Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
December 31, 2017

      Momentum from 2017 will serve as a solid foundation as we move into 2018. Bank of Kirksville assets are on a strong growing trend, asset quality is better than most with manageable delinquencies in the loan portfolio and new customers are routinely entering our locations which allows new relationships to begin. These items serve as testimony to the fact that Bank of Kirksville is the strongest independent bank in Northeast Missouri! With eight locations in six communities stretching from Memphis to Moberly, our commitment to the people, businesses and communities in our rural corner of Northern Missouri is strongly evident.

      Messages in 2017 spoke routinely of the strong growth seen in our local communities. However, we must remember to neither focus solely on where we are going nor forget how we arrived where we are today. In fact, it is perhaps most important that we remember where we came from.

      Bank of Kirksville, like most banks, utilizes modern equipment and internet based technology to be as efficient and timely as possible. This serves us well in an age of instant gratification, but with over 100 years of experience, we know that success is built one relationship at a time. While we will never again see the days when business was done on a promise and a handshake, by getting to know our customers we strive to deliver a “mom and pop” experience while developing relationships they can appreciate and rely on!

      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, 2017




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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