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Fidelity Union Trust Co. v. CoryFidelity Union Trust Co. v. Cory

New Jersey Superior Court Appellate Division
Jun 20, 1950
Versions:74 A.2d 360
9 N.J. Super. 308

STEIN, J.S.C.

Pursuant to an order of consolidation entered on March 31, 1950, the above entitled cause of action and the actions known as Fidelity v. Beach, docket C-1923-48, Fidelity v. Knox, docket C-256-49, Fidelity v. Noland, docket C-1937-48, Fidelity v. Schneider, docket C-2202-48, Fidelity v. Young, docket C-1930-48, and Titsworth v. Blair, docket C-2027-48, all of which cases involve common questions of law and fact, were ordered to be tried jointly.

The matter before the Court for decision is whether the shares of stock of Public Service Electric and Gas Company (“Electric and Gas“) received by the respective plaintiff trustees on or after July 1, 1948, the effective date of the Final Amended Plan dated December 29, 1947, for the dissolution of Public Service Corporation of New Jersey pursuant to Section 11 (e) of the Public Utility Holding Company Act of 1935 (“the Plan“) are substantially equivalent to the shares of Public Service Corporation of New Jersey (“the Corporation“) formerly held in the respective trust accounts. Schedule A which forms a part of this opinion is supported by the evidence and documentary proofs and shows the shares of stock formerly held and those now held, and the differences and similarities between cumulative preferred stock of Public Service Corporation and the new preference common stock of Public Service Electric and Gas Company distributed to the holders of cumulative preferred stock of Public Service Corporation of New Jersey.

The abbreviations used herein are those adopted in the Plan and in some instances those adopted in the “Findings, Opinion and Orders of the Securities and Exchange Commission dated December 30, 1947, and February 26, 1948, approving the Final Amended Plan dated December 29, 1947, for the dissolution of Public Service Corporation of New Jersey pursuant to Section 11(e) of the Public Utility Holding Company Act of 1935,” this latter being herein referred to as “S.E.C. Findings.”

In each case before the Court the shares of stock of the Corporation (whether 8%, 7% or 6% cumulative preferred stock or common stock) were retained by the executors or trustees under an authority expressly granted to retain investments held by the decedent, or under the statutory authority to retain granted by R.S. 3:16-12. If it be determined by the Court that the shares of Electric and Gas received on the exchange are substantially the equivalent of the shares of the Corporation formerly held, then the shares of Electric and Gas now held may continue to be retained and it will be unnecessary to consider the special language of any of the wills in question.

The new stock was received pursuant to a Plan for the dissolution of the Corporation which was approved by order of the United States District Court for the District of New Jersey dated March 19, 1948, in a proceeding brought by the Securities and Exchange Commission under the Public Utility Holding Company Act of 1935.

The following is a summary of the Plan:

“(1) the exchange of unsecured 50 year 6% Debenture Bonds of Electric and Gas, in equal face amount, for the outstanding 6% Perpetual Interest-Bearing Certificates of the Corporation held by the public;

“(2) the redemption by Electric and Gas of its $5 Cumulative Preferred Stock held by the public, the cancellation of its $5 and 7% Cumulative Preferred Stock not held by the public, and the reclassification of its Common Stock (its only other class of stock outstanding) into 6,062,767 shares of $1.40 Dividend Preference Common Stock and 5,503,193 shares of Common Stock;

“(3) the exchange of $1.40 Dividend Preference Common Stock of Electric and Gas for the outstanding Preferred Stock of the Corporation in the respective ratios of 4.7, 4.15, 3.7, and 3.25 shares of Dividend Preference Common Stock for each share of 8%, 7%, 6%, and $5 Preferred Stock of the Corporation, respectively, and the exchange of 5,503,193 shares of Common Stock of Electric and Gas and 550,319 shares of Common Stock of South Jersey Gas Company for the outstanding 5,503,193 shares of Common Stock of the Corporation;

“(4) the sale or other disposition of the stock of County Gas Company owned by the Corporation; and

“(5) the dissolution of the Corporation.

“The indebtedness of Electric and Gas and of Transport presently outstanding in the hands of the public will not be affected by the Plan.”

