Emerson Natl Bank Warrensburgh NY 1926 Demand Loan Interest Notice M Wist
$ 6.86
Description
Emerson Natl Bank Warrensburgh NY 1926 Demand Loan Interest Notice M Wist. A printed bank notice from The Emerson National Bank of Warrensburgh, New York, documents a demand loan interest payment due on January 1, 1926, and received on January 4, 1926. This single-sheet form, a type of commercial ephemera from the Roaring Twenties, provides a tangible record of small-town banking practices and personal finance in Warren County, New York. The notice is addressed to Mr. Berry W. Woodward of Warrensburg, New York, and requests the return of the advice with payment, a standard business practice that ensured accurate bookkeeping and created a paper trail for both the bank and the borrower. The form features a printed header with the bank’s name and location in a serif typeface, followed by the recipient’s address. A tabular section, printed with column headers for “DATE OF LAST PAYMENT OF INTEREST,” “AMOUNT OF PRINCIPAL,” and “INTEREST DUE TO DATE ABOVE STATED,” contains three handwritten entries. These entries record three separate demand loans with principals of $1,000.00, $2,200.00, and $3,000.00, with last interest payments dated October 1, 1925, August 26, 1925, and October 5, 1925, respectively. The corresponding interest due amounts are $15.00, $45.46, and $42.50, with a handwritten total of $102.96 at the bottom of the column. The verso or receipt section, stamped “JAN 4 - 1926,” is signed by a bank officer, M. Wist, confirming the receipt of the interest payment. The use of a rubber stamp for the date and a handwritten signature for the teller or cashier illustrates the hybrid clerical methods of the era, combining pre-printed forms with manual entries to manage financial transactions. The paper shows age-related toning and fading, which is typical of such documents from this period. This notice is a representative example of the printed commercial forms used by American banks in the early twentieth century to communicate with customers and maintain precise records of demand loans, a type of short-term borrowing that was a common feature of the era’s banking landscape.
