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Profile - St Joseph Capital Corp. (OTC BB:SJOE.OB)
As of 31-Aug-2001
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Location
3820 Edison Lakes Parkway
Mishawaka, IN 46545
Phone: (219) 273-9700
Fax: (219) 273-0791
Email: epooley@sjcb.com
Employees (last reported count): 38
Financial Links
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 22%
·Institutional: 5% (6% of float)
(3 institutions)
·Net Inst. Buying: 33.0K shares (+28.20%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
St. Joseph Capital Corporation is a bank holding company that owns the St. Joseph Capital Bank (the bank), a full-service commercial banking institution located in Mishawaka, Indiana. The bank provides a broad range of banking products and services, including credit, cash management, deposit and asset management, to its targeted client base of executive and professionals and small to medium-sized businesses. The bank's market area encompasses a substantial portion of the Indiana communities of Mishawaka, South Bend, Notre Dame, Granger, Osceola and Elkhart, as well as certain Michigan communities, including Niles, Edwardsburg and Cassopolis. The bank offers a broad range of deposit services, including checking accounts, money market accounts, savings accounts and time deposits of various types, as well as a full range of short- to intermediate-term personal and commercial loans.
More from Market Guide: Expanded Business Description

Financial Summary
St. Joseph Capital Corp. is a bank holding company that owns the St. Joseph Bank, a full-service commercial banking institution. For the six months ended 6/30/01, total interest income rose 28% to $6.4 million. Net interest income after loan loss provision rose 35% to $2.6 million. Earnings rose 34% to $624 thousand. Net interest income reflects higher interest earning assets and increased interest margins. Earnings reflect a gain on the sales and calls of securities.
More from Market Guide: Significant Developments

Officers
John W. Rosenthal, Chmn./CEO/Pres.
Edward R. Pooley, CFO/Sr. VP/Secy.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:SJOE.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 4-Jan-2001
$9.125
Recent Price$13.00 
52-Week High
on 6-Feb-2001
$17.50 
Daily Volume (3-month avg)409 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y]
52-Week Change-11.9%
52-Week Change
relative to S&P500
+18.2%
Share-Related Items
Market Capitalization$21.8M
Shares Outstanding1.68M
Float1.30M
Dividends & Splits
Annual Dividendnone 
Last Splitnone 
Per-Share Data
Book Value (mrq)$11.53 
Earnings (ttm)$0.70 
Earnings (mrq)$0.19 
Sales (ttm)$7.37 
Cash (mrq)$7.60 
Valuation Ratios
Price/Book (mrq)1.13 
Price/Earnings (ttm)18.60 
Price/Sales (ttm)1.76 
Income Statements
Sales (ttm)$12.5M
EBITDAN/A 
Income available to common (ttm)$1.18M
Profitability
Profit Margin (ttm)9.5%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.67%
Return on Equity (ttm)6.41%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$12.7M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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