It is settled law in this State that where stock is retained under a testator‘s authorization permitting the retention of property owned by him, or where stock is retained under the authority of R.S. 3:16-12, new stock into which such investment may be converted as a result of merger, reorganization or other cause may be retained if the new stock is the equivalent or substantially the equivalent of the old. In re Riker (1938), 124 N.J. Eq. 228; affirmed, 125 N.J. Eq. 349; Camden Trust Co. v. DuBois (1945), 136 N.J. Eq. 317; Brown v. Fidelity Union Trust Co. (1944), 135 N.J. Eq. 404; Ballantine v. Young (1911), 79 N.J. Eq. 70; Farr v. First Camden Nat. Bank and Trust Co. (1949), 4 N.J. Super. 89.

The test to be applied is set forth in the Riker case as follows (p. 231):

“If a trustee holds shares of a corporation which he can properly retain, and the corporation is merged or reorganized into a new corporation, the trustee can properly receive and retain new shares issued in exchange for the old, but only if the new shares are substantially equivalent to the old. The difficulty arises in determining whether the new shares are substantially equivalent to the old. As was said by Cardozo, C.J., in one of the cases cited below: `Here, as elsewhere, distinctions of degree may mark the boundary between right and wrong.\’ The determining factor is the substance of the transaction rather than its form.”

Every case must be considered on its merits to determine whether the investment is the same or substantially the same.

In the Riker case, supra, testator had owned stock of Merchants and Manufacturers National Bank, which after his death had been dissolved as a national banking association and reorganized as a New Jersey trust company. A few months later the trust company and another institution, the Newark Trust Company, merged, taking the name Merchants and Newark Trust Company. The court held that the shares of the latter were substantially equivalent to the shares originally owned by the testator at his death. The court recognized that the powers of a trust company were broader than those of a national bank; that the trust company might invest in corporate stocks and could issue and guarantee participations in mortgages where a national banking association could not. Because of these differences the investment in trust company shares was “slightly different in character from an investment in national bank shares and perhaps a trifle more hazardous.” But the court stated that “The same business was continued at the old stand by the same personnel” and that despite the differences the shares were substantially equivalent, and pointed out that even after the subsequent merger of the two trust companies, which caused a further alteration, the business was of the same nature and carried on in the same municipality.

However, a different conclusion was reached by the court in that case with respect to shares of Commercial Casualty Insurance Company stock which had been surrendered in exchange for stock of the Firemens Insurance Company of Newark. The Commercial Casualty had been and continued to be engaged in the liability insurance business, while the Firemens Insurance Company had for many years written fire insurance and became also a holding company, owning the stock of Commercial Casualty and a half a dozen other insurance companies, and so the court concluded that the retention of the stock was not authorized by the statute R.S. 3:16-12.

In the Camden Trust Company case, supra, common stock of a closely held corporation had been owned by the testator and on a reorganization the estate received preferred stock for part of its investment, and these latter shares were held substantially equivalent to the common stock shares. There the court pointed out that the new stock would have better investment qualities and “thus will better serve the purpose for which the balance of the trust is being administered.”

In Hewitt v. Hewitt (1931), 113 N.J. Eq. 299, testatrix had owned 108 shares of Washington Water Power Company and 125 shares of Montana Power Company which had been exchanged for 87 shares of the preferred stock of American Power and Light Company, a large public utility holding company which owned a controlling interest in many utilities. The gross earnings of the two corporations in which testatrix held stock were only 20% of the gross earnings of all subsidiaries of American Power and Light Company and the new shares were in a holding company whereas the old shares were in operating companies. The court there concluded there was no authority to retain the new shares.

In Brown v. Fidelity Union Trust Co., supra, the testator had owned shares of stock in Financial and Industrial Corporation which, after the testator‘s death, merged into Goldman-Sachs Trading Corporation. The executors accepted stock in the latter company. Both corporations were investment trusts holding much the same shares of stock and were practically equal to each other in value. The staffs of both organizations were retained. The banking house of Goldman-Sachs & Co. had a contract with Goldman-Sachs Trading Corporation (which continued in effect after the merger) under which the banking house decided on the changes in investments to be made in the portfolio of the Trading Corporation. While the court there said that the new shares bore a strong resemblance to the old, yet it concluded they were not substantially equivalent.

In In re Freed‘s Estate (1947), 71 N.Y.S.2d 304, the testator had owned virtually all the stock of First Atlantic Corp. (Del.), which in turn owned all the stock of First Atlantic Corp. (N.Y.). These two corporations and testator owned approximately 80% of the stock of Paramount Motors Corp. Both the Atlantic corporations were dissolved after testator‘s death and their assets, including the Paramount shares, were distributed to their stockholders, including testator‘s estate. It was held that there was no substantial difference between the stock now held and the stock left by the deceased, the only difference being that the estate now held the stock of Paramount in its own right instead of through the holding company.

