15089. Second National Bank (Elmira, NY)

Bank Information

Episode Type: Run Only
Bank Type: national
Bank ID: 149
Charter Number: 149
Start Date: August 7, 1883
Location: Elmira, New York (42.090, -76.808)

Metadata

Model: gpt-5-mini
Short Digest: c6e3fc33

Response Measures

Accommodated withdrawals, Borrowed from banks or large institutions

Description

Multiple contemporaneous papers (Aug 7–8, 1883) report a large run on the Second National Bank of Elmira triggered by reports that President D. R. Pratt lost heavily in pork speculations. Articles state the president settled demands from his private fortune, the bank was believed solvent, and funds were available to pay depositors (including a reported $100,000 from New York). No suspension, closure, or receivership of this bank is mentioned.

Events (3)

1. December 11, 1863 Chartered

Source: historical_nic

2. August 7, 1883 Run

Cause: Bank Specific Adverse Info
Cause Details: Run triggered by President D. R. Pratt's heavy losses/speculation in pork markets and related rumors about his losses and effect on the bank.
Measures: President reportedly settled demands from his private fortune; bank stated it had money ready to pay every depositor; reports of $100,000 received from New York to assist.
Newspaper Excerpt: There is a big run on the Second National Bank of Elmira, in consequence of its president, D. R. Pratt, having lost $150,000 in a pork speculation.
Source: newspapers

3. February 25, 1939 Voluntary Liquidation

Source: historical_nic

Newspaper Articles (10)

1. August 8, 1883 Daily Globe Saint Paul, MN

Article from Daily Globe, August 8, 1883

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FINANCIAL WRECKS. REBATCH OF FAILURES ENGLAND. ANOTHER PORTED FROMNEW Cases Very Heavy The Liabilities in Hinge Most Upon the Other Un- to -Each Seems Extent-A to General eling of easiness a Great in Commercial Circles. Aug. 7.-The Herald this morning says there of BOSTON, in Lynn the suspenwere reports on account of small sion of Chas. Most of the several failures, W. Clements, among shoes made manufacturers. Clements' trade. by amorg those affected by Gale them is were for factories reported embarrassed. thirty Samuel the or None of the failure employ said over their suspenhands, and The Shaw in effe thought to of business men to undersion Clements' forty is onlytemporary. be Lynn's more it far is given reaching than failureis states the ct stand. on public some has been H. Mars failure places C. thought the position that he the city's financiers in a It isasserthe one was that of not several thought suspensions to occupy. will during occur the the linen manufacturers is thought no few be involved in any YORK, will Aug. 7.-The a big run on says of Elmira among amounts ed ensaing Advertiser NEW days, there but is it commercial case. in Pratt, large con- the Second National bank president, D. R. speculation. sequence having lost of $150,000 its in to be pork solvent and has The president bank is able believed to stand the loss of $150,000 a or $300,000. 7.-W. C. & R. M. in Silsby, BOSTON, Aug. H., have failed, contanners of Troy, failure N. of Hersey, make Whittier no & sequence Wyman, of of the E. Boston. H. McClure, They will tanner also failed. and currier of of these firms assignment. Peabody, Mass., has are not defiknown. & Co., wool made Federal street, all their property firm is an employee houses of nitely The assignment Wright, liabilities Wooster of have failed The and dealers to Boston, Lester one an of prominent business. The of the done a large a ties Goodwin, and has thought wool to aggregate has stood in liabil- worth heavy very are The concern been considered failure figure. good $100,000 credit and to $150,000. the trade. The yet is from causes regards surprise the liabilities.nothing those as As definitely, but are of the opinion bulk known the firm's business exceed $300,000, the banks, that they thought to be of cases, which it the father of have, in Jno. Worster, firm, and who and who Worster of endorsement with which of will the is of not worth majority $500,000 owed is currently to out- the the reported as far to as be known, engaged retired in from is any trade since. to a several upon as of due distrust in a great now prevalent in side not, feeling business, years community. having The part failure 7.President general looked the mercantile ALBANS, Vt., August company says The last the Brainerd ST. of will the not Trust lose depositors much. with dedepositors 2,100 railroad men posits of $600,000. Fairbanks, statement showed Several held a conferGov. Barlow's the Eastern to the South said a The its including statement of ence bank incorrect. to-day loan that at suggested comptroller comptroller residence. reduction. approved for road The an it was too large and bank prepared take place. was First National did not failure The unexpected run Aug. which 7.-Barlow's here. The local creof the insolvates no are said to have amply some secured. claims The ent banks paper, but are railroad $1,250,000 has secured against lent the lately, but bonds. The Canadian Pacific Southeastern mortgage fully for association has for re- by port that from loss $1,750,000 money the first Investment failure is not consuspended firmed. by 7.-Just prior to their the Me., Aug. & Bro.'s of) Ring, mortgage BANGOR, property of F. Shaw in recorded, Maine to Bangor attachments S. E. parbeing put on by $50,000, of were of about personal by Portland, telegraph amount Vanceboro and Poulton. to- on of ties to the Kingman, was received cords not the that the bnt the bark A dispatch asking at from release Boston so of 100 tannery there day bark at Kingman, be obliged to Should suspend, they not be tanneries might was refused. bark the loss to might request able to in have the obtain to process shut the down, of tanning and the was would some be in of hides very great. N. Y., Aug. circles -There yesterday to the morning the Second anxiety ELMIRA, on account business rumors National as bank, of its of rumored uscertained that caused by the When it was all the had from his private thousand the soundness president. president settled peculations hundred demands fortune, a against the himself him still several bank had reaction money and other dollars, leaving and every that depositor, DO excitement, cause for alarm. took ready place. to pay banks Now assert there there is is no

