The policeman pulled out his revolver and pointed the muzzle at Abner. “I’m personally commandeering this car and seeing that you go directly to the pavilion or I’ll blow your driver’s head off and turn the car over to someone with decency.”
Cromwell was not impressed. “A pretty speech, Officer, but the car stays with me.”
The policeman’s face flushed with anger. He waved his revolver. “I’m not going to warn you again—”
The policeman reeled back in shock, his eyes wide, as a bullet from Cromwell’s Colt .38 ripped into his chest. He stood for a moment, bewildered, until his heart stopped and he crumpled to the pavement.
There was no hesitation, no concern, no remorse. Abner quickly slid from behind the wheel, snatched up the body as if it were a dummy, and set it on the front seat. Then he resumed his position behind the wheel, shifted into first gear, and drove away.
There was so much pandemonium on the streets—people shouting, the occasional thunder of another building collapsing, and the shriek of the fire equipment—that no one noticed the murder of the policeman. The few people who saw him fall to the ground thought he was injured and being picked up by a driver using his automobile as an ambulance.
“You’ll dispose of him?” Cromwell asked, as if suggesting that a servant throw a dead cockroach in the trash.
Abner spoke into his speaking tube: “I’ll take care of the matter.”
“When you’re finished, drive into the freight-and-service entrance at the rear of the bank. Let yourself in the back door—you have the key. I’ll need you to help carry several trunks to the automobile.”
“Yes, sir.”
As the Rolls-Royce reached the corner of Sutter and Market Streets and Cromwell saw the approaching inferno and the magnitude of the destruction, he began to feel apprehensive about what he would find when they drove up to his bank. His growing fear quickly turned to elation when the building came into view.
The Cromwell National Bank had withstood the earthquake nearly unscathed. The unyielding stone structure had lived up to Cromwell’s boast that it would last a thousand years. None of the walls or the great fluted columns had fallen. The only apparent damage was the shattered stained-glass windows, whose shards turned the sidewalk around the bank into a kaleidoscope of colors.
Abner pulled the Rolls to a stop and opened the rear door. Several bank employees were milling around the front entrance, having come to work out of habit, not knowing how else to deal with the tragic interruption of their lives. Cromwell got out and was only halfway up the steps when they surrounded him, all talking at once, bombarding him with questions. He held up his hands for silence and reassured them: “Please, please, go home and stay with your families. You can do nothing here. I promise your salaries will continue to be paid until this terrible calamity has ended and normal business can resume.”
It was an empty promise. Not only did Cromwell have no intention of continuing their salaries while the bank was shut down; he could see that the flames sweeping through the business district of the city were only a few hours away from consuming the bank building. Though the walls were stone and unyielding, the wooden roof beams were highly susceptible to fire, which would quickly gut the building to an empty shell.
As soon as his employees were walking away from the bank, Cromwell took a set of large brass keys from his coat pocket and unlocked the massive bronze front door. He didn’t bother to lock it after him, knowing the fire soon would consume any records inside. He headed straight for the vault. The time lock was set to engage the combination at eight o’clock. It was now seven forty-five. Cromwell calmly walked over to a leather chair at the loan officer’s desk, brushed off the dust, sat down, and produced a cigar from a case in his breast pocket.
Feeling as if he were in full command of the situation, he leaned back, lit the cigar, and blew a cloud of blue smoke toward the ornate ceiling of the lobby. The earthquake, he thought, could not have come at a more-opportune time. He might lose a few million, but the insurance would cover any damage to the bank building itself. His competitors tied up their assets in loans, but Cromwell always kept his assets in cash and invested on paper. Once it became known he had fled town, bank examiners would land on the Cromwell National Bank like vultures. With luck, his depositors might get ten cents on their invested dollar.
At precisely eight, the vault mechanism made a chiming sound as the locks clicked off one by one. Cromwell walked over to the vault and turned the huge wheel, which had spokes like a ship’s helm, turned it, and released the bars from their shafts. Then he pulled the giant door open on its gigantic well-oiled hinges as easily as if it were attached to a kitchen cupboard and entered.
It took him two hours to finish loading four million dollars in large-denomination gold certificate bills into five large leather trunks. Abner arrived, after hiding the body of the policeman under the collapsed floor of a hardware store, and carried the trunks out to the Rolls. Cromwell was always impressed with the Irishman’s brute strength. He himself could barely lift one end of a filled trunk off the floor, but Abner hoisted it onto one shoulder with barely a grunt.
The Rolls was parked in the underground freight entrance used by armored trucks and wagons that delivered currency or coins from the nearby San Francisco Mint. Cromwell helped Abner load the trunks in the spacious rear compartment before covering them with blankets he’d brought from his mansion. Under the blankets, he placed cushions from the chairs in the lobby of the bank, positioning them so that it looked as if they were dead
