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
    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

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