Birmingham Municipal Bank
Depositors' Ledger
Aston Cross Branch
Depositors' Department
(below, left to right):
An account with deposits marked "c/a" or "Cr" (Credit Advice and Credit) - sums received from (for example) an employer, that need to be entered into the depositor's passbook on its next presentation.
Periodic deposits made by cheque - the indication a warning that the cheque has to be cleared before payment can be made against it.
Regular deposits made on behalf of local Postal Workers towards their Holiday Fund.
(left): Account Number 790 has been issued a Home Safe, but a pencil note shows that the Home Safe Number has not been noted in the depositor's passbook, so that this omission could be corrected at a future opportunity. The Home Safe Number on the passbook was required to check that a safe's contents was being paid into the associated account.
At each March 31st, a rubber stamp indicates the amount of interest capitalised, and the letter "B" indicates the new account balance. In the BCSB Ledger a rubber stamp was used for both Interest and Balance (see example right for Sept. 30th). Both procedures were irrelevant as the account balance was always the last figure in that column, and the practice was dropped later.
(right): two short-lived accounts opened through a School Savings Bank
Account No: 865 - opened for the benefit of an Infant, ie a child under the age of seven
Accounts 1999/2000: the last two accounts in the ledger, both have pencilled balances where the staff have made interim balances of the ledger.
Account marked "MORTGAGE GRANTED".
Depositor's who had obtained a House Purchase loan from the Bank were required to maintain a Savings Account balance, and this Rubber Stamp was a reminder to staff to not allow the account to be closed.
Account No: 868 was transferred from Sparkbrook branch as indicated by the letter "G" preceding the account number "681". A different account is marked as "Transferred to Aston" branch - this branch is not far from Aston Cross and transfers between the two branches appears to have been quite common.
Not all early accounts at Aston Cross branch contain small balances - by June 1924 the balance of this account is over 740.
A sticker on the inside of the Aston Cross Ledger provided the branch staff with instructions on how to calculate interest with particular reference to Deposits made on the First day of the month and Repayments made on the Last day of the month.
The correct application of the rule is shown by an amount of 10 deposited on March 1st 1921 - interest of seven pence has been correctly allowed and subsequently capitalised at the year end.
A regular saver (left) has deposited substantial sums as his account balance increases over the year 1922/23 from 143/19/8d to 344/-/11d. However, his final deposit during the year fails to earn any interest in March 1923 as it was made a day too late.
This type of bound book ledger was used by the Bank in the first few years of its existence - other examples are illustrated for:

Aston branch - Accounts numbered 6,001 to 8,000;

Springfield branch (then known as Sparkhill) - Accounts numbered 2,001 to 4,000.