Business: Banks, Third Quarter

Numerous are the means by which a bank gets customers. Proximity, a nice building, friendly vice presidents are customary lures; another lure is an easy loan policy. Few prospective depositors spend as much time looking at a bank's balance sheets as they do investigating a company whose bonds they want to buy. One reason is that the average person can tell nothing from the average bank balance sheet. Another is that a person capable of telling at a glance what a bank's general position is usually realizes that only the people within a bank...

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