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Ernest W. McFarland Memorial, Wesley Bolin Memorial Plaza, Phoenix, AZ.
"As you pass through this gateway may you be inspired by Mac's life and works to achieve your American Dream."
Arthur G. Sloane, Veterans Voice: "The public is invited to experience the new memorial to honor Ernest McFarland, "Ernest W. McFarland and the American Dream," on Dec. 7, at 10:55 a.m., as part of Pearl Harbor Remembrance Day at Wesley Bolin Plaza.
McFarland served as U.S. senator, Senate majority leader, governor, as chief justice of the AZ Supreme Court and was a Father of the GI Bill — helping millions of veterans obtain educations and zero-down home loans since World War II.
The memorial took several years to complete and features a main triumphal arch to symbolize the doorway to opportunity for all Americans."
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Low Priced Modular & Mobile Homes For Sale In San Antonio, West, & South Texas text 210-215-2572 or google+, facebook, youtube, #twitter, www.SmartCashHomes.com
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ABC News article: Extra Mortgage Payment May Not Be Best | If you're lucky enough to have some extra cash, your best financial bet may not be to apply it toward your mortgage. Find out why and where you should put your money instead on the Quizzle Blog - Powered by Quicken Loans - at blog.quizzle.com
What is Mortgage?
Mortgage refers to an understanding that permits a money lender to take property when a borrower neglects to pay. In most cases, it refers to a home loan where the lender can constrain you out of the property, sell it, and gather the cash despite everything you owe.
Mortgage and “Home Loan” are often used conversely. For real estate transactions, there should be written agreement, so a home loan is an archive that gives your money lender the privilege to foreclose on your home.
Types of Mortgages
Mortgages are regularly utilized by customers, but organizations can even buy property with this. There are following types of mortgages offered generally.
Altered Rate Mortgages:
You calculate to what extent it will take to pay off all the main and interest, and then you touch base at a regularly scheduled installment. You will pay the same monthly installment through the whole term of the altered rate mortgage. Of course on the off chance that you offer your home before the end of the term, you can simply pay off the parity that you owe.
Second Mortgage:
A second mortgage is a loan that uses your home as security – like a credit you may have used to buy your home. The loan is known as a “second” mortgage in light of the fact that your purchase loan is often the primary credit that is secured by a lien on your home.
Now, you have access to more than you could get without utilizing your home as guarantee. The amount which you would be able to acquire relies upon your lender, yet you may hope to get up to 80% of your home’s estimation.
Conceded Beginning:
You may need a ‘conceded begin’ when you take out your mortgage. Conceded begin or poor start contracts permit you to defer the beginning on repayments on your home loan for various months. Your lender will charge interest on the home loan for these months and add it to the original loan. So your mortgage balance will ascend before you start to make repayments.
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According to reports on the 8th of Jan 1898, the Dubbo Liberal newspaper reported the following information
“The Commercial Banking Company of Sydney has opened a branch at Narromine for the transaction of its usual business. Mr. Dunn, formerly of the Dubbo Branch, has been appointed Manager. Narromine has been growing for some time past, and it is surprising a bank was not established there long ago.”
That same newspaper carried an ad which stated:
The Commercial Banking Company of Sydney Ltd.,
Capital £1,000,000, Reserve Fund £1,010,000.
A Branch of this bank has been opened at Narromine for the transaction of business.
M. Dunn, Manager. 3 January, 1898.
Melanby Dunn wrote in 1936:
“Narromine was the first branch opened since the financial crisis of 1893, when our Bank was temporarily closed from 15 May till 19 June of that year. So I was the first young man out of the barrier after that sad period of Australian finance, so far as the CBC was concerned. The bank premises was a single room of what had been a small shop in Dandaloo Street. The balance of the building being occupied by Mrs. Dundas and family. She was a policeman’s widow - terrible conditions. The room was rented from Mr. William O’Neill for 10/- per week for 12 months with an option of renewal for a further 12 months.”
The work was hard and heavy. After about 6 months I asked for an assistant which Head office declined.
“The attainments of your branch do not warrant it,” wrote Mr. Michael Stirling Grant, then secretary at Head Office. “I was a fool to submit to the conditions, but I was young, ambitious and poor, and had to ‘fight.” Many decent youngsters later came to me there as assistants, and to all of them I owe some little debt for hard work and enthusiasm.
