Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
December 31, 2016

      As we drift into 2017, all seems quiet and routine. Even the recent increase in interest rates and suggestion of more of the same has not sparked much discussion as people continue with their daily lives.

      On January 20, 2017 change will take place. On this date president elect Trump will be sworn in as the 45th President of the United States, making him Commander and Chief of the greatest nation in the world. President Trump has suggested both swift and dramatic changes with the momentum generated by his campaign serving as the launching point for his mission to “Make America Great Again.” Conversation reveals a desire that the new president and administration demonstrate that history does have a way of repeating itself when focus and commitment are accurate and sustained.

      Bank of Kirksville opened its door in 1914 and ever since history has repeated itself as we focus on our mission and commitment to deliver high quality service and meaningful products to the communities and people of Northeast Missouri. Daily and routinely the staff at Bank of Kirksville assesses questions, situations and problems to determine needs and desires in order to provide the most appropriate and meaningful solutions. This pledge to the highest standards is what supports our position as the top locally owned community bank in Northeast Missouri.

      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
December 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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