stranger from out of state?”
“True, but, as I said, I personally checked the draft to make sure it wasn’t a forgery. I asked him why he didn’t draw on it from a Seattle bank, but he said his company was opening an office in San Francisco. I assure you that it was a bona fide draft. I could find no reason to be suspicious. We paid, although it took almost every dollar of currency we carried in the vault.”
“The bank we represent won’t be happy about this,” Barnum pointed out.
“I’m not worried,” Cromwell replied significantly. “The Cromwell Bank has done nothing illegitimate or illegal. We have adhered to the rules and regulations of banking. As to the Salt Lake Bank and Trust failing to meet their obligations, I’m not concerned. Besides their insurance company paying for the theft of the currency, I happen to know their assets are more than ample to cover a half-million-dollar loss.”
Barnum addressed Bigalow without turning in his direction. “We had better get to the nearest telegraph office and notify the Salt Lake Bank and Trust directors. They won’t be pleased.”
“Yes.” Bigalow nodded heavily. “They may not take this lying down.”
“They have no choice but to honor the draft. It is safe to say the banking commission will agree in Cromwell Bank’s favor, should the directors of the Salt Lake Bank wish to enter a protest.”
The two agents came to their feet.
“We’ll need a statement from you, Mr. Cromwell,” announced Farnum, “stating the circumstances of the payment.”
“I shall have my attorneys draw it up first thing in the morning.”
“Thank you for your consideration.”
“Not at all,” said Cromwell, remaining seated. “I’ll do all in my power to cooperate.”
As soon as the agents left, Cromwell called in Miss Morgan. “Please see that I am not disturbed for the next two hours.”
“I’ll see to it,” she said efficiently.
Seconds after the door closed, Cromwell walked over and quietly locked it. Then he lifted the heavy suitcase under the desk onto the teak surface and opened it. The currency was piled loosely inside, some in stacks wrapped with paper bands.
Methodically, Cromwell began to count and stack the bills, wrapping the loose ones with bands as he inked in the amount. When he finished, he had his desktop filled with neatly piled bundles of cash, marked and counted. The tally came to two hundred forty-one thousand dollars. Then he carefully put the money back in the suitcase, slid the suitcase back under the desk, and opened several ledgers, entering deposits in bogus accounts, which he had set up previously to conceal money stolen over the years. Money that he used to build up the assets needed to open his own bank. Satisfied that he was covered by all the entries, he buzzed Miss Morgan and informed her that he was ready to deal with the day-to-day business of running a successful house of finance.
The banking hours were from ten o’clock in the morning until three in the afternoon. When closing time rolled around, Cromwell waited until the employees had all left for home and the bank was locked up. Now, alone in the bank’s vast interior, he carried the suitcase down the elevator to the main floor and into the bank vault, which was still open according to his instructions. He placed the currency, one stack at a time, in the proper bins that were used by the tellers for customer transactions. The receipts he had made up would be turned over to his chief accountant in the morning, who would record the juggled deposits without knowing the serial numbers.
Jacob Cromwell felt pleased with himself. Swindling as well as robbing the bank in Salt Lake City had been his most bold undertaking to date. And he was not about to repeat it. The evil act would throw off his pursuers, who would think he was becoming more daring, and be led into thinking he might try robbing a major city’s bank again. But he knew when not to press his luck. Such a robbery was extremely complicated. When he went out on a crime spree again, it would be in a small town yet to be selected.
After closing the vault and throwing the locks and timer, he went down to the basement and slipped out to the street through a hidden door that only he knew existed. Whistling “Yankee Doodle,” he hailed a cab and rode to California Street, where he took the cable car up the steep, twenty-four-percent grade of the three-hundred- seventy-five-foot-high slope to his house on Nob Hill, the “hill which is covered with palaces,” as Robert Louis Stevenson described it.
Cromwell’s mansion amid mansions sat on a small picturesque lane called Cushman Street. The other monuments to wealth had been built by the bonanza-mining types and the big-four barons of the Central Pacific, later the Southern Pacific Railroad: Huntington, Stanford, Hopkins, and Crocker. To the eye of a creative artist or designer, the mansions looked like monstrosities of architecture gone mad with ostentation.
Unlike the others that were built of wood, Cromwell and his sister Margaret’s house was constructed of quarried stone and reflected more of a sedate, almost library-like exterior. There were some who thought it bore a striking resemblance to the White House in Washington.
He found his sister impatiently waiting. At her urging, he quickly readied himself for a night on the Barbary Coast. Yes indeed, he thought, as he dressed in his evening clothes, it had been a productive week. One more success to add to his growing sense of invincibility.
12
IRVINE COULD NOT COME UP WITH CURRENCY SERIAL numbers in Bozeman. Not only had the bank failed to record them; it had gone out of business due to the robbery. By the time their assets made up for the loss, the bank had collapsed, and the founder sold what few assets that were left, including the building, to a rich silver miner.
Irvine pushed on to the next robbed bank on his list and took the Northern Pacific Railroad to the mining town of Elkhorn, Montana, located at an elevation of 6,444 feet above sea level. A booming mining town with twenty-five hundred residents, Elkhorn had produced some ten million dollars in gold and silver from 1872 until 1906. The Butcher Bandit had robbed its bank three years earlier, leaving four dead bodies behind.
Just before the train pulled into the town station, Irvine studied, for the tenth time since leaving Bozeman,
