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

This bank is inactive as of September 07, 1993

  • First National Bank of Kirksville in Kirksville, Missouri (MO)
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First National Bank of Kirksville - Overview

  • General
  • FDIC Certificate #: 4544
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank Midwest, National Association (#1420)
    Federal Reserve ID: 858658
    Date Established: December 30, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Interstate: No)
    OTS Docket #: 10338
    FDIC's unique #: 3007
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 07, 1993
    Last Structure Change Process Date: September 14, 1993
    Last Data Update: September 14, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 North Elson 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
  • Financial Summary
  • Total assets: $213.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $87Total assets
  • $217,311Cash and due from depository institutions
  • $16,654Interest-bearing balances
  • $10,016Securities
  • $42,428Federal funds sold & reverse repurchase agreements
  • $14,120Net loans & leases
  • $137,331Loan loss allowance
  • $2,434Trading account assets
  • $0Bank premises and fixed assets
  • $2,072Other real estate owned
  • $2,291Goodwill and other intangibles
  • $2,151Life insurance assets
  • $264All other assets
  • $0Total liabilities and capital
  • $217,311Total liabilities
  • $202,388Total deposits
  • $200,163Interest-bearing deposits
  • $182,898Deposits held in domestic offices
  • 200163.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $569Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,656Total equity capital
  • $1,656Total bank equity capital
  • $14,923Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $5,903Undivided profits
  • Memoranda
  • $8,620Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,690Income earned, not collected on loans
  • $1,288Earning assets
  • $203,895Long-term assets (5+ years)
  • $51,939Average Assets, year-to-date
  • $196,819Average Assets, quarterly
  • $215,237Volatile liabilities
  • $7,169Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,185Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,659Total risk weighted assets
  • $156,019Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $20,062Total interest expense
  • $8,410Net interest income
  • $11,652Provision for loan and lease losses
  • $855Total noninterest income
  • $1,335Fiduciary activities
  • $0Service charges on deposit accounts
  • $446Trading account gains & fees
  • $0Additional noninterest income
  • $889Total noninterest expense
  • $4,066Salaries and employee benefits
  • $1,449Premises and equipment expense
  • $520Additional noninterest expense
  • $2,097Pre-tax net operating income
  • $8,066Securities gains (losses)
  • $2,302Applicable income taxes
  • $3,955Income before extraordinary items
  • $6,413Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,413Net charge-offs
  • -$290Cash dividends
  • $3,300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.88%Cost of funding earning assets
  • 4.56%Net interest margin
  • 6.32%Noninterest income to earning assets
  • 0.72%Noninterest expense to earning assets
  • 2.21%Net operating income to assets
  • 2.51%Return on assets (ROA)
  • 3.26%Pretax return on assets
  • 5.27%Return on equity (ROE)
  • 47.62%Retained earnings to average equity (YTD only)
  • 23.12%Net charge-offs to loans
  • -0.23%Credit loss provision to net charge-offs
  • -294.83%Efficiency ratio
  • 30,022Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.46%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 90.48%Noncurrent assets plus other real estate owned to assets
  • 2.29%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 68.61%Net loans and leases to core deposits
  • 70.95%Equity capital to assets
  • 6.87%Core capital (leverage) ratio
  • 6.67%Tier 1 risk-based capital ratio
  • 9.40%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $196,819Average earning assets
  • $13,467Average equity
  • $184,323Average loans

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