----

----

| T      | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE             |
|--------|---------------------------------------------------------------------|
|   | SECURITIES EXCHANGE ACT OF 1934                                     |
|   | For the quarterly period ended March 31, 2010                       |
|   | OR                                                                  |
| £ | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE            |
|   | SECURITIES EXCHANGE ACT OF 1934                                     |
|   |                                                                |
|   | For the transition period from ________________ to ________________ |

| Michigan                                 |   | 38-2761672                        |
|------------------------------------------|--------|-----------------------------------|
| (State or other jurisdiction of          |   | (IRS Employer Identification No.) |
| incorporation or organization)           |   |                              |
| Capitol Bancorp Center                   |   |                              |
| Fourth Floor                             |   |                              |
| 200 N. Washington Square                 |   |                              |
| Lansing, Michigan                        |   | 48933                             |
| (Address of principal executive offices) |   | (Zip Code)                        |

| Yes   T | No   £ |
|------------------------|----------------------------|

| Class                      |   | Outstanding at April 30, 2010 |
|----------------------------|--------|-------------------------------|
| Common Stock, No par value |   | 21,426,852 shares             |

| Yes   £ | No   £ |
|-----------------------------|----------------------------|

| Large accelerated filer   £                                                                     |   |                                              | Accelerated filer   £ |
|---------------------------------------------------------------------------------------------------------------------|--------|---------------------------------------------------|-------------------------------------------|
| Non-accelerated filer     T   (Do not check if a smaller reporting company) |   | Smaller reporting company   £ |

| Yes   £ | No   T |
|-----------------------------|-----------------------|

----

----

----

----

|  Item 1.       |  Financial Statements (unaudited):                                                                   | Page     |
|---------------------|-----------------------------------------------------------------------------------------------------------|----------|
|                | Condensed consolidated balance sheets – March 31, 2010 and December 31, 2009.                       | 6        |
|                | Condensed consolidated statements of operations – Three months ended March 31,2010 and 2009.        | 7        |
|                | Condensed consolidated statements of changes in equity – Three months endedMarch 31, 2010 and 2009. | 8        |
|                | Condensed consolidated statements of cash flows – Three months ended March 31,2010 and 2009.        | 9        |
|                | Notes to condensed consolidated financial statements.                                                     | 10       |
| Item 2.             | Management's Discussion and Analysis of Financial Condition and Results of Operations.                    | 19       |
| Item 3.             | Quantitative and Qualitative Disclosures About Market Risk.                                               | 40       |
| Item 4.             | Controls and Procedures.                                                                                  | 40       |
|  PART II.      |  OTHER INFORMATION                                                                                   |     |
|  Item 1.       |  Legal Proceedings.                                                                                  |  41 |
| Item 1A.            | Risk Factors.                                                                                             | 41       |
| Item 2.             | Unregistered Sales of Equity Securities and Use of Proceeds.                                              | 41       |
| Item 3.             | Defaults Upon Senior Securities.                                                                          | 41       |
| Item 4.             | [Removed and Reserved.]                                                                                   | 41       |
| Item 5.             | Other Information.                                                                                        | 41       |
| Item 6.             | Exhibits.                                                                                                 | 41       |
|  SIGNATURES    |                                                                                                      |  42 |
|  EXHIBIT INDEX |                                                                                                      |  43 |

