majority">BROADDUS, J.

This suit was begun in a justice ’s court upon the following statement:

“ Plaintiff for his cause of action states that on Jan.. 19, 1886, defendant executed and delivered to him for *189valuable consideration a cbeck of that date for $200 drawn by defendant in favor of plaintiff on the Citizens’ National Bank of Kansas City, Mo., which check is hereto attached and made a part hereof; that plaintiff presented said check to said bank for payment and payment was refused; that said bank refused to pay said check because so instructed by defendant; that at all the times above mentioned defendant was a resident of the state of Missouri, but that for the past ten years, defendant has been a resident of the state of California,” etc.

The check referred to is as follows: “K. C., Mo., Jan. 19th, 1886. Cit. Nat’l Bk. Pay to Geo. R. Nelson or order two hundred dollars. John Kastle.”

The endorsement were as follows: ‘ ‘ G. R. Nelson, Citizens Nat’l Bank of Kansas City, for credit account of William W. Kendall Boot & Shoe Co. C. Marshall, Treas.”

On the eighteenth of June, 1888, the check was presented to said bank and protested for non-payment, the certificate of the notary reciting demand, refusal to pay, and that the bank made answer that, it had “no funds.” The certificate also recites that written notice of protest was made on John Kastle and G. R. Nelson by delivering the same to said Nelson personally, and also by written notice to the W. W. Kendall Boot & Shoe Co. Defendant objected to this paper, which objection was overruled as to the protest but sustained as to the written notice of protest.

Plaintiff introduced one J. H. Lipscomb, who testified as to the non-residence of the defendant. He was asked also to state what he knew as to the defendant having instructed the bank not to pay the check. He answered at first that he knew such to be the fact. He was then questioned as follows: “How do you know it? That is the question we want to know about. If you don’t know it, I want it stricken out from your testimony.” He answered: “Well, I don’t know that.”

*190At the close of plaintiff’s testimony defendant interposed a demurrer to his case which the court overruled. Defendant introduced no evidence and the cause was submitted to the court. No instructions were asked on either side. The finding and judgment were for defendant. The plaintiff contends that the finding of the court was in effect a sustaining of said demurrer to plaintiff’s evidence, but the record shows that said demurrer was overruled. However, as the defendant introduced no evidence it can make little or .no difference as the result in this case would practically be the same.

The rule as to delay by the holder in the presentation of a check as stated in 4 Kent 549, was adopted by the Supreme Court in Morrison v. McCartney, 30 Mo. 183. It is this: “The drawer of a check is not a surety but the principal debtor as much as the maker of a. promissory note. The check is the acknowledgment of a certain sum due. It is an absolute appropriation of so much money in the hands of his banker to the holder of the check, and there it ought to remain until called for; and unless the drawer actually suffers by the delay, as by the intermediate failure of his banker, he has no reason to complain of delay not unreasonably protracted. If the holder does so unreasonably delay, he assumes the risk of the drawee’s failure, and he may, under circumstances, be deemed to have made the check his own to the discharge of the drawer.” Graham’s Exr. v. Morstadt, 40 Mo. App. 333.

But the burden is on the holder to show that the drawer has not suffered loss from the failure to make presentment. Tiedeman on Com. Paper, section 442. There is no evidence whatever as to whether defendant was or was not injured by the delay in the presentment of said check unless it be the recitation in the notarial protest that payment was refused for want of funds.

In 2 Daniels on Neg. Inst., section 966, the rule of law as to the competency of such evidence is stated as *191follows: “The certificate of'protest is not evidence of any collateral facts which may have been stated in it. Thus, if it state that the reason given by the drawee for non-acceptance was that he had no effects or' funds of the drawer, it is no evidence of the want of effects or funds.” Section 463, Revised Statutes 1899 is as follows: “A notarial protest is evidence of a demand and refusal to pay a bill of exchange or a negotiable promissory note at the time and in the manner stated in such protest.”

The statute only makes such protest evidence of two things, viz: demand and refusal to pay at the time and in the manner stated. The statute does not make a statement of a notary why payment is refused, evidence. We can find no authority to that effect. Consequently, we are without any authority to so hold. And therefore there is no evidence that defendant was not injured by the delay in presentation of the check.

As there was no evidence that defendant had removed his funds from the bank, plaintiff was not entitled to recover. The statement of Mr. Lipscomb is not to be construed as such, as he stated he had no such knowledge. Affirmed.

All concur.

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