prices, consequent upon increased consumption. This latter circumstance is that which the present policy of the British government is avowedly designed to encourage; and a recent announcement of the premier was to the effect that it had succeeded beyond expectation. The enhanced consumption of raw produce in England is, of all other occurrences, best calculated to promote the interests of the United States; but it takes from the over-supplied markets here that surplus, during the presence of which, prices cannot rise healthy. It is obviously the case, that the wealth of all people consists in the quantity of the products of the earth, and of industry, that they are enabled to enjoy. That government, therefore, confers the greatest benefits upon its people, which allows the labour of each individual to procure for him the greatest quantities of necessaries and comforts."-Hunt's Commercial Chronicle. THE SUFFOLK BANK, BOSTON, The system of this bank, which has a capital of 1,000,000 dollars, is on behalf of an association of banks in Boston, to receive at par bills of any of the New England states, which shall deposit in specie in the Suffolk bank, a certain sum on which no interest shall be allowed, and before drawing out which fifteen days' notice shall be given. Its purpose is, in fact, to arrange the exchanges, and negotiate at Boston the bills of the several New England states,-and its profits arise from the use of the deposits,-while other banks pay interest on deposits. PRICES of Stocks in the New York Market. "There is a marked depression in prices, it appears, in almost all descriptions; which is more remarkable in stocks of the character of United States six per cents, and New York city and state. It is observable, however, that the last quotations for United States stocks are dividend off. This price for United States stocks yields rather less than five per cent for the money. A new loan of 400,000 dollars has been made, however, by the state of New York, under the law for preserving the state credit, at a rate which yields five and three-quarters per cent. The loan is a six per cent semi-annual stock, redeemable in 1852, and was taken at 102 dollars and 25 cents for 170,000 dollars; 102 dollars and 30 cents for 225,000 dollars; and 103 dollars and 25 cents for 5000 dollars. The old stocks of the same time and tenor, are selling in the market at six per cent premium. The following table shows the whole amount of the present debt of the state of New York, and the terms on which each debt was contracted : "This is the direct debt of the state. There are, in addition, some 5,500,000 dollars New York stock issued in railroad and canal companies, some of which the state is already burdened with. It will be observed that the terms on which New York has been able to borrow money, have varied greatly during the twenty-eight years since she first became a borrower. In the years 1830-1833, she obtained as high as fifteen and a half per cent premium for regular issues of five per cent stock, twenty-two years to run. Such an enormous price for stocks, in this country, naturally led to their extensive manufacture ; and, like all other business, it was overdone. Since that time, the creation of some 230,000,000 dollars of public stock, state and city, has taken place. Under these circumstances, it is to be expected that the price of stocks would rule low. It is, however, to be taken into account, that prices of all commodities are low, profits of business are small, and the number of enterprises demanding extraordinary capital fewer than formerly. Hence, it would naturally follow that money would seek stocks for investment to a greater extent than in those years, when a speculative feeling, pervading all classes of business, induced a demand for capital, even in the smallest channels of business, to invest in extraordinary operations, apart from the regular business of the operator. It is true that the railroad speculation in the New England states has