Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
March 31, 2016

      This year has already been a year filled with uncertainty, forward movement followed by retreat, and reductions followed by gains. Oil prices remain inconsistent, certain grain prices appear to be improving while local cattle farmers see significant income reduction over last year and the Federal Open Market Committee (FOMC) struggles to find traction and reason for consistent interest rate increases.

      Perhaps the impending presidential election and the likely candidates have people concerned about the possible direction of our county and where it might lead.

      Regardless of what is happening at the national and international levels, Bank of Kirksville focuses on what is happening in the local communities of Northeast Missouri and remains committed to everyone in our trade area. As a community bank we know our best investments are those loans and deposit relationships made to our friends and neighbors. This business strategy has served us well for more than one hundred years and developed a balance sheet filled with strong performing assets and capital to fund more of the same as opportunity allows.

      When you find yourself needing a bank with long and committed ties to your community, think Bank of Kirksville!

100 Years

      Bank of Kirkville, 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
March 31, 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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