The present subscribed capital of the company is £4,500,000, and the cash capital, £2,437,500. The fire funds at the close of 1912 amounted to £7,289,329, and total assets of £23,192,117.

The company entered the United States August 16, 1866. Ezra White, an experienced underwriter, was selected as manager, and his son, Charles E. White, as assistant manager. The head office of the company was at 74 Wall Street, and its first local board of directors was composed of Charles H. Dabney, chairman; Solon Humphreys, Aymar Cater, David Dows, Egisto P. Fabbri, Simeon B. Chittenden, and Shepard Gandy.

The present United States Branch Management is as follows: E. G. Richards, manager; J. F. Hastings, assistant manager and the following gentlemen form its board of directors in New York: B. Aymar Sands (Bowers & Sands), chairman; Adrian Iselin, Jr., Esq. (A. Iselin & Co.) ; A. D. Juillard, Esq. (A. D. Juillard & Co.); James Stillman, Esq.; Wm. Pierson Hamilton, Esq. (J. P. Morgan & Co.); James Speyer, Esq. (Speyer & Co.); Chas. S. Brown, Esq. (Douglas Robinson, Chas. S. Brown & Co); Geo. C. Boldt, Esq. (Waldorf-Astoria Hotel); Herman Sielcken, Esq. (Crossman & Sielcken).

The business in the United States is confined to fire underwriting. In the forty-eight years that the company has transacted business in the United States it has paid therein in fire losses over $68,816,952.33. It was involved to the extent of $2,330,000 in the Chicago fire of 1871; $742,067.56 in the Boston fire of 1872; $845,241.77 in the Baltimore fire of 1904, and in San Francisco, $3,683,224.78, all of which losses were promptly met by funds from the home office. Its losses in the Jacksonville conflagration in 1901, amounting to $171,363.47, were paid from its United States funds, making a total of $7,771,897.58 paid for losses by the foregoing conflagrations, thus establishing the character and strength of the company firmly in the minds of the American people.

NORTH BRITISH AND MERCANTILE INSURANCE COMPANY, of New York. Organized 1897; capital, $200,000. E. G. Richards, president; J. F. Hastings, vice-president and secretary. Admitted assets, December 31, 1913, $2,111,192.16; liabilities, $551,688.64.

NORTH CAROLINA ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS was organized in September, 1899, with the following officers: J. H. Southgate, president; Walker Taylor, C. T. Rawle, A. B. Dangerfield, vice-presidents; Jacob Battle, Rocky Mount, secretary and treasurer. At the annual meeting held in May, 1914, officers were elected as follows: President, W. B. Merriam, Greensboro; vice-presidents, E. E. Emerson, W. C. Lindsay; secretary and treasurer, W. E. Sharpe, Burlington.

NORTH CAROLINA HOME INSURANCE COMPANY, Raleigh, N. C. Organized 1868; capital, $126,400. Alexander Webb, president; George P. Folk, secretary. Assets, December 31, 1913, $432,332; liabilities, $114,217.

NORTH DAKOTA ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS. The present officers elected at the annual meeting in June, 1914, are: President, Thomas Baker, Jr., Fargo; vicepresident, D. M. Holmes; secretary and treasurer, C. M. Page. The association changed its name to "Local Insurance Agents' Association of North Dakota."

NORTHERN ASSURANCE COMPANY of London, England. Organized 1836. Entered the United States in 1876. George W. Babb, general attorney in the United States and manager for the Eastern and Southern States; G. H. Lermit, Chicago, Ill., manager for Western and Pacific States. United States assets, December 31, 1913, $5,112,376.70; liabilities, $3,016,622.33.

NORTHERN INSURANCE COMPANY of New York. Organized 1897; capital, $350,000. William Mason, president; James Marshall, secretary. Admitted assets, December 31, 1913, $1,338,297.56; liabilities, $726,313.13.

NORTH, JOHN C., ex-president of the National Association of Local Agents, is a native of New Haven, Conn., where he was born August 26, 1850. He was educated in the Hopkins Grammar School and Russell's Military School of his native city, and began his insurance career in his father's office in 1869. He has served as a member of the New Haven Common Council and president of that body. He organized the Connecticut State Association of Local Fire Insurance Agents, and was elected its first president in 1899. He was elected president of the National Association of Local Agents at the annual meeting in Hartford, Conn., in 1903. Mr. North, for many years acted as general agent for the state of Connecticut for the Atlas Assurance Company of England and State Agent of The Empire State Surety Company of New York, and general agent for Connecticut for the Fidelity and Casualty Insurance Company of New York (plate glass department). His local agency at New Haven is one of the oldest established agencies in New England, representing a large number of leading insurance companies.

