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$101,963,604 75, which is evidence of a pretty considerable business. THE CITIZENS' nas the same story to tell of returning confidence among its depositors, and, as a consequence. the return of money lately withdrawn. Last week the deposits, which are increasing daily, reached $70,000. THE ATLANTIC has a favorable record to show also. There is an excess of deposits over payments, and the accounts show a surplus of $189,204 16. THE MECHANICS' AND TRADERS' looks serenely towards the future. Deposits exceed payments, and only ten persons have expressed an intention of withdrawing their money at the expiration of the thirty days' notice. THE NEW AMSTERDAM has no dimeulty to complain of. Deposits increased $13,000 during last week, and the demands were so light as to be hardly noticed. The foregoing record is calculated to inspire much confidence, and as the savings banks are so intimately related to the monetary interests of the poor, it is satisfactory to find them so well situated. During the panic the savings bank officers decided unanimously to enforce the rule requiring notice, if necessary, before deposits could be withdrawn, yet all these institutions have paid daily small amounts to depositors ID need. The 10llowing con anunication from Mr. Edgar Ketchum to the manager of the Freedman's Savings and Trust Company IS of interest as regards the validity of this proceeding:NEW YORK, Sept. 27, 1873. SAN. L. HARRIS, Esq., Manager:MY DEAR SIR-I have your letter of this morning, with a printed copy of your rule "6" attached as follows:"The company will, as a rule, pay all deposits on demand, yet reserves the right to require sixty days notice of intention to withdraw deposits, the intent of this rule being solely to protect the bank and its depositors in times of public excitement and danger. "You inquire whether, having announced the enforcement of this rule, you may pav to depositors in need small sums, or whether it will endanger the application of the rule. I answer, such action to. ward such depositors in need of small sums would not endanger the application of the rule. The rule is reasonable, is tor the best interest of the community and each depositor. It is applied just when it ought to be, in the very emergency provided tor. The indulgence granted, in respect to small sums to depositors in need. IS likewise reasonable, is merciful and just. The case put is. one of good faith and of wise and prudent action under an established rule common to savings banks. dealing with gentleness toward the poor, wo might otherwise suffer for want of bread. Yours, EDGAR KETCHUM. very truly,