 



. $1,020,339 19 



Income. 

Cash received for fire premiums . . $1,794,229 79 

Deduct re-insurance and return premiums, 87,941 59 

Net cash received for fire premiums . . $1,706,288 20 

Interest received on bonds and mortgages .... 7,287 38 

Interest and dividends received from all other sources . 137,463 56 

Income from rents 4,105 64 

Received for increased capital . . . $1,000,000 00 



Gross cash income 



. $1,855,144 78 



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 incidentals .... 

Gross cash expenditures 



$886,551 31 

245,000 00 

275,254 62 

73,295 22 

46,532 88 

139,455 79 



$1,666,089 82 



1881.] INS. COS. OF OTHER STATES. 317 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1880 . $146,653,625 00 $1,666,723 41 
Fire risks written during 1881 . . 161,231,336 00 1,794,229 79 

Total $307,884,961 00 $3,460,953 20 

Deduct risks expired and terminated, 135,238,087 00 1,488,892 54 



In force at end of year . . $172,646,874 00 $1,972,060 66 

Miscellaneous. 

Premiums received from organization of company . $26,020,771 26 
Losses paid from organization of company . . . 15,367,943 67 



Cash dividends declared from organization of company 
Dividends declared during the year .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



2,765,000 00 
245,000 00 
904,546 77 
182,500 00 



PROVIDENCE WASHINGTON INSURANCE COMPANY, 
PROVIDENCE, R.I. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 

J. H. De Wolf, President. J. B. Branch, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $210,000 00 $254,695 00 

Union Pacific Railroad bonds . . . .10,000 00 11,775 00 

Boston city bonds 30,000 00 37,200 00 

New York, Providence, and Boston R.R. bonds, 10,000 00 13,000 00 

Rensselaer and Saratoga Railroad bonds . . 12,000 00 16,800 00 

Metropolitan Elevated Railroad bonds . . 10,000 00 10,000 00 

S. B. Buckner city of Chicago bonds . . 45,000 00 45,000 00 

50 shares National Bank of Commerce, N.Y. 5,000 00 7,500 00 

258 " New York Gas-Light Company . 25,800 00 23,220 00 

800 " American Nat'l Bank, Providence . 40,000 00 44,800 00 

1,600 " Blackstone Canal Nat'l Bank, Prov. 40,000 00 43,200 00 

300 " Commercial National Bank . .15,000 00 16,200 00 

500 " Merchants' National Bank . . 25,000 00 35,000 00 

200 " Mechanics' National Bank . . 10,000 00 15,000 00 

300 " National Bank of North America . 15,000 00 21,000 00 

300 " National Bank of Commerce . . 15,000 00 16,800 00 

200 " Weybosset National Bank . . 10,000 00 12,500 00 

500 " Providence Gas Company . .25,000 00 31,000 00 

50 " Providence Tool Company . . 5,000 00 3,500 00 

What Cheer Corporation (real estate), Prov. . 20,000 00 20,000 00 

Rhode Island Hospital Trust Co. account . . 13,000 00 13,000 00 



$590,800 00 $691,190 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1881. 



Stocks, bonds, etc , as per schedule . 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
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 

Dividends to stockholders unpaid 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$691,190 00 

44 41 

76,064 64 

4,106 64 

57,052 07 

62,045 33 



$14,262 14 

82,108 55 

6,697 98 

$103,068 67 
4,000 00 

$99,068 67 

267,072 06 

330 30 



Surplus over capital 

Income. 
Cash received for fire premiums . . $317,088 33 

Deduct re-insurance and return premiums . 46,883 83 

Net cash received for fire premiums . 
Cash rec'd for marine and inl'd premiums, $410,968 14 
Deduct re-insurance and return premiums . 75,539 56 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Income from profit and loss account ..... 



Gross cash income .... 

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 ..... 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



$147,500 01 
1,218 05 

$249,983 34 
13,517 07 



$890,503 09 



366,471 03 

$524,032 06 
400,000 00 



$124,032 06 



$270,204 50 



335,428 58 

32,918 10 

2,800 63 

$641,351 81 



$146,281 96 



236,466 27 
34,417 97 
90,7S7 99 
16,307 6S 
9,265 72 
34,675 86 

$56S,203 45 



1881.] 



INS. COS. OF OTHER STATES. 



319 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$23,781,520 00 $241,556 46 
37,202,001 00 325,151 95 



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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



,983,521 00 $566,708 41 
27,905,382 00 214,605 25 



$33,078,139 00 $352,103 16 
2,050,757 00 18,376 62 



$31,027,382 00 $333,726 54 



$2,486,143 00 
51,885,057 00 

$54,371,200 00 
50,983,094 00 

$3,388,106 00 
531,153 00 



$78,474 66 
436,212 08 

$514,686 74 
400,055 53 

$114,631 21 
13,063 53 



$2,856,953 00 $101,567 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 .... 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



£6,876,406 71 

3,583,340 07 

1,714,563 39 

32,000 00 

168,306 76 

241,209 58 

46,200 00 



RELIEF FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated September, 1855. Commenced business Dec. 18, 1855.] 

Paid-up Capital, $200,000. 

Henry Demarest, President. George W. Damon, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
District of Columbia bonds 
Rahway city bonds .... 
Harlem and Port Chester Railroad bonds 
Montgomery city bonds 



Par value. 

$170,000 00 

5,000 00 

10,000 00 

5,000 00 

9,500 00 



Market value. 

$192,300 00 
5,450 00 
6,000 00 
5,500 00 
8,500 00 



$199,500 00 $217,750 00 



320 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Securities held as collateral for cash loans : — 



60 " Safe Deposit Company, X.Y. 
40 " Chatham National Bank 



Market value. 



83 shares Hanover Insurance Company . . $6,847 50 



2,100 00 
1,200 00 



Loaned thereon. 

$4,450 00 
900 00 



$10,147 50 §5,350 00 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $8,000 00 

Loans on mortgage of real estate (first liens*), 35,237 81 



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 various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Gross assets .... 

Liabilities 
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 



746 76 
217,750 00 
5,350 00 
6,721 14 
3,425 88 
4,347 05 
23,877 08 



$1^,791 36 

70,79 t 7 85 

182 50 



$305,455 72 



87,771 71 

$217,684 01 
200,000 00 

$17,684 01 



Income. 
Cash received for fire premiums . . $180,109 95 

Deduct re-insurance and return premiums . 10,825 97 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Income from rents ........ 

Gross cash income ....... 



$169,283 98 

8,867 75 

430 00 

•178,581 73 



Expenditures. 
Cash paid for fire losses .... 
Deduct salvage and re-insurance 
Net cash paid for 'fire losses 
Cash dividends paid 



$97,975 31 
630 09 



$97,345 22 
20,000 00 



* Value of lands mortgaged $49,000 00 

Value of buildings thereon 37,000 00 

Amount of insurance held as collateral . . . 37,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



321 



Cash paid for commissions and brokerage . 

for salaries of officers and employes . 
for state and local taxes 

Gross cash expenditures .... 
Risks and Premiums. 



$37,571 33 

20,545 58 

5,606 94 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$13,117,832 00 
22,280,425 00 



$181,069 07 

Premiums. 

$89,550 00 
193,177 31 



$35,398,257 00 $282,727 31 
17,831,986 00 141,833 58 



$17,566,268 00 $140,893 73 
194,3S6 00 1,204 37 



. $17,371,882 00 $139,689 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 (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$4,339,794 59 

2,000,189 56 

511,000 00 

20,000 00 

100,193 58 

60,500 00 



ROCHESTER GERMAN INSURANCE COMPANY, ROCHES- 
TER, N.Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

Frederick Cook, President. Henry Norden, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $100,000 00 $113,968 75 

Rochester city bonds 20,000 00 28,400 00 



$120,000 00 $142,368 75 



Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $2,234 82 

Loans on mortgage of real estate (first liens*), 219,650 00 



Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule . 
Cash in the office of the company 
Cash deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 



6,734 50 

142,368 75 

3,304 02 

86,467 74 

313 23 

32,684 94 

27 50 



$493,785 50 



* Total value of property mortgaged 
41 



. $708,965 00 



322 FIRE, MARINE, AND 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 . 



$1,967 83 

8,4.65 00 

1,602 17 

143,884 81 

2,420 00 



Surplus over capital 

Income. 
Cash received for fire premiums . . $310,031 59 

Deduct re-insurance and return premiums . 50,392 18 

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 
Income from rents .... 
Income from profit and loss account . 



Gross cash income 



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 ..... 

Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$166,835 68 
2,455 44 

$6,040 52 
64 88 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$26,072,398 00 
31,289,678 00 

$57,362,076 00 
30,34S,882 00 

$27,013,194 00 
350,236 00 



$158,339 81 

$335,445 69 
200,000 00 

$135,445 69 



$259,639 41 

2,355 22 

17,333 43 

5,067 55 

228 25 

322 08 

$284,945 94 



$164,380 24 



5,975 64 
20,000 00 
51,264 64 
11,474 00 

8,923 54 
18,010 01 

$280,028 07 



Premiums. 

$250,072 00 
318,018 80 

$568,090 80 
2SS,051 07 

$2S0,039 73 
3,672 99 



$26,662,958 00 $276,366 74 



1881.] 



INS. COS. OF OTHER STATES. 



323 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated . 

In force at end of year 



$92,025 00 
419,734 00 

$511,759 00 
408,659 00 



Premiums. 

$668 00 
2,932 72 

$3,600 72 
2,490 57 



$103,100 00 $1,110 15 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,806,265 89 

893,745 21 

151,000 00 

20,000 00 

164,380 24 

5,975 64 

38,675 00 



RUTGERS FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

Edward B. Fellows, President. Joseph F. Hanford, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Forty-Second and Grand Street Railroad bonds . 
District of Columbia bonds 
100 shares Tradesmen's National Bank 
100 " Citizens' National Bank . 
25 " Leather Manufacturers' Nat'l Bank 



Securities held as collateral for cash loans: — 



25 shares City Fire Insurance Company 

30 

50 

10 

25 

20 

16 

12 

30 

25 

60 



Phoenix Fire Insurance Company 
People's Fire Insurance Company 
Stuyvesant Safe Deposit Company 
Knickerbocker Fire Insurance Co. 
Manhattan Life Insurance Co. . 
Howard Insurance Company 
New York Bowery Insurance Co. 
Stuyvesant Insurance Company . 
Peter Cooper Insurance Company 
Citizens' Insurance Company 



Citizens' Insurance Company scrip 



Par value 


Market value. 


. $6,000 00 


$6,900 00 


. 75,000 00 


80,250 00 


. 4,000 00 


4,400 00 


. 2,500 00 


2,750 00 


. 2,500 00 


3,800 00 


$90,000 00 


$98,100 00 


Market value. 


Loaned thereon. 


. $2,222 50 ' 




. 2,355 00 




. 3,000 00 


- $10,000 00 


. 1,000 00 




550 00 




. 4,200 00. 




960 001 




600 00 




937 50 
. 1,000 00 


4,000 00 


. 1,920 00 




600 00. 





324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



50 " German ia Bank 

260 " North River Insurance Company 

36 " Niagara Insurance Company 

43 " Hanover Insurance Company . 



Market value. Loaned thereon. 



5 shares American Exchange Insurance Co. . $550 00 



6,000 00 
7,040 00 
3,528 00 
3,440 00 



$450 00 
3,000 00 
4,000 00 
1,800 00 
2.500 00 



$39,903 00 $25,750 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $115,250 00 
Loans on mortgage of real estate (first liens*), 166,160 00 

Interest due or accrued thereon . . . 3,078 13 

Stocks, bonds, etc., as per schedule . . 98,100 00 

Loans on collateral security as per schedule, 25,750 00 

Cash in the office of the company . . 8,324 83 

Cash deposited in various banks . . 806 45 

Interest due and accrued .... 1,245 63 

Premiums in course of collection (net) . 1,333 47 

Rents due and accrued .... 274 50 
Prem's more than three mos. due, $932 79 

Gross assets ..... 



$420,323 01 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



822 50 

4,750 00 

44,662 91 



49,435 41 

$370,887 60 
200,000 00 

$170,887 60 



Income. 

Cash received for fire premiums . . $94,774 06 

Deduct re-insurance and return premiums . 7,419 46 

Net cash received for fire premiums . . $S7,354 60 

Interest received on bonds and mortgages .... 10, OSS 5S 

Interest and dividends received from all other sources . 5,716 10 

Income from rents . . . . . . . . 3,154 00 

Gross cash income $106,313 28 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$227,300 00 
IS'2,'200 00 
144,350 00 



1881.] 



INS. COS. OF OTHER STATES. 



325 



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 expenses on real estate 

for incidentals .... 

Gross cash expenditures 



$10,743 12 
27 00 



$40,716 12 

28,000 00 

14,406 11 

15,827 55 

6,975 92 

628 27 

6,240 67 

$112,794 64 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 , 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$15,178,164 00 
16,920,930 00 

$32,099,094 00 
18,351,002 00 

$13,748,092 00 
304,698 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 (14 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors 



Premiums. 

,146 62 
95,098 41 

£179,245 03 
89,565 28 

$89,679 75 
1,381 38 



$13,443,394 00 $88,298 37 



$2,331,313 68 

881,399 54 

832,000 00 

28,000 00 

36,669 00 

55,300 00 



SECURITY INSURANCE COMPANY, NEW HAVEN, CONN. 

[Incorporated 1841. Commenced business April, 1841.] 

Paid-up Capital, $200,000. 

Charles Peterson, President. H. Mason, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $10,000 00 $11,450 00 

Tradesmen's Nat'l Bank stock, New Haveu . 1,000 00 1,600 00 

Second National Bank stock, New Haven . . 12,200 00 19,520 00 

Merchants' National Bank stock, New Haven . 10,000 00 11,600 00 

New Haven County National Bank stock . . 6,000 00 8,100 00 

New Haven National Bank stock . . . 8,700 00 14,790 00 

Yale National Bank stock, New Haven . . 10,000 00 12,000 00 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



American Exchange Xat'l B'k stock, N.Y. 
Commerce National Bank stock, New York, 
N. Y., New Haven, and Hartf'd R.R. stock, 
Shore Line Railroad stock (Conn.) . 
New Haven and Northampton R.R. bonds, 
Chicago and Alton Railroad bonds . 



Par value. 

810,000 00 

5,000 00 

23,500 00 

6,100 00 

15,000 00 

16,500 00 



Market value. 

812,500 00 

7,500 00 

39,270 00 

9,455 00 

17,250 00 

16,665 00 



8134,000 00 8181,700 00 



Securities held as collateral for cash loans; 

Adams Express Company stock . 
N. Y., New Haven, and Hartf'd R.R stock, 
New York and New England R.R. bonds, 
Minneapolis and St. Louis Railroad bonds . 



Market value. Loaned thereon. 

829,000 001 



5,100 00 { 



2,255 00 | 
1,095 00 J 



> $30,000 oo 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), 848,850 00 

66 25 

181,700 00 

30,000 00 

111 21 

41,931 79 

788 50 

34,505 99 

7,688 80 

44 34 



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) 
Notes taken for marine and inland risks 
Re-insurance due .... 
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 

Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



81,920 07 

17,644 92 

750 00 



820,314 99 
2,040 00 

818,274 99 

87,065 77 

5,229 99 



$345,686 88 



110,570 75 

8235,116 13 
200,000 00 

835,116 13 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$10S,500 00 
49,600 00 



1881.] 



INS. COS. OF OTHER STATES. 



327 



Income. 

Cash received for fire premiums . . . $137,767 88 
Deduct re-insurance and return premiums . 10,058 42 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $128,836 61 
Deduct re-insurance and return premiums . 6,542 47 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from profit and loss account 

Gross cash income $265,810 03 



$127,709 46 



122,294 14 

1,722 25 

13,726 18 

358 00 



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 paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 

Gross cash expenditures 



$95,917 59 
12,774 90 

$149,260 21 
48,825 29 



$83,142 69 



100,434 92 

47,833 93 

18,818 90 

2,438 14 

$252,668 58 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$12,052,741 00 
14,033,003 00 



$26,085,744 00 
12,723,833 00 



$13,361,911 00 
658,845 00 



Premiums. 

$140,140 95 
143,286 78 

$283,427 73 
140,866 25 

$142,561 48 
9,061 17 



$12,703,066 00 $133,500 31 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$955,428 00 $17,232 80 
24,168,176 00 132,264 98 



$25,123,604 00 $149,497 78 
23,930,323 00 120,396 99 



,193,281 00 $29,100 79 
24,000 00 380 60 



,169,281 00 $28,720 19 



328 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 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



^2,969,101 30 

2,135,811 89 

272,281 00 

79,650 54 

104,166 83 

32,900 00 



STANDARD FrRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated March 26, 1859. Commenced business March 29, 1859.] 

Paid-up Capital, 8200,000. 