2. August 8, 1883 Daily Republican Wilmington, DE

Article from Daily Republican, August 8, 1883

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Busin The effect of the Barlow failures was very depressing on business in St. Albans, Vermont, yesterday. President Brainerd, of the Trust Company, says the depositors " will not lose much," but the depositors are less hopeful. The Company's last statement showed that it had 2,100 depositors with deposits aggregating $600,000. Several railroad men, among them General Fairbanks, bad a conference at Barlow's house. The First National Bank prepared for a run yesterday morning, but none trok place. Wright, Wooster & Co., wool deal. ers, of Boston, made an assignment yesterday. Their liabilities are supposed to be large. The firm was considered worth from $100,000 to $150,000. It stood well in repute, and the failure caused much surprise. W. C. & R M. Silesby, tanners, of Troy, New Hampshire, have failed as a consequence of the failure of Hersey, Whittier & Wyman, of Boston. E.M. McClure, tanner and currier, of Peabody, Massachusetts, has also failed. Several small boot and shoe firms of Lynn, Massachusetts, failed yesterday, in consequence of the suspension of Charles W. Clements, but it is thought their suspension will be only temporary. The Boston Traveler reports the failure of William B. Fowle, Treasurer of the Auburndale Watch Company, and says it will involve the Company. His liabilities are supposed to be small. There was a heavy run on Monday upon the Second National Bank of Elmira, New York, because its President, as reported, had lost $150,000 in pork speculations. As he was stated to have fully settled all the demands upon him, still retaining a large private fortune, the run upon the bank ceased yesterday. The Chicago and Alton Railroad Company has given notice of its withdrawal from the Chicago, and St. Louis freight pool. This action, a result of the recent cut in passenger rates, is regarded as portending " a general passenger and freight war betweu the points named." diseases of

