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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