William M. St. John, President. Robert H. Myers, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. Market valoe. 

United States bonds $315,000 00 $322,612 60 

Securities held as collateral for cash loans: — 

Market value. Loaned thereon. 

200 shares Chicago and North- West'n R.R. $25,000 00 ) 

Chicago and North- Western R.R bonds . 6,150 00 i -*25,000 00 

100 shares N. Y. Central and H. R. R.R. . 13,300 00 ^ 

100 shares Chicago, R. L, and Pacific R R. 13,200 00 ! 

Keokuk and Des Moines Railroad bonds . 5,000 00 , 

Cent. Park, North and E. River R.R. b'ds, 5,500 00 j 



$68,150 00 $55,000 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $15,180 62 
Loans on mortgage of real estate (first liens *), 24,750 00 

Interest due or accrued thereon . . . 127 50 

Stocks, bonds, etc., as per schedule . . 322,612 60 

Loans on collateral security as per schedule, 55,000 00 

Cash in the office of the company . . 1,395 77 

Cash deposited in Union Trust Company . 8,954 72 

Interest due and accrued .... 1,837 40 

Premiums in course of collection (gross) . 12,229 10 

Gross assets f $442,087 71 



* Value of lands mortgaged $20,700 00 

Value of buildings thereon 29,700 00 

Amount of insurance held as collateral . . . 24,700 00 

t Including $78,000 special reserve fund, held under New York law. 



1881.] 



INS. COS. OF OTHER STATES. 



329 



Liabilities. 






Losses adjusted unpaid .... 


$2,640 40 




claimed and reported 


32,862 00 




disputed or resisted 


808 75 




Total amount of losses .... 


$36,311 15 




Less re-insurance ..... 


13,000 00 




Net amount of unpaid losses 


$23,311 15 




Unearned premiums on outstanding risks . 


58,404 20 




Due and accrued for rent, salaries, etc. 


700 00 




State and local taxes ..... 


745 69 




Commissions and brokerage 


1,926 73 




Return premiums ..... 


969 61 




Gross liabilities, except capital . 




$86,057 38 


• • • 


Surplus as regards policy-holders . 


$356,030 33 




• • • 


200,000 00 


Surplus over capital 


$156,030 33 


Income. 






Cash received for fire premiums 


$121,198 48 




Deduct re-insurance and return premiums . 


13,639 11 




Net cash received for fire premiums . 
Interest received on bonds and mortgages . 




$107,559 37 
1,675 97 


... 


Interest and dividends received from all other sources 


18,588 83 


Income from rents .... 


. . . 


1,103 00 


Income from profit? on sale of real estate . 


... 


176 37 


Gross cash income .... 


$129,103 54 


Expenditures. 




Cash paid for fire losses 


$62,107 89 




Deduct salvage and re-insurance 


356 20 




Net cash paid for fire losses 

Cash dividends paid .... 




$61,751 69 
24,920 00 


■ . . . 


Cash paid for commissions and brokerage 


. . 


17,296 74 


for salaries of officers and employes . 


14,314 34 


for state and local taxes 


. . . • 


2,769 15 


for incidentals . 


» . . . 


11,575 54 


Gross cash expenditures 


$132,627 46 


Risks and Premiums. 








Premiums. 


Fire risks outstanding Dec. 31, 1880 . 


$13,327,975 00 


$106,527 60 


Fire risks written during 1881 . 


17,679,899 00 


123,962 40 


Total 


. $31,007,874 00 


$230,490 00 


Deduct risks expired and terminated . 


. 16,034,870 00 


111,866 14 


In force at end of year 


. $14,973,004 00 


$118,623 86 


Deduct amount re-insured . 


859,573 00 


3,019 46 


Net amount in force . 
42 


$14,113,431 00 


$115,604 40 



330 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 .... 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



82,423,104 34 

1,389,878 63 

483,020 00 

24,920 00 

80,257 22 

46,450 00 



STAR FIRE INSURANCE COMPANY, NEW YORK, N.Y. 

[Incorporated Dec. 2, 1864. Commenced business Dec. 2, 1864.] 

Paid-up Capital, £500,000. 

Nicholas C. Miller, President. James M. Hodges, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 

50 shares Nassau Bank 

45 shares German-American Bank 



Par value. 

$465,000 00 
. 5,000 00 
. 3,375 00 



Market value. 

$497,550 00 
5,150 00 
3,206 25 



$473,375 00 $505,906 25 



Securities held as collateral for cash loans : — 

11 shares Shoe and Leather Bank 
50 " North River Bank . 

6 " Park Fire Insurance Company . 
Richmond county bond . . . . . 
40 shares Pacific Fire Insurance Company . 
10 " Importers' and Traders' Ins. Co. 
20 " Rutgers Insurance Company 
20 " American Insurance Company . 
20 " Citizens' Insurance Company 
Citizens' Insurance Company scrip . 
45 shares German- American Bank 
60 " Central Railroad of New Jersey . 

5 " New Jersey Railroad and Trans. Co. . 
14 " N. Y., New Haven, and Hartford R.R. 
Central Railroad of New Jersey bonds 
22 shares Washington Life Insurance Company, 
10 " German- American Bank 
20 " Hoffman Insurance Company 
10 " American Exchange Bank . 
26 " New York City Insurance Company . 
Chesapeake and Ohio Railroad bonds 
Chicago, St. Paul, M., and O. R.R. bonds 
Dry Dock and East Broadway Railroad bonds . 
Nevada Central Railroad bonds . . . . 



Market value. 

$1,408 00 
1,500 00 > 
750 00 ) 
540 00 
2,150 00 
500 00 
750 00 
1,600 00 
640 00 
140 00 J 
3,138 75] 
5,340 00 I 
925 00 [ 
2,387 00 | 
3,978 00 J 
1.210 00 
1,910 00 

700 00 > 
1,250 00 £■ 
1,590 00) 
2,060 001 
10,200 00 ' 
4,640 00 , 
2,060 00 j 



Loaned thereon. 

$1,100 00 
1,800 00 
400 00 



y 4,500 00 



12,400 00 



1,000 00 
1,000 00 

3,200 00 



} 15,000 00 



1881.] 



INS. COS. OF OTHER STATES. 



331 



Market value. Loaned thereon. 



New York, Lake Erie, and Western R.R. bonds, $1,000 00 
Lehigh and Wilkesbarre Coal Company bonds . 1,100 00 
200 shares Harrnibal and St. Joseph Railroad . 22,600 00 



$20,000 00 



$76,066 75 $60,400 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate 

Loans on mortgage of real estate (first liens*), 

Iuterest 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 various banks 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Gross assets .... 

Deduct special deposits in other states 



Balance 



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 

Due for re-insurance .... 

Due and accrued for rent, salaries, etc. 

State and local taxes .... 

Commissions and brokerage 

Return premiums .... 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 

Impairment of capital . 



31, 1881. 

$20,000 00 

155,075 00 

5,019 71 

505,906 25 

60,400 00 

10,338 38 

59,915 58 

1,062 00 

76,051 75 

2,232 48 



,541 62 
18,960 00 
500 00 

$64,001 62 
198 28 

$63,803 34 

181,082 02 

125,625 65 

2,500 00 

1,125 00 

4,550 00 

149 72 

$378,835 73 
8,144 45 



$896,001 15 
68,700 00 

$827,301 15 



370,691 28 

$456,609 87 
500,000 00 

$43,390 13 



* Total value of property mortgaged . 
Amount of insurance held as collateral 



$382,500 00 
148,800 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Cash received for fire premiums . . $805,686 57 

Deduct re-insurance and return premiums . 197,579 95 

Net cash received for fire premiums . . 8608,106 02 

Interest received on bonds and mortgages .... 7,801 00 

Interest and dividends received from all other sources . 23,123 90 

Income from rents 1,210 09 

Gross cash income $610,241 61 



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 incidentals .... 

Gross cash expenditures 



8373,578 89 
25,809 58 



$317,769 31 
45,000 00 
76,047 87 
31,561 18 
11,657 85 
90,610 44 

8602,646 65 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

. 845,150,311 00 $384,323 79 

. 80,425,379 00 S20,246 02 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



8125,575,690 00 81,204,569 81 
. 56,920,312 00 481,008 93 



. 868,655,378 00 8723,560 88 
. 35,203,861 00 371,339 75 



. 833,451,517 00 8352,171 13 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



83,352,750 39 
1,784,224 14 

390,791 77 

45,000 00 

36S,092 00 

106,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



333 



$419,750 27 



STERLING FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

[Incorporated Jan. 18, 1864. Commenced business Jan. 18, 1864.] 

Paid-up Capital, $350,000. 

Andrew L. Soulard, President. Louis P. Bayard, Secretary. 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens *), $51,000 00 

Interest due or accrued thereon . . . 255 00 

United States bonds . . . . . 357,073 75 

Cash in the office of the company . . 1,135 83 

Cash deposited in Nat'l Bank of Commerce, 3,080 90 

Premiums in course of collection (gross) . 7,204 79 
Gross assets .... 

Liabilities 

Losses claimed and reported . . . $5,200 00 

Unearned premiums on outstanding risks . 35,417 75 

Due and accrued for rent, salaries, etc. . 291 66 

State and local taxes ..... 420 00 

Commissions and brokerage . . . 900 59 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital ...... 

Income. 

Cash received for fire premiums . . . $90,334 45 

Deduct re-insurance and return premiums , 17,940 46 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Gross cash income 



42,230 00 

$377,520 27 
350,000 00 

$27,520 27 



$72,393 99 

3,204 67 

14,556 34 

,155 00 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes . , 
for incidentals , « 

Gross cash expenditures 



55,381 98 
2,S03 92 



$62,578 06 

647 95 

10,802 07 

17,433 33 

3,230 59 

14,116 03 

$108,808 63 



* Value of lands mortgaged $71,600 00 

Value of buildings thereon 51,000 00 

Amount of insurance held as collateral . . 41,230 00 



334 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Deduct risks expired and terminated . 



$12,683,672 00 
19,495,081 00 

$32,178,753 00 
15,853,182 00 

$16,325,571 00 
4,037,009 00 



Premiums. 

$76,807 77 
92,410 13 

8109,217 90 
84,959 35 

$84,258 55 
14,726 23 



$12,288,562 00 $69,532 32 



$33,500 00 
33,500 00 



$1,216 25 
1,216 25 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$1,098,733 00 

500,425 00 

261,000 00 

56,209 35 

647 95 

85,200 00 



ST. PAUL FIRE AND MARINE INSURANCE COMPANY, 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced business May, 1S65.] 

Paid-up Capital, $400,000. 

C. H. Bigelow, President. C. B. Gilbert, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par value. 

United States bonds $50,000 00 

270 shares First National Bank, St. Paul . . 27,000 00 
240 " Merchants' National Bank, St. Paul, 24,000 00 



30 " First National Bank, St. Peter . . 3,000 00 
St. Paul and Sioux City Railroad Co. stock . 3,000 00 
St. P. and Sioux City R.R. Co. land contracts . 951 75 
Chicago, St. Paul, M., and O. R.R. bonds . 10,000 00 

300 shares St. P. Warehouse and Elevator Co. . 15,000 00 
St. Paul Warehouse and Elevator Co. bonds . 10,000 00 
200 shares St. Paul Harvester Company . . 10,000 00 

Minneapolis city bonds 1,500 00 

Stillwater city bonds 10,000 00 

Mankato city bonds 8,500 00 

Detroit town bonds 4,277 00 

Vernon Centre town bonds .... 7,500 00 



Market value. 

859,000 00 

40,500 00 

33,600 00 

3,450 00 

1,485 00 

951 75 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

1.650 00 

11,000 00 

8,500 00 

4.704 70 

7,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



335 



Jo. Davies town bonds 

Elmore town bonds . 

Garden City town bonds . 

Winnebago City town bonds 

Pilot Grove town bonds 

Oakwood town bonds 

Blue Earth City town bonds 

Granite Falls town bonds . 

Fargo (D.T.) orders . 

Pine county bonds 

Rock county bonds . 

Cass county bonds 

Ramsey county bonds 

Aitken county bonds . 

Yellow Medicine county bonds 

Yellow Medicine county orders 

Barnes (D.T.) county bonds 

Grand Forks (D.T.) county bonds 

Cass (D.T.) county orders 

Barnes (D.T ) county orders 

Otter Tail (Minn.) (school district) bonds 



Securities held as collateral for cash loans: 



100 shares First Nat'l Bank, St. Paul 



Par value. 

$5,500 00 
6,500 00 
7,000 00 

15,000 00 
5,000 00 
7,500 00 

36,000 00 
1,500 00 
1,997 61 
7,757 00 

24,000 00 
7,400 00 
1,000 00 
3,200 00 
800 00 
4,469 33 

30,000 00 

4,000 00 

4,254 00 

249 87 

500 00 



Market value. 

$5,500 00 
6,500 00 
7,000 00 

15,000 00 
5,000 00 
7,500 00 

36,000 00 
1,500 00 
1,997 61 
8,532 70 

27,600 00 
8,140 00 
1,100 00 
3,520 00 
800 00 
4,469 33 

31,800 00 

4,200 00 

4,254 00 

249 87 

500 00 



$358,356 56 $398,504 96 



85 
200 

15 

1,288 

920 

80 

500 

100 



Second National Bank, St. Paul 
Merchants' Nat'l Bank, St. Paul . 
Savings Bank, St. Paul . 
Lumberman's Xat'l B'k, Stillwater, 



Market value. 

$15,000 00 
, 17,000 00 
. 28,000 00 
, 5,750 00 
6,250 00 



St. Paul and Sioux City R.R. Co. . 64,400 00 



St. Paul Harvester Works 
St. Paul Manufacturing Co. . 
Pioneer Press Company . 
Stillwater Gas-Light Company 



Cass county bonds 
Aitken county bonds . 



34,500 00 
2,000 00 

25,000 00 
2,500 00 
2,000 00 
4.000 00 



Loaned thereon. 

$10,000 00 

11,000 00 

20,000 00 

4,600 00 

5,000 00 

51,111 44 

26,000 00 

1,512 00 

12,375 00 

1,500 00 

1,000 00 

3,000 00 



$206,400 00 $147,098 44 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $102,614 21 
Loans on mortgage of real estate (first liens*), 82,684 88 
Interest due or accrued thereon . . . 2,540 50 

Stocks, bonds, etc , as per schedule . . 398,504 96 



* Value of lands mortgaged $105,000 00 

Value of buildings thereon 101,200 00 

Amount of insurance held as collateral . . . 84,150 00 



336 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security as per schedule, 
Cash in the office of the company- 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in coarse 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 
Commissions and brokerage 

Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital 



$147,098 44 

1,489 53 

86,806 62 

14,477 58 

32,837 03 

4,113 64 

559 81 



$11,877 79 
17,147 63 

2,550 00 
272,175 74 

4,258 35 



173,727 20 



308,009 51 

$565,717 69 
400,000 00 



35,717 69 



Income. 

Cash received for fire premiums . . $483,514 40 

Deduct re-insurance and return premiums . 66,007 19 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $87,967 53 
Deduct re-insurance and return premiums, 9,504 12 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents ........ 

Gross cash income . 



$417,507 21 



78,463 41 
3,808 32 

45,650 20 
6,319 59 

$551,748 73 



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 ..... 



$303,973 90 
12,625 33 

$69,168 69 
12,509 o." 



$291,348 57 



56,658 82 
40,000 00 



* The company holds, also, instalment premium notes to the amount of $186,199.25, -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 he attached to them would necessarily he counterbalanced 
by the addition of an exactly equal amount to the re-insurance liability, the entire sum con- 
sisting of " unearned premiums." 



1881.] 



INS. COS. OF OTHER STATES. 



337 



Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 



In force at end of year 

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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



$74,521 35 
27,116 46 
10,363 73 
29,329 77 

$529,338 70 

Premiums. 

$484,398 02 
478,137 96 

$962,535 98 
430,798 79 

$531,737 19 
17,093 01 

$514,644 18 

$3,405 02 
87,472 13 

$90,877 15 
84,577 31 

$234,750 00 $6,299 84 



$38,571,449 00 
37,229,483 00 

$75,800,932 00 
33,104,809 00 

$42,696,123 00 
1,074,511 00 

$41*621,612 00 

$145,100 00 
13,839,420 00 

$13,984,520 00 
13,749,770 00 



&5,311,192 65 

3,576,781 81 

526,696 49 

40,000 00 

278,131 89 

45,058 59 

229,200 00 



TRADE INSURANCE COMPANY, CAMDEN, N.J. 

[Incorporated March 21, 1872. Commenced business July 1, 1873.] 

Paid-up Capital, $200,000. 