----

| PART I, ITEM 1                                                                                                                                                                                                                                                                                                                              |        |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------|
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |
| CAPITOL BANCORP LIMITED                                                                                                                                                                                                                                                                                                                     |        |
| Condensed Consolidated Balance Sheets                                                                                                                                                                                                                                                                                                       |        |
| As of March 31, 2010 and December 31, 2009                                                                                                                                                                                                                                                                                                  |        |
| (in $1,000s, except share data)                                                                                                                                                                                                                                                                                                             |        |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                        | (Unaudited) |   |   |   |   |
|                                                                                                                                                                                                                                                                                                                                        | March 31,   |   |   | December 31, |   |
|                                                                                                                                                                                                                                                                                                                                        | 2010        |   |   | 2009 |   |
| ASSETS                                                                                                                                                                                                                                                                                                                                      |        |   |   |   |   |   |
| Cash and due from banks                                                                                                                                                                                                                                                                                                                     |        | $ | 100,898 |   |   | $ | 88,188 |   |
| Money market and interest-bearing deposits                                                                                                                                                                                                                                                                                                  |        |   | 828,663 |   |   |   | 698,882 |   |
| Federal funds sold                                                                                                                                                                                                                                                                                                                          |        |   | 10,094 |   |   |   | 21,851 |   |
| Cash and cash equivalents                                                                                                                                                                                                                                                                                                                   |        |   | 939,655 |   |   |   | 808,921 |   |
| Loans held for sale                                                                                                                                                                                                                                                                                                                         |        |   | 6,878 |   |   |   | 16,132 |   |
| Investment securities -- Note C:                                                                                                                                                                                                                                                                                                            |        |   |   |   |   |   |   |   |
|    Available for sale, carried at fair value                                                                                                                                                                                                                                                                                 |        |   | 14,734 |   |   |   | 40,778 |   |
|    Held for long-term investment, carried at                                                                                                                                                                                                                                                                                 |        |   |   |   |   |   |   |   |
|      amortized cost which approximates fair value                                                                                                                                                                                                                                                                  |        |   | 3,404 |   |   |   | 5,891 |   |
| Total investment securities                                                                                                                                                                                                                                                                                                                 |        |   | 18,138 |   |   |   | 46,669 |   |
| Federal Home Loan Bank and Federal Reserve                                                                                                                                                                                                                                                                                                  |        |   |   |   |   |   |   |   |
|   Bank stock (at cost) -- Note C                                                                                                                                                                                                                                                                                                  |        |   | 24,552 |   |   |   | 24,674 |   |
| Portfolio loans:                                                                                                                                                                                                                                                                                                                            |        |   |   |   |   |   |   |   |
|    Loans secured by real estate:                                                                                                                                                                                                                                                                                             |        |   |   |   |   |   |   |   |
|     Commercial                                                                                                                                                                                                                                                                                                          |        |   | 1,958,635 |   |   |   | 1,990,332 |   |
|     Residential (including multi-family)                                                                                                                                                                                                                                                                                |        |   | 758,205 |   |   |   | 785,362 |   |
|     Construction, land development and other land                                                                                                                                                                                                                                                                       |        |   | 472,064 |   |   |   | 509,474 |   |
| Total loans secured by real estate                                                                                                                                                                                                                                                                                                          |        |   | 3,188,904 |   |   |   | 3,285,168 |   |
|    Commercial and other business-purpose loans                                                                                                                                                                                                                                                                               |        |   | 643,845 |   |   |   | 684,253 |   |
|    Consumer                                                                                                                                                                                                                                                                                                                  |        |   | 42,399 |   |   |   | 44,168 |   |
|    Other                                                                                                                                                                                                                                                                                                                     |        |   | 32,613 |   |   |   | 33,512 |   |
| Total portfolio loans                                                                                                                                                                                                                                                                                                                       |        |   | 3,907,761 |   |   |   | 4,047,101 |   |
|    Less allowance for loan losses                                                                                                                                                                                                                                                                                            |        |   | (152,405 | ) |   |   | (144,664 | ) |
| Net portfolio loans                                                                                                                                                                                                                                                                                                                         |        |   | 3,755,356 |   |   |   | 3,902,437 |   |
| Premises and equipment                                                                                                                                                                                                                                                                                                                      |        |   | 46,328 |   |   |   | 48,386 |   |
| Accrued interest income                                                                                                                                                                                                                                                                                                                     |        |   | 14,516 |   |   |   | 15,585 |   |
| Goodwill                                                                                                                                                                                                                                                                                                                                    |        |   | 66,104 |   |   |   | 66,126 |   |
| Other real estate owned                                                                                                                                                                                                                                                                                                                     |        |   | 110,015 |   |   |   | 111,820 |   |
| Recoverable income taxes                                                                                                                                                                                                                                                                                                                    |        |   | 42,774 |   |   |   | 43,763 |   |
| Other assets                                                                                                                                                                                                                                                                                                                                |        |   | 40,620 |   |   |   | 47,427 |   |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
|             TOTAL ASSETS                                                                                                                                                                                                                                                        |        | $ | 5,064,936 |   |   | $ | 5,131,940 |   |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
| LIABILITIES AND EQUITY                                                                                                                                                                                                                                                                                                                      |        |   |   |   |   |   |   |   |
| LIABILITIES:                                                                                                                                                                                                                                                                                                                                |        |   |   |   |   |   |   |   |
| Deposits:                                                                                                                                                                                                                                                                                                                                   |        |   |   |   |   |   |   |   |
|    Noninterest-bearing                                                                                                                                                                                                                                                                                                       |        | $ | 702,726 |   |   | $ | 679,100 |   |
|    Interest-bearing                                                                                                                                                                                                                                                                                                          |        |   | 3,751,635 |   |   |   | 3,731,533 |   |
| Total deposits                                                                                                                                                                                                                                                                                                                              |        |   | 4,454,361 |   |   |   | 4,410,633 |   |
| Debt obligations:                                                                                                                                                                                                                                                                                                                           |        |   |   |   |   |   |   |   |
|    Notes payable and other borrowings                                                                                                                                                                                                                                                                                   |        |   | 225,880 |   |   |   | 276,159 |   |
|    Subordinated debentures -- Note G                                                                                                                                                                                                                                                                                         |        |   | 167,478 |   |   |   | 167,441 |   |
| Total debt obligations                                                                                                                                                                                                                                                                                                                      |        |   | 393,358 |   |   |   | 443,600 |   |
| Accrued interest on deposits and other liabilities                                                                                                                                                                                                                                                                                          |        |   | 41,837 |   |   |   | 44,101 |   |
| Total liabilities                                                                                                                                                                                                                                                                                                                           |        |   | 4,889,556 |   |   |   | 4,898,334 |   |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
| EQUITY:                                                                                                                                                                                                                                                                                                                                     |        |   |   |   |   |   |   |   |
| Capitol Bancorp Limited stockholders' equity -- Note E:                                                                                                                                                                                                                                                                                     |        |   |   |   |   |   |   |   |
|   Preferred stock, 20,000,000 shares authorized;                                                                                                                                                                                                                                                                                  |        |   |   |   |   |   |   |   |
|     none issued and outstanding                                                                                                                                                                                                                                                                                         |        |   | -- |   |   |   | -- |   |
|   Common stock, no par value,  50,000,000 shares authorized;                                                                                                                                                                                                                                                            |        |   |   |   |   |   |   |   |
|      issued and outstanding:   2010 - 18,927,501 shares                                                                                                                                                                                                                                                  |        |   |   |   |   |   |   |   |
|                                                     2009 - 17,545,631 shares |        |   | 281,251 |   |   |   | 277,707 |   |
|   Retained-earnings deficit                                                                                                                                                                                                                                                                                                       |        |   | (163,633 | ) |   |   | (115,751 | ) |
|   Undistributed common stock held by employee-benefit trust                                                                                                                                                                                                                                                                       |        |   | (558 | ) |   |   | (558 | ) |
|   Fair value adjustment (net of tax effect) for investment                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
|      securities available for sale (accumulated other                                                                                                                                                                                                                                                              |        |   |   |   |   |   |   |   |
|      comprehensive income)                                                                                                                                                                                                                                                                                         |        |   | 107 |   |   |   | (63 | ) |
| Total Capitol Bancorp Limited stockholders' equity                                                                                                                                                                                                                                                                                          |        |   | 117,167 |   |   |   | 161,335 |   |
| Noncontrolling interests in consolidated subsidiaries                                                                                                                                                                                                                                                                                       |        |   | 58,213 |   |   |   | 72,271 |   |
| Total equity                                                                                                                                                                                                                                                                                                                                |        |   | 175,380 |   |   |   | 233,606 |   |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
|             TOTAL LIABILITIES AND EQUITY                                                                                                                                                                                                                                        |        | $ | 5,064,936 |   |   | $ | 5,131,940 |   |
|                                                                                                                                                                                                                                                                                                                                        |        |   |   |   |   |   |   |   |
| See notes to condensed consolidated financial statements.                                                                                                                                                                                                                                                                                   |        |   |   |   |   |   |   |   |

----

| CAPITOL BANCORP LIMITED                                                                                                                                                                                                                |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| Condensed Consolidated Statements of Operations (Unaudited)                                                                                                                                                                            |   |
| For the Three Months Ended March 31, 2010 and 2009                                                                                                                                                                                     |   |
| (in $1,000s, except per share data)                                                                                                                                                                                                    |   |
|                                                                                                                                                                                                                                   |   |   |   |
|                                                                                                                                                                                                                                   |   | 2010 |   |   | 2009 |   |
| Interest income:                                                                                                                                                                                                                       |   |   |   |   |   |   |
|   Portfolio loans (including fees)                                                                                                                                                                                           |   | $ | 56,550 |   |   | $ | 68,076 |   |
|   Loans held for sale                                                                                                                                                                                                        |   |   | 99 |   |   |   | 217 |   |
|   Taxable investment securities                                                                                                                                                                                              |   |   | 228 |   |   |   | 152 |   |
|   Federal funds sold                                                                                                                                                                                                         |   |   | 9 |   |   |   | 35 |   |
|   Other                                                                                                                                                                                                                      |   |   | 609 |   |   |   | 236 |   |
|                                 Total interest income                  |   |   | 57,495 |   |   |   | 68,716 |   |
| Interest expense:                                                                                                                                                                                                                      |   |   |   |   |   |   |   |   |
|   Deposits                                                                                                                                                                                                                   |   |   | 16,229 |   |   |   | 24,872 |   |
|   Debt obligations and other                                                                                                                                                                                                 |   |   | 4,804 |   |   |   | 6,387 |   |
|                                 Total interest expense                 |   |   | 21,033 |   |   |   | 31,259 |   |
|                                 Net interest income                    |   |   | 36,462 |   |   |   | 37,457 |   |
| Provision for loan losses                                                                                                                                                                                                              |   |   | 50,100 |   |   |   | 33,916 |   |
| Net interest income (deficiency) after                                                                                                                                                                                                 |   |   |   |   |   |
|                                    provision for loan losses |   |   | (13,638 | ) |   |   | 3,541 |   |
| Noninterest income:                                                                                                                                                                                                                    |   |   |   |   |   |   |   |   |
|   Service charges on deposit accounts                                                                                                                                                                                        |   |   | 1,239 |   |   |   | 1,502 |   |
|   Trust and wealth-management revenue                                                                                                                                                                                        |   |   | 1,152 |   |   |   | 1,388 |   |
|   Fees from origination of non-portfolio residential                                                                                                                                                                         |   |   |   |   |   |   |   |   |
|      mortgage loans                                                                                                                                                                                           |   |   | 473 |   |   |   | 902 |   |
|   Gain on sales of government-guaranteed loans                                                                                                                                                                               |   |   | 462 |   |   |   | 240 |   |
|   Gain on debt extinguishment                                                                                                                                                                                                |   |   | 1,255 |   |   |   |   |   |
|   Realized gain on sales of investment securities available                                                                                                                                                                  |   |   |   |   |   |   |   |   |
|      for sale                                                                                                                                                                                                 |   |   | 14 |   |   |   | 1 |   |
|   Other                                                                                                                                                                                                                      |   |   | 2,792 |   |   |   | 924 |   |
| Total noninterest income                                                                                                                                                                                                               |   |   | 7,387 |   |   |   | 4,957 |   |
| Noninterest expense:                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |
|   Salaries and employee benefits                                                                                                                                                                                             |   |   | 21,568 |   |   |   | 29,053 |   |
|   Occupancy                                                                                                                                                                                                                  |   |   | 4,586 |   |   |   | 4,891 |   |
|   Equipment rent, depreciation and maintenance                                                                                                                                                                               |   |   | 3,009 |   |   |   | 3,433 |   |
|   Costs associated with foreclosed properties and other                                                                                                                                                                      |   |   |   |   |   |   |   |   |
|      real estate owned                                                                                                                                                                                        |   |   | 12,085 |   |   |   | 4,359 |   |
|   FDIC insurance premiums and other regulatory fees                                                                                                                                                                          |   |   | 4,570 |   |   |   | 2,114 |   |
|   Other                                                                                                                                                                                                                      |   |   | 9,759 |   |   |   | 8,097 |   |
| Total noninterest expense                                                                                                                                                                                                              |   |   | 55,577 |   |   |   | 51,947 |   |
| Loss before income taxes (benefit)                                                                                                                                                                                                     |   |   | (61,828 | ) |   |   | (43,449 | ) |
| Income taxes (benefit)                                                                                                                                                                                                                 |   |   | 112 |   |   |   | (15,542 | ) |
| NET LOSS                                                                                                                                                                                                                               |   |   | (61,940 | ) |   |   | (27,907 | ) |
| Less net losses attributable to noncontrolling interests                                                                                                                                                                               |   |   | 14,058 |   |   |   | 7,233 |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |
|       NET LOSS ATTRIBUTABLE TO CAPITOL                                                                                                                                                                   |   |   |   |   |   |   |   |   |
|          BANCORP LIMITED                                                                                                                                                                            |   | $ | (47,882 | ) |   | $ | (20,674 | ) |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |
|       NET LOSS PER SHARE ATTRIBUTABLE                                                                                                                                                                    |   |   |   |   |   |   |   |   |
|          TO CAPITOL BANCORP LIMITED -- Note F                                                                                                                                                  |   | $ | (2.75 | ) |   | $ | (1.20 | ) |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |
| See notes to condensed consolidated financial statements.                                                                                                                                                                              |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                   |   |   |   |   |   |   |   |   |

