Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
September 30, 2014

      Entering the final quarter of our centennial year should not be viewed as the beginning of an end, but rather as the point of beginning for our next 100 years. Fourth quarter momentum will serve as a solid foundation when moving forward with energy and passion to be the Bank of Kirksville which began as the dream and promise of those four founding fathers so long ago.

      We recognize that in a world of instant gratification and diminishing loyalty it is increasingly difficult for businesses to reach any significant age, let alone 100 years. This fact drives us as we focus on working hard to deliver top quality service and products to our friends, neighbors and customers. As stewards of our depositors’ money, a community bank cannot always meet every request or need. Bank of Kirksville however can and always will remain focused on being your independent community bank motivated by customer satisfaction. Independence allows us greater flexibility and the ability to quickly make needed changes in order to meet the needs of our customers.

      Independence supported by strong staff, over $500 million in assets, eight banking locations, a network of 21 ATMs and constant hard work are the tools used daily to meet our customer focused mission.

100 Years

      Bank of Kirkville, a “Commitment to Excellence” since 1914.

Best regards,

Norman C. Belitz
Chief Executive Officer

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Statement of Condition
September 30, 2014




Cash & Due from Banks


Investment Securities-Held to Maturity


Investment Securities-Available for Sale


Other Investments


Federal Funds Sold





      Loans Net of Unearned Income


      Allowance for Loan Losses


Net Loans


Premises and Fixed Assets


Other Real Estate Owned


Other Assets



Total Assets







      Non-Interest Bearing


      Interest Bearing


Total Deposits


Federal Funds Purchased & Securities
    Sold with Agreement to Repurchase


Other Liabilities


Total Liabilities




Stockholders' Equity


Common Stock




Undivided Profits &
    Capital Reserves


Unrealized Gain or Loss on Securities
    Available for Sale


Total Stockholders' Equity


Total Liabilities &
    Stockholders' Equity


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About Us

      The Bank of Kirksville began as the wishful dream of a group of men sitting in the back room of the Adair County Miner's Bank of Connelsville. They dreamed of a bank with friendly service, sound financial advice, and a mission to give back to the community around them. With these ideals in place the Bank of Kirksville was issued a state charter on Christmas Eve, 1913.

      The bank took its first steps when it opened its doors on January 17, 1914 becoming the 5th bank operating in Kirksville. From the beginning, the Bank of Kirksville was closely tied to the surrounding community. The bank has always strived to offer the best service in the area and to evolve with the changing needs of the community. This dedication to our customers is reflected in the tremendous growth that the bank has seen since its inception.

      The first Statement of Condition was published in October of 1914 and showed the total assets to be $214,298.18. By 1923 the bank's total assets had more than tripled totaling $678,644.30. By 1953 when the assets totaled $5,676,490.98 it was clear to everyone that the Bank of Kirksville was the leading bank in the area. Today the bank still holds true to the ideas on which it was founded and continues to grow and expand. In December 2006 the bank's total assets were $415,259,430 and the future only looks brighter.

      Although the bank is continually growing to serve more and more people, you will never have to worry about being just a number. You will always get the benefits of a big city bank with the service of a small town friend.

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