Edmund May, President. William B. Sickler, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $40,000 00 $41,500 00 

Camden and Atlantic Railroad bonds . . 2,000 00 2,300 00 

Camden Horse Railroad bonds .... 3,000 00 3,300 00 

Camden Board of Education bonds . . . 4,000 00 4,000 00 

43 shares Delaware Transportation Company . 2,150 00 2,150 00 

125 " American Dredging Company . .12,500 00 8,750 00 

13 « New Jersey Mining Company . . 1,-300 00 845 00 



$64,950 00 $63,445 00 



43 



338 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

Market valne. 

11 shares Eighth National Bank, Philadelphia, $1,650 00 
100 " West Jersey Railroad . . . 4,000 00 
100 " Camden Trust Company . . . 2,500 00 
35 " Camden Trust Company . . . 875 00) 
40 " Pennsylvania Railroad . . . 2,400 00 y- 
69 " Millville National Bank . . . 5,175 00) 
10 " Millville National Bank . . .750 00 
175 " American Dredging Company . . 12,250 00 

Camden city bonds 610 00 ) 

4 shares Camden and Atlantic Railroad . . 160 00 ) 



Loaned thereon. 

$1,100 00 
3,000 00 
2,000 00 

6,098 00 

500 00 
5,750 00 

750 00 



$30,370 00 $19,198 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $16,050 00 
Loans on mortgage of real estate (first liens*), 120,233 33 
Interest due or accrued thereon .... 3,575 90 
Stocks, bonds, etc., as per schedule . . . 63,445 00 
Loans on collateral security as per schedule . 19,198 00 
Cash in the office of the company . . . 1,662 37 
Cash deposited in Camden Trust Company . 12,619 84 
Interest due and accrued . . . . . 1,103 72 
Premiums in course of collection (gross) . . 10,330 54 
Notes taken for marine and inland risks . . 5,777 57 

Rents due and accrued 141 16 

Salvage judgment 5,000 00 

Premiums more than three mos. due . $5,420 05 

Gross assets 



$259,137 43 



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 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
Due and accrued for rent, salaries, etc. 



$3,407 80 
4,000 00 
2,500 00 

$9,907 80 
1,800 00 

$8,107 80 

30,677 32 

1,354 05 

92 00 

500 00 



* Value of lands mortgaged $116,450 00 

Value of buildings thereon 184,200 00 

Amount of insurance held a6 collateral . . . 97,960 00 



1881.] 



INS. COS. OF OTHER STATES. 



339 



Commissions and brokerage 
Re-insurance due .... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



Surplus over capital 



$1,696 59 
1,121 56 



$13,549 32 

$215,588 11 
200,000 00 

$15,588 11 



Income. 

Cash received for fire premiums . . $54,559 59 

Deduct re-insurance and return premiums, 10,200 17 

Net cash received for fire premiums . . 

Cash rec'd for marine and inland premiums, $12,547 93 
Deduct re-insurance and return premiums, 698 63 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Income from rents 

Income from policy fees ....... 

Deposits received for perpetual fire risks . . $395 50 

Gross cash income .... 



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 paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for incidentals .... 
Deposits returned on perpetual fire risks . 



$44,359 42 



11,849 30 

4,638 00 

3,523 01 

490 00 

10 50 



. 


$64,870 23 


$25,164 61 




5,819 84 






$19,344 77 




$6,305 48 




292 10 






6,013 38 




. 


11,034 34 


. 


5,220 83 


• • • 


9S2 84 


. 


4,003 50 


$99 00 





Gross cash expenditures 



$46,599 66 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 18S0 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force , 



$2,918,701 00 
6,453,459 00 

$9,372,160 00 
3,031,487 00 

$6,340,673 00 
1,020,075 00 



Premiums. 

$28,796 99 
63,400 29 

$92,197 28 
30,824 00 

$61,373 28 
11,923 47 



$5,319,998 00 $49,449 81 



340 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$133,186 00 
277,750 00 

$410,936 00 
298,550 00 

$112,386 00 
7.000 00 



Miscellaneous. 

Premiums received from organization of company 
Losses paid from organization of company 
Cash dividends declared from organization of company 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



Fremlums. 

80,940 90 
11,425 63 

$18,366 53 
13,283 57 

$5,082 96 
507 12 



$105,386 00 £4,575 84 



$735,066 23 

501,017 32 

66,310 00 

21,877 46 

7,740 26 

93,300 00 



TRADERS' INSURANCE COMPANY, CHICAGO, ILL. 

[Incorporated February, 1865. Re-organized May, 1872.] 

Paid-up Capital, 6500,000. 

Charles Comstock, President. R. J. Smith, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market ralne. 

United States bonds $360,000 00 $423,450 00 

Cook county bonds 43,000 00 50,000 00 

Evanston water bonds .... 20,000 00 23,000 00 

Chicago city bonds 13,000 00 15,875 00 

Chicago city railway stock .... 40,000 00 120,000 00 

Chicago city railway bonds . . . 20,000 00 20,000 00 

Chicago, Missouri, and St. PaulR.R. b'ds, 55,000 00 66,000 00 

Chicago and North- Western R.R. bonds . 50,000 00 62,000 00 

Lincoln Park bonds 9,000 00 9.540 00 

American Express Company stock . . 30,000 00 27,300 00 

Chicago, Burl'ton, and Quincy R.R. bonds, 10,000 00 S,S0O 00 

$650,000 00 $825,965 00 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $117,379 86 

Stocks, bonds, etc., as per schedule . . 825,965 00 

Cash in the office of the Company . . 1,097 63 

Cash deposited in bank .... 30,01S 66 

Interest due and accrued .... 4,S51 66 

Premiums in course of collection (gross) . 22,020 55 

Reinsurance due from other companies . 30,264 76 

Gross assets $1,031,59S 17 



1881.] 



INS. COS. OF OTHER STATES. 



341 



Liabilities 
Losses adjusted unpaid 

claimed and reported 
disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Miscellaneous ..... 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$26,652 29 
29,861 86 
14,489 28 

162,629 60 

3,295 34 

31,113 14 



Surplus over capital 

Income. 

Cash received for fire premiums . . $400,111 97 

Deduct re-insurance and return premiums . 66,068 93 

Net cash received for fire premiums . 
Cash rec'd for marine and inland premiums, 
Deduct re-insurance and return premiums . 
Net cash rec'd for marine and inl'd prem's, 
Interest and dividends received from all sources 
Income from rents . . . . 
Income from commissions, etc. . 



22,487 96 
2,187 54 



$225,023 00 
6,422 45 



Gross cash income .... 

Expenditures. 
Cash paid for fire losses .... 

Deduct salvage and re-insurance 

Net cash paid for fire losses 

Cash paid for marine and inland losses . $11,382 91 

Deduct salvage and re-insurance . . 1,873 15 

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 

for incidentals 

Gross cash expenditures . 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Marine risks written during 1881 

Deduct risks expired and terminated 



$21,615,339 00 
31,796,549 00 

$53,411,888 00 
30,511,150 00 

$22,900,738 00 
904,505 00 

$21,996,233 00 
$3,661,577 00 



$268,041 51 

$763,556 66 
500,000 00 

$263,556 66 



$334,043 04 



20,300 42 

32,831 94 

1,300 00 

18,960 41 

$407,435 81 



$218,600 55 



9,509 76 
50,000 00 
61,694 79 
23,316 92 
10,097 74 
23,185 10 

$396,404 86 

Premiums. 

$319,118 26 
391,922 48 

$711,040 74 
376,220 42 

$334,820 32 
14,736 31 

$320,084 01 
$22,487 96 



$3,661,577 00 $22,487 96 



342 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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



53,331,733 58 

1,876,328 33 

472,500 00 

50,000 00 

251,431 42 

9,446 82 

117,200 00 



TRADESMEN'S FIRE INSURANCE COMPANY, 
NEW YORK, N.Y. 

[Incorporated Oct. 7, 1858. Commenced business Dec. 28, 1858.] 

Paid-up Capital, §300,000. 

David B. Keeler, President. Timothy Y. Brown, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

Mechanics' and Traders' Bank stock . . $5,750 00 $6,325 00 

Bank of Commerce stock 15,000 00 22,500 00 

American Exchange Bank stock . . . 15,000 00 19,500 00 

Fourth National Bank stock .... 10,000 00 13,000 00 

Bank of America stock 10,000 00 14,000 00 

United States bonds 200,000 00 239,675 00 

N. Y. Central and Hudson River R.R. stock . 50,000 00 66,500 00 

Harlem Railroad stock 10,000 00 25,000 00 

$315,750 00 $406,500 00 
Securities held as collateral for cash loans: — 



95 shares Mechanics' National Bank . 

Mechanics' and Traders' Nat'l Bank 
New York Gas-Light Company . 
American Fire Insurance Company 
Phoenix Insurance Company 
Montauk Insurance Company 



33i 

19 

53 

20 

50 



Market value. 

$3,562 50 
916 66 | 
1,995 00. 
3,975 00' 
1,450 00 j 
3,000 00. 



Loaned thereon. 



$4,900 00 



5,000 00 



$14,899 16 $9,900 00 



Summary of Assets Dec. 31, 1881. 
Loans on mortgage of real estate (first liens*), $54,800 00 

Interest due or accrued thereon . . . 1,087 50 

Stocks, bonds, etc., as per schedule . . 406,500 00 

Loans on collateral security as per schedule, 9,900 00 

Cash in the office of the company . . 3,461 08 

Cash deposited in Am. Exch. Nat'l Bank . 5,111 18 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$83,500 00 
81,000 00 
71,500 00 



1881.] 



INS. COS. OF OTHER STATES. 



343 



Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Gross assets .... 



$171 16 

51,368 10 
1,091 00 



$533,490 02 



Liabilities. 

Losses adjusted unpaid .... $8,618 40 

Losses claimed and reported . . . 15,464 68 

Total amount of losses .... $24,083 08 
Less re-insurance 1,200 00 

Net amount of unpaid losses . . . $22,883 08 

Unearned premiums on outstanding risks . 150,081 01 

Commissions and brokerage . . . 10,273 62 

Gross liabilities, except capital . . 

Surplus as regards policy-holders .... 
Paid-up capital 

Surplus over capital 



183,237 71 

$350,252 31 
300,000 00 

$50,252 31 



Income. 

Cash received for fire premiums . . $298, 7S0 89 

Deduct re-insurance and return premiums . 34,546 54 

Net cash received for fire premiums . . $264,234 35 

Cash rec'd for marine and inland premiums, $22,203 42 
Deduct re-insurance and return premiums . 659 79 

Net cash rec'd for marine and inl'd prem's, 21,543 63 

Interest received on bonds and mortgages .... 3,397 50 

Interest and dividends received from all other sources . 18,072 45 

Gross cash income $307,247 93 



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 .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidentals . 

Gross cash expenditures 



$199,623 18 
7,385 70 

$5,603 25 
101 95 



$192,237 48 



5,501. 30 
30,000 00 
58,812 68 
28,990 59 

7,851 53 
25,434 21 

$348,827 79 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 18S1 . 

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, 1880 
Marine risks written during 18S1 

Total 

Deduct risks expired and terminated 

In force at end of year 



Premiums. 

124,747,321 00 §231,11 

31,783,177 00 322,062 38 



850,530,498 00 $553,177 71 
26,835,680 00 252,504 09 



§29,004,808 00 5300,613 02 
1,534,744 00 15,671 89 



828,160,004 00 8284,941 73 



800,000 00 
1,99S,839 00 



82,0SS,839 00 
2,052,439 00 



00 
22,578 42 

|2S . ■> 42 
23,530 42 



836,400 00 81,833 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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owned by directors .... 



13,326,627 

2,004,472 64 

411,000 00 

30,000 00 

183.809 47 

5.961 04 

39,450 00 



UNION INSURANCE COMPANY, PHILADELPHIA, PENN. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 
Paid-up Capital, $500,000. 
Colson Hieskell, President. John B. Craven, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Camden and Amboy Railroad bonds . 
Chesapeake and Delaware Canal Co. bonds 
Schuylkill Navigation Company bonds. 
Pennsylvania Canal Company bonds . 
North Pennsylvania Railroad bonds . 
Pittsburg city bonds .... 
Philadelphia and Reading Railroad bonds 
Lehigh Valley Railroad bonds . 
American Steamship Company bonds 
United States bonds .... 
Susquehanna Coal Company bonds . 



Par valne. 

$11,200 00 
. 14,610 00 
. 10,000 00 
. 15,000 00 
. 14,500 00 
. 43,900 00 
. 30,000 00 
. 5,000 00 
. 5,000 00 
. 10,000 00 
. 10,000 00 



Market value. 

112,768 00 

13,295 10 

8.800 00 

15,150 00 

16,200 00 

49,990 00 

36,S00 00 

6,050 00 

5.400 00 

11.500 00 

11,600 00 



1881.] 



INS. COS. OF OTHER STATES. 



345 



Pnr value. Market value. 

Baltimore and Ohio Railroad bonds . . $25,000 00 $28,000 00 

Steubenville and Indiana Railroad bonds . . 10,000 00 10,700 00 

New Jersey Central Car Trust bonds . . 4,000 00 4,160 00 

New York'and Pacific Car Trust bonds . . 55,000 00 56,860 00 

Colorado Car Trust bonds 20,000 00 21,000 00 

Pennsylvania Car Trust bonds .... 8,000 00 8,160 00 

Guarantee Car Trust Association bonds . . 5,000 00 5,200 00 

St. Louis and Iron Mountain Car Trust bonds . 18,000 00 18,360 00 

New York Car Trust bonds .... 55,000 00 56,650 00 

100 shares Little Schuylkill Railroad . . 5,000 00 5,700 00 

151 " Pennsylvania Railroad . . . 7,550 00 9,324 25 

136 " North Pennsylvania Railroad . . 6,800 00 8,160 00 

48 " Delaware Railroad . .' . 1,200 00 1,440 00 

106 " Pennsylvania Canal Company . . 5,300 00 1,272 00 

68 " Philadelphia National Bank . . 6.800 00 14,824 00 

88 " Farmers' and Mech. Nat'l Bank . 8,800 00 11,968 00 

88 " Delaware Mutual Safety Ins. Co. . 2,200 00 3,960 00 

20 " Philadelphia and So. Mail S.S. Co. . 5,000 00 200 00 

525 " Harris., Ports., Mt. Joy, and L. R.R. 26,250 00 40,425 00- 



.$444,110 00 $493,916 35 



Securities held as collateral for cash loans : — 



134 shares Pennsylvania Railroad 
40 " Commonwealth National Bank 
83 " Pennsylvania Railroad 

Lehigh Valley Railroad bonds . 

United States bonds .... 

100 shares Catawissa Railroad . 

Pennsylvania Railroad bonds 

Philadelphia and Reading Railroad bonds 

Catawissa Railroad bonds . 

Bonds and mortgages 

143 shares Pennsylvania Railroad , . 
79 " Penn. Salt Manufacturing Co. 
13 " Farmers' and Mech. Nat'l Bank 



Market value. 

$8,274 50 
1,400 00 
5,125 25 
2,420 00 
1,814 00 
5,500 00 

10,000 00 
5,000 00 
1,290 00 

16,800 00 
8,830 25 
7,900 00 
1,768 00 



Loaned thereon. 

$6,500 00 
1,000 00 

6,000 00 

1,550 00 
3,200 00 

12,000 00 

1,000 00 

10,000 00 

3,465 00 

8,000 00 



$76,122 00 $52,715 00 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $172,190 66 

Loans on mortgage of real estate (first liens *) , 34,000 00 

Stocks, bonds, etc., as per schedule . . 493,916 35 

Loans on collateral security as per schedule, 52,715 00 

Cash in the office of the company . . 6,187 81 



* Total value of property mortgaged . 
Amount of insurance held as collateral 

4.4 



$68,500 00 
41,000 00 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in Philadelphia Nat'l Bank, 
Interest clue and accrued . 
Premiums in course of collection (net) 
Notes taken for marine and inland risks 
Rents due aud accrued 
Re-insurance due .... 
Gross assets .... 

Liabilities 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies 
Dividends to stockholders unpaid 
Due and accrued for rent, salaries, etc. 
Gross liabilities, except capital . 

Surplus as regards policy-holders 
Paid-up capital 



$7,234 62 
4,992 Gl 

71,397 12 

37,522 88 
1,070 82 

13,333 62 



$73,796 13 

218,768 80 

30,176 19 

2,425 87 

500 00 



$894,561 49 



Surplus over capital 

Income. 