----

| CAPITOL BANCORP LIMITED                                                                                                                                                                                                                                                     |                                         |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------|
| Condensed Consolidated Statements of Changes in Equity (Unaudited)                                                                                                                                                                                                          |                                         |
| For the Three Months Ended March 31, 2010 and 2009                                                                                                                                                                                                                          |                                         |
| (in $1,000s, except share and per share data)                                                                                                                                                                                                                               |                                         |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        | Capitol Bancorp Limited Stockholders' Equity |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   | Undistributed |   |   |   |   |   | Total Capitol |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   | Common Stock |   |   | Accumulated |   |   | Bancorp |   |   | Noncontrolling |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   | Retained- |   |   | Held by |   |   | Other |   |   | Limited |   |   | Interests in |   |   |   |   |
|                                                                                                                                                                                                                                                                        | Common                                       |   |   | Earnings |   |   | Employee- |   |   | Comprehensive |   |   | Stockholders' |   |   | Consolidated |   |   | Total |   |
|                                                                                                                                                                                                                                                                        | Stock                                        |   |   | (Deficit) |   |   | Benefit Trust |   |   | Income (Loss) |   |   | Equity |   |   | Subsidiaries |   |   | Equity |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Three Months Ended March 31, 2009                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balances at January 1, 2009                                                                                                                                                                                                                                                 |                                         | $ | 274,018 |   |   | $ | 80,255 |   |   | $ | (569 | ) |   | $ | 144 |   |   | $ | 353,848 |   |   | $ | 159,220 |   |   | $ | 513,068 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Sale of subsidiary shares to noncontrolling interests                                                                                                                                                                                                                       |                                         |   |   | 27 |   |   |   |   |   |   |   |   |   |   |   | 27 |   |   |   | 134 |   |   |   | 161 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Surrender of 3,285 shares of common stock to facilitate                                                                                                                                                                                                                     |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    vesting of restricted stock                                                                                                                                                                                                                               |                                         |   | (19 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (19 | ) |   |   |   |   |   |   | (19 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Recognition of compensation expense relating to restricted                                                                                                                                                                                                                  |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    common stock and stock options                                                                                                                                                                                                                            |                                         |   | 283 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 283 |   |   |   |   |   |   |   | 283 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax effect of share-based payments                                                                                                                                                                                                                                |                                         |   | (104 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (104 | ) |   |   |   |   |   |   | (104 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Cash dividends paid ($0.05 per share)                                                                                                                                                                                                                                       |                                         |   |   |   |   |   | (864 | ) |   |   |   |   |   |   |   |   |   |   | (864 | ) |   |   |   |   |   |   | (864 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Components of comprehensive loss:                                                                                                                                                                                                                                           |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Net loss                                                                                                                                                                                                                                                  |                                         |   |   |   |   |   | (20,674 | ) |   |   |   |   |   |   |   |   |   |   | (20,674 | ) |   |   | (7,233 | ) |   |   | (27,907 | ) |
|    Fair value adjustment for investment securities                                                                                                                                                                                                                |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       available for sale (net of income tax effect)                                                                                                                                                                                                |                                         |   |   |   |   |   |   |   |   |   |   | (8 | ) |   |   | (8 | ) |   |   |   |   |   |   | (8 | ) |
|          Comprehensive loss                                                                                                                                                                                                    |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (20,682 | ) |   |   |   |   |   |   | (27,915 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     BALANCES AT MARCH 31, 2009                                                                                                                                                                                                                          |                                         | $ | 274,178 |   |   | $ | 58,744 |   |   | $ | (569 | ) |   | $ | 136 |   |   | $ | 332,489 |   |   | $ | 152,121 |   |   | $ | 484,610 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Three Months Ended March 31, 2010                                             |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Balances at January 1, 2010                                                                                                                                                                                                                                                 |                                         | $ | 277,707 |   |   | $ | (115,751 | ) |   | $ | (558 | ) |   | $ | (63 | ) |   | $ | 161,335 |   |   | $ | 72,271 |   |   | $ | 233,606 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Issuance of 10,000 shares of common stock upon                                                                                                                                                                                                                              |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    exercise of stock options                                                                                                                                                                                                                                 |                                         |   | 20 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 20 |   |   |   |   |   |   |   | 20 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Issuance of 1,374,000 shares of common stock for                                                                                                                                                                                                                            |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    redemption of promissory notes                                                                                                                                                                                                                            |                                         |   | 3,325 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 3,325 |   |   |   |   |   |   |   | 3,325 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Surrender of 755 shares of common stock to facilitate                                                                                                                                                                                                                       |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    vesting of restricted stock                                                                                                                                                                                                                               |                                         |   | (2 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (2 | ) |   |   |   |   |   |   | (2 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Forfeiture of 1,375 unvested shares of restricted common                                                                                                                                                                                                                    |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    stock, net of related unearned employee compensation                                                                                                                                                                                                      |                                         |   | -- |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | -- |   |   |   |   |   |   |   | -- |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Recognition of compensation expense relating to restricted                                                                                                                                                                                                                  |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    common stock and stock options -- Note E                                                                                                                                                                                                                  |                                         |   | 223 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | 223 |   |   |   |   |   |   |   | 223 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tax effect of share-based payments                                                                                                                                                                                                                                          |                                         |   | (22 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (22 | ) |   |   |   |   |   |   | (22 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Components of comprehensive loss:                                                                                                                                                                                                                                           |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Net loss                                                                                                                                                                                                                                                  |                                         |   |   |   |   |   | (47,882 | ) |   |   |   |   |   |   |   |   |   |   | (47,882 | ) |   |   | (14,058 | ) |   |   | (61,940 | ) |
|    Fair value adjustment for investment securities                                                                                                                                                                                                                |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|       available for sale (net of income tax effect)                                                                                                                                                                                                |                                         |   |   |   |   |   |   |   |   |   |   | 170 |   |   |   | 170 |   |   |   |   |   |   |   | 170 |   |
|          Comprehensive loss                                                                                                                                                                                                    |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   | (47,712 | ) |   |   |   |   |   |   | (61,770 | ) |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|     BALANCES AT MARCH 31, 2010                                                                                                                                                                                                                          |                                         | $ | 281,251 |   |   | $ | (163,633 | ) |   | $ | (558 | ) |   | $ | 107 |   |   | $ | 117,167 |   |   | $ | 58,213 |   |   | $ | 175,380 |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                                                                                                                        |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| See notes to condensed consolidated financial statements.                                                                                                                                                                                                                   |                                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

