Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
June 30, 2015

      As Third Quarter 2015 begins, we continue to ride the wave of momentum generated last year when we celebrated our 100th anniversary. Loan quality remains at an adequate level, loan demand is seasonal with some influence coming from pending interest rate increases and deposits are responding to the current market as anticipated.

      In 2014 it was generally believed that the FOMC would increase the federal funds and discount rate around mid-year 2015. Due to information contained in economic indicator reports, the FOMC has elected to delay the increase until a later time. It is uncertain when that might happen.

      Although it is inevitable that interest rates will change, the commitment from our employees to our customers will not! With more than six hundred years of combined banking experience our staff is fully committed to delivering a positive experience when assisting our customers. Take comfort in knowing that there are few situations or problems we have not experienced and dealt with. In those rare instances when something does arise which we’ve not seen before, have confidence that knowledge gained from our job duties will aid us when determining the best course of action to handle the situation.


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
June 30, 2015




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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