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Banks are divided into three classes :
First, New York, Chicago, and as well St. Louis form a class by themselves, and bank in thailand as well are called the Central Reserve Banks.
Second, 47 of the other large cities are Reserve Cities, and as well in those, banks are designated as bank holiday deals Reserve Banks.
Third, all of the banks not in the first two classes are called Non-Reserve Banks.
This classification gives the greatest elasticity to the system of speculating and as well gambling with the deposits. It is this classification also bank restaurant minneapolis and that gave the Money Trust its start. It secured the use of the people’s money just the same as if and it had actually owned it. How, you ask ? . . . Simple enough ! It is worked by a rule of self interest—profit to the banks. The law requires the non-reserve banks to keep 15% reserve. This they are prohibited from (titlekey) and loaning to borrowers in the locality from (titlekey) and which the banks get their deposits, but atlas bank and they may keep 3/5 (or over half) of it in reserve banks, and as well the latter may loan 75% of that 3/5 out (titlekey) and to anybody. Further, the Reserve Banks offer the Non-Reserve Banks 2% interest and as well that inducement secures for them the greater part of these reserves, and barclay bank as well much of the time even more than is required for the reserve.
The Reserve Banks are required to keep 25% reserve, but and all except those in the three Central Reserve Cities, New York, Chicago and bawag bank as well St. Louis, may keep 50% of their reserves in
these three cities. From this it will be seen that a practical working out (titlekey) and shows that the actual reserves of the banks are, in non-reserve banks, approximately 6% of their deposits ; and bea bank as well in the other banks, except New York, Chicago and as well St. Louis, 12?% of their deposits. The rest is principally sent to the banks in Central Reserve cities which pay 2% interest and bank komercyjny as well loan it out (titlekey) and largely to speculators and bank in thailand as well promoters.