| CAPITOL BANCORP LTD.                                                                                                                             |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|--------|
| Condensed Consolidated Statements of Cash Flows (Unaudited)                                                                                      |   |
| For the Three Months Ended March 31, 2010 and 2009                                                                                               |   |
| (in $1,000s)                                                                                                                                     |   |
|                                                                                                                                             |   |   |   |   |   |   |
|                                                                                                                                             |   | 2010 |   |   | 2009 |   |
|                                                                                                                                             |   |   |   |   |   |   |
| OPERATING ACTIVITIES                                                                                                                             |   |   |   |   |   |   |
|   Net loss                                                                                                                             |   | $ | (61,940 | ) |   | $ | (27,907 | ) |
|   Adjustments to reconcile net loss to net cash provided (used)                                                                        |   |   |   |   |   |   |   |   |
|     by operating activities:                                                                                                 |   |   |   |   |   |   |   |   |
|       Provision for loan losses                                                                                    |   |   | 50,100 |   |   |   | 33,916 |   |
|       Depreciation of premises and equipment                                                                       |   |   | 2,199 |   |   |   | 2,965 |   |
|       Amortization of intangibles                                                                                  |   |   | 61 |   |   |   | 122 |   |
|       Net amortization (accretion) of investment security                                                          |   |   |   |   |   |   |   |   |
|  premiums (discounts)                                                                                                                  |   |   |  266 |   |   |   |  (20 | )  |
|       Loss on sale of premises and equipment                                                                       |   |   | 1 |   |   |   | 16 |   |
|       Gain on sales of government-guaranteed loans                                                                 |   |   | (462 | ) |   |   | (240 | ) |
|       Gain on debt extinguishment                                                                                  |   |   | (1,255 | ) |   |   |   |   |
|       Realized gain on sales of investment securities available                                                    |   |   |   |   |   |   |   |   |
|          for sale                                                                                   |   |   | (14 | ) |   |   | (1 | ) |
|       Loss on sales of other real estate owned                                                                     |   |   | 1,774 |   |   |   | 500 |   |
|       Write-down of other real estate owned                                                                        |   |   | 8,620 |   |   |   | 3,880 |   |
|       Amortization of issuance costs of subordinated debentures                                                    |   |   | 37 |   |   |   | 37 |   |
|       Share-based compensation expense                                                                             |   |   | 223 |   |   |   | 283 |   |
|       Deferred income tax credit                                                                                   |   |   | (29,561 | ) |   |   |   |   |
|       Valuation allowance for deferred income tax assets                                                           |   |   | 29,577 |   |   |   |   |   |
|   Originations and purchases of loans held for sale                                                                                    |   |   | (29,344 | ) |   |   | (79,757 | ) |
|   Proceeds from sales of loans held for sale                                                                                           |   |   | 38,598 |   |   |   | 65,252 |   |
|   Decrease (increase) in accrued interest income and other assets                                                                      |   |   | 8,720 |   |   |   | (7,329 | ) |
|   Decrease in accrued interest expense on deposits and                                                                                 |   |   |   |   |   |   |   |   |
|      other liabilities                                                                                                  |   |   | (2,264 | ) |   |   | (3,254 | ) |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                 NET CASH PROVIDED (USED) BY OPERATING            |   |   |   |   |   |   |   |   |
|                    ACTIVITIES                     |   |   | 15,336 |   |   |   | (11,537 | ) |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
| INVESTING ACTIVITIES                                                                                                                             |   |   |   |   |   |   |   |   |
|   Proceeds from sales of investment securities available for sale                                                                      |   |   | 23,664 |   |   |   |   |   |
|   Proceeds from calls, prepayments and maturities of investment                                                                        |   |   |   |   |   |   |   |   |
|      securities                                                                                                         |   |   | 7,389 |   |   |   | 5,085 |   |
|   Purchases of investment securities                                                                                                   |   |   | (2,394 | ) |   |   | (5,884 | ) |
|   Net decrease (increase) in portfolio loans                                                                                           |   |   | 66,679 |   |   |   | (10,132 | ) |
|   Proceeds from sales of government-guaranteed loans                                                                                   |   |   | 10,570 |   |   |   | 2,869 |   |
|   Proceeds from sales of premises and equipment                                                                                        |   |   | 112 |   |   |   | 29 |   |
|   Purchases of premises and equipment                                                                                                  |   |   | (254 | ) |   |   | (736 | ) |
|   Proceeds from sales of other real estate owned                                                                                       |   |   | 11,605 |   |   |   | 3,738 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                 NET CASH PROVIDED (USED) BY INVESTING            |   |   |   |   |   |   |   |   |
|                    ACTIVITIES                     |   |   | 117,371 |   |   |   | (5,031 | ) |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
| FINANCING ACTIVITIES                                                                                                                             |   |   |   |   |   |   |   |   |
|   Net increase in demand deposits, NOW accounts and savings accounts                                                                   |   |   | 37,607 |   |   |   | 30,486 |   |
|   Net increase in certificates of deposit                                                                                              |   |   | 6,121 |   |   |   | 178,464 |   |
|   Net proceeds from (payments on) debt obligations                                                                                     |   |   | 56 |   |   |   | (1,905 | ) |
|   Proceeds from Federal Home Loan Bank advances                                                                                        |   |   | 271,380 |   |   |   | 892,571 |   |
|   Payments on Federal Home Loan Bank advances                                                                                          |   |   | (317,135 | ) |   |   | (945,171 | ) |
|   Net proceeds from issuance of common stock                                                                                           |   |   | 20 |   |   |   |   |   |
|   Tax effect of share-based payments                                                                                                   |   |   | (22 | ) |   |   | (104 | ) |
|   Cash dividends paid                                                                                                                  |   |   |   |   |   |   | (864 | ) |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                 NET CASH PROVIDED (USED) BY FINANCING ACTIVITIES |   |   | (1,973 | ) |   |   | 153,477 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                 INCREASE IN CASH AND CASH EQUIVALENTS            |   |   | 130,734 |   |   |   | 136,909 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
| Cash and cash equivalents at beginning of period                                                                                                 |   |   | 808,921 |   |   |   | 624,366 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
|                 CASH AND CASH EQUIVALENTS AT END OF PERIOD       |   | $ | 939,655 |   |   | $ | 761,275 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
| Supplemental disclosures:                                                                                                                        |   |   |   |   |   |   |   |   |
|   Cash paid during the period for interest on deposits and debt obligations                                                            |   | $ | 21,387 |   |   | $ | 32,798 |   |
|   Transfers of loans to other real estate owned                                                                                        |   |   | 20,194 |   |   |   | 25,832 |   |
|   Surrender of common stock to facilitate exercise of stock options                                                                    |   |   |   |   |   |   |   |   |
|      and vesting of restricted stock                                                                                    |   |   | 2 |   |   |   | 19 |   |
|                                                                                                                                             |   |   |   |   |   |   |   |   |
| See notes to condensed consolidated financial statements.                                                                                        |   |   |   |   |   |   |   |   |