Cash received for fire premiums . . $349,937 30 

Deduct re-insurance and return premiums . 45,215 67 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $445,408 27 
Deduct re-insurance and return premiums . 158,347 54 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 

Income from rents 

Deposits received on perpetual fire risks . . $2,663 50 

Gross cash income 

Expenditures. 
(Jash paid for fire losses .... $189,842 07 
Deduct salvage and re-insurance . . 10,096 65 

Net cash paid for fire losses 
Cash paid for marine and inland losses . $325,270 74 
Deduct salvage and re-insurance . . 132,374 17 

Net cash paid for marine and inland losses, 

Cash dividends paid .... 
Cash paid for redemption of scrip 

for commissions and brokerage 

for salaries of officers and employes 

for state and local taxes 

for incidentals . 
Deposits returned on perpetual fire risks . . $1,168 00 



325,666 99 

$568,894 50 
500,000 00 

$68,894 50 



Gross cash expenditures 



$304,721 63 

287,060 73 

1,700 00 

30,712 50 

14,924 65 

$639,119 51 



S179,745 42 

192,896 57 
39,710 80 
182 07 
99,373 62 
26,342 00 
17,755 97 
47,773 42 

$603,779 87 



1881.] 



INS. COS. OF OTHER STATES. 



347 



Risks and Premiums. 

Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total ..... 
Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
Perpetual risks in force 

Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total ..... 
Deduct risks expired and terminated . 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 

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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year . 
Company's stock owned by directors .... 



. $19,629,499 00 
. 35,410,273 00 

. $55,039,772 00 
. 26,258,557 00 


Premiums. 

$200,327 43 
355,464 25 

$555,791 68 
250,858 93 


. $28,781,215 00 
. 1,112,022 00 


$304,932 75 
13,121 88 


. $27,669,193 00 
945,625 00 

. $3,848,430 00 
. 32,612,387 00 


$291,810 87 
33,529 09 

$104,019 37 
403,803 33 


. $36,460,817 00 
. 34,763,287 00 


$507,822 70 
441,461 51 


. $1,697,530 00 
530,457 00 


$66,361 19 
6,254 35 


. $1,167,073 00 


$60,106 84 



$15,184,439 00 

11,124,9:31 (TO 

1,772,599 00 

40,000 00 

204,438 44 

334,137 59 

■ 83,020 00 



UNION INSURANCE COMPANY, SAN FRANCISCO, CAL. 

[Incorporated April 28, 1865. Commenced business June 20, 1865.] 
Paid-up Capital, 3750,000. 
Gustave Touchard, President. James D. Bailey, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Tar value. 

United States bonds $305,000 00 

Montgomery Avenue bonds 



Oakland city bonds 
Stockton city bonds 
Alameda town bonds 



Securities held as collateral for cash loans : 
23 shares San Francisco Gas -Light Company 



120,000 00 

8,000 00 

6,000 00 

10,000 00 



Market value. 

$355,275 00 

48,000 00 

10,000 00 

6,300 00 

11,000 00 



$449,000 00 $430,575 00 



Market value. 

. $1,610 00 



Loaned thereon. 

$1,350 00 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary* of Assets Dec. 31, 1881; 

Cash value of unencumbered real estate . $100,000 00 
Loans on mortgage of real estate (first liens*), 318,350 01 



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 various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Prem's more than 3 mos. due . $6,793 10 

Gross assets .... 

Deduct special deposit in Oregon 

Balance .... 



3,312 50 
430,575 00 

1,350 00 

2,177 75 
102,017 59 

3,036 00 
37,515 30 

8,001 00 



$1,036,398 18 
58,500 00 

$977,898 18 



Liabilities 

Losses claimed and reported 
Unearned premiums on outstanding risks 
Unused balances of premium notes . 
Dividends to stockholders unpaid 
Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liability on special deposit 



Surplus as regards policy-holders 
Paid-up capital 

Surplus over capital 



$21,961 60 

139,050 80 

450 00 

135 00 

1,214 65 

$162,815 05 
4,696 00 



158,119 05 

$S19,779 13 
750,000 00 

$69,779 13 



Income. 

Cash received for fire premiums . . $255,795 51 

Deduct re-insurance and return premiums, 33,116 68 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, 
Deduct re-insurance and return premiums, 

Net cash rec'd for marine and inl'd prem's, 

Interest received on bonds and mortgages . 

Interest and dividends received from all other sources 

Income from rents 

Gross cash income . . 



$102,226 95 
11,823 60 



$222,678 86 



90,403 35 

30,221 38 

14,269 25 

8,245 00 

$365, S17 84 



* Value of lands mortgaged . 
Value of buildings thereon 
Amount of insurance held as collateral 



$459,000 00 
353,500 00 
220,600 00 



1881.] 



INS. COS. OF OTHER STATES. 



349 



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 .... 

Cash paid for commissions and brokerage 

for salaries of officers and employes 
for state and local taxes 
for incidentals . 

Gross cash expenditures 



Risks and Premiums. 



$74,806 36 
2,259 42 

$48,590 75 
4,025 71 



$72,606 94 



44,565 04 
89,975 00 
45,350 01 
46,891 26 
10,510 08 
34,439 28 

$344,337 61 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$149,849 87 
260,963 79 

$410,813 66 
174,595 46 

$236,218 20 
11,137 37 

$19,049,934 00 $225,080 83 



$12,323,248 00 
24,357,038 00 

$36,680,286 00 
16,697,204 00 

$19,983,082 00 
933,148 00 



$871,327 00 
10,043,062 00 

$10,914,389 00 
10,056,530 00 

$857,859 00 
73,812 00 



$27,565 00 
103,935 15 

$131,500 15 
98,590 75 

$32,909 40 
1,697 00 



$784,047 00 $31,212 40 



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) 
Fire losses incurred during the year .... 
Marine and inland losses incurred during the year 
Company's stock owued by directors .... 



$5,796,052 08 

3,268,856 42 

1,800,000 00 

90,000 00 

70,837 16 

54,720 53 

279,600 00 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

WATERTOWN FIRE INSURANCE COMPANY, 
WATERTOWN, N.Y. 

[Incorporated December, 1867. Commenced business December, 1867.] 

Paid-up Capital, $200,000. 

Willard Ives, President. Jesse M. Adams, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Utica and Black River Railroad bonds 
Syracuse Northern Railroad bonds 
Michigan Central Railroad stock 



Par value. 

$185,000 00 
. 12,000 00 
. 6,000 00 
. 10,000 00 



Lake Shore and Michigan Southern R.R. stock . 10,000 00 
N. Y. Central and Hudson River R.R. stock . 60,000 00 



Market value. 

8216,337 50 

13,440 00 

6,720 00 

8,750 00 

11,650 00 

79,350 00 



$283,000 00 $336,247 50 



Securities held as collateral for cash loans : — 

^ Market value. 

Bond and mortgage $4,324 00 > 

Agricultural Insurance Company stock . . 17,500 00 ) 
Agricultural Insurance Company stock . . 28,700 00 

Merchants' Bank stock 1,000 00 ) 

Agricultural Insurance Company stock . . 875 00 ) 

Merchants' Bank stock 2,400 00 ) 

Northern Insurance Company stock . . . 450 00 ) 
Agricultural Insurance Company stock . . 47,171 00 

Bond and mortgage 1,350 00 \ 

Agricultural Insurance Company stock . . 2,021 00 ) 
Agricultural Insurance Company stock . . 7,000 00 

Merchants' Bank stock 1,200 00) 

Northern Insurance Company stock . . . 450 00 >• 
Agricultural Insurance Company stock . . 438 00 ) 
Agricultural Insurance Company stock . . 3,500 00 
Agricultural Insurance Company stock . . 875 00 ) 
Merchants' Bank stock 910 00) 



Loaned thereon. 

$14,000 00 
15,274 84 

1,600 00 

2,500 00 
25,039 97 

1,140 25 
4,000 00 

1,800 CO 

2,250 00 
1,573 16 



$120,164 00 $69,178 22 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $29,200 00 
Loans on mortgage of real estate (first liens*), 344,593 53 
Interest due or accrued thereon . . . 11,426 72 

Stocks, bonds, etc., as per schedule . . 336,247 50 

Loans on collateral security as per schedule, 69,178 22 

Cash in the office of the company . . 10,256 62 



* Value of lands mortgaged §428,630 00 

Value of buildings thereon 255,700 00 

Amount of insurance held as collateral . . . 206,520 00 



1881.] 



INS. COS. OF OTHER STATES. 



351 



Cash deposited in Merchants' Bank . 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for fire -risks . • 

Gross assets .... 
Deduct special deposits in other states 

Balance .... 

Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital ..... 



$97,192 20 

3,572 23 

156,S96 48 

11,111 88 



-$1,069,675 38 
52,987 50 

. $1,016,687 88 



$15,364 63 
34,254 52 
12,800 00 

691,015 22 

$753,434 37 
49,085 01 



Surplus over capital 



Income. 
Cash received for fire premiums . . $1,157,542 91 

Deduct re-insurance and return premiums . 109,551 54 

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 incidentals 

Gross cash expenditures .... 
Risks and Premiums. 



704,349 36 

$312,338 52 
200,000 00 

$112,338 52 



Fire risks outstanding Dec 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re -insured . 

Net amount in force • . 



$110,215,891 00 
. 111,330,853 00 

$221,546,744 00 
. 87,907,697 00 



$133,639,047 00 
. 1,400,993 00 



,047,991 37 
19,995 03 
12,850 85 

:,0S0,S37 25 



$560,689 87 
20,000 00 
267,669 06 
44,550 00 
18,712 51 
65,168 13 

$976,789 57 

Premiums. 

$1,080,253 51 
1,216,636 20 

$2,296,889 71 
924,976 89 

$1,371,912 82 
16,345 17 



$132,238,054 00 $1,355,567 65 



352 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 duriug the year (10 per cent) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



.004,826 04 
2,428,133 57 

200,000 00 

20,000 00 

580,385 80 

101,100 00 



WESTCHESTER FIRE INSURANCE COMPANY, NEW 
ROCHELLE, N.Y. 

[Incorporated as a Mutual, March 14, 1837. Commenced business as Joint Stock, 
s Jan. 1,1870.] 

Paid-up Capital, $300,000. 
George R. Crawford, President. John Q. Underbill, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds 8370,000 00 8041,450 00 

Securities held as collateral for cash loans : — 

Market value. Loaned thereon. 

Citizens' Bank, New York . . . 84.000 00 I 00 

Central Bank, Westchester County, N.Y. . 2,600 00 1,78 



Summary of Assets Dec. 
Cash value of unencumbered real estate 
Loans on mortgage of real estate (firbt liens *), 
Interest due or accrued thereon . 
Stocks, bonds, etc., as per schedule . 
Loans on collateral security as per schedule, 
Cash io the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 

Deduct special deposit in other states 



Balance 

Losses adjusted unpaid 

claimed and reported 
disputed or resisted 



Liabilities 



§6,000 00 84,283 50 

31, 1881. 

856,300 00 

121,900 00 

2,545 30 

041,450 00 

4,283 50 

561 79 

21,124 31 

127 50 

52,599 4S 

1.200 00 

8902,091 S8 

52,S75 00 



. 8S49,216 88 



816.SS1 16 

30,000 00 

5,200 00 



* Value of lands mortgaged 
Value of buildings thereon 
Amount of insurance held as collateral 



$127,000 00 

162,000 00 
12S.S50 00 



1881.] 



INS. COS. OF OTHER STATES. 



353 



Unearned premiums on outstanding risks 
Commissions and brokerage 

Gross liabilities, except capital . 
Deduct liabilities on special deposits . 

Surplus as regards policy-holders 
Paid-up capital 



$367,143 50 
7,825 51 

$427,050 17 
50,046 00 



Surplus over capital 



Income. 

Cash received for fire premiums . . $607,909 65 

Deduct re-insurance and return premiums . 48,381 61 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages .... 
Interest and dividends received from all other sources 
Income from rents 

Gross cash income 



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 incidentals . 

Gross cash expenditures 



Risks and Premiums. 



$321,761 16 
6,441 01 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



. $72,681,223 00 
. 68,679,244 00 

$141,360,467 00 
. 61,564,556 00 

. $79,795,911 00 
951,651 00 



$377,004 17 

$472,212 71 
300,000 00 

$172,212 71 



$559,528 04 

7,492 04 

23,977 96 

2,498 36 

$593,496 40 



$315,320 15 
30,126 70 
102,263 69 
25,049 76 
14,366 99 
65,845 03 

$552,972 32 



Premiums. 

$660,659 85 
612,854 60 

1,273,514 45 
561,118 98 

$712,395 47 
8,862 05 



. $78,844,260 00 $703,533 42 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 
45 



$7,984,490 95 

4,462,261 17 

278,000 00 

30,000 00 

314,261 15 

152,000 00 



354 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



WILLIAMSBURGH CITY FIRE INSURANCE COMPANY, 

BROOKLYN, N.Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid-up Capital, $250,000. 

Edmund Driggs, President. N. W. Meserole, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Par value. 

United States bonds . . . . . $318,000 00 
Mech. and Trad. Bank (Greenpoint) stock . 8,000 00 
Grand Street and Newtown Railroad stock . 25,000 00 
Nassau National Bank stock .... 1,000 00 
Long Island Bank (Brooklyn) stock . . . 10,000 00 
First National Bank (Brooklyn) stock . . 4,900 00 
People's Gas-Light Company (Brooklyn) stock . 26,000 00 
Metropolitan Gas-Light Co. (Brooklyn) stock . 5,000 00 
Citizens' Gas-Light Co. (Brooklyn) stock . . 7,120 00 
Dry Dock, E. Br'dway, and B. R.R. (N.Y.) st'k, 20,000 00 
Grand Street and Newtown Railroad bonds . 20,000 00 

Georgia state bonds 50,000 00 

Broadway Railroad stock 11,000 00 

Broadway Railroad bonds 3,000 00 



Securities held as collateral for cash loans:—- 

Greenwich Insurance Company stock 
Pacific Bank of New York stock 
Metropolitan Gas Co (Brooklyn) stock 
Imp. and Traders' Insurance Company stock 
New York City Insurance Company stock . 
People's Gas-Light Company (Brooklyn) stock 
Pacific Fire Insurance Company stock 
Union Pacific Land Grant bonds 
Grand Street and Newtown Railroad stock 
Manufacturers' National Bank (N.Y.) stock 
Broadway Railroad Co. (Brooklyn) bonds . 
Union Ferry Company (Brooklyn) stock . 
Mechanics' Fire Insurance Company stock 
People's Gas-Light Company (Brooklyn) stock 
Lafayette Fire Insurance Co. (Brooklyn) stock 
Cypress Hills Cemetery bonds . 
Pacific Railroad of Missouri bonds 
Union Pacific Sinking Fund bonds . 



Market value. 

$334,455 00 

8,000 00 

25,000 00 

1,800 00 

10,500 00 

12,397 00 

10,400 00 

3,500 00 

4,272 00 

48,000 00 

20,000 00 

57,000 00 

19,250 00 

3,150 00 



$509,020 00 


$557,724 00 


Market value. 


Loaned thereon. 


. $715 00 


S3 50 00 


. 4,350 001 




. 1,400 00 | 
500 00 J 


5,000 00 


455 00 j 




400 00 


200 00 


. 2,150 00 


1,500 00 


. 2,250 00 


1,000 00 


. 1,000 00 


600 00 


. 2,S3S 00 


1,720 00 


. 1,050 00 


800 00 


960 00 


600 00 


. 3,000 00 


1,950 00 


: . 200 00 > 
. 1,150 00) 


1,000 00 


. 9,000 00 


6,500 00 


. 6,180 00 


5,000 00 


. 4,880 00 


3,000 00 



$42,478 00 $29,220 00 



1881.] INS. COS. OF OTHER STATES. 355 

Summary of Assets Dec. 31, 1881. 
Cash value of unencumbered real estate . $100,183 05 
Loans on mortgage of real estate (first liens*), 296,900 00 
Interest due or accrued thereon . . . 2,119 67 

Stocks, bonds, etc., as per schedule . . 557,724 00 
Loans on collateral security as per schedule, 29,220 00 

Cash in the office of the company . . 5,957 69 

Cash deposited in various banks . . 23,912 95 

Interest due and accrued .... 7,571 31 

Premiums in course of collection (gross) . 50,237 74 

Rents due and accrued .... 179 00 

Prem's more than three mos. due, $218 35 

Gross assets f $1,074,005 41 

Deduct special deposits in other states .... 38,637 50 

Balance $1,035,367 91 

Liabilities. 

Losses adjusted unpaid .... $3,725 75 

claimed and reported . . . 23,972 93 

disputed or resisted . . . 2,550 00 

Unearned premiums on outstanding risks . 279,348 09 

Dividends to stockholders unpaid . . 305 00 

Due and accrued for rent, salaries, etc. . 2,500 00 

State and local taxes 2,200 00 

Commissions and brokerage . . . 9,217 06 



Gross liabilities, except capital . . $323,818 83 
Deduct liabilities on special deposits . . 14,384 41 



309,434 42 



Surplus as regards policy-holders .... $725,933 49 

Paid-up capital 250,000 00 

Surplus over capital $475,933 49 

Income. 

