Bank of Kirksville in Kirksville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Kirksville - Overview

  • General
  • FDIC Certificate #: 1635
    Status: Active
    Federal Reserve ID: 796451
    Bank Holding Company (Regulatory Top Holder): Rockhold Bancorp (RSSDID: 2352280, Location: Kirksville, MO)
    Date Established: January 01, 1913
    WWW: http://www.bankofkirksville.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 1072
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 214 South Franklin Street, Kirksville, MO 63501
    County: Adair
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Kirksville, MO (#28860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $507.8 mil
    Equity capital: $45.0 mil
    Deposits held in domestic offices: $420.8 mil
    Return on assets (ROA): 1.73% ($8.8 mil)
    Quarterly return on assets: 0.86% ($4.4 mil)
    Return on Equity (ROE): 19.34% ($8.7 mil)
    Quarterly return on equity: 9.39% ($4.2 mil)
    Net income: $8.2 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.73% ($8,784.1 mil)
    Quarterly Pretax return on assets: 0.86% ($4,366.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 97Total employees (full-time equivalent)
  • $507,754Total assets
  • $11,751Cash and due from depository institutions
  • $9,125Interest-bearing balances
  • $212,011Securities
  • $57,381Federal funds sold & reverse repurchase agreements
  • $214,017Net loans & leases
  • $3,328Loan loss allowance
  • $0Trading account assets
  • $7,569Bank premises and fixed assets
  • $1,175Other real estate owned
  • $512Goodwill and other intangibles
  • $507,754Life insurance assets
  • $3,338All other assets
  • $462,799Total liabilities and capital
  • $420,766Total liabilities
  • $370,605Total deposits
  • $420,766Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 41642.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $391Subordinated debt
  • $44,955All other liabilities
  • $44,955Total equity capital
  • $44,955Total bank equity capital
  • $0Perpetual preferred stock
  • $518Common stock
  • $1,000Surplus
  • $43,437Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,808Income earned, not collected on loans
  • $0Earning assets
  • $1,946Long-term assets (5+ years)
  • $492,534Average Assets, year-to-date
  • $57,727Average Assets, quarterly
  • $472,468Volatile liabilities
  • $495,316Insider loans
  • $209,084FHLB advances
  • $487,207Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $42,948Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,669Restructured Loans and leases
  • $66Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,755Total interest income
  • $5,436Total interest expense
  • $9,319Net interest income
  • $1,350Provision for loan and lease losses
  • $1,254Total noninterest income
  • $0Fiduciary activities
  • $989Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $6,559Total noninterest expense
  • $3,192Salaries and employee benefits
  • $1,090Premises and equipment expense
  • $2,277Additional noninterest expense
  • $2,664Pre-tax net operating income
  • $5,525Securities gains (losses)
  • $0Applicable income taxes
  • $8,189Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,189Net income attributable to bank
  • $0Net charge-offs
  • $8,189Cash dividends
  • $1,823Sale, conversion, retirement of capital stock, net
  • $5,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.23%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 2.04%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.43%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 19.34%Return on equity (ROE)
  • 7.53%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 74.05%Credit loss provision to net charge-offs
  • 2.20%Efficiency ratio
  • 62,035Assets per employee
  • 5.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.06%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 87.39%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 50.86%Net loans and leases to core deposits
  • 55.88%Equity capital to assets
  • 8.85%Core capital (leverage) ratio
  • 8.82%Tier 1 risk-based capital ratio
  • 20.54%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $472,468Average earning assets
  • $42,331Average equity
  • $457,117Average loans

List of branches

  • 8 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01072Bank Of Kirksville214 South Franklin Street, Kirksville, MO 63501January 01, 1913Full Service Brick and Mortar
    1189927Drive-In BranchHighways 6 And 63 North, Kirksville, MO 63501April 16, 1973Full Service Brick and Mortar
    2189928Bank Of Memphis - A Division Of Bank124 North Clay, Memphis, MO 63555November 01, 1992Full Service Brick and Mortar
    31318Bank Of Downing, A Division Of Bank Of KirksvilleHwy 136 East, Downing, MO 63536January 01, 1930Full Service Brick and Mortar
    4189929Wal-Mart Supercenter Branch2206 North Baltimore, Kirksville, MO 63501December 09, 1999Full Service Retail
    6441005Bank Of Macon-A Division Of Bank Of1512 North Missouri, Macon, MO 63552June 07, 2005Full Service Brick and Mortar
    7442542Bank Of La Plata-A Division Of Bank1200 North Brown, La Plata, MO 63549December 27, 2004Full Service Brick and Mortar
    8455792Bank Of Moberly, A Division Of Bank Of Kirksville1324 Highway 24 East, Moberly, MO 65270October 16, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Kirksville.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents