15235. Medina National Bank (Medina, NY)

Bank Information

Episode Type
Suspension → Closure
Bank Type
national
Bank ID
4986
Charter Number
4986
Start Date
June 21, 1904
Location
Medina, New York (43.220, -78.387)

Metadata

Model
gpt-5-mini
Short Digest
a072d453

Response Measures

None

Receivership Details

Depositor recovery rate
45.0%
Date receivership started
1904-06-22
Date receivership terminated
1906-12-31
OCC cause of failure
Fraud
Share of assets assessed as good
12.8%
Share of assets assessed as doubtful
40.7%
Share of assets assessed as worthless
46.5%

Description

Acting Comptroller closed the bank following an examiner's report finding insolvency from excessive loans to officers and bad collateral. A national bank examiner was appointed receiver, indicating permanent closure/receivership rather than a temporary suspension or run.

Events (4)

1. February 19, 1895 Chartered
Source
historical_nic
2. June 21, 1904 Receivership
Newspaper Excerpt
National Bank Examiner Robert Lyons has been appointed receiver.
Source
newspapers
3. June 21, 1904 Suspension
Cause
Government Action
Cause Details
Closed by direction of the Acting Comptroller of the Currency after an examination found the bank insolvent due to excessive loans to the president and cashier, speculation on margin, and worthless collateral.
Newspaper Excerpt
The Medina National bank of Medina, N. Y., has been closed by direction of the acting comptroller of the currency on the report of an examination made by Examiner J. W. Schofield, showing the bank to be insolvent.
Source
newspapers
4. June 22, 1904 Receivership
Source
historical_nic

Newspaper Articles (10)

Article from The St. Louis Republic, June 22, 1904

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Article Text

GENERAL DOMESTIC. The Medina National Bank of Medina, N. Y., has been closed by order of the Act. ing Comptroller of the Currency. Irregularities said to have been found caused the department to appoint a receiver. The Executive Committee on St. Louis Day at the World's Fair decided yesterday that August 11 was too early for that celebration. The event will become part of the fail festivities. Excessive writing in filling out invitations to official functions has caused Miss Lavinia Egan. secretary of the Board. of Lady Managers, to lose the use of her right hand, which became paralyzed from the severe strain. A man giving his name as Peter Hardy threw a brick through the show window of S. Relley, No. 511 North Sixth street, and secured diamonds valued at $2,500 yesterday afternoon. The Georgia building at the World's Fair was opened with a reception yesterday. The eighteenth annual State Convention of the Missouri Christian Endeavor Union convenes here to-morrow. Christian Brothers' College students recelved diplomas, which were conferred by Arohbishop Glennon. The Coroner of New York causes the arrest of a United States inspector, who refuses to testify at the inquest on the ground that he would incriminate himself. One hundred and twelve more bodies have been recovered, bringing the grand total now to 845, with more than 300 persons still unaccounted for. Texas delegates to the Democratic National Convention are-instructed for Judge Parker.


Article from The Daily Morning Journal and Courier, June 22, 1904

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Article Text

BANK CLOSED. Medina National of Medina, N. Y., Shut Up by Acting Comptroller. Washington, June 21.-The Medina National bank of Medina, N. Y., has been closed by direction of the acting comptroller of the currency on the report of an examination made by Examiner J. W. Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver. Earl W. Card is president and Robert W. Clark is cashier. The failure of this bank, the acting comptroller says, is due to excessive loans to the president and cashier, principally to the former, and to enterprises in which they are interested; speculation by them in stocks on margin, and wholly or partly worthless collateral. The capital stock of the bank is $50,000.


Article from The Montgomery Advertiser, June 22, 1904

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Article Text

MEDINA, N. Y., BANK CLOSED. Made Excessive Loans to its President and Cashier. Washington, June 21.The Medina National Bank of Medina, N. Y., has been closed by direction of the Acting Comptroller of the Currency on the report of an examination made by Examiner J. W. Schofield showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver Earl L. Card is President and Robert W. Clark is cashier. The failure of this bank. the Acting Comptroller says, is due to excessive loans to the President and Cashier, principally to the former. and to enterprises in which they are interested, speculation by them in stocks on margin, and wholly or partly worthless collateral. The capital stock of the bank was $50,000, with a surplus of $33,045 and deposits of $353,000. The loans and dividens amounted to $304,673.