3. August 8, 1883 National Republican Washington, DC

Article from National Republican, August 8, 1883

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FRAGILE FIRMS. The Big Failures in Boston Likely to be Followed by a Lot of Smaller Ones-A Brief Run on a Bank at Elmira, N.Y. BOSTON, Aug. 7.-The Herald says there were reports in Lynn this morning of several failures on account of the suspension of Charles W. Clements among small manufacturers. Most of the shoes made by them were for Mr. Clements's trade. Samuel Gale was among those reported as embarrassed. None of the factories affected by the Clement's fall employ over thirty or forty hands, and it is said their suspension will be only temporary. The Shaw failures is thought to be more far reaching in its effect upon some of Lynn's business men than the public has yet been given to understand The C. H. Ward statement is thought peculiar, and places one of the city's financiers in a position which he was not thought to occupy. It is asserted that several suspensions will occur among the small Lynn manuficturers during the ensuing few days, but it is thought that no large amounts will be involved in any case. The Traveller says Wm. B. Fowle, treasurer of the Auburndale Watch company, failed last night. His liabilities are now supposed to be small, although nothing definite has yet been learned. The failure will undoubtedly involve the Auburndale Watch company, whose liabilities, it is thought, will far exceed the assets. BOSTON, Aug. 7.-Wright, Wooster & Co., wool dealers, at No. 86 Federal street, failed to-day and made an assignment of all their property to Lester Goodwin, of Newton. one of their employes. The firm is one of the prominent wool houses of Boston, and has done a large business. The liabilities are supposed to be heavy. The concern stood well and was considered to be worth from $100,000 to $150,000. The failure causes much surprise in the trade. As the regards the liabilities nothing is yet definitely known, but those conversant with the firm's business are of the opinion that they do not exceed $300,000. The bulk of this is thought to be owed to the banks which havein the majority of cases the indorsement of John Wooster, father of Mr. Wooster, of the firm who is currently reputed to be worth $500,000, and who is not, as far as known, engaged in any outside business, having retired from trade several years since. The failure is looked upon as due in a great part to the general feeling of distrust now prevalent in the mercantile community. ST. ALBANS, VT., Aug. 7.-The effect of the Barlow failure is to depress business affairs here to-day. The result of the investigation of the affairs of the bank by the examiner will not be known until to-night or to-morrow. President Brainard, of the trust company, says that the depositors will not lose much, but the latter are not so hopeful. The trust company's last statement showed 2,100 depositors, with deposits of $500,000. Several railway men, including Gov. Fairbanks. held a conference to-day at Barlow's residence. The statement that the comptroller approved of the bank's loan to the Southeastern rail1 way was incorrect. The comptroller said it was too large, and suggested its reduction. The First National bank expected and prepared for a run this morning, but none took e S place. NEW YORK, Aug. 7.-The Commercial Ade vertiser in its financial columns says: Mutter$ ings were heard of the distress of a $200,000 capitalized bank in Elmira, whose surplus 5 was over $50,000. Upon investigation, it was learned that there was a big run on the bank, e the Second National of Elmira, in conse1 quence of its president, Mr. D. R. Pratt, having lost $150,000 in pork speculation. The bank is believed to be solvent, as the president is fully able to stand the loss of $150,000 or $300,000. ELMIRA, Aug. 7.-There was some anxiety in business circles here yesterday morning on account of rumors as to the sounduess of the Second National bank, caused by the rumored speculation of its president. When it was ascertained that the president had settled all demands against him from his private fortune, leaving him still worth several hundred thousand, and that the bank had money ready to pay every depositor, a reaction took place. To-day there is no excitement, and the other banks assert there is no cause for alarm.