gone on to a surprising extent, but there is nothing in it of that wildness that marked bank speculations in former years; and, after all, the amount of capital to be expended in the projected railroads of the five New Eng land states is small, compared to the actual wealth of that section of the country, the object to which it is to be applied, and the sources whence it will mostly be drawn. The roads projected, are nearly all well located. It is true that, in some cases, parallel lines are laid out; but they are in sections of the country densely populated, connecting important interests. The legislature of Connecticut has granted a charter for a most important link in connecting the great New England web of railroads with the city of New York. We allude to the Hartford and Danbury railroad running forty miles from Hartford, to strike the New York line at or near the boundary of West Chester and Putnam counties. The capital is fixed at 2,000,000 dollars. The route is through the largest and most wealthy manufacturing towns of Connecticut, forming a connexion with the Harlem, the means of communication between New York city and the great eastern districts. This, with the Erie and Harlem roads, will require 10,000,000 dollars in a year or two, and the eastern roads may require 15,000,000 dollars, in addition to 2,500,000 dollars that Boston will require for her water-works. The whole may form an amount equal to 30,000,000 dollars, to be expended in two or three years. This, it will be observed, is an operation far different in its results from that of investing large sums in banking; which, with the credits of those concerns, are loaned out to speculators, and sunk in baseless undertakings, that leave no valuable equivalent for the outlay. In the present state of this country, the construction of a railroad establishes a property, the value of which must constantly be enhanced, as the country progresses in population and wealth. A TABLE exhibiting the Value of the Notes of the Several Banks of the United States, as compared with the Notes of the City Banks of New York; the latter being calculated as the Par Standard of the Currency in August, 1845. New York City Banks...... par 3-8 dis Albany Exchange Bank, Albany.. par Bank of Genesee, Batavia..... 5-8 dis par Bank of Rochester, Rochester Clinton Co. Bank, Plattsburg... I dis 5-8 dis Farmers' Bank of Hudson....... par Farmers' Bank of Orange Co. Warwick...... 5-8 dis Farmers' Bank of Orleans, Gaines 5-8 dis Farmers' Bank of Penn Yan.. 5-8 dis Farmers' and Drovers' Bank, Buffalo...... Farmers' and Drovers' Bank, Somers... 5-8 dis par par 5-8 dis Genesee, Batavia... Farmers' and Mechanics' Bank of Ogdensburg, Ogdensburg 5-8 dis Farmers' and Mechanics' Bank of Rochester.. ..... 5-8 dis Fort Plain Bank, Fort Plain.. 5-8 dis Genesee County Bank, Leroy 5-8 dis Hamilton Bank, Madison Co.. 10 dis Herkimer County Bank, Little Falls.... ..... 5-8 dis Highland Bank, Newburg........ par Howard Trust and Banking Co. Troy........ 3-8 dis Hudson River Bank, Hudson.... par James' Bank, Saratoga Co.... 5-8 dis Jefferson County Bank, Watertown 3-8 dis Kingston Bank, Kingston, Ulster Co. par Lewis County Bank, Martinsburgh... ... 3-8 dis see.. Livingston County Bank, Gene5-8 dis Lockport Bank and Trust Co., Lockport... ..... 5-8 dis Long Island Bank, Brooklyn.... par Luther Wright's Bank, Oswego 5-8 dis Madison County Bank, Cazinovia 5-8 dis Manufacturers' Bank, Ulster.. 5-8 dis Mechanics' and Farmers' Bank, Albany, under 50 drs....... 3-8 dis Mercantile Bank of Schenectady 3-8 dis Merchants' Bank, Buffalo..... 5-8 dis Merchants' Bank at Canandaigua 5-8 dis Merchants' and Farmers' Bank, Ithaca...... ......... 5-8 dis Merchants' and Farmers' Bank, Putnam Co..... 5-8 dis Merchants' and Mechanics' Bank of Troy ...... 3-8 dis Middletown Bank, Orange Co. 3-8 dis Mohawk Bank, Schenectady.. 3-8 dis Mohawk Valley Bank, M,Village 5-8 dis Montgomery County Bank, Johnstown... 