NORTH RIVER INSURANCE COMPANY, New York city. Organized 1822; capital, $350,000. William E. Hutchins, president; F. H. Crum, vice-president and secretary. Admitted assets, December 31, 1913, $2,733,108.15; liabilities, $1,625,600.29.

NORTHWESTERN FIRE AND MARINE INSURANCE COMPANY, Minneapolis, Minn. Organized in 1899 under the laws of North Dakota, and reorganized under Minnesota laws in 1906;

capital, $300,000. Walter C. Leach, president; John H. Griffin, secretary. Admitted assets, December 31, 1913, $1,139,840.77; liabilities, $503,849.46.

NORTHWESTERN

NATIONAL INSURANCE COMPANY, Milwaukee, Wis. Organized 1869; capital, $1,000,000.00. Wilford M. Patton, president; Alfred F. James, vice-president; William D. Reed, second vice-president; Joseph Huebel, secretary; Lubin M. Stewart, assistant secretary. Admitted assets, December 31, 1913, $6,649,897.82; liabilities, $4,094,356.35.

NORTHWEST, FIRE UNDERWRITERS' ASSOCIATION OF THE. [See Fire Underwriters' Association of the Northwest.]

NORWICH UNION FIRE INSURANCE_SOCIETY, LTD. This society was established in 1797 at Norwich, England. Its prime mover was Thomas Bignold. It was organized upon the mutual plan and was known as the Union Fire Office until 1821, when it was reorganized, taking over the business of the Norwich General Assurance Office, a stock company. It was at this time the title, Norwich Union Fire Insurance Society, was adopted. The reorganization was effected upon a part proprietary and part mutual basis under a thirty-year partnership, and a capital subscribed of £550,000. This partnership was renewed in 1851 for thirty years more upon the same basis; but in 1879, the society was again reorganized as a stock company solely, and the capital increased to £1,100,000 and its term extended to 1,000 years from 1881. In 1908 it was reincorporated as a limited company. Its officers are: Chairman, Maj. Frank Astley Cubitt; vice-chairman, George Hustler Tuck; general manager and secretary, John Large; fire manager, Wm. Perowne Abel; assistant secretary, R. C. Cole.

The society entered the United States in 1877. Its American assets are $3,013,723, and surplus $1,176,882. It does business in all the states and territories of the Union, excepting Arkansas, Tennessee, and Delaware. Its head office for the United States is at 59 John Street, New York; J. Montgomery Hare and William Hare, managers; J. F. Van Riper, branch secretary; J. H. Burger, superintendent of agencies. Trustees of the funds in the United States are: Anson W. Hard, of Messrs. Hard & Rand; W. Emlen Roosevelt, of Messrs. Roosevelt & Son, and James A. Scrymser, president Central & South American Tel. Company. Its Pacific Coast department is managed by J. L. Fuller, 558 Sacramento Street, San Francisco, Cal. The society also does business in the Dominion of Canada, where it is represented by John B. Laidlaw, manager, Toronto, and in Cuba, Porto Rico, Philippines, South America, Mexico, and also in Europe, India, China, Japan, and Africa.

O

OBITUARIES FOR 1913. [See Death Roll.]

OCEAN MARINE INSURANCE COMPANY, London, Eng. W. L. H. Simpson, attorney and manager, New York. United States assets, December 31, 1913, $337,658.58; liabilities, $87,691.45.

OFFENHAUSER, FREDERICK WILLIAM, former presi. dent of the National Association of Local Fire Insurance Agents, Texarkana, Texas, is a native of Ohio, and was born at Chillicothe, of German parentage, August 2, 1861. He was educated in the public schools of Shelbyville, Ill., and at the age of eighteen removed to Texarkana, where he found employment in a dry goods store, and a year later began his insurance career in a local agency. He is a director in various business corporations, and was elected president of the National Association of Local Agents at its annual meeting in 1907.

OFFICIAL CHANGES IN FIRE INSURANCE COMPANIES IN 1913. The official changes in 1913 were as follows:

American Home Fire, of Greenville, S. C.-J. W. Norwood elected secretary, succeeding Charles F. Hard; subsequently elected president.

