EXHIBIT 21—SUBSIDIARIES OF THE REGISTRANT
Capitol Bancorp Ltd.
December 31, 2005
Capitol Bancorp Ltd.
December 31, 2005
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 | |
| Peoples State Bank (62% owned) | Georgia | |
| Portage Commerce Bank | Michigan | |
| Arrowhead Community Bank | Arizona | |
| Bank of Escondido (51% owned) | California | |
| Bank of Las Vegas | Nevada | |
| Bank of San Francisco (51% owned) | California | |
| Bank of Tucson | Arizona | |
| Black Mountain Community Bank | Nevada | |
| Camelback Community Bank | Arizona | |
| Desert Community Bank | Nevada | |
| East Valley Community Bank | Arizona | |
| Fort Collins Commerce Bank (51% owned) | Colorado | |
| Mesa Bank | Arizona | |
| Napa Community Bank (87% owned) | California | |
| Point Loma 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 | |
| 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 |
EXHIBIT 21—SUBSIDIARIES OF THE REGISTRANT – continued:
Capitol Bancorp Ltd.
December 31, 2005
Capitol Bancorp Ltd.
December 31, 2005
Page 2 of 2
| State or Other | ||
| Jurisdiction | ||
| Name of Subsidiary | of Incorporation | |
| Consolidated Subsidiaries — continued: | ||
| Capitol Development Bancorp Limited I (8% owned) | Michigan | |
| Bank of Belleville (51% owned by CDBL-I) | Illinois | |
| Bank of Michigan (51% owned by CDBL-I) | Michigan | |
| Capitol Development Bancorp Limited II (9% owned) | Michigan | |
| Bank of Auburn Hills (51% owned by CDBL-II) | Michigan | |
| Bank of Bellevue (51% owned by CDBL-II) | Washington | |
| Capitol Development Bancorp Limited III (6% owned) | Michigan | |
| Bank of Santa Barbara (51% owned by CDBL-III) | California | |
| Summit Bank of Kansas City (55% owned by CDBL-III) | Missouri | |
| Capitol Development Bancorp Limited IV (7% owned) | Michigan | |
| Capitol Wealth, Inc. (100% owned by CDBL-IV) | Michigan | |
| Capitol Capital, LLC | Michigan | |
| Capitol Bancorp Leasing, Inc. | 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 |
The following summarizes regulatory agencies of the registrant and its subsidiaries:
Capitol’s state-chartered banks located in Michigan are regulated by the Office of Financial and Insurance Services, Department of Labor & Economic Growth 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, California, Colorado, Georgia, Illinois, Indiana, Missouri, Nevada, New Mexico, North Carolina and Washington 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 is regulated by the Federal Reserve Board, which also regulates its nonbanking subsidiaries. In addition to the bank regulatory agencies, Capitol and its subsidiaries are subject to regulation by other state and federal agencies.