----

----

|                                   |   | March 31, 2010 |      |   | December 31, 2009  |
|----------------------------------------|--------|----------------|-----------|--------|--------------------|
|                                   |   | AmortizedCost  |      |   | EstimatedFairValue |   |   | AmortizedCost |   |   | EstimatedFairValue |
| Available for sale:                    |   |           |      |   |               |   |   |   |   |   |   |
| United States treasury                 |   | $              | 505       |   |               | $ | 504 |   |   | $ | 1,500 |   |   | $ | 1,500 |
| United States government agency        |   |           | 9,305     |   |               |   | 9,321 |   |   |   | 13,956 |   |   |   | 13,941 |
| Mortgage-backed                        |   |           | 4,212     |   |               |   | 4,349 |   |   |   | 24,690 |   |   |   | 24,598 |
| Municipalities                         |   |           | 551       |   |               |   | 560 |   |   |   | 727 |   |   |   | 739 |
|                                   |   |           | 14,573    |   |               |   | 14,734 |   |   |   | 40,873 |   |   |   | 40,778 |
| Held for long-term investment:         |   |           |      |   |               |   |   |   |   |   |   |   |   |   |   |
| Capitol Development BancorpLimited III |   |           |  637 |   |               |   |  637 |   |   |   |  672 |   |   |   |  672 |
| Corporate                              |   |           | 2,665     |   |               |   | 2,665 |   |   |   | 5,119 |   |   |   | 5,119 |
| Other                                  |   |           | 102       |   |               |   | 102 |   |   |   | 100 |   |   |   | 100 |
|                                   |   |           | 3,404     |   |               |   | 3,404 |   |   |   | 5,891 |   |   |   | 5,891 |
|                                   |   |           |      |   |               |   |   |   |   |   |   |   |   |   |   |
|                                   |   | $              | 17,977    |   |               | $ | 18,138 |   |   | $ | 46,764 |   |   | $ | 46,669 |

----

|                            |   | March 31, 2010 |   |   | December 31, 2009 |
|---------------------------------|--------|----------------|--------|--------|-------------------|
|                            |   | Gains          |   |   | Losses            |   |   | Gains |   |   | Losses |
|                            |   |           |   |   |              |   |   |   |   |   |   |
| United States treasury          |   | $              | --     |   |              | $ | 1 |   |   |   |   |   |   |
| United States government agency |   |           | 15     |   |              |   | -- |   |   | $ | 7 |   |   | $ | 22 |
| Mortgage-backed                 |   |           | 138    |   |              |   | -- |   |   |   | 122 |   |   |   | 214 |
| Municipalities                  |   |           | 9      |   |              |   | -- |   |   |   | 12 |   |   |   | -- |
|                            |   |           |   |   |              |   |   |   |   |   |   |   |   |   |   |
|                            |   | $              | 162    |   |              | $ | 1 |   |   | $ | 141 |   |   | $ | 236 |

|                            |   | March 31, 2010 |   |   | December 31, 2009 |
|---------------------------------|--------|----------------|--------|--------|-------------------|
|                            |   | UnrealizedLoss |   |   | CarryingValue     |   |   | UnrealizedLoss |   |   | CarryingValue |
|                            |   |           |   |   |              |   |   |   |   |   |   |
| One year or less:               |   |           |   |   |              |   |   |   |   |   |   |
| United States treasury          |   | $              | 1      |   |              | $ | 504 |   |   |   |   |   |   |
| United States government agency |   |           | --     |   |              |   | -- |   |   | $ | 22 |   |   | $ | 8,979 |
| Mortgage-backed                 |   |           | --     |   |              |   | -- |   |   |   | 214 |   |   |   | 19,879 |
|                            |   |           |   |   |              |   |   |   |   |   |   |   |   |   |   |
|                            |   | $              | 1      |   |              | $ | 504 |   |   | $ | 236 |   |   | $ | 28,858 |

|                                               |   | AmortizedCost |   |   | EstimatedFair Value |
|----------------------------------------------------|--------|---------------|--------|--------|---------------------|
|                                               |   |          |   |   |                |
| Due in one year or less                            |   | $             | 5,046  |   |                | $ | 5,051 |
| After one year, through five years                 |   |          | 5,082  |   |                |   | 5,094 |
| After five years, through ten years                |   |          | 1,186  |   |                |   | 1,215 |
| After ten years                                    |   |          | 3,259  |   |                |   | 3,374 |
| Securities held for long-term                      |   |          |   |   |                |   |   |
|      investment without stated |   |          |   |   |                |   |   |
|      maturities                |   |          | 3,404  |   |                |   | 3,404 |
|                                               |   |          |   |   |                |   |   |
|                                               |   | $             | 17,977 |   |                | $ | 18,138 |

----

|   | Investment securities available for sale:  Securities available for sale are recorded at fair value on a recurring basis.  Fair value measurement is based on quoted prices, when available (Level 1).  If quoted prices are not available, fair values are measured using independent pricing models (Level 2). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Mortgage loans held for sale:  Mortgage loans held for sale are carried at the lower of cost or fair value and are measured on a nonrecurring basis.  There were no mortgage loans held for sale written down to fair value at March 31, 2010.  Fair value is based on independent quoted market prices, where applicable, or the prices for other mortgage whole loans with similar characteristics. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Loans:  The Corporation does not record loans at fair value on a recurring basis.  However, from time to time, nonrecurring fair value adjustments to collateral-dependent loans are recorded to reflect partial write-downs based on the observable market price, current appraised value of the collateral or other estimates of fair value. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Other real estate owned:  At the time of foreclosure, foreclosed properties are adjusted to estimated fair value less estimated costs to sell upon transfer from portfolio loans to other real estate owned, establishing a new accounting basis.  The Corporation subsequently adjusts estimated fair value of other real estate owned on a nonrecurring basis to reflect partial write-downs based on the observable market price or current appraisal data. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                      |   |  Total |      |   | Significant OtherObservable Inputs(Level 2) |
|-------------------------------------------|--------|-------------|-----------|--------|---------------------------------------------|
|                                      |   |        |      |   |                                        |
| Investment securities available for sale: |   |        |      |   |                                        |
| United States treasury                    |   | $           | 504       |   |                                        | $ | 504 |
| United States government agency           |   |        | 9,321     |   |                                        |   | 9,321 |
| Mortgage-backed                           |   |        | 4,349     |   |                                        |   | 4,349 |
| Municipalities                            |   |        |  560 |   |                                        |   |  560 |
|                                      |   |        |      |   |                                        |   |   |
|                                      |   | $           | 14,734    |   |                                        | $ | 14,734 |

|                                      |   |  Total |      |   | Significant OtherObservable Inputs(Level 2) |
|-------------------------------------------|--------|-------------|-----------|--------|---------------------------------------------|
|                                      |   |        |      |   |                                        |
| Investment securities available for sale: |   |        |      |   |                                        |
| United States treasury                    |   | $           | 1,500     |   |                                        | $ | 1,500 |
| United States government agency           |   |        | 13,941    |   |                                        |   | 13,941 |
| Mortgage-backed                           |   |        | 24,598    |   |                                        |   | 24,598 |
| Municipalities                            |   |        |  739 |   |                                        |   |  739 |
|                                      |   |        |      |   |                                        |   |   |
|                                      |   | $           | 40,778    |   |                                        | $ | 40,778 |