Cash received for fire premiums . . $471,267 50 

Deduct re-insurance and return premiums . 26,617 31 

Net cash received for fire premiums . . $444,650 19 

Interest received on bonds and mortgages .... 20,207 14 

Interest and dividends received from all other sources . 30,578 65 

Income from rents 2,804 04 



Gross cash income $498,240 02 

Expenditures. 
Cash paid for fire losses .... $201,738 36 

Deduct salvage and re-insurance . . .6,286 54 

Net cash paid for fire losses . . . $195,451 82 

* ValUe of lands mortgaged $262,300 00 

Value of buildings thereon 299,650 00 

Amount of insurance held as collateral . . . 234,000 00 

f Including $255,000 special reserve fund held under New York law. 



356 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid 

Cash paid for commissions and brokerage . . 

for salaries of officers and employes 

for state and local taxes 

for interest on borrowed money . 

for incidentals .... 

Gross cash expenditures 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



. $65,438,938 00 
. 70,375,230 00 

$135,814,168 00 
. 63,254,002 00 

. $72,560,166 00 
987,628 00 



$49,910 00 

103,222 99 

44,110 28 

7,459 81 

906 82 

44,066 22 

$445,127 94 



Premiums. 

8175,201 77 
478,280 72 

$953,482 49 
422,047 57 

$531,434 92 
9,592 28 



. $71,572,538 00 $521,842 64 



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) 
Fire losses incurred during the year .... 
Company's stock owned by directors .... 



$6,892,269 32 

3,576,407 66 

752,500 00 

50,000 00 

188,383 20 

75,800 00 



1881.] 



INS. COS. OF OTHER STATES. 



357 



AGGREGATE. 



Capital Stock. 




Capital actually paid up in cash . 


$44,914,100 00 


Scrip outstanding 


9,989,257 00 


• Assets. 




Gross present assets 


. $126,466,331 00 


Liabilities. 




Gross present liabilities 


$37,939,634 00 


Income. 




Cash actually received for fire premiums . 


$37,054,911 00 


for marine and inland premiums 


9,298,325 00 


for interest and dividends from all sources 


5,177,718 00 


from all other sources . 


498,811 00 


Gross cash income 


$52,029,765 00 


Expenditures. 




Cash actually paid during the year for fire losses 


$20,373,062 00 


for marine and inland losses 


6,346,183 00 


for dividends to stockholders 


5,219,303 00 


for redemption of scrip . 


1,220,552 00 


for interest to scrip-holders 


562,345 00 


for brokerage and commissions on premiun 


as . 7,067,396 00 


for salaries and pay of officers and employe 


;s . 3,684,856 00 


for state and local taxes . 


1,439,548 00 


for office, agency, and incidental expenses . 


3,325,199 00 


Gross cash expenditures 


$49,238,444 00 


Miscellaneous. 


- 


Whole amount of fire risks written during the y 


ear . $4,543,380,175 00 


premiums charged or receivable thereon 


41,591,547 00 


marine and inland risks written during th 


e year, 1,344,041,709 00 


premiums charged or receivable thereon 


11,055,391 00 


fire risks terminated during the year 


. 4,004,232,654 00 


marine and inland risks terminated 


. 1,381,133,726 00 


fire risks outstanding at end of year 


. 4,851,882,725 00 


marine and inland risks outstanding 


183,542,157 00 


dividends declared .... 


6,504,141 00 


fire losses incurred .... 


20,992,209 00 


marine losses incurred 


7,120,718 00 



UNITED STATES BRANCHES OE 

FOKEIGN FIBE 
INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 
of Annual Statements, for the Year ending 
. December 31, 1881. 



360 



UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE BRITISH AMERICA 
ASSURANCE COMPANY, TORONTO, CANADA. 

William A. Beattie, Manager New England Department. 

Office, 8 Exchange Place, Boston. 



Detailed Statement of Stocks^ Bonds, etc. 



United States bonds . 

Deposit state of Mississippi 

Dominion government bonds 

Canadian Bank of Commerce stock 

Dominion Bank stock 

Federal Bank stock . 

Canada Permanent Loan and Sav. Co. stock, 

Huron and Erie Sav. and Loan Soc. stock, 

Dominion Saving and Investment Co. stock, 



Par value. 

$485,000 00 
15,000 00 
50,000 00 
24,000 00 
10,000 00 
4,200 00 
10,000 00 
25,000 00 
10,000 00 



Market value. 

$590,891 25 
15,000 00 
50,000 00 
33,180 00 
18,925 00 
6,153 00 
20,800 00 
38,250 00 
12,000 00 



$633,200 00 $785,199 25 



Summary of Assets Dec. 31, 1881. 



Stocks, bonds, etc., as per schedule . 
Cash in the office of the company- 
Cash deposited in Can. B'k of Commerce 
Interest due and accrued . 
Premiums in course of collection (net) 
Salvage on losses paid 
Office furniture .... $3,109 50 
Prern's more than three mos. due, 774 70 

Gross assets .... 

Deduct special deposits in other states 



$785,199 25 

8,931 43 

21,461 62 

10,075 00 

38,785 32 

5,032 46 



Balance 



Liabilities 

Losses claimed and reported 

Losses disputed or resisted 

Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liabilities on special deposits . 



$869,485 08 
336,347 50 

$533,137 58 



§73,674 76 

1,500 00 

310,495 93 

$385,670 69 
56,219 00 



329,451 69 



Surplus 



$203,685 89 



1881.] FOREIGN FIRE INSURANCE COS. 



361 



Income. 

Cash received for fire premiums . . $622,987 27 

Deduct re-insurance and return premiums . 79,775 15 

Net cash received for fire premiums . . 

Cash rec'd for marine and inl'd premiums, $35,899 76 

Deduct re-insurance and return premiums . 8,991 63 

Net cash rec'd for marine and inl'd prem's, 

Interest and dividends received from all sources 

Gross cash income . . 



$513,212 12 



26,908 13 
30,048 26 

$600,168 51 



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 paid for commissions and brokerage . 

for salaries of officers and employes 
for state and local taxes 
for incidentals . . . 

Gross cash expenditures 



$401,616 32 
27,090 21 

$12,131 63 
538 17 



$374,526 11 



11,593 46 
116,587 19 
13,016 77 
13,392 47 
46,914 90 

$576,030 90 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

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, 1880 
Marine risks written during 1881 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 
46 



$109,698,107 00 $1,204,548 11 
54,873,224 00 589,989 30 



Premiums. 

$51,806,040 00 $581,571 90 
57,892,067 00 622,976 21 



$54,824,883 00 $614,558 81 
1,349,501 00 15,037 35 



$53,475,382 00 $599,521 46 



$320,150 00 
5,290,663 00 

$5,610,813 00 
5,197,613 00 

$413,200 00 
24,050 00 



$5,676 32 
35,899 76 

$41,576 08 
29,732 47 

$11,843 61 
393 22 



$389,150 00 $11,450 39 



362 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE BRITISH AND FOREIGN 
MARINE INSURANCE COMPANY (LIMITED), LIVERPOOL, 
ENGLAND. 

Endicott and Macomber, Attorneys. 



Office, 56 State Street, Boston. 

United States bonds deposited with State Treasurer of 

Massachusetts 

Risks written in Massachusetts during 1881 
Premiums received thereon 
Losses incurred in Massachusetts during 1881 
Losses paid in Massachusetts during 1881 . 



Market value. 



8309,375 00 

8,843,949 00 

76,843 11 

24,352 16 

20,542 28 



Note. — Owing to the incompleteness of details, the above is all the intelligible infor- 
mation to be derived from the company's statement, which gives no data showing its actual 
assets, liabilities, and surplus as regards policy-holders in this country. It is not doubted, 
however, that the omission, when corrected, will place the company in proper and satisfac- 
tory position. 



UNITED STATES BRANCH OF THE COMMERCIAL UNION 

ASSURANCE COMPANY, LONDON, ENGLAND. 

Alfred Pell, Resident Manager. 

Office, No. 37 Wall Street, New York. 

Summary of Assets Dec. 31, 1881. 



Cash value of unencumbered real estate 
United States bonds .... 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for fire risks . 
Rents due and accrued 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 
Losses claimed and reported 
Losses disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Unpaid drafts for losses 

Gross liabilities . 
Deduct liabilities on special deposits 



$130,121 71 

1,284,447 00 

1,516 27 

327,383 29 

3,051 00 

249,588 80 

52 50 

1,420 63 



11,997,581 20 
269,075 00 

$1,728,506 20 



$152,366 24 

13,934 76 

883,301 91 

37,438 32 

1,500 00 

$1,088,541 23 
54,114 31 



1,034,426 92 



Surplus 



§694,07- 



1881.] FOREIGN FIRE INSURANCE COS. 



363 



Income. 

Cash received for fire premiums . . $1,774,444 48 

Deduct re-insurance and return premiums . 414,525 59 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Income from rents 



Gross cash income 



-$1,359,918 89 

54,827 17 

2,289 52 

. $1,417,035 58 



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 

for incidentals .... 

Gross cash expenditures 



$895,158 22 
. 95,141 02 



$800,017 20 

212,731 84 

77,816 67 

34,147 80 

88,939 19 

$1,213,652 70 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

$171,672,252 00 $1,536,431 58 
. 217,007,697 00 1,780,380 15 



$388,679,949 00 $3,316,811 73 
. 187,417,869 00 1,508,258 52 



$201,262,080 00 $1,808,553 21 
. 14,090,257 00 156,022 79 



$187,171,823 00 $1,652,530 42 



UNITED STATES BRANCH OF LA CONFIANCE FIRE IN- 
SURANCE COMPANY, PARIS, FRANCE. 

Monrose & Mulville, General Agents. 
155 Broadway, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Re-insurance due .... 
Gross assets .... 

Deduct special deposits in other states 

Balance .... 



$529,312 50 

173,915 78 

5,638 65 

102,933 07 

3,266 01 



$815,066 01 
176,437 50 

$638,628 51 



364 



UNITED STATES BRANCHES OF [Dec. 31, 



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 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage 

Gross liabilities .... 

Surplus .... 



$41,703 51 
61,714 12 
14,857 94 

$118,275 57 
4,118 03 

$114,157 54 

412,857 61 

189 26 

15,805 48 



Income. 

Cash received for fire premiums . . $868,015 73 

Deduct re-insurance and return premiums, 183,808 57 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



$543,009 89 
$95,618 62 



$684,237 16 
16,579 29 

$700,816 45 



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 

Gross cash expenditures 



$461,326 82 
23,792 22 



$437,534 60 

199,838 86 

12,423 30 

7,160 23 

$656,956 99 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

. $42,901,910 00 $526,005 03 
. 86,976,854 00 908,537 91 



$129,878,764 00 $1,434,542 94 
. 56,928,795 00 618,536 18 



. $72,949,969 00 $816,006 76 
. 5,227,794 00 48,773 20 



. $67,722,175 00 $767,233 oQ 



1881.] FOREIGN FIRE INSURANCE COS. 



365 



UNITED STATES BRANCH OF THE FIRE INSURANCE 
ASSOCIATION (LIMITED), LONDON, ENGLAND. 

Joseph H. Wellman, Attorney for the U. S. 

Office, No. 8 Pine Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company 
Cash deposited in bank and with trustees 
Premiums in course of collection (gross) 

Gross assets .... 
Deduct special deposits in other states 



Balance 



Liabilities 

Losses adjusted unpaid 

Losses 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 .... 
Deduct liabilities on special deposits . 



Surplus 



$552,481 25 

3,553 96 

57,709 59 

77,660 68 



$13,983 57 

21,549 13 

228,039 35 

1,863 73 

636 02 

6,320 18 

3,398 13 

$275,790 11 
19,763 07 



Income. 

Cash received for fire premiums . . $500,974 22 

Deduct re-insurance and return premiums . 72,763 56 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income . . . . 



$691,405 48 
177,750 00 

$513,655 48 



256,027 04 
$257,628 44 



$428,210 66 
12,411 81 

$440,622 47 



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 employe's 

for state and local taxes 

for incidentals .... 

Gross cash expenditures . . , 



$177,880 98 
815 72 



$177,065 26 

86,840 40 

25,337 46 

7,541 24 

62,122 66 

$358,907 02 



366 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$2,816,683 00 
53,676,548 00 



$56,493,231 00 
21,713,474 00 



$34,779,757 00 
923,567 00 



Premiums. 

$32,536 37 
578,634 90 

$611,171 27 
172,286 77 

$438,884 50 
13,556 59 



$33,856,190 00 $425,327 91 



UNITED STATES BRANCH OF THE GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY, LONDON, ENGLAND. 

H. E. Bowers, Manager. 

Office, No. 54 William Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 



Losses 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 .... 
Deduct liabilities on special deposits . 



Surplus 



Income. 

Cash received for fire premiums 
Deduct re-insurance and return premiums 
Net cash received for fire premiums . 
Interest received on bonds and mortgages 

Gross cash income 



$862,781 25 

130,990 12 

6,979 16 

49,764 93 



$1,050,515 46 
191,250 00 

$859,265 46 



$45,023 93 

261,849 34 

1,130 85 

614 25 

8,627 14 

3,096 15 

$320,341 66 
15,815 71 



304,525 95 
8554,739 51 



$464,798 35 
44,652 37 



$420,145 98 
37,993 SO 

$458,139 78 



1881.] FOREIGN FIRE INSURANCE COS. 



367 



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 
for incidentals . . . . 
remitted to home office 

Gross cash expenditures 



$211,242 93 
786 57 



$20,994 75 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



. $40,411,757 00 
. 61,582,256 00 

$101,994,013 00 
. 49,396,670 00 

. $52,597,343 00 
567,806 00 



$210,456 36 
85,514 05 
26,560 69 
10,690 09 
25,262 29 

$358,483 48 



Premiums. 

$369,659 01 
477,873 77 

$847,532 78 
345,747 28 

$501,785 50 
3,569 03 



. $52,029,537 00 $498,216 47 



UNITED STATES BRANCH OF THE HAMBURG-BREMEN 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Sophus V. Dorrien, Resident Manager. 

Office, 178 Broadway, New York. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds .... 
Union Pacific Railroad bonds 
Kansas Pacific Railroad bonds . 
Central Pacific Railroad bonds . 
Chicago and North-Western R.R. bonds 
Chic, Milwaukee, and St. Paul R.R. bonds 
Chic, Burlington, and QuincyR.R. bonds 
N. Y., Lake Erie, and Western R.R. bonds 
St. Paul, Minneap. , and Manitoba R. R. b'ds 



Par value. 

$583,000 00 
20,000 00 
20,000 00 
20,000 00 
25,000 00 
15,000 00 
20,000 00 
25,000 00 
25,000 00 



Market value. 

$663,991 25 
22,950 00 
21,500 00 
22,600 00 
32,500 00 
20,100 00 
25,300 00 
32,437 50 
27,125 00 



$753,000 00 $868,503 75 



Securities held as collateral for cash loans : — 
Northern Pacific Railroad bonds 



Market value. Loaned thereon. 

$20,500 00 $15,000 00 



368 



UNITED STATES BRANCHES OF [Dec. 31, 



Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $23,000 00 

Bonds as per schedule .... 868,503 75 

Loans on collateral security as per schedule, 15,000 00 

Cash deposited in bank .... 38,763 98 

Premiums in course of collection (net) . 32,417 81 

Notes taken for marine and inland risks . 117 61 

Gross assets ..... 

Deduct special deposits in other states .... 

Balance ........ 



$977,803 15 
192,518 75 

$785,284 40 



Liabilities. 

Net amount of unpaid losses . . . $45,681 00 

Unearned premiums on outstanding risks . 306,816 60 

Gross liabilities $352,497 60 

Deduct liabilities on special deposits . . 34,632 62 



Surplus 



317,864 98 
$467,419 42 



Income. 

Cash received for fire premiums . . . $678,105 72 
Deduct re-insurance and return premiums . 83,652 77 

Net cash received for fire premiums . . $594,452 95 

Interest received on bonds and mortgages . . . . 1,150 00 

Interest and dividends received from all other sources . 35,641 37 

Gross cash income $631,244 32 



Expenditures. 

Cash paid for fire losses .... 
for commissions and brokerage . 
for salaries of officers and employes 
for state and local taxes 
for incidentals .... 

Gross cash expenditures 



$320,239 37 

130,839 83 

24,670 20 

12,673 85 

27,777 20 

$516,200 45 



* Value of lands mortgaged $30,000 00 

Value of buildings thereon 50,000 00 

Amount of insurance held as collateral . . . 20,000 00 



1881.] FOREIGN FIRE INSURANCE COS. 369 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Premiums. 

. $46,462,364 00 $536,835 84 
. 62,600,742 00 674,884 78 



$109,063,106 00 $1,211,720 62 
. 57,713,925 00 612,308 11 



. $51,349,181 00 $599,412 51 
385,772 00 2,963 88 



. $50,963,409 00 $596,448 63 



UNITED STATES BRANCH OF THE HAMBURG-MAGDEBURG 
FIRE INSURANCE COMPANY, HAMBURG, GERMANY. 

