Farmers' & Merchants' Nat. Bank of Kaufman v. Howell

268 S.W. 776
CourtCourt of Appeals of Texas
DecidedJanuary 15, 1925
DocketNo. 130.
StatusPublished
Cited by8 cases

This text of 268 S.W. 776 (Farmers' & Merchants' Nat. Bank of Kaufman v. Howell) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Farmers' & Merchants' Nat. Bank of Kaufman v. Howell, 268 S.W. 776 (Tex. Ct. App. 1925).

Opinions

STANFORD, J.

Plaintiff in error filed this suit, and the parties will be designated herein as in the trial court. The only issue involved in this appeal is whether a mortgage given by G. W. Howell to plaintiff sufficiently described the cotton raised by Howell for the year 1920 in Kaufman county, to give plaintiff a mortgage lien on same, and to put the defendants, who purchased the cotton from Howell, on notice thereof. The mortgage is dated April 20, 1920, and the descriptive portion is:

“I, G. W. Howell, of Kaufman county * * ⅜ do by these presents mortgage, sell, and convey unto the Farmers’ & Merchants’ National Bank of Kaufman, Tex., its heirs and assigns, the following described property, to wit: One wagon, all harness, cultivator, all plow tools and implements, two head of hogs, all crops for the year 1920. Said property is located in Kaufman county, Tex., and is owned by me in good faith under perfect title, free of all hens.”

The defendant Howell filed no answer. The court sustained objections by all the other defendants to that part of said mortgage covering all crops for the year 1920, upon the ground that the description was insufficient to create a lien pn said crops, and upon the further'ground that said description was insufficient to charge the defendants with notice of any mortgage lien on the cotton purchased by them from Howell. The action of the court in .excluding said' part of said mortgage was duly excepted to by plaintiff by its bill of exception No. 1, and complained of in its assignments of error Nos. 1, 2, and 3.

Plaintiff then offered to prove by its cashier, J. A. Cooley, that at the time G. W. Howell executed said mortgage to the plaintiff bank, on April 20, 1920, that the said Howell told him he had rented for the year 1920, land on the Brown and Trail farm in Kaufman county, Tex., and was then living on said rented land and had most of his crops planted, and that his crops on the Brown and Trail farm were the only crops *777 he had in the year 1920, and said witness testified he knew where said farm was, and where Howell lived on said farm. Upon objection to this evidence by all the defendants, npon the ground that same was immaterial and was hearsay evidence as to defendants, the court excluded said evidence, Plaintiff excepted to the action of the court in excluding said parol evidence by its bill of exception No. 2, and complains of the action of the court in refusing to hear this evidence in its assignment of error No. 4.

Our Supreme Court, in the case of Port Worth National Bank v. Red River National Bank, 84 Tex. 369, 19 S. W. 517, where a similar question was involved, said:

“Written descriptions are to he interpreted in the light of the facts known to and in the minds of the parties at the- time. They are not prepared for strangers, but for those they are to affect — the parties and their privies.”

Parol testimony is admissible to aid the written description, such as that the mortgagor was, at the time of the execution of the mortgage, living on the rented land, and had his crop planted, that he had no other crop, etc. The mortgage here involved was given by Howell to plaintiff on April 20, 1920, covering all crops raised by Howell in Kaufman county during said year. At least, this is the evident meaning and intention of the parties as expressed in said mortgage. The defendants never became interested in the subject-matter of said mortgage until they bought a part of the cotton the following fall which Howell raised on said farm during said year. The evident purpose of this evidence was to show a valid mortgage had been executed by Howell to the plaintiff on April 20, 1920, and not for the purpose of charging defendants with notice of said mortgage, and the fact that defendants, six months later, became interested by buying a part of the mortgaged property, is no reason for depriving- plaintiff of legitimate evidence to establish the validity of the mortgage when it was originally entered into. If defendants had so requested, they would have been entitled to have the consideration of said evidence confined to the validity of the mortgage as originally entered into. Counsel for defendants suggest in their brief that this evidence was admitted as to defendant Howell, but in this they are in error, as shown by the récord. The trial court erred in excluding this evidence. Bank v. Bank, 84 Tex. 369, 19 S. W. 517; Conley v. Dimmit County State Bank (Tex. Civ. App.) 181 S. W. 271. We sustain plaintiff's fourth assignment of error.

As sustaining their contention that the description of the crop contained in the mortgage given by Howell to plaintiff was insufficient to create a valid mortgage, defendants rely upon the opinion of our Supreme Court, in the case of Watson v. Paddleford & Son, 110 Tex. 525, 221 S. W. 569. In this case the mortgage was dated January 1, 1912, and the description was as follows:

“Any three bales of cotton to be planted and cultivated by me in the year 1912 on the place known as the - farm, --- miles from Roekwood or any other farm in Coleman county.”

The Court of Civil Appeals for the Third district (220 S. W. 779), held this description insufficient, citing Richardson v. Washington, 88 Tex. 339, 31 S. W. 614, and McDavid v. Phillips, 100 Tex. 73, 94 S. W. 1131, basing their holding on the ground that the term “any three bales” did not designate any particular cotton, and said further :

“Had the mortgage been on the first three bales to be raised and gathered by the mortgagor, or on all of the cotton to be raised by him, it might be said that this description would be sufficient to identify the cotton when raised.”

This question was certified to our Supreme Court, which approved the holding of the Court of Civil Appeals, and said further:

“There is nothing in the description ‘any three bales of cotton to be planted and cultivated by me in the year 1912 on the place known as the - farm, - miles from Roekwood or any other farm in Coleman county,’ to point out any particular cotton as that to which the parties then contemplated a lien would attach, or to point out any particular land on which the cotton was to be produced, and, therefore, the cases of Richardson v. Washington and McDavid v. Phillips are decisive against the sufficiency of the description.”

In the case of Richardson v. Washington, M. C. Alexander, a tenant of R. P. Jones, on January 23, 1892, executed a mortgage on all crops to be raised by him on 100 acres of land he then had rented for the year 1892, but did not have leased for the year 1893, to Washington & Costley Bros., merchants, for supplies.1 The mortgage provided that if' for any reason Alexander’s indebtedness was not paid out of the proceeds pf thé crops raised by Alexander during the year 1892, then said mortgage would attach to crops to be raised during the year 1893. In other words, the question was, could a tenant give a mortgage on crops to be raised on certain land during a certain year, when at the time of giving said mortgage he had no lease on same for said year ?

In the case of McDavid et al. v. Phillips et al., 100 Tex. 73, 94 S. W.

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Bluebook (online)
268 S.W. 776, Counsel Stack Legal Research, https://law.counselstack.com/opinion/farmers-merchants-nat-bank-of-kaufman-v-howell-texapp-1925.