“Well, the bank’s wisdom in getting in first, into Narromine, has never been questioned. I built up a big business, partly owing to assistance from Mr. Holmes at Dubbo, but mainly because of the loyalty of the Narromine folk to their own ‘village’ or ‘town,’ as it later became, and my own very strenuous exertions. From 1893 till 1903 I went without what is now called a holiday. I was just contemplating a holiday before I left Dubbo in 1898 and put it off till 1903. The 1902 drought having intervened, when a great loss of money advanced seemed likely. There was, however, a great recovery in values and no money was lost. But in 1903 before the drought broke in April that year, I felt I must have a change so went to Tasmania with Royes Dunn, of “Tulwah Dowra.” Then on my return the drought broke. If that drought had not broken I think I would have. I have foolishly through life worried too much, very often about the affairs of others, and as my wife says - “It is always the Bank,” but the bank was my livelihood and my pride.
In 1910 I was ordered to proceed to Atherton, North Queensalnd, to open a branch there.”
Mr. Dunn’s memoirs were sent to us by his daughter, Lesley Roulston of Brisbane, in 1985. Mellanby Dunn married in October, 1912 , and died in Forbes in 1939. Unfortunately he never got around to finishing his life story.
If, as Mr. Dunn says, his first premises were with Mrs. Dundas, then her shop/dwelling in 1898/99 was in Dandaloo Street, Section 16, Lot 1, Subdivision 4, which is the present site of the M. & M. gift store on the eastern side of Dandaloo Street, beside the laneway.
Although the Municipal ratebook for 1898/1899 records the bank premises for the first time, and it has the bank on same site, or close by to where it is today. Dandaloo Street West, as it was called then, was not subdivided into Section and Lot numbers in these early years.
On 11 January, 1898 Head Office wrote to Mr. Dunn advising him -
“You may as desired rent another room of the cottage for a bedroom at a cost of 3/- per week making in all 13/- per week for rent of premises.”
On 12 February, 1898 Head Office again wrote to Mr. Dunn advising him -
“The Board has increased your salary from £180 to £200 per annum, and have granted you a special Manager’s allowance of £25 per annum.”
On 17 June, 1898 Head office again wrote to Mr. Dunn stating -
“Re Premises: Referring to your letter of the 14th instant, as the site of your present premises is suitable, it might be well for you to endeavour to obtain from Mr. O’Neill proposals to lease to the Bank the whole of the building, he to render it suitable for our business, and get him to quote rent, and term of lease.”
On 20 June, 1898 William O’Neill wrote to Head Office and “enclosed a rough tracing and specifications of premises which should it be suitable, I can complete by January next. The building will be in every way equal to workmanship put in my own private residence.”
Is William O’Neill talking about his home which was on the present site of the United Services Club, or was the home he built on the corner of Nymagee & Dandaloo Streets south (present Post Office) built earlier than the Municipal Ratebooks record.
The rough specification says -
“Inside walls 12 ft high, outside walls 15 ft high, double roof, valley in centre, walls if required filled with sawdust keeps building cool in summer and warm in winter, in case of fire prevents flame rushing up between weather boards and lining building to be all wood except chimneys which are brick. C stands for chimney, w for windows, d for doors. Finished in first class style, lease 10 years, rental 27/6 per week, right of renewal at an agreed rental expiration of lease.
Can complete work by January, 1899. Will provide suitable premises for the bank business during erection next door. Bank to erect their own fittings.”
(See rough plan attached).
O’Neill’s home, still in Nymagee Street, formerly on Post Office corner, had sawdust between the walls. But he may have been referring to his home which was on the present United Services Club.
The most amazing item in O’Neill rough sketch, and in another letter he wrote to the bank on 7 June, 1899, was his naming of Albany Street (not Nymagee Street as is now the case.)
On 8th June, 1899 the Bank wrote to Dunn and asked -
“When is Nymagee(?) Street to be continued westerly from Dandaloo Street, and who owns the corner immediately opposite the premises you occupy and next Kierath’s allotment in Dandaloo Street?
I take it the bank is referring to the Post Office corner, so had there been a house on the lot surely they would have mentioned it.
On 7th June, 1899 the following was written in a letter to CBC Head Office -
“Our present premises (wooden) narrowly escaped the conflagration in February last, although it occurred on the opposite side of the street. (Note - The Arcade fire).