Hermann B. Washington, Manager. 

Office, 42 Pine Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (gross) 
Gross assets .... 

Liabilities 
Losses adjusted unpaid 
Losses claimed and reported 
Unearned premiums on outstanding risks 
Commissions and brokerage 
Return premiums .... 
Gross liabilities .... 



$426,408 00 
788 00 

75,744 05 
104 39 

24,740 32 



$5,756 05 

8,489 50 

162,361 32 

942 15 

106 85 



$527,784 76 



Surplus 



177,655 87 
$350,128 89 



Income. 
Cash received for fire premiums . . $345,845 70 

Deduct re-insurance and return premiums . 59,540 89 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 
Remittance from home office . . . $10,000 00 

Gross cash income ....... 

47 



$286,304 81 
17,641 34 



$303,946 15 



370 



UNITED STATES BRANCHES OF [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 
Cash paid for salaries and taxes . 

Gross cash expenditures 



$173,735 63 
4,313 50 



$169,422 07 
C9,017 47 
47,586 77 

$286,026 31 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



821,023,200 00 
27,427,837 00 



$48,451,037 00 
25,186,177 00 

$23,264,860 00 
140,194 00 



Premiums. 

$291,150 93 
348,100 54 

$639,251 47 
324,772 37 

$314,479 10 
1,734 90 



$23,124,666 00 $312,744 20 



UNITED STATES BRANCH OF THE IMPERIAL FIRE IX 
SURANCE COMPANY, LONDON, ENGLAND. 

Richard D. Alliger, Resident Manager. 

Office, No. S3 Pine Street, New York. 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds . 
Virginia state bonds . 
West Virginia state bonds 
Tennessee state bonds 



Par value. 

$634,300 00 
71,600 00 
28,667 00 
26,000 00 



Market value. 

$744,532 87 

30,072 00 

4,945 06 

19,370 00 



$760,567 00 $798,919 93 



Summary of Assets Dec. 31, 1881. 



Cash value of unencumbered real estate 
Bonds as per schedule 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (gross) 
Rents due and accrued 

Gross assets .... 

Deduct specral deposit in other states 

Balance .... 



$165,000 00 

798,919 93 

141 75 

3,104 84 

60,481 13 

3,350 00 



$1,030,997 65 
54,382 00 

$740,615 65 



1881.] FOREIGN FIRE INSURANCE COS. 



371 



Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 

Gross liabilities .... 
Deduct liabilities on special deposits . 



$15,844 35 

20,880 07 

3,851 14 

290,838 22 

7,704 74 

$339,118 52 
30,478 67 



Surplus 

Income. 

Cash received for fire premiums . . . $571,276 38 
Deduct re-insurance and return premiums . 75,436 76 

Net cash received for fire premiums . . *- 

Interest and dividends received from all sources 

Income from rents . . ... 

Income from sale of real estate 

Gross cash income 



$308,639 85 
$437,975 80 



$495,839 26 

27,629 38 

19,461 50 

616 00 

$543,546 50 



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 

for incidentals .... 

Gross cash expenditures 



$346,983 65 
2,378 33 



$344,605 32 
86,725 94 
37,701 96 
19,473 61 

6,262 72 

$494,769 55 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount reinsured . 

Net amount in force . 



Premiums. 

. $50,777,205 00 $532,287 93 
. 57,290,882 00 578,118 28 



$108,068,087 00 $1,110,406 21 
. 58,584,992 00 550,760 91 



. $49,483,095 00 $559,645 30 
164,878 00 1,787 98 



. $49,318,217 00 $557,857 32 



372 UNITED STATES BRANCHES OF [Dec. 31, 

UNITED STATES BRANCH OF THE LANCASHIRE INSUR- 
ANCE COMPANY, MANCHESTER, ENGLAND. 

Henry Robertson, Resident Manager. 

Office, No. 40 Pine Street, New York. 



Summary of Assets Dec. 31, 1881. 
United States bonds $939,290 00 



Premiums in course of collection (gross) 
Gross assets * 

Liabilities 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
State and local taxes .... 
Commissions and brokerage 

Gross liabilities .... 
Deduct liabilities on special deposits . 



36,127 39 



889,257 25 

597,406 42 

7,500 00 

12,000 00 

$706,163 67 
46,800 00 



$975,417 39 



Surplus 



659,363 67 



$316,053 72 



Income. 

Cash received for fire premiums . . $1,161,493 18 

Deduct re-insurance and return premiums . 189,984 79 

Net cash received for fire premiums . . $971,508 39 

Interest and dividends received from all sources . . 38,511 81 



Gross cash income 



. $1,010,020 20 



Expenditures. 

Cash paid for fire losses .... 
for commissions and brokerage . 
for salaries of officers and employes 
for state and local taxes 

Gross cash expenditures 



$579,974 23 

157,809 92 

127,709 54 

23,588 96 

$SS9,0S2 65 



* In addition to thi6 amount, the company reports $527,163 24 in other assets in this coun- 
try, hut not in the hands of trustees or on deposit with any 6tate department where it is avail- 
able for payment of losses to citizens of this state, and therefore not recognized as a credit 



under the laws of Massachusetts. 



1881.] FOREIGN FIRE 

Risks and 

Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



INSURANCE COS. 

Premiums. 



373 



Premiums. 

$95,038,040 00 $1,046,373 09 
116,446,808 00 1,153,627 93 



$211,484,848 00 $2,200,001 02 
108,218,679 00 1,049,446 91 



$103,266,169 00 $1,150,554 11 
3,775,336 00 42,899 35 



,490,833 00 $1,107,654 76 



UNITED STATES BRANCH OF THE LION FIRE INSURANCE 
COMPANY, LONDON, ENGLAND. 

M. Bennett, Jun., Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds, 4s ... $400,000 00 $470,000 00 



Securities held as collateral for cash loans : — 

Chicago and Alton Railroad stock 

N. Y., New Haven, and Hartford R.R. stock . 

Chicago and Alton Railroad stock 

Wells, Fargo, & Co.'s Express Company stock . 

Adams Express Company stock. 

Travelers' Insurance Company stock . 

American Express Company stock 

iEtna Insurance Company stock 

Cleveland, Col., Cin., and Indianap. R.R. stock, 

Beloit and Madison Railroad bonds . 

United States Express stock .... 

Hannibal and St. Joseph Railroad stock . 

Wabash, St. Louis, and Pacific R.R. stock 



Market value. Loaned thereon. 



$6,650 00 
2,380 00 
6,650 00 
6,500 00 

11,840 00 
480 00 
460 00 
1,920 00 > 
8,275 00 
2,100 00^ 
7,650 00 | 

10,975 00 
1,850 00 J 



$4,500 00 

800 00 

4,500 00 

12,000 00 



9,000 00 



15,000 00 



Summary of Assets Dec. 31, 1881. 

Bonds as per schedule .... 
Loans on collateral security as per schedule, 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 

Gross assets .... 
Deduct special deposits in other states 

Balance .... 



$67,730 00 


$45,800 00 


31, 1881. 




$470,000 00 




45,800 00 




83 74 




87,015 49 




54,920 19 






$657,819 42 




. 


235,000 00 



$422,819 42 



374 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 

Losses adjusted unpaid .... $14,163 11 

Losses claimed and reported . . . 20,000 00 

Unearned premiums on outstanding risks . 168,121 31 

Gross liabilities $202,284 42 

Deduct liabilities on special deposits . . 33,402 38 



Surplus 



$168,882 04 
$253,937 38 



Income. 
Cash received for fire premiums . . . §467,911 54 
Deduct re-insurance and return premiums . 92,126 21 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 
Remittance from home office . . . $94,764 39 

Gross cash income 



Expenditures. 

Cash paid for fire losses 

for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals 

Gross cash expenditures .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 



",785 33 

17,040 15 

$392,825 48 

$102,261 34 

59,210 03 

13,434 53 

6,698 12 

42,120 63 

8223,724 65 

Premiums. 

807,462 95 

467,911 54 

$525,374 49 
199,742 13 

$31,173,701 00 $325,632 36 



$7,026,180 00 
50,649,384 00 

$57,675,564 00 
26,501,863 00 



UNITED STATES BRANCH OF THE LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY, LIVERPOOL, ENG. 

James E. Pulsford, Resident Manager. 

Office, No. 45 William Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 

Par value. Market value. 

United States bonds $1,315,000 00 $1,552,687 50 

New York state bonds .... 45,000 00 52.200 00 

Richmond city bonds 5,000 00 6,400 00 

Mississippi pay warrants . 20,000 00 20,000 00 



$1,385,000 00 $1,631,287 50 



1881.] FOREIGN FIRE INSURANCE COS. 



375 



Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $953,000 00 
Loans on mortgage of real estate (first liens), 1,288,586 00 



Interest due or accrued thereon . 

Bonds, etc., as per schedule 

Cash in the office of the company 

Cash deposited in bank 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Re-insurance due 

Loans on life policies . 

Miscellaneous .... 

Gross assets 
Deduct special deposits in other states 



Balance 



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 
Reclaimable on perpetual fire policies 
Life and annuity reserve fund . 
Commissions and brokerage 
Miscellaneous ..... 

Gross liabilities .... 
Deduct liabilities on special deposits . 

Surplus .... 



26,950 28 

1,631,287 50 

651 38 

527,354 16 

6,364 82 

313,421 79 

17,047 69 

9 70 

11,238 20 

1,678 10 



-$4,777,589 62 
. 298,793 75 

. $4,478,795 87 



$5,423 06 

459,013 66 

64,513 10 

$528,949 82 
67,855 62 

$461,094 20 

1,988,017 96 

306,227 10 

124,665 03 

53,477 94 

15,000 00 

$2,948,482 23 
188,754 24 



2,759,727 99 
$1,719,067 88 



Income. 

Cash received for fire premiums . . $3,469,239 01 

Deduct re-insurance and return premiums . 591,502 01 

Net cash received for fire premiums . . 

Interest received on bonds and mortgages . 



Interest and dividends received from all other sources 
Income from rents ........ 

Deposits received for perpetual fire risks . $16,778 77 
Income from life department . . . 13,147 90 



$2,877,737 00 
69,918 37 
96,655 32 
42,561 40 



Gross cash income 



. $3,086,872 09 



376 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses .... $1,923,13955 
Deduct salvage and re-insurance . . 172,701 46 

Net cash paid for fire losses . . . 

Cash paid for commissions and brokerage .... 

for salaries of officers and employes . 

for state and local taxes ..... 

for incidentals 

Deposits returned on perpetual fire risks . $14,795 94 
Expended in life department . . . 24,048 38 



$1,750,438 09 

511,302 49 

157,206 10 

53,670 11 

147,646 93 



Gross cash expenditures 



. $2,620,263 72 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$402,157,673 00 $3,607,660 63 
. 455,670,324 00 3,472,696 03 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$857,827,997 00 $7,080,356 66 
. 393,224,915 00 3,014,914 19 



$464,603,082 00 $4,065,442 47 
. 14,736,193 00 134,565 24 



$449,866,889 00 $3,930,877 23 



UNITED STATES BRANCH OF THE LOXDOX ASSURANCE 
CORPORATION, LONDON, ENGLAND. 

B. Lockwood, Resident Manager. 

Office, No. 88 Wall Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 

Net amount of unpaid losses 

Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liabilities on special deposits . 



$1,260,400 00 

141 75 

109,285 35 

36,452 08 



$1,406,279 18 
269,075 00 

$1,137,204 18 



$35,000 00 
504,701 87 

$539,701 S7 
60,026 53 



479,675 34 



Surplus 



$657,528 84 



1881.] FOREIGN FIRE INSURANCE COS. 377 



Income. 

Cash received for fire premiums 
Deduct re- insurance and return premiums . 
Net cash received for fire premiums . 
Interest and dividends received from all sources 
Income from home office .... 

Gross cash income .... 



$891,734 09 
135,188 00 



$40,000 00 



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 
for incidentals .... 
remitted to home office 

Gross cash expenditures 



$491,710 97 
18,493 09 



$14,511 72 



Risks and Premiums. 



$756,546 09 
47,176 95 

$803,723 04 



$473,217 88 

122,884 37 

31,446 44 

22,771 68 

63,414 99 

$713,735 36 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 



Premiums. 

. $83,543,881 00 $796,398 87 
. 91,946,778 00 755,975 83 



$175,490,659 00 
. 75,305,505 00 



,553,374 70 
580,269 52 



,185,154 00 $973,105 18 



UNITED STATES BRANCH OF THE LONDON AND LANCA- 
SHIRE FIRE INSURANCE COMPANY, LIVERPOOL, ENG. 

Scull & Bradley, Managers of New England Branch. 

Office, No. 53 Devonshire Street, Boston. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 

New York city bonds 

Cash in office and deposited in banks 

Interest due and accrued . 

Premiums in course of collection (gross) 

Rents due and accrued 

Return premiums .... 

Duties advanced (since returned) 

Gross assets .... 
Deduct special deposits in other states 



Balance 
48 



$986,355 00 

16,050 00 

39,729 46 

117 89 

86,169 14 

433 00 

822 58 

19,343 98 



$1,149,021 05 
262,037 00 

$886,984 05 



378 



UNITED STATES BRANCHES OF [Dec. 31, 



Liabilities. 

Losses adjusted unpaid . . . . $4,189 02 

claimed and reported . . . 103,359 56 

disputed or resisted . . . 6,630 00 

Total amount of losses .... $114,178 58 

Less re-insurance 14,829 00 

Net amount of unpaid losses . . . $99,349 58 

Unearned premiums on outstanding risks . 482,127 36 

Due and accrued for rent, salaries, etc. . 1,879 78 

State and local taxes 3,241 23 

Commissions and brokerage . . . 13,102 08 

Return premiums 390 07 

Miscellaneous 1,367 10 

Gross liabilities $601,457 20 

Deduct liabilities on special deposits . . 55,540 80 



$995,966 80 
142,382 71 



Surplus 

Income. 

Cash received for fire premiums . 
Deduct re-insurance and return premiums . 
Net cash received for fire premiums . 
Interest and dividends received from all sources 
Income from rents ..... 



Gross cash income 

Expenditures. 

Cash paid for fire losses .... $619,916 49 
Deduct salvage and re-insurance . . 13,420 92 

Net cash paid for fire losses . . . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals ..... 

Gross cash expenditures .... 

Risks and Premiums. 



$545,916 40 
$341,067 65 



$853, 5S4 09 

34,879 65 

2,360 00 

$890,823 74 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



. $82,399,507 00 
. 120,950,1S1 00 

$203,349,688 00 
. 106,364,356 00 

. $96,985,332 00 
. 2,840,905 00 



$606,495 57 

155,709 20 

52,148 83 

18,878 83 

63,715 53 

$896,947 96 

Premiums. 

8778,539 31 
1,011,240 83 

^1,789,780 14 
856,713 S6 

$933,066 2S 
2S,506 36 



. $94,144,427 00 $904,559 92 



1881.] FOREIGN FIRE INSURANCE COS. 



379 



UNITED STATES BRANCH OF THE METROPOLE INSUR- 
ANCE COMPANY, PARIS, FRANCE. 

John C. Paige, Resident Manager. 

Office, No. 20 Kilby Street, Boston, Mass. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company- 
Cash deposited in National Webster Bank, 
Interest due and accrued . 
Premiums in course of collection (gross) 
Re-insurance due .... 
Gross assets .... 

Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 

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 

Gross liabilities .... 



Surplus 



$469,508 00 

300 67 

3,689 25 

2,850 00 

65,448 39 

4,367 57 



$9,685 66 
25,325 94 

$35,011 60 
4,453 32 

$30,558 28 

209,284 02 

2,900 62 

8,474 38 



$546,163 88 



251,217 30 
$294,946 58 



Income. 

Cash received for fire premiums . . $493,074 03 

Deduct re-insurance and return premiums . 134,302 02 

Net cash received for fire premiums . . ■ 

Interest and dividends received from all sources 
Received from home office .... 

Gross cash income .... 



,057 36 



$358,772 01 
8,131 24 



$366,903 25 



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 

Gross cash expenditures 



$262,589 27 
25,527 56 



$237,061 71 
77,090 96 
25,030 41 
11,713 45 

$350,896 53 



380 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force • 



. $20,813,750 00 
. 42,111,147 00 

. $62,924,897 00 
. 27,490,975 00 

. $35,433,922 00 
. 5,821,387 00 



Premiums. 

$287,005 47 
506,580 91 

$793,586 38 
345,894 41 

$447,691 97 
58,762 95 



. $29,612,535 00 $388,929 02 



UNITED STATES BRANCH OF THE NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY, LONDON AND EDIN- 
BURGH, GREAT BRITAIN. 

Charles E. White and Samuel P. Blagden, Managers. 

Office, No. 54 William Street, New York. 

