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Company Overview
St. Joseph Capital Corporation is an American-based bank holding company for St. Joseph Capital Bank, a full-service commercial banking institution engaged in the provision of banking products and services, including credit, cash management and deposits to executives and professionals and small-to medium-sized businesses. St. Joseph Capital is headquartered in Mishawaka, Indiana.
St. Joseph Capital Group’s principal activity is to provide commercial banking services to individuals and local businesses located in Northern Indiana communities and certain Michigan communities. The lending and deposit services of the group include checking accounts, money market, savings, time deposits and consumer, commercial and mortgage loans. Its other services include credit cards, cashiers checks, traveler’s checks, deposits and assets management and automated teller access. St. Joseph Capital’s market area encompasses a substantial portion of the Indiana communities of Mishawaka, South Bend, Notre Dame, Granger, Elkhart, Goshen, Bristol, Middlebury, Osceola, Nappanee, Wakarusa, Michigan City, and LaPorte, as well as certain Michigan communities, including Niles, Edwardsburg, and Cassopolis, this region often referred to as Michiana.
Business Summary
Bank Holding & Holding Company
Description and history
St. Joseph Capital Corporation (the Company) is a bank holding company that owns St. Joseph Capital Bank (the Bank), a full-service commercial banking institution headquartered in Mishawaka, Indiana with a full service banking center located in Elkhart, Indiana. The Bank provides a broad range of banking products and services, including credit, cash management and deposits to its targeted client base of executives and professionals and small- to medium-sized businesses.

The bank accepts checking accounts, money market accounts, savings accounts, and time deposits. It also offers commercial loans, including lines of credit to finance accounts receivable and inventory, term loans to finance machinery and equipment, and commercial mortgages to finance land and buildings; personal loans, such as loans for purchases of automobiles, boats, and other recreational vehicles, as well as loans for home improvements, education, and personal investments; and residential mortgage loans.

In addition, the bank provides credit cards, cashier s checks, traveler s checks, automated teller access, courier service program, an ATM/debit card product, the postage paid bank-by-mail program, telephone banking, and Internet banking. It offers its products and services to executives and professionals, and small- to medium-sized businesses in Indiana communities of Mishawaka, South Bend, Notre Dame, Granger, Elkhart, Goshen, Osceola, and Middlebury, as well as Michigan communities of Niles, Edwardsburg, and Cassopolis. The bank invests in U.S.government and federal agencies securities, obligations of states and political subdivisions, corporate bonds, mortgage-backed securities, and marketable equity securities.

Since February 2003 the common stock of the Company has been quoted on the Nasdaq Capital Market under the symbol SJOE.

On January 31, 2007, St. Joseph Capital Corporation (“St. Joseph”) and Old National Bancorp (“Old National”) closed the previously announced merger of St. Joseph and SMS Subsidiary, Inc. (“SMS Subsidiary”), a wholly owned subsidiary of Old National Bancorp (“Old National”).

Business Line
Bank holding company for St. Joseph Capital Bank


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