"I do not know to what I should attribute any small success on my part, unless it should be a good knowledge of the value of money, an intolerance of inefficiency and failure, and an unwillingness to admit defeat or loss until every energy and effort had been exhausted in an attempt to recover.
I have been in the banking business practically all of my life and have a great respect and pride for that line of work. One of the most attractive features of my connection with this company was the opportunity and latitude given me by the board in putting banking on a higher plane and I believe the operation of this company has been a considerable factor in the betterment of banking conditions in the territory contiguous to the bank.
"From the close connection we have with the banks, through audits and reports, we can quickly detect an tendency on the part of the management to follow any line of unusual hazard. My experience has been that prompt action has saved not only large losses to the banks but, better still, has saved the business solvency of many of their customers.
General Policy. 