Applications for House Purchase loans were initially dealt with by the Bank's General Committee, but with an escalating demand for loans, two Sub-Committees were formed to deal with the applications - the Sub-Committees meeting on alternate weeks. As the demand subsided, meetings were held less frequently and it was necessary for only one Sub-Committee to be convened. In addition to reporting the number of meetings held since the last report, and the number of applications received (and the number granted, etc), the Sub-Committees also discussed policy issues and made appropriate recommendations to the General Committee. From 1922 onwards, the reporting of loans granted was made by summarising the loans that had been entered in the House Purchase Advances Book. The following table summarises the work of the Sub-Committees from December 1920 to December 1921.

 

Date Reported to General Committee	Sub-Committee 'A'	Sub-Committee 'B'	Joint Committee
December 20th 1920	3 Meetings  Applications: 35  Advances Granted: 31  Applications Adjourned: 3  Applications not acceded to: 1  (C Darwin for an advance on 4 houses)  "One or two applications have been received from Mortgagors asking for the periods of repayment to be extended, owing to unforseen difficulties. The requests have been acceded to (within authorised limits) in cases where .... the circumstances so warranted"	4 Meetings  Applications: 36  Advances Granted: 27  Applications Adjourned: 6  Applications Withdrawn: 2  Application not acceded to: 1   (One application declined as the property had been bought before the application was made)
January 17th 1921	1 Meeting  Applications: 8 (inc 2 previously adjourned)  Advances Granted: 5  Applications Adjourned: 2  Applications cancelled: 1 (Town Clerk instructed to withdraw offer of Mortgage where Mortgagor's Solicitor does not submit documents in a timely manner)	2 Meetings  Applications: 27  Advances Granted: 23  Applications Adjourned: 4  (Discussion re "Failure to make Repayments - J T Rea"; Suspension of Repayments due to illness - A H Kirk")
February 21st 1921	2 Meetings  Applications: 26 (inc 3 previously adjourned)  Advances Granted: 21  Applications Adjourned: 1  Applications discharged: 4  Offers Withdrawn (no response): 2  Permission to sell mortgaged properties: 2 (Receiver Appointed re J T Rea)	3 Meetings  Applications: 35 (inc 4 previously adjourned)  Advances Granted: 29  Applications Adjourned: 1  Applications not acceded to: 3  Applications Withdrawn: 2  Permission to sell mortgaged properties: 4    (Charge of £3. 3s. 0d. to be made) (Failure to make Repayments - Lear)
March 21st 1921	2 Meetings  Applications: 22  Advances Granted: 21  Application not acceded to: 1  Offers Withdrawn (no response): 1 (Policy re term on Post-War Houses amended) (J T Rea; failure to pay rent)
April 18th 1921			Policy decisions re: Sale of Mortgaged Property Depositors as Purchasers Advances on two or        more houses Fees for copy valuation and         inspection of Deeds Short Lease Properties Additional Security Shops and Dwellinghouses Sewers and uncompleted Roads Post-war Houses -        Repayment period
May 23rd 1921	4 Meetings  Applications: 46  Advances Granted: 44  Applications Adjourned: 2  Applications Withdrawn: 2  Offers Withdrawn (no response): 2  Permission to sell mortgaged properties: 4	3 Meetings  Applications: 22  Advances Granted: 17  Applications Adjourned: 5  Applications Withdrawn: 5  Permission to sell mortgaged properties: 2
June 20th 1921		2 Meetings  Applications: 26  Advances Granted: 23  Applications Adjourned: 1  Applications not acceded to: 2          (1) Timber Construction          (2) Leasehold with only 26 years to run  Permission to sell mortgaged properties: 1 Policy decisions re:     Divorce - removal of husband as surety     Leasing of Mortgaged property - Carter
July 18th 1921		2 Meetings  Applications: 32  Advances Granted: 29  Applications Adjourned: 1  Offers Withdrawn (no response etc): 10 Policy decisions re:     Application from Selly Oak Colleges     Leasing of Mortgaged property - Left
October 14th 1921		3 Meetings  Applications: 23  Advances Granted: 19  Applications Adjourned: 4  Offers Withdrawn (no response): 2
December 19th 1921			Councillor Fryer appointed Chairman  Future meetings to be held  ½-hour     before General Committee  Legal & Bank Charges  Sale of property subject to Mortgage  Insurance of Properties  Limit of Advances

 

November 15th 1920	November 14th 1921	November 13th 1922	November 19th 1923
Lovsey (A)	Fryer	Lovsey	G Cadbury, Jnr
Appleby (A)	Appleby	Appleby	Lovsey
Fryer (A)	Gelling	Gelling	Appleby
Tiptaft (A)	Higgins	Fryer	Cooper
Appleby (B)	Parnell	Higgins	Gelling
Gelling (B)	Poole	Poole	Fryer
Keatley (B)	Tiptaft	Tiptaft	Higgins
Ward (B)		Williams	Poole