Detailed Statement of Stocks, Bonds, etc. 



United States bonds . . 
New York county bonds 
New York city bonds 
South Carolina state bonds 
Tennessee state bonds 
Alabama state bonds . 
Virginia state bonds . 



Par value. Market value. 

$1,343,000 00 $1,564,672 50 
31,000 00 40,198 75 



18,000 00 
12,500 00 
26,000 00 
10,000 00 
64,966 67 



23,392 50 
12,750 00 
19,370 00 
8,150 00 
36,139 67 



$1,505,466 67 $1,704,673 42 



Summary of Assets Dec. 31, 1881. 

Bonds as per schedule .... $1,704,67342 

Cash in the office of the company . . Ill 00 

Cash deposited with Drexel, Morgan, & Co. 140,336 53 

Premiums in course of collection (net) . 185,360 02 

Notes taken for fire risks .... 1,625 61 

Re-insurance and salvage .... 12,557 67 

Gross assets 

Deduct special deposits in other states .... 

Balance 



$2,044,664 25 
300,055 00 

$1,744,609 25 



1881.] FOREIGN FIRE INSURANCE COS. 



381 



Liabilities 
Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liabilities on special deposits . 



$27,667 30 
53,998 61 
17,147 64 

878,125 46 

$976,939 01 
86,655 00 



Surplus 



$890,284 01 
$854,325 24 



Income. 

Cash received for fire premiums . • $1,489,773 80 

Deduct re-insurance and return premiums, 205,384 11 

Net cash received for fire premiums . . $1,284,389 69 

Interest and dividends received from all sources . • 73,842 30 



Gross cash income $1,358,231 99 



Expenditures. 

Cash paid for fire losses .... 
for commissions and brokerage . 
for salaries of officers and employes 
for state and local taxes 
for incidentals .... 



Gross cash expenditures 



$801,006 42 

175,966 78 

91,606 66 

31,280 63 

90,843 91 

$1,190,704 40 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

$164,967,385 00 $1,519,509 75 
232,078,619 00 1,534,062 81 



Total .... 
Deduct risks expired and terminated 

In force at end of year 



$397,046,004 00 $3,053,572 56 
199,924,214 00 i,345,604 14 



$197,121,790 00 $1,707,968 42, 



UNITED STATES BRANCH OF THE NORTHERN ASSUR- 
ANCE COMPANY, LONDON, ENGLAND. 

Richard D. Alliger, Resident Manager. 

Office, 33 Pine Street, New York. 



Summary of Assets Dec. 31, 1881. 

United States bonds $813,781 63 

Cash in the office of the company . . 141 75 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



Cash deposited in various banks 
Premiums in course of collection (gross) 

Gross assets .... 

Deduct special deposits in other states 

Balance .... 

Liabilities 
Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Commissions and brokerage 

Gross liabilities .... 
Deduct liabilities on special deposits . 

Surplus .... 



$3,104 84 
60,481 13 



$15,844 35 
20,880 07 

3,851 14 
290,838 22 

7,704 74 

$339,118 52 
30,478 67 



8877,509 35 
275,637 50 

$601,871 85 



308,639 85 
$293,232 00 



Income. 

Cash received for fire premiums . . . $571,276 38 
Deduct re-insurance and return premiums . 75,436 76 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



$495,839 62 
32,817 76 

$528,657 38 



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 

for incidentals .... 

Gross cash expenditures 



$344,747 05 
2,378 33 



$342,368 72 

86,725 94 

37,701 96 

15,805 61 

2,193 03 

$484,795 26 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1 1881 . 



Risks and Premiums. 

Premiums. 

. 850.777,205 00 $532,287 93 
. 57,290,882 00 878,118 28 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$108,068,0S7 00 $1,110,406 21 
. 5S,584,992 00 550,760 91 



. $49,483,095 00 $559,645 30 
164,S78 00 1,787 9S 



$49,318,217 00 $557,S57 32 



1881.] FOREIGN FIRE INSURANCE COS. 



383 



UNITED STATES BRANCH OF THE NORTH GERMAN FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

J. Claussen, Resident Manager. 

Office, No. 202 Broadway, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds . 
Cash in the office of the company 
Cash deposited in various banks 
Premiums in course of collection (net) 

Gross assets 
Deduct special deposit in Virginia 



Balance 



$374,923 74 

3,569 99 

30,308 53 

25,673 69 



$434,475 95 
22,351 87 

$412,124 08 



Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 

Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liability on special deposit • 



$6,411 00 

16,425 00 

137,585 95 

$160,421 95 
2,816 40 



Surplus 



157,605 55 
$254,518 53 



Income. 

Cash received for fire premiums . . $308,673 97 

Deduct re-insurance and return premiums, 57,930 42 

Net cash received for fire premiums . . 

Interest received on bonds 



$250,743 55 
14,677 48 



Gross cash income $265,421 03 



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 

for incidentals .... 

Gross cash expenditures 



$187,024 74 
13,937 69 



$173,087 05 

47,382 71 

20,424 13 

9,678 66 

21,950 84 

$272,523 39 



384 UNITED STATES BRANCHES OF [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



Fremiums. 

$22,313,173 00 $265,018 62 
29,246,949 00 312,594 20 



$51,560,122 00 $577,612 82 
27,120,866 00 290,595 42 



$24,439,256 00 $287,017 40 
1,661,044 00 19,021 99 



$22,778,212 00 $267,995 41 



UNITED STATES BRANCH OF THE NORWICH UNION FIRE 
INSURANCE SOCIETY, NORWICH, ENGLAND. 

J. Montgomery Hare, Resident Manager. 

Office, No. 61 Wall Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in office of the company . 
Cash deposited in various banks 
Premiums in course of collection (net) 
Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 

Losses adjusted unpaid 

claimed and reported 

disputed or resisted 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 

Gross liabilities .... 
Deduct liabilities on special deposits . 



Surplus 



$641,737 50 

209 59 

55,304 73 

14,882 40 



$8,171 26 

29,516 99 

8,333 33 

223,545 60 

661 00 

$270,228 18 
21,164 18 



Income. 

Cash received for fire premiums . . $502,605 04 

Deduct re-insurance and return premiums . 76,658 11 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



$712,134 22 
244,920 00 

$467,214 22 



249,064 00 
1218,150 22 



$425,946 93 
21,600 00 

$447,546 93 



1881.] FOREIGN FIRE INSURANCE COS. 385 



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 

for incidentals '. 

Gross cash expenditures 



$257,285 87 
36,010 46 



$221,275 41 

64,380 32 

37,049 95 

7,914 12 

31,751 78 



$362,371 58 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

. $32,946,282 00 $308,307 80 
. 69,454,993 00 491,277 51 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured .. 

Net amount in force . 



$102,401,275 00 $799,585 31 
. 47,517,705 00 360,568 54 



. $54,883,570 00 $439,016 77 
. 3,131,389 00 17,974 46 



. $51,752,181 00 $421,042 31 



UNITED STATES BRANCH OF THE PHCENIX ASSURANCE 
COMPANY, LONDON, ENGLAND. 

Alexander D. Irving, Attorney. 

Office, No. 52 William Street, New York. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash deposited in various banks 
Interest due and accrued . 
Premiums in course of collection (net) 
Cash in hands of trustees . 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 



Losses adjusted unpaid 

claimed and reported 
disputed or resisted 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 
49 



$687,987 50 
47,504 34 

5,855 00 
40,018 41 

1,252 00 



$14,133 24 

98,843 97 

677 00 

$113,654 21 
27,000 00 

$86,654 21 



$782,617 25 
170,737 50 

$611,879 75 



386 



UNITED STATES BRANCHES OF [Dec. 31, 



Unearned premiums on outstanding risks . $422,049 22 



Gross liabilities . 
Deduct liabilities on special deposits . 



$508,703 43 
28,698 92 



Surplus 



Income. 

Cash received for fire premiums . . $837,418 80 

Deduct re-insurance and return premiums . 129,346 38 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



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 

for incidentals . 

Gross cash expenditures 



$143,302 84 
29,539 93 



$480,004 51 
$131,875 24 



$708,072 42 
22;i80 00 

$730,252 42 



3413,762 91 

104,084 97 

28,401 04 

18,652 57 

67,708 50 

$632,609 99 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 



Risks and Premiums. 

Premiums. 

. $47,629,274 00 $447,350 57 
. 104,513,951 00 833,082 57 



Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



1-52,143,225 00 $1,280,433 14 
61,637,296 00 481,951 93 



$90,505,929 00 $798,481 21 
7,261,451 00 45,232 54 



. $83,244,478 00 $753,248 67 



UNITED STATES BRANCH OF THE QUEEN INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

James A. Macdonald, Manager. 

Office, No. 37 Wall Street, New York. 

Summary of Assets Dec. 31, 1881. 

Cash value of unencumbered real estate . $351, 3 J4 36 

United States bonds 1,118,040 00 

Mississippi state bonds .... 20,000 00 



1881.] FOREIGN FIRE INSURANCE COS. 



387 



400 shs. Farmers' Loan and Trust Co , N. Y. 
Cash in the office of the company 
Cash deposited in various banks 
Interest due and accrued .... 
Premiums in course of collection (gross) . 
Rents due and accrued .... 
Re-insurance due ..... 
Gross assets ..... 
Deduct special deposits in other states 

Balance . 

Liabilities. 

Losses claimed and reported 

Losses disputed or resisted 

Unearned premiums on outstanding risks . 

Commissions and brokerage 

Gross liabilities ..... 
Deduct liabilities on special deposits . 



$35,000 00 
5,547 07 

62,894 94 
557 77 

76,754 19 

4,266 68 

481 00 



,674,936 01 
301,762 50 

1,373,173 51 



$158,490 41 

11,754 26 

742,481 61 

3,942 46 



$916,668 
67,549 



74 
56 



Surplus ........ 

Income. 
Cash received for fire premiums . . $1,442,595 95 

Deduct re-insurance and return premiums . 190,096 90 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Income from rents ........ 

Gross cash income ..... 

Expenditures. 
Cash paid for fire losses .... $803,228 77 
Deduct salvage and re-insurance . . 11,576 63 

Net cash paid for fire losses . . . 

Cash paid for commissions and brokerage . 

for salaries of officers and employes . 

for state and local taxes 

for incidentals ..... 



849,119 18 
$524,054 33 



,252,499 05 
48,935 83 
29,110 47 



. $1,330,545 35 



Gross cash expenditures . . . . 
Risks and Premiums. 



$791,652 14 

220,053 17 

80,198 33 

28,413 15 

81,166 56 

$1,201,483 35 



Fire risks outstanding Dec. 31, 1880 
Fire risks "writt "ii .luring 1881 . 

Total . . 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$113,108,825 
. 157,580,078 



Premiums. 

00 $1,149,041 22 
00 1,437,289 08 



$270,688,903 
. 130,064,069 



00 $2,586,330 30 
00 1,135,488 75 



$140,624,834 
. 2,855,048 



00 $1,450,841 55 
00 28,024 32 



$137,769,786 00 $1,422,817 23 



388 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE COMPAGNIE DE 
REASSURANCES GENERALES, PARIS, FRANCE. 

John C. Paige, Manager. 

Office, No. 20 Kilby Street, Boston, Mass. 



Summary of Assets Dec. 31, 1881. 

United States bonds. $353,250 50 

Deposited with trustees .... 26,782 00 

Cash in the office of the company . . 362 48 

Cash deposited in Atlas National Bank . 8,238 50 

Interest due and accrued .... 3,167 50 

Premiums in course of collection (gross) . 35,896 96 

Gross assets 



8427,697 94 



Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 

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 

Gross liabilities .... 



Surplus 



820,952 28 
19,981 05 

$40,933 33 
1,011 06 

.$39,922 27 

174,015 01 

1,622 25 

4,677 75 



220,237 28 
$207,460 66 



Income. 

Cash received for fire premiums . . $512,164 88 

Deduct re-insurance and return premiums . 113,168 93 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



$398,995 95 
9,660 00 

$408,655 95 



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 

Gross cash expenditures 



8289,392 39 
24,727 04 



§264.655 35 
94,087 55 
31,362 52 
11,375 01 

$401,490 43 



1881.] FOREIGN FIRE INSURANCE COS. 

Risks and Premiums. 



389 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$16,043,488 00 
45,043,350 00 

$61,086,838 00 
27,957,698 00 

$33,129,140 00 
4,161,198 00 



Premiums. 

$180,322 18 
517,269 60 

$697,591 78 
311,422 11 

$386,169 67 
46,774 79 



$28,967,942 00 $339,394 88 



UNITED STATES BRANCH OF THE ROYAL INSURANCE 
COMPANY, LIVERPOOL, ENGLAND. 

Scull and Bradley, Managers of New England Branch. 

Office, No. 53 Devonshire Street, Boston. 



Summary of Assets Dec. 31, 1881. 



Cash value of unencumbered real estate 
United States bonds .... 
Cash in the office of the company- 
Cash deposited in bank . 
Interest due and accrued . 
Premiums in course of collection (gross) 
Re-insurance due, etc. 
Prem's more than 3 mos. due, $13,761 14 

Gross assets .... 

Deduct special deposits in other states 



Balance 



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 

Reclaimable on perpetual fire policies 

Life and annuity reserve fund . 

Due and accrued for rent, salaries, etc. 

State and local taxes .... 

Commissions and brokerage 



$87,940 89 

2,445,747 50 

284 05 

200,134 17 

51,600 00 

177,483 30 

3,122 20 



- $2,966,312 11 
302,300 00 

. $2,664,012 11 



$87,026 54 

72,321 65 

8,883 33 

$168,231 52 
210 00 

$168,021 52 

1,374,918 60 

35,366 36 

132,100 00 

816 80 

9,677 72 

30,963 65 



390 UNITED STATES BRANCHES OF [Dec. 31, 

Return premiums $837 49 

Re-insurance, etc 30,530 51 



Gross liabilities $1,783,232 65 

Deduct liabilities on special deposits . . 184,581 03 

$1,598,651 62 

Surplus $1, 065,360 49 

Income. 

Cash received for fire premiums. . . $2,240,833 58 
Deduct re-insurance and return premiums . 355,106 51 

Net cash received for fire premiums . . $1,885,727 07 

Interest and dividends received from all sources . . 112,567 24 

Income from rents 969 91 

Deposits received for perpetual fire risks . . $7,980 24 



Gross cash income SI, 999, 264 22 

Expenditures. 

Cash paid for fire losses .... $1,401,994 85 
Deduct salvage and re-insurance . . 162,076 10 

Net cash paid for fire losses . . . $1,239,918 75 

Cash paid for commissions and brokerage .... 369,172 69 
for salaries of officers and employes . . . 110,862 77 

for state and local taxes 42,018 25 

for incidentals 84,531 83 

Deposits returned on perpetual fire risks . . $1,105 20 



Gross cash expenditures $1,846,504 29 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1880 . $257,811,602 00 $2,478,729 82 
Fire risks written during 1881 . . 285,772,423 00 2,240,109 52 



Total $543,584,025 00 $4,718,839 34 

Deduct risks expired and terminated, 244,360,156 00 1,888,148 03 



In force at end of year . . . $299,223,869 00 $2,830,691 31 

Deduct amount re-insured . . . 17,247,241 00 124.145 46 



Net amount in force . . . $281,976,628 00 $2,706,545 85 



1881.] FOREIGN FIRE INSURANCE COS. 391 



UNITED STATES BRANCH OF THE SCOTTISH UNION AND 
NATIONAL INSURANCE COMPANY, EDINBURGH, GREAT 
BRITAIN. 

M. Bennett, Jun , Manager. 

Office, No. 64 Pearl Street, Hartford, Conn. 

Summary of Assets Dec. 31, 1881. 

Loans on mortgage of real estate (first liens*), $253,500 00 

United States bonds 464,125 00 

Cash in the office of the company . 83 74 

Cash deposited in Nat'l Exchange Bank . 55,661 04 

Premiums in course of collection (net) . 46,968 70 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 

Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liabilities on special deposits . 

Surplus .... 



$820,338 48 
229,125 00 

$591,213 48 



$9,933 75 

27,092 00 

151,687 82 

,713 57 
37,541 81 



151,171 76 
$440,041 72 



Income. 

Cash received for fire premiums . . $425,850 96 

Deduct re-insurance and return premiums . 98,653 38 

Net cash received for fire premiums . . $327,197 58 

Interest received on bonds and mortgages . . . . 6,722 03 

Interest and dividends received from all other sources . 16,186 09 
Received from home office .... $150,236 84 

Gross cash income $350,105 70 

Expenditures. 

Cash paid for fire losses $93,377 95 

for commissions and brokerage .... 46,476 68 

for salaries of officers and employes . . . 13,434 55 

for state and local taxes 5,660 54 

for incidentals . . 30,241 22 

Gross cash expenditures $189,190 94 



* Value of lands mortgaged $265,000 00 

Value of buildings thereon 291,000 00 

Amount of insurance held as collateral . . . 223,000 00 



392 UNITED STATES BRANCHES OF [Dec. 31, 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 . 
Fire risks written during 1881 . 