I have it on good authority that the burglars who blew open a safe at Barlow & Co. (general storekeepers) came here for the purpose of operating on ours.....and while our premises remain as at present, the public cannot help feeling somewhat distrustful as to our defensive arrangements.
The Police force stationed in the town was eventually increased from one man to three.”
On 24 July, 1898 Head Office wrote -
“..the plans of the proposed building of which we approve except that we think the bedrooms are too small for your climate and should have 2 ft more thrown into them either one way or the other. We presume the walls are protected by verandahs tho the sketch does not show this.
As to the strong room door and counter which you say it is arranged we should provide we do not seem to have sanctioned this and as the former is an expensive item and a fixture we desire your explantion as to such an arrangement. We favor a cedar top and facing for the counter, but this may be erected as a movable fitting not a fixture, or provision made in the lease for its removal.”
In a later letter it seems the bank approved of the additions but stated the the whole of the counter need not be cedar only the top, the body and facing might be made of pine with some cedar mouldings.
In August the local manager for allowed £2 for removal of safe, books etc. to temporary premises while the new ones were being built.
On the 2nd January, 1900 the business transferred into a new wooden building with iron roof, containing seven rooms and a brick strongroom. These premises situated on the corner of Dandaloo and Nymagee Streets were specially erected for the bank by Mr. William O’Neill. Rental was £78 per annum. and the lease was for 5 years with an option of a further 5 years. The strongroom door was provided by the Bank.
On 9 January, 1900 a Head Office letter indicated the Manager and another officer were living in the premises. Mr. Dunn was a single man.
In September, 1900 Mr. Dunn was not given permission to connect the phone to the bank. Head office told him there were bigger branches than Narromine who did not have the phone connected.
In the same year the Bank was given permission and 5/- to alter all bank stamps from “Narramine” to “Narromine.”
In 1903 Mr. Allman was working at the bank with Mr. Dunn, and he was given permission by head office for two days leave to play cricket against the South Australian cricketers at Bathurst.
Other junior staff in the first years of the bank included Mr. Galloway (1903), relieving officer, H.B. Casey (1903, moved to Trangie 1904), Harry Stokes (1904), Kenneth Lindsay Scott (from Bathurst 1905, Stokes went to Trangie).
In November, 1905 Mr. Allman is to be married and will take over the premises occupied by Mr. Dunn, and will receive the relative allowance attached to the branch.
Mr. Douglas Vine Smith (1908), F.R.V. Fitzhardinge replaced Mr. D.V. Smith in 1909. In 1910 Mr. Lane was relieving the manager.
In April, 1910 permission was given for the landlord to add a kitchen 11 ft x 14 ft, a pantry, servant’s room 10 ft x 10 ft, and laundry 10 ft x 4 ft, with copper set in, floor the verandahs mentioned, and paint and renovate the premises in the manner suggested. For these additions the bank agreed to pay an additional rental of £20 p.a.
In November, 1910 William O’Neill sent a lease to the Head Office for 5 years from n November, 1910 at £105 p.a. with option of renewal for further term of 5 years.
Mr. Mellanby Dunn left Narromine in 1910, he had been involved in many organisations in Narromine from his time of arrival in 1898, and had been a keen cricketer.
Prior to 1912 when Narromine’s gold scales were forwarded to Cobar Branch, the Bank was a main centre for handling gold from the Tomingley mines.
On 30 August, 1913 the Bank purchased the premises from Mr. O’Neill for £1,200.
In 1915 the wooden building was demolished and a two storied brick building containing banking chambers and residence was erected at a cost of £4,607. The strongroom door from the old building was used for the new strongroom. Mr. R. Hughes of Petersham was the contractor for the new building. These premises were occupied on 18 March, 1916.
Managers to date of merger with the National Bank of Australasia Limited were:
1898 M. Dunn
1910 A.B. Cadell
1924 D.F. Louche
1935 T.R. Farmer
1937 C.H. Headley
1939 E.E. Peterswald
1946 T.A.Baker
1953 T.H. Honeyman
1956 K.J. Mclean
1959 D.R. Anscombe
1963 R.J. Gibson
1966 J.A. Williamson
1970 L.P. Burns
1976 G.D. Lawer
1979 G.J. Roberts
1982 Keith Scott
The bank premises are now privately owned.
