Bank of Kirksville in city_name, state_name - Detailed Financial Reports, Location

Bank of Kirksville in Kirksville, Missouri (MO)
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Bank of Kirksville routing number info

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

No	ID	Name	Address	Established	Service Type
0	1072	Bank Of Kirksville	214 South Franklin Street, Kirksville, MO 63501	January 01, 1913	Full Service Brick and Mortar
1	189927	Drive-In Branch	Highways 6 And 63 North, Kirksville, MO 63501	April 16, 1973	Full Service Brick and Mortar
2	189928	Bank Of Memphis - A Division Of Bank	124 North Clay, Memphis, MO 63555	November 01, 1992	Full Service Brick and Mortar
3	1318	Bank Of Downing, A Division Of Bank Of Kirksville	Hwy 136 East, Downing, MO 63536	January 01, 1930	Full Service Brick and Mortar
4	189929	Wal-Mart Supercenter Branch	2206 North Baltimore, Kirksville, MO 63501	December 09, 1999	Full Service Retail
6	441005	Bank Of Macon-A Division Of Bank Of	1512 North Missouri, Macon, MO 63552	June 07, 2005	Full Service Brick and Mortar
7	442542	Bank Of La Plata-A Division Of Bank	1200 North Brown, La Plata, MO 63549	December 27, 2004	Full Service Brick and Mortar
8	455792	Bank Of Moberly, A Division Of Bank Of Kirksville	1324 Highway 24 East, Moberly, MO 65270	October 16, 2006	Full Service Brick and Mortar

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

Bank of Kirksville - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Bank of Kirksville - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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