4. August 8, 1883 Daily Globe Saint Paul, MN

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FINANCIAL WRECKS. ANOTHER BATCH OF FAILURES REPORTED FROM NEW ENGLAND. The Liabilities in Most Cases Very Heavy to Each Seems to Hinge Upon the Other a Great Extent-A General Feeling of Uneasiness in Commercial Circles. BOSTON, Aug. 7.-The Herald says there of were reports in Lynn this morning several failures, on account of the suspen- small sion of Chas. W. Clements, among made manufacturers. Most of the shoes them were for Clements' trade. Samuel Gale by is amorg those reported embarrassed. the None of the factories affected by failure employ over thirty or and it is said their is The to be more far reaching the of Lynn's business men sion thought forty Clements' some hands, onlytemporary. Shaw in than failureis suspen- under- effect H. on public has been given Mars to states stand. he C. thought the failure places that of the city's financiers in a Itisassert- position one was not thought to occupy. occur he that several suspensions will the the linen manufacturers few days, but it is thought no ed among ensning during case. large will be involved in any Aug. -The the amounts NEW YORK, commercial on Advertiser says there is a big run in conNational bank of Elmira of its president, D. lost $150,000 in pork is believed to be The a able to stand the loss Second sequence having president bank solvent speculation. R. of and $150,- Pratt, has 000 or $300,000. 7 W. C. & R. M. Silsby, BOSTON, of Aug. Troy, N. H., have failed, Whittier in contannere of the failure of Hersey, make no sequence Wyman, of Boston. They will and & assignment. E. H. McCluie, tanner failed. of Peabedy, Mass., has also deficurrier of these firms are not Wooster & Co., wool have failed and Lester of all their property is one nitely The liabilties assignment Federal Wright, known. street, firm dealers to made an of an employe. The Boston, Goodwin, prominent wool houses of The liabilof the done a large business. and has thought to aggregate a in heavy very ties are The concern has stood worth figure. credit and been considered failure good from $100,000 to $150,000. The surprise in the trade. causes regards the liabilities,nothing conversant asyet is As definitely, but those opinion known the firm's business are of the bulk with will not exceed $300,000,the to banks, that they it is thought to be owed the of which in the majority of cases, of the endorsement which have, of Jno. Worster, father currently of the firm, and who is and who Worster to be worth $500,000 out- is reported far as known, engaged in from any trade not, as business, having retired looked side since. The failure is general several as years due in a great part to a in the feeling upon of distrust now prevalent mercantile ALBANS, community. Vt., August 7.-President the ST. of the Trust company says The last Brainerd will not lose much. with dedepositors showed 2,100 depositors railroad men statement $600,000. Several conferincluding posits of Gov. Fairbanks, residence. held a The at Barlow's approved ence to-day that the comptroller road statement loan to the South Eastern said it of a bank The comptroller reduction. incorrect. and suggested its for too National bank prepared The which did not failure unexpected run Aug. 7.--Barlow's The here. MONTREAL, was was First large embarrassment take place. local cre- an ates no to have some of banks are said but are amply secured. has Canadian Pacific for $1,250,000 ent paper, the Southeastern railroad secured the insolv- claims The for re- by against money $1,750,000 lent first lately, Investment mortgage but fully bonds. association The has suspended port that the from loss by failure is not confirmed. Me., Aug. 7.-Just prior of to their the BANGOR, of F. Shaw & Bro.'s E. Ring, mortgage personal property in recorded, Maine to attachments S. of Portland, being put on by Bangor par- on by telegraph amount were of about and $50,000, Poulton. ties to the Kingman, Vanceboro received tobark A dispatch at the from release Boston of was the 100 tannery cords of bark at Kingman, so to suspend, bnt not be obliged Should they not day might asking that there the be request was refused. the bark the tanneries loss to able to obtain shut down, and the would be might hides in have the to process of tanning business very ELMIRA, great. N. Y., Aug. 7.-There circles was yesterday some the anxiety in on account of rumors as to bank, morning the Second National of its soundness of rumored speculations that caused by the When it was ascertained the demands president. had settled all private fortune, against leaving the president himself him still from several the his bank hundred had thousand money to pay every DO dollars, ready and Now that there-is depositor, excitement, a reaction cause for alarm. took and other place. banks assert there is no

5. August 8, 1883 The Waco Daily Examiner Waco, TX

Article from The Waco Daily Examiner, August 8, 1883

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NEW YORK, August 7. The Commer cial Adv ruser says: There is a big run on the Second National bank, of Elmira, in consequence of its president, D. R. Pratt, having lost $150,000 in a pork speculation. The bank is 1, lieved to be solvent. It has is president able to stand the loss of $150,000 or $300,000. EX-PRESIDENT DAVIS AND JUDGE BLACK PHILADELPHIA, August 7. The Times prints an elaborate answer from Jefferson Davis to Judge Black's repeated exposure of secession secrets. in which the ex-confederate president renewed in rather pun gent sentences the assertions and record of Judge Black as President Buchanan's chief cabinet officer. ARMS AND AMMUNITION FOR CHINA. SAN FRANCISCO, August 7.-Last Thursday five hundred cases of ammunition and arms were sent on the Pacitic

6. August 8, 1883 Daily Los Angeles Herald Los Angeles, CA

Article from Daily Los Angeles Herald, August 8, 1883

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EASTERN. Run on a Bank. NEW YORK, Aug. 7.--The Commercial Advertiser says: There is a big run on' the Second National Bank of Elmira, in consequence of its President, D. R. Pratt, saying that he lost $150,000 in the Park speculation. The bank is believed to be solvent. It says the President is able to stand the loss of $150,000 or $300,000. Sterling Exchange and Bonds. NEW YORK, August 7.-Sterling bills on London, sixty days, $4.84}; sterling bills on London, sight drafts, $4.88; U. S. 4y's of 1891, interest quarterly, $1121; U. S. 4's of 1907, interest quarterly, $119; U.S. 3's, $1.03; Western Union Telegraph, $78.

