13763. Connecticut River National Bank (Charlestown, NH)

Bank Information

Episode Type
Run → Suspension → Unsure
Bank Type
national
Bank ID
537
Charter Number
537
Start Date
December 19, 1931
Location
Charlestown, New Hampshire (43.239, -72.425)

Metadata

Model
gpt-5-mini
Short Digest
119b11c4

Response Measures

Full suspension, Books examined

Other: Bank examiners ordered additional funds; national examiner sent to take charge and reorganize or liquidate as needed.

Description

Multiple contemporary articles report heavy withdrawals (~$40,000) by panicky depositors that constituted a run and the bank's directors voted to suspend business at the regular closing time on Saturday, Dec. 19, 1931. Examiners were en route to reorganize or liquidate. Papers express hope the bank might resume, but no article here confirms a reopening or permanent closure, so outcome is uncertain.

Events (3)

1. October 21, 1864 Chartered
Source
historical_nic
2. December 19, 1931 Run
Cause
Rumor Or Misinformation
Cause Details
Newspapers state a panic/scare and rumors caused depositors to withdraw about $40,000 over the last few days, producing a run.
Measures
Officers attempted to secure additional capital; directors voted to suspend business at the regular closing time to protect depositors and assets; National Bank Examiner summoned.
Newspaper Excerpt
Excited depositors withdrew $40,000 during the past few days...causing the...institution to close its doors Saturday noon.
Source
newspapers
3. December 19, 1931 Suspension
Cause
Rumor Or Misinformation
Cause Details
Suspension was enacted after heavy withdrawals (a run) prompted directors to suspend at close; examiners had also found impaired capital due to bond depreciation and additional funds were required per examiners' orders.
Newspaper Excerpt
The directors...voted to suspend business at the regular time on Saturday, December 19, 1931.
Source
newspapers

Newspaper Articles (12)

Article from The Springfield Daily Republican, December 21, 1931

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Article Text

CHARLESTOWN, BANK CLOSES AFTER BIG WITHDRAWALS $40,000 Taken From Connecticut River National During Examiner Will Arrive Today Bellows Falls, Vt., Dec. panic Connecticut River National bank at Charlestown, north of withdrew $40,000 during few Saturday National Bank Examiner Grif. bank that be and liquidate can affairs must suspended The bank and Cashier Fred Perry for Inspectors Order More Funds issued president, and Fred H. River the by bank examiners the funds ment capital caused by the serious depremarket value bonds taken by the the bank secure terests Hope to Resume Business unturned attempt to raise would assets bank at on hatever steps the place that operation funds resumed


Article from The Boston Daily Globe, December 21, 1931

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TODAY'S GLOBE CONTENTS Page Eastern League officials, at meeting in New York, committee three manage affairs of circuit in 1932. Harry 72-hole Pasadena golf tournament with sub-par Page Radical shakeup of Boston Bruins Bruin Cubs defeat New Haven, to in hockey game. Deglane and Strack to wrestle Christmas night. Harvard team will play University Club Arena tonight. Fine play won pocket billiards title for Greenleaf. Levinsky's victory over Loughran provides fight promoters with new traction. The Sportlight. William M. president of 10th Olympic Committee, tells plans for games. 10 Page Much to be learned yet as world financial center. Page 11 Year-end lethargy steel making with unsettled prices curbing any incentive for placing orders. Seasonal upturn for industry almost Connecticut River National Bank at Charlestown, H. suspends after run. Industrial Bank and Trust Company pay 25 percent liquidation dividend savings depositors today. moratorium causes deadPort of Boston news. Page 12 Story of wise virgins cited by Rev Arthur Lee Kinsolving in Trinity Church story. Culbertson's secretary explains "blunders' match. Second Church in Dorchester invites new Pageantry and drama feature Sunday of Christmas in Greater Boston churches. Central Congregational Church and First hold first Church of the Edgar Davis writes to Brockton promise help depositors Plymouth County Trust Company.