5-8 dis New York State Bank, Albany 5-8 dis New York Stock Bank, Durham 5-8 dis Ogdensburgh Bank, Ogdensburgh.... 5-8 dis 5-8 dis Oliver Lee and Company's Bank, Buffalo..... ......... par Powell Bank, Newburg Sackett's Harbour Bank, Sac- CONNECTICUT. par Bridgeport Bank, Bridgeport. 1-4 dis City Bank, Newhaven....... 5-8 dis 1-4 dis Connecticut Bank, Bridgeport 1-4 dis Connecticut River Banking Company 1-4 dis par Troy City Bank, Troy ········ 3-8 dis ... White's Bank, Buffalo........ 5-8 dis ............................. par White Plains Bank, Westchester Co...... 5-8 dis Wooster Sherman's Bank, Watertown.. 5-8 dis Yates County Bank, Penn Yan 5-8 dis dis MAINE. Agricultural Bank, Brewer Bangor Commercial Bank, Bangor dis Bank of Old Town, Orono...... fraud Bank of Portland, Portland... dis Bank of Westbrook, Westbrook 3 dis Calais Bank, Calais ........... 10 dis Central Bank, Hallowell ....... 5 dis Citizens' Bank, Augusta ....... fraud City Bank, Portland........... dis Exchange Bank, Portland - dis Frankfort Bank, Frankfort fraud Georgia Lumber Co., Portland. broken Globe Bank, Bangor.. ........fraud Lafayette Bank, Bangor....... dis Maine Bank, Portland........ dis Mercantile Bank, Bangor....... 5 dis Neguemkeag Bank.... Oxford Bank, Fryboorg ....... fraud St. Croix Bank, Calais........ dis Union Band, Brunswick...... dis Washington County Bank, Calais dis Other Banks in the State.... 3-8 dis par 1-4 dis Middletown Bank, Middletown 1-4 dis Mystic Bank, Mystic.. 1-4 dis New Haven County Bank, New NEW JERSEY. Belvidere Bank, under 10 dirs 3-8 dis Burlington Co. Bank, Medford 1-2 dis Cumberland Bank of New Jersey, Bridgeton...... ...... 1-2 dis Commercial Bank, Perth Amboy, under 10 dollars....... 1-2 dis Farmers' Bank of New Jersey, Mount Holly.. .... 1-2 dis Farmers' and Merchants' Bank, Middletown, Point, under 5 dollars 1-2 dis Farmers' and Mechanics' Bank, Rahway, under 10 dollars... 3-8 dis Farmers' and Mechanics' Bank, New Brunswick.................... (continued) DELAWARE. broken All Banks in this State, 5 dollars and over.... Manufacturers' Bank, Belle- 3-8 dis pany, Jersey City..... ......no sale Morris County Bk.,under10 drs. 3-8 dis Mount Holly Bank.. 1-2 dis Newark Bank and Ins. Co.,under 5 dollars ........ 3-8 dis 1 dis | Newhope Delaware Bridge Co. Orange Bank, Orange, under 5 dollars... ..... 3-8 dis Princeton Bank, Princeton.... 1-2 dis People's Bank of Paterson.... 3-8 dis Plainfield Bank, Plainfield ... 1-2 dis Salem Banking Co. Salem.... 1-2 dis State Bank at Morris, under 10 dollars ....... State Bank at New Brunswick under 5 dollars ... State Bank at Elizabeth under 3-8 dis All Banks in this State, under 5 MARYLAND. 1-4 dis Union Bank of Florida, Talla- ALABAMA. Bank of Salisbury, Salisbury.... 3 dis Farmers' and Millers' Bank, Frederick County Bank, Frede- 14 dis 1 dis dis dis New Orleans (sound) Banks.... 2 dis 1 dis | Bank of the State, Little Rock. 75 dis Hagerstown Bank, Hagerstown 1 dis 3-8 dis Mineral Bank, Cumberland.... 2 dis Patapsco Bank, Ellicot's Mills. 14 dis Washington County Bank, Williamsport....... 5 dollars...... ........... 3-8 dis State Bank at Camden........ 1-2 dis State Bank at Newark, under 5 dollars ..... ........ 3-8 dis Sussex Bank, Newtown, under 3-8 dis 10 dollars... Trenton Banking Co., Trenton, under 5 dollars............. 1-2 dis Union Bank, Dover.......... 3-8 dis and 1 dis 3 dis Farmers' and Merchants' Bank, 3 dis Planters' Bank and Branches.. 3 dis 3 dis DISTRICT OF COLUMBIA. Bank of the Metropolis, Washington. 3-4 dis Bank of Potomac, Alexandria. 3-4 dis Bank of Washington, Washington.. ... ... ...... 3-4 dis Farmers' Bank of Alexandria, Alexandria...... ...... 3-4 dis Farmers' and Mechanics' Bank, Georgetown 3-4 dis Patriotic Bank of Washington. 3-4 dis Bank of the State and Branch. 2 dis Union Bank of Georgetown, PENNSYLVANIA. 24 dis 60 dis 35 dis Exchange Bank of Virginia, 1 dis INDIANA. 30 to 40 dis dis 14 dis Merchants' and Mechanics' OHIO. 2 dis | 2 dis Bank of Cleveland, Cleveland.. 10 dis 1 dis Berks County Bank, Reading cothe 14 dis |