Source: New South Wales Heritage Register.
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The former Bank of New South Wales was built in Gill Street, Charters Towers in 1889, replacing a number of earlier timber bank buildings on other sites in both Charters Towers and nearby Millchester. This two-storey masonry building addressing Gill Street also has a number of additions to the rear which demonstrate the evolution of the banking industry in the town over time. It complements other significant bank buildings in nearby Mosman Street, including the former Australian Joint Stock Bank, now the World Theatre and the former Queensland National Bank building which now serves as the City Hall.
Charters Towers' gold was first discovered in December 1871, by an Aboriginal boy named Jupiter who tended the horses for prospectors Hugh Mosman, George Clarke, and John Fraser. A storm frightened the horses into a gap in the hills, and while retrieving them, Jupiter found a rich vein of gold laden quartz. Mosman travelled to Ravenswood in early January 1872 to register the claim which he named Charters Towers, honouring the Gold Commissioner for the Broughton gold fields. By March 1872, Commissioner Charters had issued 25 prospecting area permits in the vicinity of Mosman's claim, and the rush began.
The earliest settlement grew around diggings at the confluence of Buchanan's Gully and Gladstone Creek and was known as Millchester. A few miles west of Millchester, another settlement evolved which became Charters Towers. It included a number of stores, hotels, and a butcher shop along a track that was to become Mosman Street. The population of Charters Towers was reputedly 3000 by August 1872. There was rivalry between the two settlements, particularly after the courthouse was erected at Millchester in 1873.
In the meantime, it had become evident that the procurement of gold from the deep seams of Charter Towers required substantial machinery to crush quartz and sink shafts. This required working capital to finance machinery and to pay the wages of workers employed on these time consuming processes. The Queensland Gold Fields Act 1874 and Gold Mining Companies Act 1875 allowed for combinations of leases, claims, and syndicates in order to work their leases at great depths. The legislation also underpinned the establishment of permanent settlement which would attract capital investment to the field. The influx of money and the resultant yield of gold were reflected in the growth of the township and the establishment of banks, mining companies, and mining agencies and exchanges. Two banking companies, the Australian Joint Stock Bank and the Bank of New Soute Wales (NSW) established offices on the goldfields by July 1872, only six months after the registration of the first claims.
The Bank of New South Wales was the first bank established in Australia (February 1817) but it was restricted to trading in Sydney until 1850. After restructuring, it opened its first branch outside Sydney, in Brisbane, on the 14th of November 1850, also being the first bank established in Queensland. It continued to expand rapidly with the rush of gold discoveries in New South Wales and Victoria. The bank set up agencies and gold-buying agents at every new mining venture in order to spread its network and consolidate its position. Bank officers were urged on by their superiors to be the first to a new location to set up a gold-buying agency. By 1861 the Bank of New South Wales had grown from a single Sydney office to a network of 37 branches in Australia and New Zealand.
The expansion of the Bank of New South Wales into North Queensland was driven by Robert Towns, one of its directors. Bank establishment followed both pastoral development and mineral discoveries. Port Denison, established to serve pastoralists, became the municipality of Bowen in 1863. By 1864 there was Bowen branch of the Bank of NSW, followed by one in Townsville in March 1866, where Towns and his partner John Melton Black had established a boiling down works. Another branch opened on the Ravenswood goldfields in 1870, one at Cardwell, (the terminus for the gold escort) in 1871 and in Charters Towers and Georgetown in 1872. The Cooktown branch, servicing the Palmer River fields opened in 1876, then Thornborough in 1877 on the Hodgkinson goldfields, followed by Cairns and Port Douglas. The Charters Towers Bank of New South Wales had opened only two days after the Australian Joint Stock Bank, which had opened on the 2nd of July 1872. Then in October 1872, both banks relocated to nearby Millchester.
In Millchester, land on the northern corner of Jardine and Macdonald Streets was formally transferred to the Bank of New South Wales in April 1875, but the actual sale is likely to have occurred prior to the title documentation. The Joint Stock Bank owned land opposite in Macdonald Street, and the Queensland National Bank opened in 1873 adjacent. Then in July 1874, a cottage was reported to have been relocated to Mosman Street, Charters Towers, to be used as an agency of the Bank of New South Wales. Presumably, the main branch remained in Millchester. At the time Charters Towers was described as: ‘solidifying rapidly and is giving undeniable proof that it means to stand. New shops and stores are going up. Buildings are being renovated and painted...'