----

|                        |   |   Total |    |   | SignificantUnobservableInputs(Level 3) |
|-----------------------------|--------|-------------------|---------|--------|----------------------------------------|
|                        |   |              |    |   |                                   |
| Impaired loans (1)          |   | $                 | 151,164 |   |                                   | $ | 151,164 |
|                        |   |              |    |   |                                   |   |   |
| Other real estate owned (1) |   | $                 | 110,015 |   |                                   | $ | 110,015 |

| (1)   | Represents carrying value based on the appraised value of the applicable collateral or foreclosed propertyor other estimates of fair value. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------|

|                        |   |   Total |    |   | SignificantUnobservableInputs(Level 3) |
|-----------------------------|--------|-------------------|---------|--------|----------------------------------------|
|                        |   |              |    |   |                                   |
| Impaired loans (1)          |   | $                 | 138,982 |   |                                   | $ | 138,982 |
|                        |   |              |    |   |                                   |   |   |
| Other real estate owned (1) |   | $                 | 111,820 |   |                                   | $ | 111,820 |

| (1)   | Represents carrying value based on the appraised value of the applicable collateral or other estimates of fairvalue. |
|-----------------|----------------------------------------------------------------------------------------------------------------------|

----

|                                                 |   | March 31, 2010 |          |   | December 31, 2009   |   |
|------------------------------------------------------|--------|----------------|---------------|--------|---------------------|--------|
|                                                 |   | CarryingValue  |          |   | EstimatedFair Value |   |   | CarryingValue |   |   | EstimatedFair Value |   |
| Financial assets:                                    |   |           |          |   |                |   |   |   |   |   |   |   |
| Cash and cash equivalents                            |   | $              | 939,655       |   |                | $      | 939,655 |   |   | $ | 808,921 |   |   | $ | 808,921 |   |
| Loans held for sale                                  |   |           | 6,878         |   |                |   | 6,878 |   |   |   | 16,132 |   |   |   | 16,132 |   |
| Investment securities:                               |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Available for sale                                   |   |           | 14,734        |   |                |   | 14,734 |   |   |   | 40,778 |   |   |   | 40,778 |   |
| Held for long-term investment                        |   |           | 3,404         |   |                |   | 3,404 |   |   |   | 5,891 |   |   |   | 5,891 |   |
|                                                 |   |           | 18,138        |   |                |   | 18,138 |   |   |   | 46,669 |   |   |   | 46,669 |   |
| Federal Home Loan Bank and Federal ReserveBank stock |   |           | 24,552        |   |                |   | 24,552 |   |   |   | 24,674 |   |   |   | 24,674 |   |
| Portfolio loans:                                     |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Loans secured by real estate:                        |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Commercial                                           |   |           | 1,958,635     |   |                |   | 1,864,297 |   |   |   | 1,990,332 |   |   |   | 1,910,631 |   |
| Residential (including multi-family)                 |   |           | 758,205       |   |                |   | 722,426 |   |   |   | 785,362 |   |   |   | 752,400 |   |
| Construction, land development and otherland         |   |           |  472,064 |   |                |   |  405,314 |   |   |   |  509,474 |   |   |   |  434,278 |   |
| Total loans secured by real estate                   |   |           | 3,188,904     |   |                |   | 2,992,037 |   |   |   | 3,285,168 |   |   |   | 3,097,309 |   |
| Commercial and other business-purpose loans          |   |           | 643,845       |   |                |   | 625,046 |   |   |   | 684,253 |   |   |   | 667,660 |   |
| Consumer                                             |   |           | 42,399        |   |                |   | 42,670 |   |   |   | 44,168 |   |   |   | 44,533 |   |
| Other                                                |   |           | 32,613        |   |                |   | 30,850 |   |   |   | 33,512 |   |   |   | 31,781 |   |
| Total portfolio loans                                |   |           | 3,907,761     |   |                |   | 3,690,603 |   |   |   | 4,047,101 |   |   |   | 3,841,283 |   |
| Less allowance for loan losses                       |   |           | (152,405      | )      |                |   | (152,405 | ) |   |   | (144,664 | ) |   |   | (144,664 | ) |
| Net portfolio loans                                  |   |           | 3,755,356     |   |                |   | 3,538,198 |   |   |   | 3,902,437 |   |   |   | 3,696,619 |   |
|                                                 |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities:                               |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Deposits:                                            |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest-bearing                                  |   |           | 702,726       |   |                |   | 702,726 |   |   |   | 679,100 |   |   |   | 679,100 |   |
| Interest-bearing:                                    |   |           |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Demand accounts                                      |   |           | 1,316,322     |   |                |   | 1,316,322 |   |   |   | 1,302,341 |   |   |   | 1,302,341 |   |
| Time certificates of less than $100,000              |   |           | 998,206       |   |                |   | 1,000,678 |   |   |   | 942,303 |   |   |   | 944,579 |   |
| Time certificates of $100,000 or more                |   |           | 1,437,107     |   |                |   | 1,438,926 |   |   |   | 1,486,889 |   |   |   | 1,489,109 |   |
| Total interest-bearing                               |   |           | 3,751,635     |   |                |   | 3,755,926 |   |   |   | 3,731,533 |   |   |   | 3,736,029 |   |
| Total deposits                                       |   |           | 4,454,361     |   |                |   | 4,458,652 |   |   |   | 4,410,633 |   |   |   | 4,415,129 |   |
| Notes payable and short-term borrowings              |   |           | 225,880       |   |                |   | 226,321 |   |   |   | 276,159 |   |   |   | 276,265 |   |
| Subordinated debentures                              |   |           | 167,478       |   |                |   | 170,841 | (1) |   |   | 167,441 |   |   |   | 170,841 | (1) |

| (1) | Represents liquidation or principal amount outstanding.  The quoted market value of certain trust-preferred securities |
|-----|----------------------------------------------------------------------------------------------------------------------------------|

| (Capitol Trust I and XII) included within subordinated debentures was substantially less than that amount. |
|------------------------------------------------------------------------------------------------------------|