Article from The Boston Daily Globe, December 21, 1931

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Article Text

CHARLESTOWN, N H, BANK IS CLOSED N H. 20-A panic of depositors the Connecticut River National Bank here, who withdrew $40,000 during the past days, caused the long-established financial institution to close its doors Saturday noon. National Bank Examiner Griffin of will arrive ing help the bank affairs such that the can opened, will stay and liquidate affairs the such that business must be suspended The bank was organized in 1853. deposits $400,000, investment estimated at capital $25,000, and surplus estimated about $10,000. statement issued by Frank W. Hamlin, president, and Fred Perry cashier: directors the Connecticut River National Bank wish to make the following statement to the suspension the bank on Saturday, Dec 1931. of the recent periodic the the bank by the bank examiners, the directors that was necessary to obtain funds replace the of the capicaused the market value of the bonds held by the bank. "Immediate steps taken by the officers of the bank to ditional comply with the orders the The situation brought the attention the bank and financial interests of the immediate locality withdrawals were made in the last days by run bank. airectors, sensing the left stone an attempt raise meet the Up within minutes of the closing Saturday was entertained that help would order to protect the secure assets bank voted lar closing time on Saturday, Dec 19, Following the regular examination the attempt will be made steps necessecure the interests of the bank place them financial basis order that business resumed. feel that with the cothe and funds are be resumed with safety and security.


Article from The Rutland Daily Herald, December 21, 1931

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Article Text

CHARLESTOWN, BANK IS CLOSED Officials Declare Steps to Be Taken to Reopen on Sound Basis. (Special to The Herald.) BELLOWS FALLS, DEC. 20.Heavy withdrawals from the Connecticut River National bank Charlestown, N. H., eight miles from here, during the last few days caused this long established financial institution to close its doors Saturday noon. National Bank Examiner Griffin of Boston arrive tomorrow morning to help straighten out the bank's The has been prosperous institution since its organization in 1853 and Cashier Fred H. Perry vouches for the excellent business it has been doing for the last 15 years. The amount of deposits are about $400,000; bonded investment estimated at $100,000; capital $25,000; surplus estimated about $10,000. Official's Statement. Following statement issued by Frank W. Hamlin, president, and Fred H. Perry, cashier: "The directors of the Connecticut River National wish to make the following statement relative to the suspension of business of the bank on Saturday December 19, 1931. 'At the conclusion of the recent periodic inspection of the accounts of the bank by the bank examiners, the directors were informed that it was necessary to obtain additional funds to replace the impairment of the capital cause of the serious depreciation of the present market value of the bonds, held by the bank. Immediate steps were taken by the officers the bank to secure this additional capital to comply with the orders of the federal gov. The to the attention of bank and financial interest of the immediate locality. "Heavy withdrawals were made in the last few days by depositors which constituted run on the bank. The directors sensing the situation, left no stone unturned in an attempt to meet the emergency. Up to within a few minutes of the regular closing time on Saturday, hope was entertained that help would be forthcoming. In order to protect the depositors and secure assets of the bank from further withdrawals was voted to suspend business at the regular time on Saturday, December 19, 1931. "Following the regular examina- tion of the bank's accounts by government officials, every attempt will be made to take whatever steps seem to secure the interests of the bank. place them on firm, in order that business may be The directors feel that with the co-operation of the depositors, and if funds are business can be resumed with safety and security."


Article from The Brattleboro Reformer, December 21, 1931

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CHARLESTOWN, N. H. BANK IS CLOSED Withdrawals By Panicky Depositors Force Connecticut River National To Close Doors-Hopes to Resume. CHARLESTOWN, N. H., Dec. 21 (AP). The Connecticut River National bank, organized in 1853. remained closed today and national bank examiner was en route from Washington to take charge of the institution's af- Sleds fairs Officials of the bank last night in announcing the closing, said that heavy withdrawals during the past week made it necessary to suspend Carts business at the regular closing time Saturday. The bank has deposits of $400,000. bonded of $100,000. capital of $25,000 and a surplus of $10,000. Frank W. Hamlin, president, and Fred H. Perry, cashier, said in joint "At the conclusian of the recent periodic inspection the directors were informed that it was necessary to obtain additional funds to replace impairment of capital caused by serious depreciation of the present market value of bonds held by the bank. Immediate steps were taken by the officers of the bank to obtain this additional capital Heavy withdrawals were made in the last few days which constituted run on the bank. Up to within a few minutes of the regular closing time on Saturday hope was entertained that help would be forthcoming. "The directors feel that with the co-operation of depositors and if funds forthcoming. business can be resumed with safety and security.'