Charters Towers soon dominated. A town survey was undertaken in November 1874, and marked out allotments in a ‘T' formation, with the mines and provision stores of Mosman Street on one axis, and the road to Millchester marked by Gill Street on the other. In January 1876, the Bank of New South Wales was relocated to Charters Towers, with Millchester becoming the agency office. This relocation was touted by the Northern Miner newspaper, as ‘the beginning of the end' for Millchester. Charters Towers was declared a municipality in 1877 encompassing one square mile centred on Mosman Street. It included new churches, the Oddfellows and Good Templar Lodges, and 21 hotels and 57 shops. The Bank of New South Wales moved into new premises in March 1877, described as a five roomed banking house, bringing solidarity to the top end of Mosman Street.
The wealth of the Charters Towers goldfields grew in the following years, particularly following the 1886 Colonial and Indian Exhibition in London where specimens of Charters Towers Gold were featured. Almost immediately English investors seized the opportunity to be part of the Charters Towers gold riches. Mining companies were formed, managed by Charters Towers' mining agents and share-brokers, and while some shares were held by English interests, many local people prospered through their investments, which then led to an expansion of banking facilities and mining exchanges. Banks and gold buyers purchased the gold, minted it into sovereigns in Australia and England, which were held in the vaults of banks in Melbourne, London, Berlin, and New York and then shipped to pay international debt. According to the Northern Miner newspaper, there were five banks in Gill Street in mid 1887: the Bank of New South Wales, the Bank of Australasia, the London Chartered Bank, and the Union and Royal Banks. The Queensland National and the Australian Joint Stock Bank remained in Mosman Street.
The Bank of New South Wales gradually improved banking facilities during the 1880s when many new branches opened in Queensland. Most directors were keen for bank premises in country towns to emphasise dignity, size, and solidity in the design of their buildings demonstrating the bank's capacity to survive and consolidate. Consequently, well known architects were employed to design bank buildings in New South Wales, and throughout Australia and New Zealand.
This was the case in Charters Towers. The Bank of New South Wales purchased an allotment in February 1887, diagonally opposite the post office in Gill Street, on which to erect a new substantial brick building. Architects Eyre and Munro called for tenders in the local newspaper in April 1888. The firm had offices in Townsville and Charters Towers. The Charters Towers office was run by William Henry Allan Munro, who had been previously employed in Townsville by architects and builders Rooney Brothers. After winning a competition for the design of the Queensland Hotel, he was taken into partnership with Walter Morris Eyre. In 1887 he became the junior partner, managing the Charters Towers office. Eyre, brother-in-law of architect FDG Stanley, had managed Stanley's Maryborough office between 1882 and 1885 before relocating to Townsville, where he supervised the construction of the Bank of New South Wales in Flinders Street. The Eyre and Munro partnership designed many north Queensland buildings including the 1889 Holy Trinity Church of England in Herberton, the 1890 Bank of North Queensland in Cooktown, the 1890 - 1891 Townsville School of Arts, and the 1892 Burns Philp Building, now part of Bartlam's Store in Charters Towers. They also designed the building on the corner of Deane and Gill Streets for auctioneers Ackers, Wilson, Ayton and Ryan, built in 1888 which later housed the Royal Bank of Queensland.
Construction of the new bank was by contractor Mr Kelleher under the supervision of Eyre and Munro. It opened for business on Monday the 13th of May 1889, and was described as ‘handsome and very pleasing, an imposing structure, superior to anything north of Brisbane' and overshadowing the adjacent Bank of Australasia (no longer extant). While the Northern Miner newspaper reported the cost at £9,000, the bank's archives indicated £6,040. The new building was seen as the way forward in both structure and location. The inclusion of a commodious manager's private apartment was usual for regional banks.
