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EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT
Capitol Bancorp Ltd.
December 31, 2004
Page 1 of 2 State or OtherJurisdictionName of Subsidiary
    
    of IncorporationConsolidated Subsidiaries:Ann Arbor Commerce Bank
    
    MichiganBrighton Commerce Bank
    
    MichiganCapitol National Bank
    
    United States (national bank)Detroit Commerce Bank
    
    MichiganElkhart Community Bank
    
    IndianaFirst Carolina State Bank
    
    North CarolinaGoshen Community Bank
    
    IndianaGrand Haven Bank
    
    MichiganKent Commerce Bank
    
    MichiganMacomb Community Bank
    
    MichiganMuskegon Commerce Bank
    
    MichiganOakland Commerce Bank
    
    MichiganParagon Bank & Trust
    
    MichiganPortage Commerce Bank
    
    MichiganArrowhead Community Bank
    
    ArizonaBank of Las Vegas (51% owned)
    
    NevadaBank of Tucson
    
    ArizonaBlack Mountain Community Bank
    
    NevadaCamelback Community Bank
    
    ArizonaDesert Community Bank
    
    NevadaEast Valley Community Bank
    
    ArizonaMesa Bank
    
    ArizonaNapa Community Bank (51% owned)
    
    CaliforniaRed Rock Community Bank
    
    NevadaSouthern Arizona Community Bank
    
    ArizonaSunrise Bank of Albuquerque
    
    New MexicoSunrise Bank of Arizona
    
    ArizonaSunrise Bank of San Diego
    
    CaliforniaValley First Community Bank
    
    ArizonaYuma Community Bank
    
    ArizonaFirst California Southern Bancorp (51% owned):
    
    CaliforniaBank of Escondido(51% owned by First California Southern Bancorp)
    
    CaliforniaPoint Loma Community Bank(51% owned by First California Southern Bancorp)
    
    California




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EXHIBIT 21 SUBSIDIARIES OF THE REGISTRANT  continued:
Capitol Bancorp Ltd.
December 31, 2004
Page 2 of 2 State or OtherJurisdictionName of Subsidiary
    
    of IncorporationConsolidated Subsidiaries - continued:Capitol Trust I
    
    DelawareCapitol Trust II
    
    DelawareCapitol Statutory Trust III
    
    ConnecticutCapitol Trust IV
    
    DelawareCapitol Trust VI
    
    DelawareCapitol Trust VII
    
    DelawareCapitol Statutory Trust VIII
    
    ConnecticutCapitol Trust IX
    
    DelawareCapitol Development Bancorp Limited I
    
    MichiganCapitol Development Bancorp Limited II
    
    MichiganCapitol Capital, LLC
    
    MichiganUnconsolidated Subsidiary:Amera Mortgage Corporation, Inc.
    
    Michigan(less than 50% owned equity method investee)Inactive subsidiaries:MOI, Inc.
    
    Michigan(wholly-owned subsidiary ofOakland Commerce Bank)Financial Center Corporation
    
    MichiganC.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.