7. August 8, 1883 The Rock Island Argus Rock Island, IL

Article from The Rock Island Argus, August 8, 1883

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BUSINESS FAILURES. Failures Run en a National Bank at Lynn. Mass.-.A Treasarer Short. NEW YORK, Aug, 7.-The Commercial Ad. vertiser says there is a big run on the Second National bank of Elmira, it consequence of President D. R Pratt having lost $150,000 in a pork speculation. The bank is believed to be solvent, as the president is able to stand a loss of $150,000 or $300,000. BOSTON Mass. Aug. 7.-The - Heraid says there were reports in Lynn of several failures, on account of the suspension of Charles W Clements among small manufacturers Most of the shoes made by them were for Clements' (rade Samuel Gale was among those reported embarrassed. None of the factories affected by Clements' failure employ over thirty or forty hands, and it is said their suspension will be only temporary The Shaw failure is thought to be more far-reaching in its effect upon some of Lynn's business men than the public has yet been given to understand C. H. Ward's state ment is thought to be peculiar and places one of the city's financiers in a position which 49, was not thought to occupy. It is asserted that several suspensions will occur among small Lynn manufacturers during the eusu ing few days, but it is thought no large amounts will be involved in any cases BOSTON, Aug. 7 -The Traveller says Wil liam P. Fowler, treasurer of the the Auburn date watch company, failed. Liabilities are now supposed to be small, although notning definite is yet learned The failure will un doubtedly involve the Auburndale watch company, whose liabilities, it is thought, far exceed its assets

8. August 8, 1883 The Salt Lake Herald Salt Lake City, UT

Article from The Salt Lake Herald, August 8, 1883

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Bank Row. New York, 7.-The Commercial. Aavertiser says there is a big run on the Second National Bank of Elmira in consequence of its president, D. R. Pratt, saying he lost $150,000 in pork specuistion. The bank is believed to becolvent, and says the president is able to stand the loss of $150,000 or $300,000.

9. August 9, 1883 The Portland Daily Press Portland, ME

Article from The Portland Daily Press, August 9, 1883

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A Bank's Credit Endangered by Specula tion. ROCHESTER, Aug. 8. -The rumors affecting the solvency of the Second National bank of Elmira grew out of the fact that the President had been speculating in pork. The firm of S. X. Metzger & Son of Elmira, for years has been known far and wide as being extensively engaged in the beef and pork trade. The firm consisted of S. X. Metzger & Son, of Elmira, for years has been known far and wide as being extensively engaged in the beef and pork trade. The firm consisted of S. X. Metzger, an elderly gentleman, and his son, Theodore G. Metzger. On Saturday the firm was desolved. So apparently well conducted and extensive was the business, and so great were the prcfits under the energetic management of the younger Metzger and the conservative direction of his father, that separation of the two caused much excitement. The cause of the dissolution, when it became known on Sunday, took the business community by surprise. Theodore had been speculating in pork in Chicago to a very extensive degree, and, owing to the break in the market lately, he had lost heavily. His course, it is alleged, was without the knowledge or consent of the head of the firm. It also became known that there were outstanding notes given by Mrs. Metzger, and bering the firm's name to the amount, it is asserted, of over $70,000. These notes, it is claimed, the elder Metzger knew nothing about. They were issued without his cognizance, much less his approval. They were held by D. R. Pratt, President of the Second National Bank. Yesterday it became known in Eimira that Pratt had also ben speculating in pork, and had also lost heavily. Some put his losses as high as $200,000, but his friends say it is not as much as that, while the family assert that the losses are small and have nothing to do with the affairs of the bank Much excitement was created by the news, and large numbers of depositors hastened to the bank and withdrew their deposits. There was no panic and BO run on the bank, but considerable uneasiness prevailed. Authoritative advices received from Elmira say that D. R. Pratt, President, and C. R. Pratt, his son, Cashier, have charge of the bank and are transacting its business, and that $100,000 was received from New York to help them. So far as has been learned there is little reason to doubt the solvency of the bank, but it is generally thought that it will suffer considerably from future loss of business.

