FOURTH BIENNIAL REPORT

OF THE

. BUREAU OF LABOR STATISTICS

OF THE

STATE OF CALIFORNIA,

FOR THE

1h Compliments of

Geo. W. Walts

Commissioner State Bureau of Labor Statistics

ER.

SACRAMENTO:

STATE OFFICE, ::::::: J. D. YOUNG, SUPT. STATE PRINTING.

1890.

LIBRARY

OF THE

LELAND STANFORD JUNIOR

UNIVERSITY.

A 5 5 6 8

IV-Testimony Concerning the Practices and Purposes of Endowment

Associations

191

PART IV.

BUILDING AND LOAN ASSOCIATIONS.

CHAPTER I-Building and Loan Associations

II-National Building and Loan Associations..

III-Testimony Regarding National Building and Loan Associations------

IV-Supplementary Report about National Building and Loan Asso-

219

266

286

308

WAGES, AND HOURS OF LABOR, AND INSPECTION OF WORKSHOPS...

329

STATE BUREAU OF LABOR STATISTICS,

SAN FRANCISCO, October 1, 1890.

Hon. R. W. WATERMAN, Governor of California:

SIR: In accordance with law, I have the honor to submit herewith the report of this bureau for the years 1889 and 1890, being the fourth biennial report.

Very respectfully yours,

225

JOHN J. TOBIN,

Commissioner.