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APPENDIX I
together with our money at call and our Government securities; that will be perhaps the best and most convenient way of giving the information you desire to have. (See Table below.)
1190. Do you consider that when your deposits are materially on the increase it is necessary to keep a larger amount of money in reserve than you would keep at other times?—I may say that, as a general rule, our reserve would always bear some proportion to our deposits.
Total Lodgments with London and Westminster Bank; also Amount of Cash in Hand, Moneys with Bill Brokers at Call, and Government Securities held by the Bank.
| Date. | Deposits. | Cash in hand. | Money at call. | Government Securities. | Total. | |
| £ | £ | £ | £ | £ | ||
| 31 December | 1845 | 3,590,014 | 563,072 | 628,500 | 1,039,745 | 2,231,317 |
| 31„ December„ | 1846 | 3,280,864 | 634,575 | 423,060 | 938,717 | 1,996,352 |
| 31„ December„ | 1847 | 2,733,753 | 721,325 | 350,108 | 791,899 | 1,863,332 |
| 30 June | 1848 | 3,170,118 | 588,871 | 159,724 | 1,295,047 | 2,043,642 |
| 31 December | 1848„ | 3,089,659 | 645,468 | 176,824 | 1,189,213 | 2,011,505 |
| 30 June | 1849 | 3,392,857 | 552,642 | 246,949 | 964,800 | 1,763,936 |
| 31 December | 1849„ | 3,680,623 | 686,761 | 263,577 | 973,691 | 1,224,029 |
| 30 June | 1850 | 3,821,022 | 654,649 | 258,177 | 972,055 | 1,884,881 |
| 31 December | 1850„ | 3,969,648 | 566,039 | 334,982 | 1,089,794 | 1,990,815 |
| 30 June | 1851 | 4,414,179 | 691,719 | 424,195 | 1,054,018 | 2,169,932 |
| 31 December | 1851„ | 4,677,298 | 653,946 | 378,337 | 1,054,018 | 2,080,301 |
| 30 June | 1852 | 5,245,135 | 861,778 | 206,687 | 1,054,018 | 2,122,483 |
| 31 December | 1852„ | 5,581,706 | 855,057 | 397,087 | 1,119,477 | 2,371,621 |
| 30 June | 1853 | 6,219,817 | 904,252 | 499,467 | 1,218,852 | 2,622,571 |
| 31 December | 1853„ | 6,259,540 | 791,699 | 677,392 | 1,468,902 | 2,937,993 |
| 30 June | 1854 | 6,892,470 | 827,397 | 917,557 | 1,457,415 | 3,202,369 |
| 31 December | 1854„ | 7,177,244 | 694,309 | 486,400 | 1,451,074 | 2,631,783 |
| 30 June | 1855 | 8,166,553 | 722,243 | 483,890 | 1,754,074 | 2,960,207 |
| 31 December | 1855„ | 8,744,095 | 847,856 | 451,575 | 1,949,074 | 3,248,505 |
| 30 June | 1856 | 11,170,010 | 906,876 | 601,800 | 1,980,489 | 3,489,165 |
| 31 December | 1856„ | 11,438,461 | 1,119,591 | 432,000 | 2,922,625 | 4,474,216 |
| 30 June | 1857 | 13,913,058 | 967,078 | 687,730 | 3,353,179 | 5,007,987 |
| 31 December | 1857„ | 13,889,021 | 2,226,441 | 1,115,883 | 3,582,797 | 6,925,121 |
1191. Do you employ your money in the discounting of