In considering the points of sameness and the differences between the stocks of Electric and Gas now held and the stocks of the Corporation formerly held, as brought out hereinafter herein and in Schedule B, and in applying the principles and precedents established in the above cases, it is concluded that the new shares of Electric and Gas (both dividend preference and common stock) are substantially equivalent to the old shares of the Corporation for which they were received in exchange. The Riker case shows that the court may go far in sustaining equivalency when the business is the same and is carried on by the same personnel at the same place, and points strongly in favor of equivalency on the Electric and Gas facts.

In considering the equivalency of the stocks now held to those formerly held, it is to be observed that the two companies (Electric and Gas as compared with the Corporation) are substantially the same. The same utility system with minor exceptions which was under the control of the Corporation is now under the control of and operated by Electric and Gas. The sources and prospects of income are in each case the same; business is carried on “at the old stand” and with the same personnel.

Schedule A attached as part of this opinion shows the similarities and differences between the dividend preference stock of Electric and Gas and the preferred stocks of the Corporation and reference is now made to that schedule.

Electric and Gas is an operating company and at the same time it is a holding company in that it holds all the stock of Transport. The Corporation was a holding company but through its control of Electric and Gas it was able to and did participate directly in operating functions, for the employees of the Corporation with but minor exceptions were also employees of Electric and Gas. It is therefore concluded that there is equivalency in this respect.

There is a dictum in Hewitt v. Hewitt, supra, that where the new stock is in a holding company whereas the stock formerly held was in an operating company “substantial equivalency” may perhaps be lacking. But that is the inverse of the situation here. Moreover the facts in the Hewitt case were very strongly against equivalency entirely apart from this point.

The several intra-system transfers and cancellations of securities and the accounting entries involving total write-offs of approximately $100,000,000 can be dismissed as of no consequence on the issues before the Court. All the companies, both parent and subsidiary, were solvent before and after the adoption of the Plan and their business and prospects of earnings, when viewed collectively, continue to be the same. Electric and Gas continued to own the same assets and the same physical properties, with minor exceptions. The sale of County Gas, a minor part of the whole, may be disregarded as the sale might have been made had the Plan not been adopted. The stocks were not callable. Another difference is that the old preferred stocks had a priority in the event of liquidation which is not true of the new dividend preference stock, but it is submitted that the question of liquidation may reasonably be put aside in this case by reason of its unlikelihood with the utility system with which we are here concerned. Again, the $8 preferred stock had certain pre-emptive rights on the issuance of new stock which have now disappeared; but pre-emptive rights today are not regarded as of such importance as during earlier years (S.E.C. Findings, p. 35). It is particularly to be noted that for every feature of the preferred stocks that was dropped there was added some other benefit; and while these changes do result in differences, the differences either singly or in the aggregate are not substantial.

As pointed out in Camden Trust Co. v. DuBois, supra, the variances in the new dividend preference stock as compared to the old preferred stock are not a basis for finding an absence of equivalency, for in that case the court held that preferred stock could be equivalent to common stock. In considering the variances between the old preferred stocks and the new dividend preference stock the Court takes into consideration the fact that the dissolution of the Corporation was brought about under governmental compulsion by reason of the Public Utility Holding Company Act of 1935. No such factor was present in any of the New Jersey cases cited. This is not a case of investors or management devising a new corporate set-up; it is a revamping of the capital structure to conform to a statutory public policy regarding utilities, over which the companies and their stockholders had no control.

The differences between the common stock of Electric and Gas compared to the common stock of the Corporation are set forth in Schedule B and reference is made to that schedule.

No new interests have been introduced ahead of the former common stockholders of the Corporation, for as pointed out herein, the holders of the dividend preference stock have taken the place of the former holders of the preferred stock of the Corporation and the holders of the debentures have taken the place of the former holders of the perpetuals of the Corporation. The facts show that the two corporations are really the same. Even though the voting positions of the respective classes of stock have been somewhat shifted by the Plan, the voting power of the former preferred stockholders of the Corporation having been advanced from 23% to 52% (S.E.C. Findings, p. 34), this diminution in voting effect of each share of the new common stock does not affect in any material degree the question of substantial equivalency.

A privilege to convert into common stock has been granted to the dividend preference stock, but it might be said that the removal of the preference on liquidation which the preferred stockholders formerly held offsets this; and moreover in the event the conversion rights are exercised there is removed this preferential claim on dividends. Here again the variances do not cause a difference of substance either singly or in the aggregate. I find, therefore, that each share of the common stock of Electric and Gas is the equivalent or substantially the equivalent of each share of common stock of the Corporation.

