Fascinating story. The robbery was on 29 March 1889. The following day, a police description of the robber was released as: “Age 32, height 5 feet 8 inches, swarthy complexion, weight 140 pounds, heavy brown moustache, badly sunburned, Derby hat, light-brown overcoat, wears a long-linked plated chain.”
When the bank first opened, this man asked a cashier where he could see the bank president David Moffatt (also president of the Rio Grande Railroad) and was told he was in the railway president’s office in the Cheeseman block.
Later that morning he entered the railway office and asked to see Moffatt on important business. He was admitted to a private room and outlined that he had discovered a conspiracy whereby the First National Bank was to be robbed of a large amount of money.
Moffatt told the man he was too busy to discuss it at the moment but invited him to come to his private office at the bank at 1 o’clock. The man turned up at the bank, introduced himself as “P.M. Wells” (a false name) and asked Moffatt if cashier S.N. Wood was in, but told he was at lunch. He then asked for a blank check with which he would demonstrate how the robbery was going to be perpetrated.
When the check was given to him, he laid it on the desk in front of Moffatt, said “I will have to do this myself," pulled a large revolver out of his coat pocket and held it to Moffatt’s head. He then said [words to the effect of]: "I want $21,000 and I am going to have it. I have considered this matter and the chances I am running and the consequences if I fail and am arrested. I am penniless, and a desperato man, and have been driven, during the past week, to that point where I have considered suicide as the only means of escape from the poverty and misery in which I exist. You have millions, and I am determined to have what I asked for, or your life. If you make a noise, call a man, or ring a bell, I will blow your brains out and then blow up the building and myself with this bottle of glycerine [which he then pulled out of another pocket.] Now take your choice!"
Moffatt began to argue but was told he had two minutes to fill out the check for $21,000 or be shot. Moffatt filled out the check, was marched to a teller’s counter at gunpoint (the gun concealed beneath the man’s coat) and ordered the paying teller, a Mr. Kelly, to get it cashed. Moffatt was then marched back to his office but, after three or four minutes, the man became impatient and ordered Moffatt to summon the teller. Moffatt complied and instructed the teller to bring the money into the office but, as the teller turned back towards his counter, the man added that in addition to bills he wanted $1,000 in gold coin.
After the money was brought, the man left the office, backed out of the bank’s front door onto the sidewalk, raised his hat and disappeared around the corner. Moffatt then raised the alarm (none of the bank employees had noted anything particularly suspicious until then) and a man hurrying down the street pursued by officers was arrested, but released after Moffatt was asked to identify him and said he wasn’t the robber.