Article from The Brooklyn Daily Times, December 21, 1931

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TIED UP Charlestown, N. H., Dec. Deposits tied up bank closings In New England increased today when the Connecticut River National Bank failed to open. This the 21st New England Bank since Oct. the National Bank close within that The Connecticut River National institution, has President Frank Hamlin explained the closing because the He expressed belief might resume and


Article from The Brooklyn Daily Times, December 21, 1931

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$96,363,262 TIED UP Twenty Bank Failure Reported in New England. Charlestown, N. H., Dec. 21.Deposits tied up by bank closings in New England were increased to $96,363,262 today when the Connecticut River National Bank failed to open. This is the 21st New England Bank to close since Oct. and the sixth National Bank to close within that period. The Connecticut River National, 78-year-old institution, has $400,00 in deposits. President Frank W. Hamlin explained the closing was because on the bank. He expressed the belief the institution might be able to resume business "with safety and security" shortly.


Article from Burlington Daily News, December 21, 1931

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NEW HAMPSHIRE BANK CLOSES IN FACE OF SCARE Run On Bank Caused by Rumors Depositors Withdraw $40,000.00 in Past Few Days BELLOWS FALLS, Dec. 21. (Special) Excited depositors withdrew $40,000 during the past few days from the Connecticut River National Bank of Charlestown. N. H. eight miles north of here. causing the lished financial institution to close its doors Saturday noon. National Bank Examiner Griffin of Boston arrives tomorrow morning to help in reorganizing the bank if affairs are such that the bank can be opened or stay and liquidate its affairs if the situation is such that business must be suspended permanently Always in Prosperous Condition The bank has been prosperious institution since its organization in 1853 and Cashier Fred H. Perry vouches for the it has been doing for the past 15 years The amount of deposits are about $400,000 mated about According to bank officials. heavy withdrawals were made in the last few days by depositors which constituted run of the bank. The directors sensing the situation. left no stone unturned in an attempt to raise funds to meet the emergency. Up to within a few minutes of the regular closing time Saturday, hope was entertained that help would be forthcoming In order to protect the depositors and secure assets of the bank from further withdrawals It was voted to suspend business at the regular closing time Saturday, December 19, 1931.


Article from The Barre Daily Times, December 21, 1931

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CLOSE BANK AT CHARLESTOWN. Connecticut River National Bank May Re-open Later. Charlestown, N.H., Dec. 21 (A.P.)The Connecticut River National bank, organized in 1853, remained closed to. day and national bank examiner was enroute from Washington to take charge of the institution's affairs. Officials of the bank last night in announcing the closing, said that heavy withdrawals during the past week made it necessary to suspend business at the regular closing time Saturday. The bank has deposits of $400,000, bonded investments of $100,000, capital of $25,000 and a surplus of 810,000. Frank W. Hamlin. president, and Fred H. Perry, cashier, said in joint statement: "At the conelusion of the recent pe. riodie inspection of the accounts the bank by the bank examiners, the directors were informed that it was necessary to obtain additional funds to place impairment of capital caused by serious depreciation of the present market value of bonds held by the bank. "Immediate steps were taken by the officers of the bank to obtain this ad ditional capital. Heavy withdrawals were made in the last few days which constituted a run on the bank. Up to within a few minutes of the regular closing time on Saturday hope was entertained that help would be forth coming. "The directors feel that with the co -operation of depositors and if funds are fortheoming, business can be resumed with safety and security. Charlestown, Mass., Bank Also Closed. Boston, Dec. 21 (A.P.)-The Charles. town Trust company in the Charlestown district failed to open its doors for business this morning. Officials of the bank said it had been taken under the supervision of the state bank commissioner at the request of the directors.


