In 1966, the Bank amended its instructions to branches regarding the maintenance of the Branch Record Book. With effect from
May 12th 1966, branches were no longer required to make entries in the Record Book in respect of:
Alterations in the title of Accounts
The Accounts of:
Persons of Unsound Mind
From the same date, record
keeping was simplified in regard to Home Safes; withdrawals by post; and the accounts of Deceased Depositors. The consequence of these
changes appears to have been the commencement of a new Record Book. A foolscap-sized book, with almost 300 blank pages, was supplied
by Head Office to each branch, in which was to be recorded certain specified data. Branches were required to number the book's pages,
and to then set up twelve sections (numbered 1 to 12 below) to record the information detailed below. Over the succeeding years, these
twelve sections were expanded considerably - despite computerisation of the Bank's accounting system in the 1970s, manual recording
was still required for many facets of branch operations.
 DECEASED DEPOSITORS
This section aggregated the balances on accounts closed subsequent to the death of a depositor
- analysing the total between the amount withdrawn from the Bank ('Cash') and the amount transferred to another account with the Bank.
example opposite shows part of the record for Small Heath branch in 1966/67. In that year, £43,505 was paid out on 100 accounts, and
£10,813 transferred from 32 accounts.
The maintenance of this record enabled the Bank to monitor the amount being lost from total
deposits due to the death of depositors. By the 1960s, the Bank had been in existence for over 50 years, and the age profile of depositors
in well-established branches and districts (such as Small Heath) was above average. In certain years, the total lost to the Bank
in this way was reported in the Annual Accounts.
 CASH ORDERS
This section recorded the Orders used by the branch to draw cash from the local branch of one of the Joint
Stock Banks used as agents by BMB.
The page reproduced opposite shows that in April 1966, Small Heath branch kept a stock
of Orders to the value of £5,000 (4 @ £1,000 and 2 @ £500). On May 13th, a £500 Order (numbered 008629) was cashed, and this was replaced
by Head Office sending out Order number 008757.
A note at the top of the page shows that the branch's standard holding was increased
from £5,000 to £6,000 at some unspecified date (probably December 1966). The branch's stock of Orders was returned to Head Office
in April 1969 - the date from which branches were able to draw their own Orders.
A description of the Bank's agency relationship
with local Joint Stock Banks is included in Accounts Department
 STOCKS AND SHARES
Customer requests to buy and sell Stocks and Shares were relayed to the stockbroker used by the Bank: Chambers
and Remington (whose telephone number is shown in red at the top of this page of the Branch Record Book). The column headings show
what details of each transaction were recorded:
- Date Received
- Date Order Phoned to Brokers & Form Sent to HO
- Buy or Sell
- Name of Depositor
- Particulars of Stock/Shares
- Certificate Number (Sales)
- Amount & Date of Credit
The final column recorded
the amount credited to the depositor's account (for sales) or Head Office Suspense Account X1360 (for purchases)
 STANDING ORDERS -
section simply listed those depositors who have given the Bank a Standing Order to debit their Savings Account with bills for:
The term 'Corporation Accounts' derived from the historical fact that all four of the above services were originally
supplied by Birmingham Corporation. At this date (1960s), 'Gas' meant West Midlands Gas Board, and 'Electricity' meant Midlands Electricity
The 'S.O. No.' in the first column was the number printed by the Gas Board etc on the customer's bill subject to a Standing
Order. This number enabled the branch (by reference to the Branch Record Book) to identify the depositor's account to be debited.
The S.O. No. was replaced by the depositor's actual account number on new instructions taken after October 1st 1963 - thus simplifying
 LEDGER CARDS RECEIVED
FROM HEAD OFFICE
Prior to the computerisation
of the Bank's accounting system, Small Heath branch posted the transactions of its Depositors using ledger cards and accounting machines.
As an anti-fraud measure, each ledger card was uniquely numbered. The Branch Record Book was used to note these unique numbers when
new cards were delivered to the branch as part of its half-yearly stationery order.
Ledger Cards were of three types:
- Cont - continuation
cards for use when a depositor's existing card was full of transactions
- New - for use with a newly opened account
- HP - for use
with House Purchase accounts
Cards were colour-coded for the different Savings Departments. The entry for December 29th 1966 shows
that Small Heath received 400 cards for the No 3 (Investment) Department that was introduced as a new product on January 1st 1967.
 CREDIT TRANSFERS
The number of Credit Transfers paid over Bank counters was recorded on a daily basis, and the annual total
for all branches was reported in the Annual Accounts.
In this 1966 period, Small Heath was averaging over 550 Credit Transfer
transactions each month.
 DATE OF BALANCING LEDGERS
During each Financial Year, branches were required to balance their record of depositors'
account balances. These account records were grouped into ledgers, in the case of Small Heath in 1966/67, eighteen ledgers:
- No 1 Dept
Active Accounts: 10
- No 1 Dept Dormant Accounts: 1
- House Purchase Dept: 1
- No 2 Dept Active Accounts: 5
- No 3 Dept Active Accounts: 1
Heath's Branch Record Book shows that the ledgers were balanced four times each year, usually in July, October, February, and March.
The last two balancing exercises were done towards the end of the Financial Year at March 31st - at which date, the ledgers were balanced
This section of the Record Book also shows that since Small Heath branch was opened in 1919, approximately 75,000 savings
accounts had been opened.
(see 'All By Hand!
 PASS BOOK COVERS RECEIVED FROM
Book covers were re-introduced in 1963, and were sold to depositors for 6d. The 'Small' size was designed to hold a Savings Account
passbook, and a larger size (see example below) could hold a House Purchase Account passbook.
Other Subjects originally recorded in the Branch Record Book were:
 HOUSE PURCHASE ARREARS
Details of Mortgage Accounts
in arrears, including date reported to Head Office.
 SOCIETY ACCOUNTS - AMENDMENT OF AUTHORITY
List (showing Account
Number; Date; Title of Account) of Society Accounts where an amendment had been made to the Authority Mandate governing the operation
of the account. This listing enabled visiting Branch Inspectors to examine the amendment and ensure that the changes made were valid.
CLEANING OF LIGHTING FITTINGS
A record of the visits made by George Shaw (Electrical Sanitary) Ltd of Alum Rock Road, Birmingham
8, the contractors employed by the Bank to maintain branch light fittings.
 ALTERATION OF TITLE OF ACCOUNT
was the most common reason requiring a 'change of name', although the title of an account could also be changed by Deed Poll.
This record enabled a Branch Inspector to review the correctness of these amendments.
The procedure for dealing with the Purchase and Sale of Stocks and Shares