The Life And Work of James a Garfield Embracing An Account of the Scenes An

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Statistics, which no man will gainsay, will show that ninety-five per cent, of all the great mercantile transactions of England is done by drafts, checks, and commercial bills and only five per cent, by the actual use of cash. The great business of commerce and trade is done by drafts and bills. Money is now only the small change of commerce. And how is it in this country? We have adopted the habits of England, and not of France, in this regard. In 1871, when I Avas Chairman of the Committee on... Banking and Currency, I asked the Comptroller of the Currency to issue an order naming fifty- two banks which were to make an analysis of their receipts. I selected three groups : The first group were the city banks ; not, however, the clearing-house banks, but the great city banks not in the clearing-house association. The second group consisted of banks in cities of the size of Toledo and Dayton, in the State of Ohio. In the third group, if I may coin a word, I selected the 'countriest' banks — the smallest that could be found at points away from railroads and telegraphs.

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