Article from The Times Record, December 21, 1931

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SMALL NEW HAMPSHIRE BANK CLOSES ITS DOORS Connecticut River Bank at Charlestown in Financial Straits Charlestown, N. H., Dec. 21. The Connecticut River National Bank, organized in 1853, closed today and national bank was enroute from Washington to take charge of the institution's affairs. Officials of the bank last night, in the closing, said that announcing heavy withdrawals during the past week made it necessary suspend business at the regular closing time Saturday. The bank has deposits of $400,000, of $100,000, capital of $25,000 and surplus of $10,000. Frank W. Hamlin, president. and Fred H. Perry, cashier, said in joint statement: "At the conclusion of the recent periodic inspection of the accounts of the bank by the bank examiners, the directors were that was necessary to obtain funds to replace impairment of capital caused by serious depreciation the present market value of bonds held by the bank. "Immediate steps were taken by the officers of the bank to obtain this additional capital. Heavy withdrawals were made in the last few days which constituted run on the bank. Up to within few minutes of the regular closing time on Saturday hope was entertained that help would be forthcom"The directors feel that with the cooperation of depositors and funds are forthcoming, business can be resumed with safety and security.'


Article from Springfield Weekly Republican, December 24, 1931

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CHARLESTOWN, BIG WITHDRAWALS $40,000 Taken From ConRiver National necticut Run Examiner During Will Arrive Today Bellows Falls, Dec. 20-A panic depositors the Connecticut River National bank at Charlestown, N. H., eight miles north of here, withdrew. $40,000 during the past this inits doors Saturday noon. Bank Examiner Griffin, of Boston, morning help in reorganizing the bank affairs such that the bank can be opened, stay and liquidate its affairs the situation such that business must suspended The bank has prosperous inorganization Cashier Fred has 15 years. deposits about bonded estimatcapital, surestimated about $10,000. Inspectors Order More Funds statement issued by Frank W. Hamlin, president, Fred Perry, directors of the Connecticut National bank make following statement the 1931. the periodic the the bank bank examiners the directors informed that necessary funds capital the serious ciation market value of the bonds held by the bank. "Immediate steps taken by the officers the bank secure capital comply with the orders the federal government. The brought locality. Hope Resume Business "Heavy were made in the last days by which the directors, the an attempt funds meet Up within minutes the regular closing Saturday that help would order protect the depositors the from further was suspend business at the regular closing time on SaturDecember 19, 1931. "Following the regular examinaaccounts ernment attempt steps the interplace them financial basis that may be resumed. "The feel that with operation funds business can be resumed with safety and security."


Article from The United Opinion, December 25, 1931

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State News Fatally Injured in Fall Ernest Begnoche, 40. of Panton was probably fatally injured when he fell about 12 feet from a staging inside one of the discarded storage silos of the Hudson Valley Fuel corporation at Burlington. He suffered a fractured skull, a broken arm between the shoulder and elbow, and cuts about the head and face. Aged Man Breaks Leg William Bean, 74-year-old trapper, left his home at Milton alone Friday morning to follow his trap l'ne over Arrowhead Mountain. In the afternoon, his grandson, Jimmie Farr. heard Mr. Bean call and found his grandfather on the mountain side. He had fallen and broken his leg just below the hip. Unable to crawl to habitation, or to make himself heard. Mr. Bean had lain in the snow for four and one-half hours. Charleston Bank Closes The Connecticut River National Bank of Charleston, N. H., did not open Monday and national bank examiner was on his way to take charge of the bank's affairs. The bank. organized in 1853, has deposits of $400,000, bonded investment of $100,000, capital of $25,000 and surplus of $10.000. Heavy withdrawals during the past week made it necessary to suspend business at the regular closing time Saturday. Frank W. Hamlin, president, and Fred H. Perry, cashier, said in a joint statement: the conclusion of the recent periodic inspection of the accounts of the bank by the bank examiners, the directors were informed that it was necessary to obtain additional funds to replace impairment of capital caused by serious depreciation of the present market value of bonds held by the bank. Immediate steps were taken by the officers of the bank to obtain this additional capital. Heavy withdrawals were made in the last few days which constituted a run on the bank. Up to within a few minutes of the regular closing time on Saturday hope was entertained that help would be forth. coming. The directors feel that with the cooperation of the depositors and if funds are forthcoming, business can be resumed with safety and security." ST. its springtime now in Tasmania. Anyway the Tasmanian swan in the ZOO is sitting on half a dozen eggs. But then peacocks are in full plumage and there are dandelions on the ZOO lawn.