If you are a banker during 1812-1820, the thing that is most profitable to you is to

Question

a. accumulate as much gold and silver as you can in your vaults

b. call in your loans as soon as you can

c. lend as much money as you safely can

d. convince as many people as possible to deposit money in your bank

Answer 1

All of the above, being very shrewd about it, and balancing the buisness income on interest rates as to not appear extreme to the casual appraisial. Also, I'm certain that (just as it is now), the stockpiling of gold and silver were both lucrative and pragmatic.

Answer 2

convince.d.

Answer 3

I think loaning to Iron industry will be profitable at that time.  

Answer 4

Be right with the Lord, any banker from that time is long time a skelton

and his soul is up for Judgement!