Total 

Deduct risks expired and terminated 

In force at end of year 



Premiums. 

. $7,165,972 00 $60,155 53 
. 43,183,864 00 425,850 96 



. 850,349,836 00 $486,006 49 
. 24,209,355 00 199,098 59 



. $26,140,481 00 $286,907 90 



UNITED STATES BRANCH OF THE STANDARD FIRE 
OFFICE (LIMITED), LONDON, ENGLAND. 

John \V. >imonsox, Resident Manager. 

Office, No. 151 Broadway, New York. 



Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash in the office of the company 
Cash deposited with trustees and in bank 
Premiums in course of collection (gross) 
Re-insurance due, etc. 

Gross assets .... 

Liabilities 

Losses adjusted unpaid 
Losses claimed and reported 

Total amount of losses 
Less re-insurance 

Net amount of unpaid losses 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc. 
State and local taxes .... 
Commissions and brokerage 

Gross liabilities .... 



Surplus 



Income. 



_',456 25 
548 35 

124,618 51 

77,781 37 

924 24 



,022 90 
11,000 00 

38,022 90 
157 21 

137,865 69 

140.025 77 

750 00 

3,275 11 

15,556 28 



Cash received for fire premiums . . 8140,559 85 

Deduct re-insurance and return premiums, 6,958 38 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income ....... 






198,072 85 
8288,255 87 



$133,601 47 
1.539 04 

$135,140 51 



1881.] FOREIGN FIRE INSURANCE COS. 



393 



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 

for incidentals .... 

Gross cash expenditures 



813,124 31 
122 07 



$13,002 24 

10,938 84 

4,853 22 

34 58 

5,308 83 



$34,137 71 



Fire risks written during 1881 . 
Deduct risks expired and terminated 



Risks and Premiums. 

Premiums. 

. $34,895,013 00 $218,341 22 
. 6,103,377 00 11,352 47 



In force at end of year 
Deduct amount re-insured 

Net amount in force 



$28,791,636 00 $206,988 75 
20,250 00 137 30 



$28,771,386 00 $206,851 45 



UNITED STATES BRANCH OF THE TRANSATLANTIC FIRE 
INSURANCE COMPANY, HAMBURG, GERMANY. 

E. Harbers, Resident Manager, 

Office, New York. 



Summary of Assets Dec. 31, 1881. 

United States bonds $441,912 50 

Cash deposited in various banks . . 22,023 28 

Premiums in course of collection . . 18,095 61 

Gross assets 
Deduct special deposit in Ohio . 



Balance 



Liabilities 



Losses adjusted unpaid 

claimed and reported 

disputed or resisted . 
Unearned premiums on outstanding risks 

Gross liabilities .... 
Deduct liability on special deposit 



Surplus 
50 



$7,717 62 

17,173 52 

1,500 00 

125,528 39 

$151,919 53 
7,668 47 



$482,031 39 
118,500 00 

$363,531 39 



144,251 06 
$219,280 33 



394 



UNITED STATES BRANCHES OF [Dec. 31, 



Income. 
Cash received for fire premiums . . $273,210 47 

Deduct re-insurance and return premiums . 30,238 68 

Net cash received for fire premiums . . 

Interest and dividends received from all sources 

Gross cash income 



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 

for incidentals .... 

Gross cash expenditures 



$154,009 81 
1,857 51 



$242,971 79 
15,220 15 

$258,191 94 



$152,152 30 

45,683 66 

15,948 46 

5,077 50 

18,307 27 

$237,169 19 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$21,329,904 00 
25,645,964 00 

$46,975,868 00 
25,656,988 00 

$21,318,880 00 
157,082 00 



Premiums. 

$260,584 30 
272,015 01 

$532,599 31 
283,586 57 

$249,012 74 
1,322 96 



. $21,161,798 00 $247,689 78 



UNITED STATES BRANCH OF THE UNION MARINE INSUR- 
ANCE COMPANY (LIMITED), LIVERPOOL, ENGLAND. 

Endicott and Macomber, Attorneys. 

Office, 56 State Street. 

Summary of Assets Dec. 31, 1881. 



United States bonds .... 
Cash deposited in bank 
Interest due and accrued . 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 
Gross assets .... 

Liabilities 

Losses adjusted unpaid 

Losses claimed and reported 

Unearned premiums on outstanding risks 



$355,875 00 

5,868 32 

1,000 00 

24,046 52 

1,820 00 



$13,826 01 

4,951 95 

29,737 97 



$38S,609 S4 



1881.] FOREIGN FIRE INSURANCE COS. 



395 



Unused balances of premium notes . 
Due and accrued for rent, salaries, etc. 
State and local taxes . 
Commissions and brokerage 
Return premiums 
Miscellaneous 

Gross liabilities . 

Surplus 

Income. 
Cash rec'd for marine and inl'd premiums, 
Deduct re-insurance and return premiums . 
Net cash rec'd for marine and inl'd prem's, 
Interest and dividends received from all sources 

Gross cash income . 



14 

3,226 72 
322 50 

3,330 18 

64 20 

927 48 



$280,998 01 
44,834 65 



Expenditures. 

Cash paid for marine and inland losses 
Deduct salvage and re-insurance 
Net cash paid for marine and inland losses, 
Cash paid for commissions and brokerage • 

for salaries of officers and employes 

for state and local taxes 

for incidentals .... 

Gross cash expenditures 



Risks and Premiums. 



$100,612 80 
13,390 87 



Marine risks outstanding Dec. 31, 1880 
Marine risks written during 1881 

Total 

Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 



$2,085,763 00 
29,436,375 00 

$31,522,138 00 
28,888,487 00 

$2,633,651 00 
309,836 00 



$56,685 15 
$331,924 69 



$236,163 36 
11,000 00 

$247,163 36 



$87,221 93 

12,606 76 

9,887 11 

2,398 82 

1,992 88 

$114,107 50 



Premiums. 

$19,551 78 
284,193 05 

$303,744 83 
268,638 64 

$35,106 19 
6,201 39 



$2,323,815 00 $28,904 80 



UNITED STATES BRANCH OF THE WESTERN ASSURANCE 
COMPANY, TORONTO, CANADA. 

George O. Carpenter, New England Agent. 

Office, No. 13 Central Street, Boston, Mass. 

Summary of Assets Dec. 31, 1881. 

United States bonds ■ $553,048 00 

Georgia state bonds 26,625 00 



396 



UNITED STATES BRANCHES OF [Dec. 31, 



Mississippi state deposits . 
Dominion Savings and Investment Co. 
Imperial Loan and Investment Company 
Canadian Bank of Commerce . 
Cash deposited in various banks 
Premiums in course of collection (gross) 
Notes taken for marine and inland risks 

Gross assets .... 

Deduct special deposits in other states 



Balance 



Liabilities 



Losses claimed and reported 
Losses 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 $467,268 59 

Deduct liabilities on special deposits . . 87,374 03 



815,000 00 
24,000 00 
44,800 00 
70,000 00 
61,013 33 
91,029 73 
5,165 43 



$85,864 62 
3,600 00 

889,464 62 
6,435 41 

183,029 21 

366,033 43 
18,205 95 



Surplus 

Income. 
Cash received for fire premiums . . $886,526 34 

Deduct re-insurance and return premiums . 152,642 74 

Net cash received for fire premiums . . 

Cash rec'd for marine and iul'd premiums . 
Deduct re-insurance and return premiums . 
Net cash rec'd for marine and inl'd prem's, 
Interest and dividends received from all sources 

Gross cash income 



871,452 11 
7,162 81 



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 paid for commissions and brokerage 
for state and local taxes 
for salaries and incidentals 

Gross cash expenditures 



$605, 3S7 95 
29,344 90 

$22,523 17 
43 08 



$890,681 49 
339,925 00 

$550,756 49 



379,894 56 
$170,861 93 



8733,883 60 



64,289 30 
31,257 32 

$829,430 22 



8576,043 05 



22,480 09 

176,292 87 
16,133 93 

53,56S 50 

$844,518 44 



1881.] FOREIGN FIRE INSURANCE COS. 



397 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1880 
Fire risks written during 1881 . 

Total .... 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured . 

Net amount in force . 

Marine risks written during 1881 
Deduct risks expired and terminated 

In force at end of year 
Deduct amount re-insured 

Net amount in force . 



$117,530,533 00 
64,344,343 00 

$53,186,190 00 
2,463,470 00 



$52,269,324 00 
65,261,209 00 



Premiums. 

$700,270 19 
887,312 45 



1,587,582 64 
828,667 95 

$758,914 69 
45,847 83 



$50,722,720 00 $713,066 86 



$16,198,240 00 

16,123,372 00 

$74,868 00 

3,743 00 



$75,313 52 
70,511 89 

$4,801 63 
241 40 



$71,125 00 $4,560 23 



398 UNITED STATES BRANCHES. [Dec. 31, '81. 



AGGREGATE. 



Gross present assets * 


$25,463,284 00 


Gross present liabilities f . 


$13,820,068 00 


Income. 
Net cash received for fire premiums .... 
Net cash received for marine premiums 
Interest received from all sources .... 
Income from all other sources 


$19,146,125 00 

327,360 00 

964,439 00 

97,369 00 


Total income ....... 


$20,535,293 00 


Expenditures. 
Net cash paid for fire losses 
Net cash paid for marine losses . 
Cash paid for commissions and brokerage . 

for salaries of officers and employes 

for state and local taxes 

for all other items 






$11,665,625 00 

121,295 00 

3,525,956 00 

1,136,310 00 

454,347 00 

1,063,751 00 


Total expenditures 


$17,967,284 00 


Risks and Premium 
Fire risks written during the year 
Premiums thereon .... 
Marine risks written during the year 
Premiums thereon 
Fire risks terminated . 
Marine risks terminated 
Fire risks outstanding at end of year 
Marine risks outstanding at end of ye 


s. 
ar 








$2,652,196,800 00 

23,085,865 00 

50,925,278 00 

395.407 00 

2,166,402,478 00 

50,209,472 00 

2,301,860,556 00 

2,784,090 00 



* Immediately available for the payment of losses in this state. 

t Not including liabilities in 6tates wherein special deposits have been made. 



400 



FOREIGN FIRE AND MARINE [Dec. 31, 



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Framingham . 
Middleborough 
Cambridge 
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Concord . 
Newburyport . 
Lee . 

Hyde Park 
Lowell 
Ipswich . 
Wiiliamstown . 
Barre 
Slock bridge 

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Holliston 
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Hinsdale . 
VVinchendon . 




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Alden, Jared F. 
Bird, Herman . 
Brad way, M., & Son . 
Brown, Samuel W. . 
Carter, B F., & Co. . 
Chaffee, J. C. . 
Chapin, Charles M . 
Church, II. C, & Son 
Cogswell, Theodore F. 
Danforth, Keyes 
Davis, James F. 
Dunham, Henry J. . 
Fisher, M. M. . 
Fiske, George P>. 

Forbush, .James M. . 
Francis, L M. . 
Fuller, E. J. . 



1881.] OF OTHER STATES AND COUNTRIES. 405 



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Quincy . 

Ayer 

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Abington 

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Watertown 

Wellesley 

Easthampton . 

Holyoke . 

Webster . 

Charlestown . 

Nashua, N.H. 

Springfield 

Ware 

Hingham 

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Greenfield 

Wakefield 

Mansfield 

Boston 

Maiden . 

Hopkinton 

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Gifford, James . 
Goodell, W. S. . 
Goodwin, James 0. . 
Gordon, William R. . 
Gould, Jesse, & Son . 
Hall, John T. . 
Hardwick, John, & Co. 
Hay ward, E. H. 
Hodges, Charles W. . 
Howland, F. P., & Sons 
Hoyt, G , & J. F. 
Hunt & Hamilton 
Hyde, James F. C. . 
Ingraham, W. H. 
Jennings, Albert 
Johnson, C. B. . 
Johnson, R B. . 
Johnson, Waldo 
Kendall, Isaac B. 
Kimball, John G. 
Ladd Brothers & Co. . 
Lane, Otis 

Loring, E. Bradley . 
Lyman, Herbert 
Lyons, Samuel J. 
Mansfield, J. D. 
McRae, Alexander H. 
Mercer & Whittemore 
Merrill, Charles 
Meserve, Clement 
Nichols, C. S., &Co. 



406 



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Stoneham 
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Puffer, Loring W. 
Richardson, O. P., jun. 
Sherman, Joseph 
Silsbee & Pickford 
Slade, John P , & Son 
Smart, Joseph A. 
Smith & Skerry . 
Smith, Henry A. 
Stacy, S. A., & Son . 
Stevens, Charles G., & Son 

Stratton, Daniel W. . 
Swan, Albert I). 
Tarr, J. Truman & Co. 
Taylor, George W. . 

Thomas, R, A. . 
Tillinghast & Alden . 


Tyler, Edward I). 
Underhay, John 
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Walker | Oliver . 



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Gardner . 
Westbo rough 
Haverhill 
Beverly . 
New Bedford 
Fall River 
Plymouth 
Quincy . 
East Cambridg 
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Athol 
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Springfield 

1> rook line 
Fitchburg 

Rockland 

Nantucket 


NAME OF COMPANY AND AGENTS. 




■ 








. . 6 © . . . .1 . . . 


Bartlett, D. L. . 
Blaney, Alexander . 
Carter, B. F., & Co. 
Chapin, Charles M. . 
Cheever & Lee . 
Clark, W. E. . 
Colby, W. R , &Co 
Collins,. T. C. . 
Conn, George H. 
Crosby & Boit . 
Davis, James F. 
Dunn & Dunn . 
Fairbanks, John W. 
Frankle, Jones . 
Gordon, William R. 
Grinnell, L., & Son 
Haffards, G. M. 
Hall, John T. . 
Ilardwick, John, & C 
Hastings, W. B., & I 
Hodges, Charles W. 
Hunt & Hamilton 
Judd, C. C. 
Ladd Brothers . 

Lincoln, William, & . 
Lockey & Allison 

Lowell, Ira P. . 

Macy, George W. 



1881.] OF OTHER STATES AND COUNTRIES. 415 

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1881.] OF OTHER STATES AND COUNTRIES. 417 



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Salem 

Stoughton 

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Brockton 

Pittsfield . 

Wareham 

Great Barrington 

Melrose . 

Lynn . . , 

Vineyard Haven 

Boston 

Spencer . 

Amherst . 

Waltham 

Springfield 

Worcester 

North Adams . 

Leominster 

Palmer . 


























6 . , . ..A .. , • . 


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Hastings, W. B., & C 
Holbrook, Leander . 
Judd, C. C. 
Kennedy, Thomas C. 
Kilbride, J. J. . 
Liffler, Charles . 
Lincoln, William, & ( 
McCann, J. A., & Co 
Mitchell, Daniel L. . 
Nichols, C. S., &Co. 
Paul, Abram C. 
Pendergast, George E 
Pierce, Chauncey H. . 
Puffer, Loring W. 
Richardson, fi. W. . 
Ryder, Thomas M. . 
Selkirk, A. W. . 
Serrat, William D. . 
Silsbee & Pickford . 
Smith, II. II. . 
Stearns Brothers 
Stone, Emerson 
Thomas, Edward A. . 
Viles, Daniel F. 
Warriner, S. C. 
Washburn, J. D. 
Whitaker, C F. 
Whittier, Samuel, & < 
Willis, A. II. . 



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418 



AGENTS OF INSURANCE COS. [Oct. 31, 




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1881.] OF OTHER STATES AND COUNTRIES. 419 



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Easthampton 

Holyoke . 

Webster . 

Lynn 

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Beverly . 

Brookline 

Bridgewater 

Lawrence 

Ware 

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Salem 

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Brockton . 

Springfield 

Merrimac 

Hudson . 

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Ayer 

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Marlborough , 














Hamant, Charles 
Howe, Samuel E. 
Howlaiid, E. P. 
Johnson, Charles B. . 
Johnson, R. B. . 
Johnson, Waldo' 
Johnson, William F. 
Judd, F. A. ... 
Lefavour, Issachar 
Lincoln, William, & Son 
Lowe, Lewis G. 
Mack, A. E. . 
Medcalf, William 
Merrill, E. S. . 
Meserve, Clement 
Munroe, A. C. . 
Nichols, Charles S., & Co. 
Parker, George G. 
Preston, N. W. . 
Puffer, Loring W. 
Pynchon, Joseph C. . 
Sargent, Bailey . 
Stratton, Daniel W. . 
Tillinghast & Alden . 
Town send, James 
Underwood, G. E. . 
Viles, Daniel F. 
Walker, Oliver . 
Washburn, John D. . 
White, Luther . 
Whitney, E. C. . 



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