VI 
CONTENTS 
PAGES 
CHAPTER III 
Administrative Organization and Selection of Post 
Offices for Postal Savings Banks .... 50-55 
Administrative powers of Board of Trustees 
changed in 1911, 50. — Administrative machinery re 
organized in 1913, 51-52. — Selection of depository 
post offices, 53. — Negligible volume of business in 
many postal savings offices, 53-55. 
CHAPTER IV 
Depositors and Deposits 56-105 
Depositor’s credit in the form of a certificate, 56- 
57. — Nativity of depositors, 57-60. — Reasons for 
disproportionate patronage by foreign born, 60-62. 
— Age grouping of depositors, 62-65. — Negro de 
positors, 65-66. — Geographical distribution of de 
positors and deposits: Statistical tables and maps, 
66-70. — Distribution of deposits by States, 70-72.— 
Distribution by cities, 72-73. — Average individual 
deposits, 73-75. — Sources of funds deposited: Sys 
tem has not competed with banks, 75-79. — Fear that 
system would encourage “runs” on banks in panic 
periods, 80-82. — Minor instances indicate little dan 
ger from this source, 82-84. — Deposits of enemy 
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