Junior Examiner:
Frank H. Hoffmaster Baltimore
Junior Examiner:
Frank B. Marshall Baltimore
Junior Examiner:
Alton H. Middlekauff Baltimore
Junior Examiner:
H. Sadtler Nolen Baltimore
Junior Examiner:
Julius Scriba Baltimore
Junior Examiner:
Edward H. Sudshurg Baltimore
Senior Stenographer:
Anna Mae Cooke Baltimore
Senior Stenographer:
Winifred A. fluggan Baltimore
Senior Stenographer:
Angela M. O’Neill Baltimore
Junior Stenographer:
Madeleine H. Duggan Baltimore

The Bank Comniissioner under the law has general supervision over
all banking institutions in the State (other than National Banks). He
is required to visit and examine, either in person or by deputy, each
institution at least twice a year, and at such other times as he may
deem expedient; and at any time upon the request of the directors of
the institution. Whenever the capital stock of an institution is re-
duced by impairment, and such impairment is not made good as pre-
scribed by the law, or whenever it is found that an institution is being
conducted in an unsafe manner, the Bank Commissioner may take pos-
session, as provided by law, and retain possession until it resumes
business or is finally liquidated.
In case of the failure of such an institution the Bank Commissioner
acts as receiver, and liquidates its assets and winds up its affairs under
the jurisdiction of the Court.
Every bank and trust company is required to submit to the Bank
Commissioner, under oath at least three reports in each calendar year;
such reports to exhibit in detail the resources and liabilities of the in-
stitution, and show its true condition. These reports are to be pub-
lished in the local newspapers. All mutual savings institutions are re-
quired to report their condition to the Bank Commissioner on June
30th and December 31st of each year.
It is the duty of the Bank Commissioner to examine each report
received from the institutions under his supervision, and when necessary,
to verify them, at the same time to correct any irregularities that may
he disclosed or make any recommendations that may seem advisable.
It is part of the duty of the Bank Commissioner to supervise the
formation of new banking institutions; to see that all requirements of
the law have been complied with, and to issue his certificate authoriz-
ing them to commence business.
It is the further duty of the Bank Commissioner to pass upon all
amendments to charters, and all consolidations and voluntary liquida-
tions. On the tenth of February in each year the Bank Commissioner
is required to make a report to the Governor, covering the operations
of his office.
The 1918 session of the General Assembly passed what is known as
the Uniform Small Loan Law. This provides that all persons, co-
partnerships or corporations engaged in the business of making loans