Article from The Birmingham Age-Herald, June 22, 1904

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Article Text

NEW YORK BANK CLOSED. Examiner's Report Shows Medina Bank Is Insolvent. Washington, June 21.-The Medina National bank of Medina, N. Y., has been closed by direction of the acting comptroller of the currency on the report of an examination made by Examiner J, W. Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver. Earl L. Card is president and Robert W. Clark is cashier. The failure of this city, the acting comptroller says, is due to excessive loans to the president and the cashier, principally to the former, and to enterprises in which they are interested, speculation by them in stocks on margin and wholly or partly worthless collateral. The capital stock of the bank was $50,000, with a surplus of $33,045, and deposits of $353,000. The loans and dividends amounted to $304,673.


Article from The Stark County Democrat, June 24, 1904

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Article Text

BANK CLOSED Excessive Loans Made to Officers Washington, D. C., June 21.-The Medina National bank of Medina. N. Y., has closed upon-the recommendation of Examiner Schofield and Examiner Robert Lyons has been appointed receiver. The failure of this bank is alleged to be due to excessive loans to the president and cashier and to enterprises in which they are interested. The bank's loan discounts are $304,000 and the deposist $352,000. Medina, N. Y., June 21.-President Card of the Medina National bank, which was closed by the comptroller of the currency today stated that the report that officers of the bank had speculated in stocks is not true. He declared that he was greatly surprised at the action of the government authorities in closing the bank. He declined to make any further statement.


Article from The Bellefontaine Republican, June 24, 1904

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Article Text

A National Bank Suspends. Washington, June 22.-The Medina national bank, of Medina, N. Y., has been closed by direction of the acting comptroller of the currency on the report of an examination made by Examiner Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver. Earl W. Card is president and Robert W. Clark, cashier. The failure of this bank, the acting comptroller says, is due to excessive loans to the president and cashier, principally to the former, and to speculation by them in stocks on margin and worthless collateral.


Article from The Owosso Times, June 24, 1904

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Article Text

Medina, N. Y., Bank Closed. Washington, June 22.-The Medina National bank of Medina, N. Y., has been closed by direction of the acting comptroller of the currency, on the report of an examination made by Examiner J. W. Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver. Earl W. Card is president and Robert W. Clark cashier. The failure of this bank, the acting comptroller says, is due to excessive loans to the president and cashier, principally the former, and to enterprises in which they are interested, speculation by them in stocks on margin and wholly or partly worthless collateral.


Article from The Forest Republican, June 29, 1904

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Article Text

Medina National Bank Closed. The Medina National bank of Me dina, N. Y., has been closed by the act ing comptroller of the currency on the report of an examination made by Ex aminer J. W. Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyon has been ap pointed receiver. Earl W. Card is president and Robert W. Clark cashier. The failure of this bank, the acting comptroller says, is due to excessive loans to the president and cashier. principally to the former, and to enterprises in which they are interested, speculation by them in stocks on mar gin, and wholly or partly worthless collateral.


Article from Cameron County Press, June 30, 1904

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Article Text

A National Bank Suspends. Washington, June 22.-The Medina national bank, of Medina, N. Y., has been closed by direction of the acting comptroller of the currency on the report of an examination made by Ex. aminer Schofield, showing the bank to be insolvent. National Bank Examiner Robert Lyons has been appointed receiver. Earl W. Card is president and Robert W. Clark, cashier. The failure of this bank, the acting comptroller says, is due to exces. sive loans to the president and cash. ier, principally to the former, and to speculation by them in stocks.


Article from The Buffalo News, November 2, 1931

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Article Text

MEDINA BANK IS CLOSED State Superintendent Takes ChargeShrinkage of Cited. MEDINA Central Bank Medina Monday the request the board directors. This action. was the heavy owned the bank directors held several The Central is charge of the Medina National bank failed in 1904