Finally a trustee is held to a strict standard and is required to exercise an independent and impartial judgment; and when the trustee, by reason of conflicting interests, is unable to exercise this independent and impartial judgment it is appropriate and necessary that he should ask instructions of the Court. Shanley v. Fidelity Union Trust Co. (1927), 108 N.J. Eq. 564. See Scott on Trusts, §§ 170.11, 170.25.

It appears that two of the directors of plaintiff Fidelity Union Trust Company (one of whom is president of the trust company) out of a total of twenty-four directors are directors of Electric and Gas, which has a total of fifteen directors. In addition Fidelity Union Trust Company in its individual capacity owns substantial amounts of the stocks and securities of Electric and Gas and in various other fiduciary capacities owns additional substantial amounts of the stocks and securities of Electric and Gas. It is Registrar for the common stock, dividend preference common stock, 4.08% preferred stock and other stocks of Public Service Electric and Gas Company and is Trustee under the August 1, 1924, mortgage of Public Service Electric and Gas Company (first and refunding mortgage), under which are issued various series of bonds, and is Registrar, Transfer Agent and Interest Paying Agent for the registered bonds under this mortgage and Coupon Paying Agent for all the series of bonds under this mortgage and is Trustee under Public Service Coordinated Transport first and refunding mortgage dated January 1, 1940, and is a Depositary of funds of Public Service Electric and Gas Company and subsidiaries.

These facts were brought to the attention of the beneficiaries and the Court so that the beneficiaries and the Court may make an independent determination of the bearing of these facts on the issues before the Court. None of these factors, singly or in the aggregate, can be said as a matter of fact or of law to affect or call in question the independence or impartiality of judgment of the plaintiff trustee, in determining what action should be taken in regard to Electric and Gas holdings, and does not involve any element of self-dealing.

It is concluded that the shares of Electric and Gas received on the exchange are the substantial equivalent of the shares formerly held and that they may be retained as a part of the investments of the respective trust accounts.

Judgment in accordance with the foregoing.


SCHEDULE A
COMPARISON OF THE OLD PREFERRED STOCKS OF PUBLIC SERVICE CORPORATION OF NEW JERSEY WITH THE NEW DIVIDEND PREFERENCE COMMON STOCK OF PUBLIC SERVICE ELECTRIC AND GAS COMPANY
----------------------------------------------------------------------------
                     8%                  7%                  6%
                 Cumulative          Cumulative          Cumulative
                 Preferred           Preferred           Preferred
                   Stock               Stock               Stock
----------------------------------------------------------------------------
Par value        $100                $100                $100
Rates of
exchange under   4.70 new shs. Pref.
Plan             Com. stock          4.15                3.70
Callable         No                  No                  No
Amount
receivable if
new Pref. Com.
stock were
called after 12
years            164.50              145.35              129.50
Dividends        All four series of
                 preferred stock
                 entitled to
                 cumulative
                 dividends upon an
                 equal and ratable
                 basis at their
                 respective rates
                 before dividends
                 payable on the
                 common stock.       same                same
----------------------------------------------------------------------------
                     $5                The New
                 Cumulative           Preference
                 Preferred             Common
                   Stock                Stock
----------------------------------------------------------------------------
Par value        No par              No par
Rates of
exchange under
Plan             3.25                -
Callable         No                  After 12 yrs.
                                     Electric and Gas
                                     may recall at $35
                                     per sh. plus
                                     accrued dividends.
Amount
receivable if
new Pref. Com.
stock were
called after 12
years            113.75              -
Dividends        same                Limited to cumulative
                                     dividends of $1.40
                                     per sh. per annum.
                                     Entitled to preference
                                     over common stock
                                     in respect of such
                                     dividends.

