The Jolly Banker
Woody Guthrie Lyrics


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My name is Tom Cranker and I'm a jolly banker,
I'm a Jolly banker, jolly banker am I.
I safeguard the farmers and widows and orphans,
Singin' I'm a jolly banker, jolly banker am I.

When dust storms are sailing, and crops they are failing,
I'm a Jolly banker, Jolly banker am I.
I check up your shortage and bring down your mortgage,
Singin' I'm a jolly banker, jolly banker am I.

When money you're needing, and mouths you are feeding,
I'm a jolly banker, jolly banker am I.
I'll plaster your home with a furniture loan,
Singin' I'm a jolly banker, jolly banker am I.

If you show me you need it, I'll let you have credit,
I'm a Jolly banker, jolly banker am I.
Just bring me back two for the one I lend you,
Singin' I'm jolly banker, jolly banker am I.

When the bugs get your cotton, the times they are rotten,
I'm jolly banker, jolly banker am I.
I'll come down and help you, I'll rake you and scalp you,
Singin' I'm jolly banker jolly banker am I.

When the landlords abuse you, or sadly misuse you,
I'm a jolly banker, Jolly banker am I.




I'll send down the police chief to keep you from mischief,
Singin' I'm jolly banker, jolly banker am I.

Overall Meaning

The lyrics to Woody Guthrie's "Jolly Banker" seem to be from the perspective of a proud and helpful banker named Tom Cranker. He calls himself a "jolly banker" and proudly declares his role in safeguarding the farmers and widows and orphans. He assures that in times of dust storms and failing crops, he is there to check up on their financial situation and make sure their mortgage is manageable. When people are in need of money and are struggling to feed their families, Tom Cranker is there to offer a furniture loan, and he invites people to take credit as long as they pay him back.


The chorus reinforces his jolly demeanor and willingness to help those in need. Even when times are tough and the bugs have destroyed the crops, Tom Cranker comes down to help and declares himself as the jolliest of bankers. He even promises to send the police chief to keep people safe from abusive landlords.


Though the lyrics may seem too good to be true, Guthrie is known for his political commentary and satire. It is possible that the song is a parody of the way bankers and the government were supposed to help the people during the Great Depression but instead capitalized on their misfortunes. Overall, "Jolly Banker" seems to be a statement on the false promises and illusions of hope that were being sold to the people during a time of crisis.


Line by Line Meaning

My name is Tom Cranker and I'm a jolly banker,
Tom Cranker is enthusiastic about banking and has a cheerful disposition.


I'm a Jolly banker, jolly banker am I.
Tom Cranker is very proud to be a banker and believes that he does an excellent job.


I safeguard the farmers and widows and orphans,
Tom Cranker ensures farmers and disadvantaged people are protected by the bank.


Singin' I'm a jolly banker, jolly banker am I.
Tom Cranker is quite happy with his job and likes to sing about it.


When dust storms are sailing, and crops they are failing,
When poor conditions cause crop failure, the bank will help.


I'm a Jolly banker, Jolly banker am I.
Tom Cranker always tries to be positive, even during tough financial times.


I check up your shortage and bring down your mortgage,
Tom Cranker will help you to reduce your mortgage when necessary.


Singin' I'm a jolly banker, jolly banker am I.
Tom Cranker enjoys singing and being positive about his work.


When money you're needing, and mouths you are feeding,
When you need financial help, especially for basic necessities, the bank can assist.


I'm a jolly banker, jolly banker am I.
Tom Cranker is always cheerful, even when discussing serious financial issues.


I'll plaster your home with a furniture loan,
Tom Cranker will loan you money to purchase furniture and help you improve your home.


Singin' I'm a jolly banker, jolly banker am I.
Tom Cranker loves being a banker and actively promotes his job.


If you show me you need it, I'll let you have credit,
If you provide evidence of your financial struggles, the bank may grant you a loan.


I'm a Jolly banker, jolly banker am I.
Tom Cranker is happy with the work he does and genuinely wants to assist people.


Just bring me back two for the one I lend you,
Tom Cranker will lend you money but expects twice the amount in return.


Singin' I'm jolly banker, jolly banker am I.
Tom Cranker enjoys being a banker and is always enthusiastic about his job.


When the bugs get your cotton, the times they are rotten,
When circumstances beyond your control create issues with your financial situation, such as crop destruction from pests.


I'm jolly banker, jolly banker am I.
Tom Cranker stays positive even during tough times.


I'll come down and help you, I'll rake you and scalp you,
The bank will assist you, but it will not be as straightforward as receiving financial assistance.


Singin' I'm jolly banker jolly banker am I.
Tom Cranker believes banking is an excellent job and continually sings about it.


When the landlords abuse you, or sadly misuse you,
If landlords exploit or mistreat you, the bank will intervene.


I'm a jolly banker, Jolly banker am I.
Tom Cranker enjoys working as a banker and is proud of his job.


I'll send down the police chief to keep you from mischief,
The bank will ask the police to intervene if people cause issues with their money and create disorder.


Singin' I'm jolly banker, jolly banker am I.
Tom Cranker is always enthusiastic about his job, even when dealing with tough financial matters.




Lyrics © Warner/Chappell Music, Inc., BMG RIGHTS MANAGEMENT US, LLC
Written by: WOODY GUTHRIE

Lyrics Licensed & Provided by LyricFind
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