Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
September 30, 2016

      Change is coming! The 45th President of the United States of America will be inaugurated into office on January 20, 2017. With the new President comes change. How quickly things will move and how the promises made during the campaign match the priorities and agenda of the incoming administration will become clear over time. Time will also reveal the ultimate impact and effectiveness of the planned changes.

      At the local level we set ready for approaching change. Change in the form of expanded opportunities due to economic growth which is the result of economic development. Expansion of a local factory, construction of two hotels, new retailers, and new service providers coming to the area offer opportunity for employment, additional shopping options for goods and services and should positively impact tax revenue.

      Most people would agree and understand that change can be, and generally is, a good thing, but not always. You will not see a change at Bank of Kirksville in the way we approach our commitment to the people and businesses of Northeast Missouri. Our mission to deliver high quality service and products to our customers from Memphis to Moberly and to everyone in between remains a top priority and point of focus.

      If you are not fully utilizing the resources available at one of our local branches, I invite you to stop in with any questions you might have and learn how we can be a benefit to you.

      Bank of Kirksville, a community bank driven by a “Commitment to Excellence” since 1914.

Best regards,

Norman C. Belitz
Chief Executive Officer

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Statement of Condition
September 30, 2016




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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