10. August 10, 1883 The Times Owosso, MI

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has pardoned a murderer named Clarence Rutherford. During the revival conducted by Rev. George O. Barnes, Mrs. Blackburn had Rutherford taken to proremorse his fessed the meetings the deepest in irons, where for he crimes. His subsequent behavior led to his release. At an election in Utah, under the federal every a tices camps. county, and law, the constables gentiles the Mormons electing in mining carried few jusThe legislature will be composed wholly of young Mormons. The registration lists at Salt Lake contained nearly six thousand names, and but twentyseven hundred votes were cast. L. L. Conrad, a prominent lawyer of Baltimore, whose father was secretary of war under President Fillmore, was shot dead by his insane wife, who was suffering terribly from neuralgia of the stomach. The coroner's jury finds that the lady intended to commit suicide and had no intention of injuring her husband. Sullivan, the bruiser, returned to Boston and opened the finest saloon in New England, on Washington street. A crowd of roughs blocked up the sidewalks and the police cleared them with great difficulty. When the doors of the place were opened, the crowd surged in with such force as to break down the orass railing in front of the bar. The clearing-house exchanges in the country last week-$796,508,223 $28,996,485 less than the previous week, showing quite a reduction in general business. New York alone reports reduction, as compared with the corresponding week last year of 42.3 per cent.. when its exchanges exceeded the sum total of the country last week by $135,000,000. The financial upheavals have had a depressing effect on trade. Hon. Bradley Barlow, of St. Albans, Vermont, president of the Southeastern Railway company, was forced to suspend payment on account of the failure of negotiations for the sale of the road to the Canadian Pacific. His embarrassment caused the suspension of the Vermont National bank and of the St. Albans Trust company. Mr. Barlow assigned all his property to the bank for advances of $320,000 to the railroad. A detective of St. Louis joined a gang of car-robbers at Illinois,a was its in branches. however, taught led Their the to Brooklyn, the business suspicion recent in battle of all him, which Marshal Henry was killed. Warrants was then obtained at Belleville for the arrest of four of the thieves, and Detective Furlong and six officers bagged the party at midnight Saturday. Leading Irishmen of Kansas City believe that the man who killed informer Carey is Captain Thomas Phelan, of that place. He left for Dublin about two given Cape on willful name Town, murder, months by Saturday the the ago, cable prisoner and being is exact. the gave held description his for At as a a fora were on merly sail, Patrick Ireland, butler. O'Donnell, now There laborer, native found of but Goodhis person some papers executed at Toronto in 1876. The telegraphers employed on the Delaware, Lackawanna and Western railroad have presented a bill of grievances, and the strikers claim that similar action will be taken on the roads leading out of Chicago. The Milwaukee chamber of commerce adopted resolutions declaring that for some weeks telegraphic service in Wisconsin by the Western Union company has been virtually suspended, and urging the governor to have the attorney general report what relief can be had under the laws. The shoe factory of Charles W. Clem ent, at Dover. New Hampshire, has been attached by Boston banks. He had shops in six cities, with Fayette Shaw as a special partner, and his liabilities are $500,000. The creditors of Shaw & Brothers have been informed that the total indebtedness is $3,200,000 and the convertible assets are $1,000, 000. The shoe and leather firm of Herzy, Whittier & Wyman, doing business on Federal street, Boston, has perminently closed its doors, with debts aggregating $500,000. Aconsiderable number of telegraphers on the Pittsburg division of the Baltimore and Ohio road struck Tuesday. A party of thirty-six is expected to quit work at East St. Louis. The order of the Brotherhood seems to have taken only a corporal's guard of men from the Wabash and Alton roads. The Western Union offers areward of $1,000 for persons caught cutting or crossing wires in the vicinity of New York The Alton road was embarrassed Tuesday by the bunching of wires at Corwith Station. The demands upon the treasury of the Brotherhood at Chicago grow more numerous and urgent. The extensive wool-house of Wright, Wooster & Co., of Boston, has made an assignment to one of its employes, with liabilities believed to be very large. W. C. & R. M. Silsby, tannners at Troy, New Hampshire, have suspended payment, and several failures are expected at Lynn, Massachusetts. There was serious run on the Second National bank at Elmira, New York, on rumors that President Pratt had lost large amounts in pork speculations, but the people were soon informed that he had paid in the full amount of his indebt-