text:  It is stated that these deposits are to a great extent left uncalled for from year to year and that the depositors are in the habit of adding at the end of each year to the interest then accrued the amount of their yearly savings; that the sums thus gradually accumulated belong chiefly to the labouring and industrious classes of the community; and that when such accounts are closed it is generally for the purpose of enabling the depositors either to purchase a house or to engage in business