----

|                           |   |  NumberOutstanding |           |   |  Exercise PriceRange |   |                                 | WeightedAverageExercisePrice |
|--------------------------------|--------|-------------------------|----------------|--------|---------------------------|--------|--------------------------------------|------------------------------|
|                           |   |                    |           |   |                      |   |                                 |                         |
| Outstanding at January 1, 2010 |   |                    | 2,504,483      |   |                      | $      |  2.01 to $ 46.20 |                         |   | $ | 24.61 |
| Granted                        |   |                    | 190,656        |   |                      |   | 1.96                                 |                         |   |   | 1.96 |
| Exercised                      |   |                    | (10,000        | )      |                      |   | 2.01                                 |                         |   |   | 2.01 |
| Cancelled or expired           |   |                    |  (330,589 | )      |                      |   | 17.42 to   34.52 |                         |   |   | 25.45 |
|                           |   |                    |           |   |                      |   |                                 |                         |   |   |   |
| Outstanding at March 31, 2010  |   |                    | 2,354,550      |   |                      | $      | 1.96 to $ 46.20       |                         |   | $ | 22.76 |

|                |                     |   |              |      |          | Weighted Average |
|---------------------|--------------------------|--------|-------------------|-----------|---------------|------------------|
| Exercise PriceRange |                     |   | NumberOutstanding |      |          | ExercisePrice    |   | RemainingContractualLife |
|                |                     |   |              |      |          |             |   |   |
| $                   | 1.00 to 14.99  |   |              |      | 584,680       |             |   | $ | 2.47 |   | 3.55 years |
| $                   | 15.00 to 19.99 |   |              |      | 78,682        |             |   |   | 16.40 |   | 1.34 years |
| $                   | 20.00 to 24.99 |   |              |      | 375,330       |             |   |   | 21.78 |   | 2.63 years |
| $                   | 25.00 to 29.99 |   |              |      | 317,866       |             |   |   | 26.99 |   | 0.77 years |
| $                   | 30.00 to 34.99 |   |              |      | 632,483       |             |   |   | 31.98 |   | 1.56 years |
| $              | 35.00 or more  |   |              |      |  365,509 |             |   |   | 37.93 |   | 2.68 years |
|                |                     |   |              |      |          |             |   |   |   |   |   |
| Total outstanding   |                     |   |              | 2,354,550 |          |             | $ | 22.76 |   |   |

----

|                                                                                                                                 |   | 2010   |                |   | 2009   |   |
|--------------------------------------------------------------------------------------------------------------------------------------|--------|--------|---------------------|--------|--------|--------|
|                                                                                                                                 |   |   |                |   |   |   |
| Numerator—net loss attributable to Capitol BancorpLimited for the period                                                       |   | $      | (47,882             | )      |   | $      | (20,674 | ) |
|                                                                                                                                 |   |   |                |   |   |   |   |   |
| Denominator:                                                                                                                         |   |   |                |   |   |   |   |   |
| Weighted average number of shares outstanding,excluding unvested restricted shares(denominator for basic and diluted loss per share) |   |   |    17,402 |   |   |   |    17,162 |   |
|                                                                                                                                 |   |   |                |   |   |   |   |   |
| Number of antidilutive stock options excluded from   diluted net loss per share computation (see Note E)                   |   |   |  2,355         |   |   |   |  2,438 |   |
|                                                                                                                                 |   |   |                |   |   |   |   |   |
| Number of antidilutive unvested restricted shares   excluded from diluted net loss per share computation                   |   |   |  140           |   |   |   |  125 |   |
|                                                                                                                                 |   |   |                |   |   |   |   |   |
| Number of antidilutive warrants excluded from   diluted net loss per share computation                                     |   |   |  76            |   |   |   |  -- |   |

----

----

|                            |   | Total Assets   |
|---------------------------------|--------|----------------|
|                            |   | March 31, 2010 |   |   | December 31, 2009 |
| Arizona Region:                 |   |           |   |   |   |
| Bank of Tucson                  |   | $              | 209,497 |   |   | $ | 204,933 |
| Central Arizona Bank            |   |           | 91,739 |   |   |   | 95,303 |
| Southern Arizona Community Bank |   |           | 99,382 |   |   |   | 94,585 |
| Sunrise Bank of Albuquerque     |   |           | 83,834 |   |   |   | 78,930 |
| Sunrise Bank of Arizona         |   |           | 476,285 |   |   |   | 495,168 |
| Arizona Region Total            |   |           | 960,737 |   |   |   | 968,919 |
|                            |   |           |   |   |   |   |   |
| California Region:              |   |           |   |   |   |   |   |
| Bank of Feather River           |   |           | 32,614 |   |   |   | 33,693 |
| Bank of San Francisco           |   |           | 95,683 |   |   |   | 87,740 |
| Napa Community Bank             |   |           | 159,015 |   |   |   | 166,873 |
| Sunrise Bank(4)                 |   |           | 281,896 |   |   |   | 296,197 |
| California Region Total         |   |           | 569,208 |   |   |   | 584,503 |
|                            |   |           |   |   |   |   |   |
| Colorado Region:                |   |           |   |   |   |   |   |
| Fort Collins Commerce Bank      |   |           | 97,373 |   |   |   | 93,908 |
| Larimer Bank of Commerce        |   |           | 92,239 |   |   |   | 89,623 |
| Loveland Bank of Commerce       |   |           | 41,092 |   |   |   | 40,032 |
| Mountain View Bank of Commerce  |   |           | 49,486 |   |   |   | 50,621 |
| Colorado Region Total           |   |           | 280,190 |   |   |   | 274,184 |
|                            |   |           |   |   |   |   |   |
| Great Lakes Region:             |   |           |   |   |   |   |   |
| Bank of Maumee                  |   |           | 46,723 |   |   |   | 46,796 |
| Bank of Michigan                |   |           | 110,994 |   |   |   | 99,344 |
| Capitol National Bank           |   |           | 194,810 |   |   |   | 200,597 |
| Evansville Commerce Bank        |   |           | 55,184 |   |   |   | 56,392 |
| Indiana Community Bank(5)       |   |           | 172,592 |   |   |   | 175,407 |
| Michigan Commerce Bank(1)       |   |           | 1,208,186 |   |   |   | 1,233,289 |
| Ohio Commerce Bank              |   |           | 70,310 |   |   |   | 66,175 |
| Great Lakes Region Total        |   |           | 1,858,799 |   |   |   | 1,878,000 |
|                            |   |           |   |   |   |   |   |
| Midwest Region:                 |   |           |   |   |   |   |   |
| Adams Dairy Bank                |   |           | 41,462 |   |   |   | 44,309 |
| Bank of Belleville              |   |           | 70,040 |   |   |   | 70,502 |
| Community Bank of Lincoln       |   |           | 59,447 |   |   |   | 60,356 |
| Midwest Region Total            |   |           | 170,949 |   |   |   | 175,167 |
|                            |   |           |   |   |   |   |   |
| Nevada Region:                  |   |           |   |   |   |   |   |
| 1st Commerce Bank               |   |           | 45,269 |   |   |   | 38,811 |
| Bank of Las Vegas(2)            |   |           | 476,336 |   |   |   | 488,786 |
| Nevada Region Total             |   |           | 521,605 |   |   |   | 527,597 |

----

|                          |   | Total Assets   |
|-------------------------------|--------|----------------|
|                          |   | March 31, 2010 |   |   | December 31, 2009 |
| Northeast Region:             |   |           |   |   |   |
| USNY Bank                     |   | $              | 67,250 |   |   | $ | 64,176 |
|                          |   |           |   |   |   |   |   |
| Northwest Region:             |   |           |   |   |   |   |   |
| Bank of the Northwest(3)      |   |           | 170,775 |   |   |   | 174,005 |
| High Desert Bank              |   |           | 39,758 |   |   |   | 41,849 |
| Northwest Region Total        |   |           | 210,533 |   |   |   | 215,854 |
|                          |   |           |   |   |   |   |   |
| Southeast Region:             |   |           |   |   |   |   |   |
| Bank of Valdosta              |   |           | 51,987 |   |   |   | 55,156 |
| First Carolina State Bank     |   |           | 112,752 |   |   |   | 115,716 |
| Peoples State Bank            |   |           | 26,083 |   |   |   | 26,198 |
| Pisgah Community Bank         |   |           | 59,850 |   |   |   | 62,773 |
| Sunrise Bank of Atlanta       |   |           | 58,733 |   |   |   | 55,966 |
| Southeast Region Total        |   |           | 309,405 |   |   |   | 315,809 |
|                          |   |           |   |   |   |   |   |
| Texas Region:                 |   |           |   |   |   |   |   |
| Bank of Fort Bend             |   |           | 35,638 |   |   |   | 31,548 |
| Bank of Las Colinas           |   |           | 43,420 |   |   |   | 43,003 |
| Texas Region Total            |   |           | 79,058 |   |   |   | 74,551 |
|                          |   |           |   |   |   |   |   |
| Parent company and other, net |   |           | 37,202 |   |   |   | 53,180 |
|                          |   |           |   |   |   |   |   |
| Consolidated Totals           |   | $              | 5,064,936 |   |   | $ | 5,131,940 |

