Plot Analysis Summary
A bank teller's marriage plans and unexpected betting fortune become entangled with a bank audit, mistaken suspicions, and attempts to protect one another.
Story Structure — 4 Plot Phases
A Raise and a Rescue
Johnny's denied raise strains his marriage plans with Mibs, while Emile urges him to take a chance. Johnny intervenes in an alley attack and earns Harris's gratitude.
Key Events
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Johnny Requests a Raise — Johnny asks his boss for a raise to make marriage with Mibs affordable; the request is denied. Characters: Johnny Dalton, J.L. McKissack
Location: California Fidelity Trust
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Mibs Accepts Marriage Anyway — Mibs wants to marry Johnny despite his lack of a raise. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: California Fidelity Trust
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Emile Urges a Gamble — Emile encourages Johnny to take a chance and jokes that he could rob his bank. Characters: Johnny Dalton, Emile J. Keck
Location: Italian restaurant
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Mibs Rejects the Delay — Johnny insists on waiting until they can afford marriage, and Mibs becomes enraged. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: Italian restaurant
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Johnny Intervenes in Alley — Johnny sees two men attacking Harris and intervenes. Characters: Johnny Dalton, 'Hot Horse' Harris, the Bookie
Location: Alley
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Harris Offers a Loan — Harris gives Johnny $1,000 in gratitude, but Johnny accepts it only as a loan. Characters: Johnny Dalton, 'Hot Horse' Harris, the Bookie
Location: Alley
Winnings Under Suspicion
Harris's bets turn Johnny's loan into a large illegal fortune. When auditors discover a bank shortfall, Johnny fears the winnings will make him look guilty.
Key Events
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Harris Offers a Loan — Harris gives Johnny $1,000 in gratitude, but Johnny accepts it only as a loan. Characters: Johnny Dalton, 'Hot Horse' Harris, the Bookie
Location: Alley
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First Fixed-Race Bet Wins — Harris bets the money on a fixed race and Johnny retains $5,000 from the winnings. Characters: Johnny Dalton, 'Hot Horse' Harris, the Bookie
Location: Bookie joint
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Winnings Reach Sixty Thousand — Two more winning bets bring Johnny's total to $60,000; Harris says he can pay the remaining amount the next day. Characters: Johnny Dalton, 'Hot Horse' Harris, the Bookie
Location: Bookie joint
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Emile Misreads the Fortune — Johnny tells Emile the good news, but Emile believes Johnny followed his bank-robbery joke. Characters: Johnny Dalton, Emile J. Keck
Location: Italian restaurant
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Auditors Find a Shortfall — Auditors discover $75,000 missing, making Johnny fear that he will be suspected. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: California Fidelity Trust
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Johnny Asks Emile for Help — Fearing suspicion, Johnny enlists Emile to help hide the money. Characters: Johnny Dalton, Emile J. Keck
Location: Unspecified
A Desperate Cover
Mibs doubts Johnny and tries to shield him by offering money to Bob, who contacts the police instead. Emile redeposits funds under a millionaire disguise and attracts R.B.'s attention.
Key Events
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Mibs Distrusts Johnny's Account — Mibs does not believe Johnny's explanation about the money. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: Johnny's apartment
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Twenty Thousand Arrives — The remaining $20,000 Harris owes Johnny is tossed through the apartment door while Mibs is alone. Characters: Mildred 'Mibs' Goodhue
Location: Johnny's apartment
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Mibs Appeals to Bob — Believing Johnny stole the money, Mibs offers Bob the cash in exchange for keeping police uninformed. Characters: Mildred 'Mibs' Goodhue, R.B. 'Bob' Pulsifer Jr.
Location: Unspecified
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Bob Calls the Police — Bob phones the police instead of honoring Mibs's request. Characters: R.B. 'Bob' Pulsifer Jr., Mildred 'Mibs' Goodhue
Location: Unspecified
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Emile Re-deposits Funds — Emile poses as a millionaire and redeposits the remaining funds at Johnny's bank. Characters: Emile J. Keck, Johnny Dalton
Location: California Fidelity Trust
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R.B. Meets the Millionaire — R.B. seeks a meeting with Emile, hoping for a charity donation, and finds him refreshing. Characters: Emile J. Keck, R.B. Pulsifer Sr.
Location: California Fidelity Trust
Arrest and Discovery
Mibs and Johnny are caught while trying to leave for Mexico, and Mibs is arrested after auditors trace the shortfall to her. Johnny discovers her adding machine is malfunctioning, while Mibs mistakenly tells an IRS agent about Johnny's gifts.
Key Events
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Their Friendship Helps Johnny — Emile's friendship with R.B. helps clear Johnny. Characters: Emile J. Keck, R.B. Pulsifer Sr., Johnny Dalton
Location: Unspecified
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Mibs Plans a Mexico Escape — Mibs insists on driving Johnny to Mexico, but they are caught. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: Unspecified
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Police Arrest Mibs — The police know Johnny won the money, but arrest Mibs after auditors trace the $75,000 shortfall to her. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: Unspecified
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Adding Machine Malfunctions — Johnny accidentally discovers that Mibs's adding machine is malfunctioning. Characters: Johnny Dalton, Mildred 'Mibs' Goodhue
Location: Unspecified
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Mibs Speaks to IRS Agent — Mibs tells a man she believes is a reporter about Johnny's expensive gifts, then learns he works for the IRS. Characters: Mildred 'Mibs' Goodhue
Location: Unspecified
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McKissack Loses His Position — McKissack is fired for falsely accusing Johnny and Mibs and takes Emile's waiter job. Characters: J.L. McKissack, Emile J. Keck
Location: Italian restaurant