EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT
Capitol Bancorp Ltd.
December 31, 2004
Page 1 of 2
| State or Other | ||
| Jurisdiction | ||
| Name of Subsidiary | of Incorporation | |
Consolidated Subsidiaries: | ||
| Ann Arbor Commerce Bank | Michigan | |
| Brighton Commerce Bank | Michigan | |
| Capitol National Bank | United States (national bank) | |
| Detroit Commerce Bank | Michigan | |
| Elkhart Community Bank | Indiana | |
| First Carolina State Bank | North Carolina | |
| Goshen Community Bank | Indiana | |
| Grand Haven Bank | Michigan | |
| Kent Commerce Bank | Michigan | |
| Macomb Community Bank | Michigan | |
| Muskegon Commerce Bank | Michigan | |
| Oakland Commerce Bank | Michigan | |
| Paragon Bank & Trust | Michigan | |
| Portage Commerce Bank | Michigan | |
| Arrowhead Community Bank | Arizona | |
| Bank of Las Vegas (51% owned) | Nevada | |
| Bank of Tucson | Arizona | |
| Black Mountain Community Bank | Nevada | |
| Camelback Community Bank | Arizona | |
| Desert Community Bank | Nevada | |
| East Valley Community Bank | Arizona | |
| Mesa Bank | Arizona | |
| Napa Community Bank (51% owned) | California | |
| Red Rock Community Bank | Nevada | |
| Southern Arizona Community Bank | Arizona | |
| Sunrise Bank of Albuquerque | New Mexico | |
| Sunrise Bank of Arizona | Arizona | |
| Sunrise Bank of San Diego | California | |
| Valley First Community Bank | Arizona | |
| Yuma Community Bank | Arizona | |
| First California Southern Bancorp (51% owned): | California | |
| Bank of Escondido | ||
| (51% owned by First California Southern Bancorp) | California | |
| Point Loma Community Bank | ||
| (51% owned by First California Southern Bancorp) | California |
EXHIBIT 21
SUBSIDIARIES OF THE REGISTRANT – continued:
Capitol Bancorp Ltd.
December 31, 2004
Page 2 of 2
| State or Other | ||
| Jurisdiction | ||
| Name of Subsidiary | of Incorporation | |
Consolidated Subsidiaries - continued: | ||
| Capitol Trust I | Delaware | |
| Capitol Trust II | Delaware | |
| Capitol Statutory Trust III | Connecticut | |
| Capitol Trust IV | Delaware | |
| Capitol Trust VI | Delaware | |
| Capitol Trust VII | Delaware | |
| Capitol Statutory Trust VIII | Connecticut | |
| Capitol Trust IX | Delaware | |
| Capitol Development Bancorp Limited I | Michigan | |
| Capitol Development Bancorp Limited II | Michigan | |
| Capitol Capital, LLC | Michigan | |
Unconsolidated Subsidiary: | ||
| Amera Mortgage Corporation, Inc. | Michigan | |
| (less than 50% owned equity method investee) | ||
Inactive subsidiaries: | ||
| MOI, Inc. | Michigan | |
| (wholly-owned subsidiary of | ||
| Oakland Commerce Bank) | ||
| Financial Center Corporation | Michigan | |
| C.B. Services, Inc. | Michigan |
The following summarizes regulatory agencies of the registrant and its subsidiaries:
The Corporation’s state-chartered banks located in Michigan are regulated by the Office of Financial and Insurance Services, Department of Consumer & Industry Services of the State of Michigan. Capitol National Bank, as a national bank, is regulated by the Office of the Comptroller of the Currency. Bank subsidiaries located in the states of Arizona, Nevada, New Mexico, North Carolina, Indiana and California are state-chartered and are regulated by banking agencies of each of those states. Each of the banking subsidiaries which are not members of the Federal Reserve System, as federally-insured depository institutions, are also regulated by the Federal Deposit Insurance Corporation. Elkhart Community Bank and Goshen Community Bank are members of the Federal Reserve System and, accordingly, are regulated by the Federal Reserve Board. As a bank holding company, Capitol Bancorp Ltd. is regulated by the Federal Reserve Board, which also regulates its nonbanking subsidiaries. First California Southern Bancorp is also regulated by the Federal Reserve Board. In addition to the bank regulatory agencies, the registrant and its subsidiaries are subject to regulation by other state and federal agencies.