Capital Fire of Concord, N. H.-Charles L. Jackman elected president, succeeding
Lyman Jackman, deceased; Freeman T. Jackman elected assistant secretary.
Central National Fire of Chicago - -Morris H. Prescott elected treasurer.
Citizens' Fire of Baltimore - Alexander N. Stewart elected vice-president.
Connecticut Fire of Hartford - William T. Howe elected vice-president.
Dorchester Mutual Fire of Boston-William A. Muller elected president.
Firemen's of Newark - John Kay elected vice-president, succeeding Charles Colyer,
deceased.
Forest City Fire of Rockford, Ill. Thos. O. Reber elected president, succeeding
W. F. Barnes; H. W. Williams, vice-president; James M. Silanek, secretary.
succeeding A. H. Sterratt.
Germania Fire of New York- George D. Edwards elected president, succeeding
Hugo Schumann, deceased.

Hartford Fire - Richard M. Bissell elected president, succeeding Charles E. Chase, retired; Whitney Palache and James Wyper elected vice-presidents; E. A. Bolmer, secretary.

Insurance Company of the State of Pennsylvania

Gustavus Remak, Jr., elected president, succeeding Clarence E. Porter, resigned; Hart Darlington and Harry W. Stevenson elected vice-presidents.

International Reinsurance of Vienna (Admitted) ·
York appointed United States managers.

Mutzenbecher & Ballard of New

Law Union and Rock Hall & Henshaw of New York appointed United States managers, succeeding A. F. Shaw, resigned.

Lynn Mutual Fire of Lynn, Mass.-F. W. Porter elected secretary.

Merchants' Fire of New York - Alden C. Noble elected secretary, to succeed W. S. Lemon.

Paternelle Fire of Paris (Admitted) - Meinel & Wemple Inc., appointed United States managers.

People's National Fire of Philadelphia

E. C. Stokes elected president, succeeding Louis S. Amonson, deceased; Robert B. Beath elected vice-president; Henry T. Alley, secretary; J. M. Canning, treasurer.

Phoenix of Hartford -Edward Milligan elected president, succeeding Dewitt C. Skilton, resigned.

Potomac Fire of Washington, D. C.-Charles W. White elected president; Thomas C. Moore elected vice-president and manager.

Royal Exchange of London-George A. Bell appointed assistant United States manager.

State Fire of Des Moines, Ia. -J. B. Sullivan elected vice-president, succeeding W. M. Pratt.

Teutonia Fire of Pittsburgh

C. W. Gerwig elected president, succeeding Henry Gerwig, who was elected president emeritus; F. Blume elected vice-president; N. A. Weed, secretary.

Teutonia of Dayton, Ohio - Jacob Linxweiler elected president, succeeding William Pape; William F. Kramer, secretary.

United Firemen's of Philadelphia

Henry T. Alley elected vice-president.

Westchester Fire of New York John H. Kelly elected vice-president and treasurer, succeeding M. O. Brown, deceased. Worcester Mutual Fire of Worcester, Mass. Harry Harrison elected assistant

secretary.

OHIO ASSOCIATION OF FIRE UNDERWRITERS was organized in 1912 by field men of Ohio representing companies members of the Western Insurance Bureau. Officers were elected as follows: President, N. T. Julian, Agricultural; vice-president, Lester E. Cate; secretary, D. C. Morgan, Reliance. The present officers are: President, N. T. Julian, Agricultural; vice-president, F. H. Westmeyer; secretary and treasurer, D. C. Morgan, Reliance, Columbus.

OHIO ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS was organized in February, 1897, with Merwin Jackson president; A. W. Neale and F. C. McElroy, vice-presidents; C. W. Bryson, secretary, and W. J. Eilber, treasurer. The present officers, elected at the annual meeting in October, 1913, are: President, Frank C. McElroy; vice-presidents, George J. Wideman and Edward E. Shipley; secretary and treasurer, Mrs. S. C. Neff, Columbus; executive committee, Frank E. Lauterbach, J. G. Elliott, H. R. Manchester, O. P. McCabe, and Geo. A. Gescheider.

OHIO FARMERS' INSURANCE COMPANY, Le Roy, Ohio. Organized 1848 (Mutual). F. H. Hawley, president; W. E. Haines, secretary. Admitted assets, December 31, 1913, $3,268,545.74; liabilities, $2,252,296.55.

OHIO FIELD CLUB, an organization of union companies, was organized in October, 1901. The present officers, elected at the annual meeting in 1913, are: President, Wm. Sowards, Cincinnati, O., Norwich Union; vice-president, H. M. Wardle, Detroit, Mich., Citizens, Missouri; secretary and treasurer, Aaron W. Jones, Columbus, New Hampshire Fire; executive committee, E. W. Raynolds, F. E. Lyons, F. C. Wharton.