ANNUAL REPORT ON THE COOPERATIVE SAVINGS AND LOAN ASSOCIATIONS OF NEW YORK.

Annual Report of the Superintendent of Banks Relative to Cooperative Savings and Loan Associations, for the year 1896. Transmitted to the Legislature of the State of New York, March 1, 1897. F. D. Kilburn, Superintendent of Banks. 799 pp.

This report consists of: A letter of transmittal, 24 pages; a list of cooperative savings and loan associations that have reported to the banking department, or have been organized or authorized under the banking law, from 1875 to 1897, including building-lot associations, 29 pages; a detailed statement of the condition of the cooperative savings and loan associations of the State of New York, January 1, 1897, as compiled from reports to the banking department, 584 pages; a comparative table of assets, liabilities, receipts, disbursements, etc., of cooperative savings and loan associations for the year 1896, 81 pages; a detailed statement of the condition of lot associations, 22 pages; a copy of the law governing the organization and supervision of cooperative savings and loan associations, 40 pages.

The tables following give the aggregate assets and liabilities, receipts and disbursements, etc., of 349 national and local associations in the State:

ASSETS AND LIABILITIES, RECEIPTS AND DISBURSEMENTS, OF 349 SAVINGS AND LOAN ASSOCIATIONS FOR THE YEAR 1896.

ASSETS AND LIABILITIES, RECEIPTS AND DISBURSEMENTS, OF 349 SAVINGS AND LOAN ASSOCIATIONS FOR THE YEAR 1896-Concluded.

MISCELLANEOUS STATISTICS OF 349 SAVINGS AND LOAN ASSOCIATIONS FOR THE

ANNUAL REPORT ON THE BUILDING AND LOAN ASSOCIATIONS OF OHIO.

Sixth Annual Report of the Bureau of Building and Loan Associations of Ohio, for the year ending December 31, 1896. W. S. Mathews, Ex-officio Inspector of Building and Loan Associations. 516 pp.

This report contains returns of business operations and other data received from all building and loan associations in the State for the year ending December 31, 1896. Twenty-four pages are devoted to an introduction and summary, and 481 pages consist of statistical tables showing in detail for each association comparative data for 1895 and 1896, assets, liabilities, receipts, disbursements, statements of earnings, distribution of earnings, record of shares, miscellaneous statistics, date of organization and capital stock, and the names of officers and depositories.

The statement following shows the totals for all associations in the State as presented in the summary. Of the 755 associations in the State 8 were national.

These figures show an increase over the year 1895 of 5.31 per cent in the amount of capital stock paid in. There was likewise an increase of 6.37 per cent in the number of members, of 5.20 per cent in the amount of assets and liabilities, of 0.83 per cent in the amount of receipts and disbursements, and of 5.50 per cent in the total earnings.

ELEVENTH ANNUAL REPORT OF THE STATE BOARD OF ARBITRATION AND CONCILIATION OF MASSACHUSETTS.

Eleventh Annual Report of the State Board of Arbitration and Conciliation of Massachusetts, for the year ending December 31, 1896. Charles H. Walcott, Chairman. 204 pp.

The report proper consists of an introduction and detailed accounts of thirty cases dealt with by the board. An appendix contains a digest of laws relating to State and local boards and other tribunals of conciliation and arbitration in the United States.

During the year the board took cognizance of controversies involving persons whose yearly earnings were estimated at $1,216,300. The work of the board has been about the average amount and of the same general nature as in former years, except that arbitration cases, as distinguished from cases of conciliation, have been relatively more numerous than heretofore. The expense of maintaining the board of arbitration and conciliation for the year has been $11,305.86.