On the ground floor the building comprised banking chamber, fitted handsomely in polished cedar, the upper part of the various partitions being in ornamental ground glass...ample room for the public in front of the counter for the transaction of business, and a table... placed there for the accommodation of those who may desire to fill in deposit slips, requisitions for drafts, &c; a counter...14 ft long by 4ft 6 in [4.2 x 1.4m] wide, with the bill department on the right, and the exchange clerks' office on the left; ledger desks...placed at the back of the counter. To the left of the main entrance to the public hall is the manager's room, ...and opening out of that is the accountant's office... which has a raised floor, so that the official, by simply standing up, can get a good view of all that is going on. There is a passage leading from the manager's room to the dining-room, which, with the exception of the kitchen and servants' offices is the only one of the private apartments on the ground floor. At the rear of the ledger-desks are the strong room (fireproof), a lavatory and a stationery-room. Leaving the dining-room, we come to the private hall, which is approached from the passage to the left of the building. The upper floor is reached by a staircase from this hall...and contains a handsome drawing room...communicating by folding doors with another large room...which will be used by Mr Beattie for his own bedroom. There are three other bedrooms and a dressing room, all of large dimensions, with linen closet and a bathroom. The upper part of the building has a balcony running around three sides...and the internal passages are all proportionately spacious. The servants' quarters on the ground floor comprise kitchen, pantry, wash-house and sleeping apartment, and are furnished with the usual appurtenances for cooking and washing. Stabling has yet to be erected. Gas is laid on in every room and provision is made: for the Burdekin water supply when that scheme is complete. In the meantime there are three 1000 gallon [45 litres] tanks all full. The chimney-pieces and other fittings are in cedar, and are in excellent taste. All the rooms are ceiled, with mouldings, &c., of elegant design, and ventilation and drainage have been specially attended to.'
An economic downturn occurred in 1888, during the construction of the bank, due to a decrease in overseas investment and a continuing drought which led to the closure of crushing machines due to lack of water. The slump was short-lived after the development of the Brilliant Reef, which when mined to a depth of 3000 feet (914 m), became the biggest producer in the field.
Charters Towers was at its economic peak in the late 19th century. According to Government Geologist Robert Logan Jack, Charters Towers was the third largest gold producing area in Australia, after Ballarat and Sandhurst (Bendigo). Many new buildings were completed in this period in Charters Towers. The ‘T' junction of Mosman and Gill Streets became the financial district of Charters Towers. For one block to the east, north, and south were eight banks, the post and telegraph office, two assaying offices, and four solicitor's offices. Share-brokers occupied the Royal Arcade, and other offices were located in Mosman and Bow Streets. The Royal Arcade was built in 1888 for Alexander Malcolm and by 1890 the Stock Exchange operated from the building. Other significant buildings of this era include the 1887 - 1892 Masonic Lodge and the 1892 Post Office. Banks of this era include the 1881 (lowset timber) Bank of Australasia, the London Chartered Bank (which purchased the two-storey masonry building from local builder Hugh Ross in 1887), the former Australian Joint Stock Bank and the Queensland National (QN) Bank, both designed by FDG Stanley and both built in 1891. The Union Bank then occupied the former QN Bank premises in Mosman Street. All of these buildings remain, apart from the Bank of Australasia. The Bank of New South Wales was considered the first financial institution to erect premises worthy of the town and the business conducted there. The North Queensland Register claimed it was the largest banking institution in Australasia in the 1890s.
The banking crisis of 1893, when the Queensland National Bank and the Australian Joint Stock Bank, both suspended trading, led to an increase in business for the Bank of New South Wales in Charters Towers, when successful mining companies transferred their accounts. At that time there were eight banking businesses operating in Charters Towers; the Australian Joint Stock Bank, Bank of Australasia, Bank of NSW, Bank of North Queensland, London Chartered Bank, Queensland National Bank, the Royal Bank and the Union Bank, and all were still operating after the crisis had passed.
In 1899, Charters Towers was the second most important city in Queensland with a population of over 26,000, and an internationally noted goldfield. The gold yield for the state rose dramatically following the development of the Brilliant Reef, and in 1891, rose from 123, 000 ounces (3487 kg) to 218 000 ounces (6181 kg). It reached its all time peak of 319, 572 ounces (9059.7 kg), yielding over £2, 000, 000 by 1899. Gold production contributed between 21.61 and 35.53 percent of Queensland's export income during the 1880s and 1890s. These enormous amounts of gold were purchased by banks, which played a vital role in this process of wealth creation and distribution.