----------------------------------------------------------------------------
                     8%                  7%                  6%
                 Cumulative          Cumulative          Cumulative
                 Preferred           Preferred           Preferred
                   Stock               Stock               Stock
----------------------------------------------------------------------------
Conversion       No conversion
privileges       privileges          same                same
Preference on    On liquidation,
liquidation      shares of prepered
                 stock entitled upon
                 an equal and
                 ratable basis to
                 $100 per sh. plus
                 all accrued
                 dividends.          same                same
Voting rights    1 vote per sh. at
                 all meetings of
                 stockholders        same                same
Proportionate    Preferred stock
extent of voting entitled to
power            exercise 22.74% of
                 the voting power in
                 Public Service
                 Corporation of New
                 Jersey.             same                same
Cumulative
voting in
respect to
directors
----------------------------------------------------------------------------
                     $5                The New
                 Cumulative           Preference
                 Preferred             Common
                   Stock                Stock
----------------------------------------------------------------------------
Conversion       same                Privilege for 3
                                     yrs. of converting
                                     into 1.1 shs. of
                                     com. stock; next 3
                                     yrs. into 1 sh.
                                     com. stock; next 3
                                     yrs. into 7/8 sh.
                                     of com. stock; next
                                     3 yrs. into 3/4 sh.
                                     of com. stock.
Preference on
liquidation      same                No preference on
                                     liquidation
Voting rights    same                Same voting rights
                                     as holders of common
                                     stock.
Proportionate
extent of voting
power            same                Under the Plan the
                                     preference common
                                     stock is entitled
                                     to exercise 52% of
                                     the voting power
                                     in Electric and
                                     Gas.
Cumulative
voting in
respect to
directors                            Yes

----------------------------------------------------------------------------
                     8%                  7%                  6%
                 Cumulative          Cumulative          Cumulative
                 Preferred           Preferred           Preferred
                   Stock               Stock               Stock
----------------------------------------------------------------------------
Decision as to   Under N.J.
dissolution      Statutes,
                 affirmative vote of
                 2/3 of all the
                 outstanding capital
                 stock, without
                 distinction as to
                 class, required to
                 effect a
                 liquidation.        same                same
Issuance of
other preferred
stock
Issuance of      Pre-emptive rights,
additional       together with
shares of common common
stock            stockholders, to
                 purchase additional
                 shares of common
                 stock which may be
                 issued.             No                  No
----------------------------------------------------------------------------
                     $5                The New
                 Cumulative           Preference
                 Preferred             Common
                   Stock                Stock
----------------------------------------------------------------------------
Decision as to
dissolution      same                Elecric and Gas
                                     may not be
                                     voluntarily
                                     liquidated or
                                     dissolved
                                     (otherwise than by
                                     merger or
                                     consolidation)
                                     without consent of
                                     a majority of
                                     outstanding shares
                                     of preference
                                     common.
Issuance of
other preferred
stock                                With insignificant
                                     exceptions Electric
                                     and Gas may not
                                     (in the absence of
                                     certain specified
                                     amounts of earnings)
                                     issue preferred
                                     stock senior to the
                                     preference common
                                     without the consent
                                     of the holders of
                                     at least 2/3 of
                                     the outstanding
                                     preference common
                                     shares.
Issuance of
additional
shares of common
stock            No                  No pre-emptive
                                     rights to subscribe
                                     to additional
                                     shares of common
                                     stock.

SCHEDULE B
DIFFERENCES BETWEEN THE OLD COMMON STOCK OF PUBLIC SERVICE CORPORATION OF NEW JERSEY AND THE NEW COMMON STOCK OF PUBLIC SERVICE ELECTRIC AND GAS COMPANY.
----------------------------------------------------------------------------
                    Old Common Stock          New Common Stock of
                  of the Corporation           Electric and Gas
----------------------------------------------------------------------------
Par value         No par                    No par
No. of shares     5,503,193 shares          5,503,193 shares plus
                                            5,693,778 shares reserved
                                            for issuance on conversion
                                            of same number of shares of
                                            Dividend Preference Common
                                            Stock.
Proportionate     Common stock which has    Under the plan common stock
extent of voting  one vote per share with   will have 48% of the voting
power             the preferred stock at    power. (Preference common
                  all stockholders’         stock will have 52% and, on
                  meetings, has 77.26% of   full conversion, 55% of the
                  the voting power.         voting power.)
Right as to       The holders of the        Holders of 5,503,193 shares
additional        5,503,193 shares of       of pre-emptive right to
shares            common stock have         purchase all additional shares
                  pre-emptive rights,       of common stock (or other
                  together with holders of  securities convertible into
                  214,493 shares of 8%      such stock) which may be
                  Preferred Stock, to       offered for sale for cash,
                  purchase additional       except where such offering is
                  shares of common stock    publicly made at competitive
                  which may be issued.      bidding to or through
                                            underwriters or investment
                                            bankers.

Case Details

Case Name: Fidelity Union Trust Co. v. Cory
Court Name: New Jersey Superior Court Appellate Division
Date Published: Jun 20, 1950
Citations: 74 A.2d 360; 9 N.J. Super. 308
Court Abbreviation: N.J. Super. Ct. App. Div.
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