Roads of Destiny [68]
two sat down at the president's desk. First, the examiner went through the notes at lightning speed, and added up their total, finding it to agree with the amount of loans carried on the book of daily balances. Next, he took up the larger loans, inquiring scrupulously into the condition of their endorsers or securities. The new examiner's mind seemed to course and turn and make unexpected dashes hither and thither like a bloodhound seeking a trail. Finally he pushed aside all the notes except a few, which he arranged in a neat pile before him, and began a dry, formal little speech.
"I find, sir, the condition of your bank to be very good, considering the poor crops and the depression in the cattle interests of your state. The clerical work seems to be done accurately and punctually. Your past-due paper is moderate in amount, and promises only a small loss. I would recommend the calling in of your large loans, and the making of only sixty and ninety day or call loans until general business revives. And now, there is one thing more, and I will have finished with the bank. Here are six notes aggregating something like $40,000. They are secured, according to their faces, by various stocks, bonds, shares, etc. to the value of $70,000. Those securities are missing from the notes to which they should be attached. I suppose you have them in the safe or vault. You will permit me to examine them."
Major Tom's light-blue eyes turned unflinchingly toward the examiner.
"No, sir," he said, in a low but steady tone; "those securities are neither in the safe nor in the vault. I have taken them. You may hold me personally responsible for their absence."
Nettlewick felt a slight thrill. He had not expected this. He had struck a momentous trail when the hunt was drawing to a close.
"Ah!" said the examiner. He waited a moment, and then continued: "May I ask you to explain more definitely?"
"The securities were taken by me," repeated the major. "It was not for my own use, but to save an old friend in trouble. Come in here, sir, and we'll talk it over."
He led the examiner into the bank's private office at the rear, and closed the door. There was a desk, and a table, and half-a-dozen leather-covered chairs. On the wall was the mounted head of a Texas steer with horns five feet from tip to tip. Opposite hung the major's old cavalry saber that he had carried at Shiloh and Fort Pillow.
Placing a chair for Nettlewick, the major seated himself by the window, from which he could see the post-office and the carved limestone front of the Stockmen's National. He did not speak at once, and Nettlewick felt, perhaps, that the ice could be broken by something so near its own temperature as the voice of official warning.
"Your statement," he began, "since you have failed to modify it, amounts, as you must know, to a very serious thing. You are aware, also, of what my duty must compel me to do. I shall have to go before the United States Commissioner and make--"
"I know, I know," said Major Tom, with a wave of his hand. "You don't suppose I'd run a bank without being posted on national banking laws and the revised statutes! Do your duty. I'm not asking any favours. But, I spoke of my friend. I did want you to hear me tell you about Bob."
Nettlewick settled himself in his chair. There would be no leaving San Rosario for him that day. He would have to telegraph to the Comptroller of the Currency; he would have to swear out a warrant before the United States Commissioner for the arrest of Major Kingman; perhaps he would be ordered to close the bank on account of the loss of the securities. It was not the first crime the examiner had unearthed. Once or twice the terrible upheaval of human emotions that his investigations had loosed had almost caused a ripple in his official calm. He had seen bank men kneel and plead and cry like women for a chance--an hour's time--the overlooking of a single error. One cashier had shot himself at his desk before him. None of them had taken it with the dignity and coolness of this stern old Westerner.
"I find, sir, the condition of your bank to be very good, considering the poor crops and the depression in the cattle interests of your state. The clerical work seems to be done accurately and punctually. Your past-due paper is moderate in amount, and promises only a small loss. I would recommend the calling in of your large loans, and the making of only sixty and ninety day or call loans until general business revives. And now, there is one thing more, and I will have finished with the bank. Here are six notes aggregating something like $40,000. They are secured, according to their faces, by various stocks, bonds, shares, etc. to the value of $70,000. Those securities are missing from the notes to which they should be attached. I suppose you have them in the safe or vault. You will permit me to examine them."
Major Tom's light-blue eyes turned unflinchingly toward the examiner.
"No, sir," he said, in a low but steady tone; "those securities are neither in the safe nor in the vault. I have taken them. You may hold me personally responsible for their absence."
Nettlewick felt a slight thrill. He had not expected this. He had struck a momentous trail when the hunt was drawing to a close.
"Ah!" said the examiner. He waited a moment, and then continued: "May I ask you to explain more definitely?"
"The securities were taken by me," repeated the major. "It was not for my own use, but to save an old friend in trouble. Come in here, sir, and we'll talk it over."
He led the examiner into the bank's private office at the rear, and closed the door. There was a desk, and a table, and half-a-dozen leather-covered chairs. On the wall was the mounted head of a Texas steer with horns five feet from tip to tip. Opposite hung the major's old cavalry saber that he had carried at Shiloh and Fort Pillow.
Placing a chair for Nettlewick, the major seated himself by the window, from which he could see the post-office and the carved limestone front of the Stockmen's National. He did not speak at once, and Nettlewick felt, perhaps, that the ice could be broken by something so near its own temperature as the voice of official warning.
"Your statement," he began, "since you have failed to modify it, amounts, as you must know, to a very serious thing. You are aware, also, of what my duty must compel me to do. I shall have to go before the United States Commissioner and make--"
"I know, I know," said Major Tom, with a wave of his hand. "You don't suppose I'd run a bank without being posted on national banking laws and the revised statutes! Do your duty. I'm not asking any favours. But, I spoke of my friend. I did want you to hear me tell you about Bob."
Nettlewick settled himself in his chair. There would be no leaving San Rosario for him that day. He would have to telegraph to the Comptroller of the Currency; he would have to swear out a warrant before the United States Commissioner for the arrest of Major Kingman; perhaps he would be ordered to close the bank on account of the loss of the securities. It was not the first crime the examiner had unearthed. Once or twice the terrible upheaval of human emotions that his investigations had loosed had almost caused a ripple in his official calm. He had seen bank men kneel and plead and cry like women for a chance--an hour's time--the overlooking of a single error. One cashier had shot himself at his desk before him. None of them had taken it with the dignity and coolness of this stern old Westerner.