Message from the CEO            Statement Of Condition            About Us

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Message from the CEO
March 31, 2017

      The excitement of the 2016 U.S. Presidential election and the inauguration of the 45th President of the United States of America, President Donald Trump, are complete so the country can now return to normal daily routine as the new administration works on its mission to “Make America Great Again.”

      While it may be difficult to notice forward progress at the national level, Kirksville is in the midst of its own economic surge. Major expansion to a local factory, two new hotels are pushing closer to completion, a large retailer will soon begin construction of the building which will house its arts and crafts focused business and stated information indicates that a building materials and home products retailer has Kirksville as the next project to begin on their expansion list. Couple these items with the fact that local contractors are busy with work from the simplest remodel or renovation to large and complex projects and it becomes quickly evident that things are looking up on the economic development level. Who knows how many jobs will be created and what that means in terms of dollars into our local community, but things look good on the horizon!

      As our community grows, so does the need for sound banking. With a history dating back to 1914, the strength of Bank of Kirksville has been there in the past and will continue to grow as our community grows.

      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
March 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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