Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
December 31, 2014

      Bank of Kirksville has for more than 100 years conducted business in a manner guided by those traits generally used to describe a community bank.

      Community banks are known for their focus on traditional activities: If you are looking for complex investment options or loans which deviate from a traditional down payment and call for special financing terms, then we will not meet your needs. However, if you need a modern account, loan product or simply someone you can trust, Bank of Kirksville delivers on those needs daily and does so very well.

      Community banks are known for mainly conducting lending and deposit gathering activities within a fairly limited market area: While asset size has grown dramatically and our physical presence has expanded outside the City of Kirksville, Bank of Kirksville conducts routine business on a daily basis in the following five counties of Northeast Missouri with no location more than an hour drive: Adair, Scotland, Schuyler, Macon and Randolph.

      Community banks are relationship lenders, which rely to a significant degree on specialized knowledge gained through long-term business relationships: Many customers got their start with Bank of Kirksville when others had doubts and said no. Most customers have grown and prospered with assistance from Bank of Kirksville and know that we are here to do what we can if a need comes along.

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
December 31, 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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