Gold production had been the mainstay of the Queensland mining sector in the 1890s, amounting to 85 per cent to 92.8 per cent of mining production during the decade. Apart from a brief spike in production at Mount Morgan in 1888 - 1889, Charters Towers consistently out-produced the other major gold mining areas of Ravenswood, Gympie, and Mount Morgan between 1880 and 1913. While Gympie peaked between 1901 and 1906, generally figures for all centres declined in the early 20th century. Charters Towers' production of 96, 046 oz (2723 kg) in 1912, fell to 42, 777 oz (1213 kg) in 1916 and was reduced to 8095 oz (22.9 kg) by 1919.
Despite Charters Towers being declared a city in 1909, the downturn in mining from 1914 and its virtual cessation by 1917 contributed to a steady decrease in population during this time. A town that had boasted a population of 25, 000 in 1900, when it was the second largest in Queensland, was reduced to just 13, 000 by the end of World War I (WWI). Between 1914 and 1918 more than 900 homes and business premises were removed from Charters Towers. Many were dismantled and transported by train to Townsville or Ayr where they were re-erected. Others were relocated to various places in Western Queensland. Nevertheless, banking institutions remained in town to service the regional rural economy and included the Bank of New South Wales, the Bank of Australasia, the London Chartered Bank, the Queensland National Bank, the Union Bank and the Bank of Commerce in the early 1920s. The Bank of New South Wales took over the Western Australian Bank in 1927, and then absorbed the Australian Bank of Commerce in 1931.
The Bank of New South Wales occupied the building in Gill Street until 1970 and during this time a number of repairs and small modifications were made. Renovations were undertaken in 1910 included plastering, painting, and general repairs, with further unidentified alterations occurring in 1921 and 1940. A post-1900 photograph of the rear of the bank shows rendering to the face-brick walls of the bank core and service wing; lattice panels fixed to the western verandahs of the manager's apartment and service wing; horizontal battens on the wash house and stables and a lavatory in the far south-western corner. It is likely that the female toilets attached to the northern western corner of the bank were built during WWI when women were employed to make up for the shortfall of men. Following the 1931 merger with the Australian Bank of Commerce, the amalgamated business was carried on in the Bank of New South Wales premises in Gill Street. The former Bank of Commerce building (originally the Joint Stock Bank) was used as accommodation for bank officers. It was sold in 1937.
The Charters Towers Bank of New South Wales played an important role in the Pacific Campaign of World War II, as the New Guinean Bank of New South Wales branches in the towns of Wau, Samrai, Rabaul, and Port Moresby were successively evacuated in January and early February 1942, due to bombing or threat of bombing. The transportable business effects including records, cash, and bullion were taken by boat to Townsville, and a custodian branch was set up in Charters Towers, while the reconstruction of the business was undertaken in Brisbane.
The Charters Towers City Council acquired the Queensland National Bank building in 1949 and relocated its administrative operations there. The building was then known as the Town Hall. A library was established in the old town hall building. The Charters Towers City Council acquired the former Bank of Commerce (AJS Bank) in 1992 and converted it into the World Theatre.
In 1967 a property exchange was made with the Charters Towers City Council, whereby the Bank of New South Wales acquired the old town hall site owned by the council. The old timber Town Hall was demolished in August 1968. The bank continued to occupy its original building during the construction of a new building on this site, which opened on the 16th of March 1970. The Bank of New South Wales acquired the Victorian based Commercial Bank of Australia Ltd in 1982 and then changed its name to Westpac, reflecting the Western Pacific region in which it now operated.
From 1982, the former Bank of New South Wales building was used as the council library and child care centre. The property was formally transferred to the Council in 1984. The council erected women's toilets to the rear of the western side of the building sometime prior to 1980. During the 1980s a restaurant occupied the first floor of the building. In the 1990s it housed the offices of Skill West and Skill Share, as well as school support services provided by Education Queensland. The semi-detached building at the rear has undergone a number of renovations over time. The library was relocated in 2003 and the day care centre ceased operation. The former Bank of New South Wales building has had a number of tenants since that time including a real estate agent and a Bendigo Bank Agency. The Australian Association of Distance Education Schools utilised space on the first floor for training purposes in the 2000s. The building was renamed Wherry House in 2006 to honour a former mayor Paul Wherry and his wife Molly who served the city from 1952 to 1964. Plaques commemorating their community work were installed in the building in November 2006.
Source: Queensland Heritage Register.
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