| (1) | Effective March 31, 2010, Bank of Auburn Hills and Paragon Bank & Trust merged with and into Michigan Commerce Bank.  Prior to the merger, Bank of Auburn Hills and Paragon Bank & Trust were wholly-owned subsidiaries of Capitol.                                                                                                                                                                                       |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | Effective January 29, 2010, Black Mountain Community Bank, Desert Community Bank and Red Rock Community Bank merged with and into Bank of Las Vegas.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                                                            |
| (3) | Effective February 19, 2010, Bank of Bellevue, Bank of Everett and Bank of Tacoma merged with and into Issaquah Community Bank.  Upon completion of the merger, the surviving bank was renamed Bank of the Northwest.  Prior to the merger, each of the banks was either a majority-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest.       |
| (4) | Effective March 5, 2010, Bank of Escondido, Sunrise Bank of San Diego and Sunrise Community Bank merged with and into Point Loma Community Bank.  Upon completion of the merger, the surviving bank was renamed Sunrise Bank.  Prior to the merger, each of the banks was either a wholly-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest. |
| (5) | Effective March 22, 2010, Elkhart Community Bank merged with and into Goshen Community Bank.  Upon completion of the merger, the surviving bank was renamed Indiana Community Bank.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                   |

----

|                                                                        |   | 2010   |          |   | 2009   |   |
|-----------------------------------------------------------------------------|--------|--------|---------------|--------|--------|--------|
|                                                                        |   |   |          |   |   |   |
| Allowance for loan losses at beginning of period                            |   | $      | 144,664       |   |   | $      | 93,040 |   |
|                                                                        |   |   |          |   |   |   |   |   |
| Loans charged-off:                                                          |   |   |          |   |   |   |   |   |
| Loans secured by real estate:                                               |   |   |          |   |   |   |   |   |
| Commercial                                                                  |   |   | (10,588       | )      |   |   | (3,573 | ) |
| Residential (including multi-family)                                        |   |   | (12,493       | )      |   |   | (7,903 | ) |
| Construction, land development and other land                               |   |   |  (14,081 | )      |   |   |  (8,185 | ) |
| Total loans secured by real estate                                          |   |   | (37,162       | )      |   |   | (19,661 | ) |
| Commercial and other business-purpose loans                                 |   |   | (7,537        | )      |   |   | (8,202 | ) |
| Consumer                                                                    |   |   |  (161    | )      |   |   |  (292 | ) |
| Total charge-offs                                                           |   |   | (44,860       | )      |   |   | (28,155 | ) |
| Recoveries:                                                                 |   |   |          |   |   |   |   |   |
| Loans secured by real estate:                                               |   |   |          |   |   |   |   |   |
| Commercial                                                                  |   |   | 358           |   |   |   | 102 |   |
| Residential (including multi-family)                                        |   |   | 108           |   |   |   | 47 |   |
| Construction, land development and other land                               |   |   |  1,321   |   |   |   |  119 |   |
| Total loans secured by real estate                                          |   |   | 1,787         |   |   |   | 268 |   |
| Commercial and other business-purpose loans                                 |   |   | 695           |   |   |   | 544 |   |
| Consumer                                                                    |   |   | 19            |   |   |   | 15 |   |
| Other                                                                       |   |   |  --      |   |   |   |  1 |   |
| Total recoveries                                                            |   |   |  2,501   |   |   |   |  828 |   |
| Net charge-offs                                                             |   |   | (42,359       | )      |   |   | (27,327 | ) |
| Additions to allowance charged to expense                                   |   |   |  50,100  |   |   |   |  33,916 |   |
|                                                                        |   |   |          |   |   |   |   |   |
| Allowance for loan losses at March 31                                       |   | $      | 152,405       |   |   | $      | 99,629 |   |
|                                                                        |   |   |          |   |   |   |   |   |
| Average total portfolio loans for the period                                |   | $      | 3,990,918     |   |   | $      | 4,722,595 |   |
|                                                                        |   |   |          |   |   |   |   |   |
| Ratio of net charge-offs (annualized) to average portfolioloans outstanding |   |   |  4.25    | %      |   |   |  2.31 | % |

----

|                                         |   | March 31, 2010     |         |   | December 31, 2009                |   |
|----------------------------------------------|--------|--------------------|--------------|--------|----------------------------------|--------|
|                                         |   |   Amount |         |   | Percentageof TotalPortfolioLoans |   |   |   Amount |   |   | Percentageof TotalPortfolioLoans |   |
|                                         |
|                                         |
|                                         |
|                                         |   |               |         |   |                             |   |   |   |   |   |   |   |
| Loans secured by real estate:                |   |               |         |   |                             |   |   |   |   |   |   |   |
| Commercial                                   |   | $                  | 49,136       |   |                             |   | 1.26 | % |   | $ | 57,216 |   |   |   | 1.41 | % |
| Residential (including multi-family)         |   |               | 36,122       |   |                             |   | 0.92 | % |   |   | 28,331 |   |   |   | 0.70 | % |
| Construction, land development andother land |   |               |  27,300 |   |                             |   | 0.70 | % |   |   |  22,864 |   |   |   | 0.57 | % |
| Total loans secured by real estate           |   |               | 112,558      |   |                             |   | 2.88 | % |   |   | 108,411 |   |   |   | 2.68 | % |
| Commercial and other business-purpose loans  |   |               | 38,028       |   |                             |   | 0.97 | % |   |   | 34,638 |   |   |   | 0.85 | % |
| Consumer                                     |   |               | 1,613        |   |                             |   | 0.04 | % |   |   | 1,405 |   |   |   | 0.03 | % |
| Other                                        |   |               | 206          |   |                             |   | 0.01 | % |   |   | 210 |   |   |   | 0.01 | % |
|                                         |   |               |         |   |                             |   |   |   |   |   |   |   |   |   |   |   |
| Total allowance for loan losses              |   | $                  | 152,405      |   |                             |   | 3.90 | % |   | $ | 144,664 |   |   |   | 3.57 | % |

----

|                                                |   | March 31,2010 |          |   | December 31,2009 |
|-----------------------------------------------------|--------|---------------|---------------|--------|------------------|
| Nonaccrual loans:                                   |   |          |          |   |             |
| Loans secured by real estate:                       |   |          |          |   |             |
| Commercial                                          |   | $             | 156,086       |   |             | $ | 131,990 |
| Residential (including multi-family)                |   |          | 64,731        |   |             |   | 55,553 |
| Construction, land development and other land       |   |          | 83,483        |   |             |   | 84,276 |
| Total loans secured by real estate                  |   |          | 304,300       |   |             |   | 271,819 |
| Commercial and other business-purpose loans         |   |          | 27,342        |   |             |   | 23,063 |
| Consumer                                            |   |          | 518           |   |             |   | 380 |
| Total nonaccrual loans                              |   |          | 332,160       |   |             |   | 295,262 |
|                                                |   |          |          |   |             |   |   |
| Past due (>90 days) loans and accruing interest: |   |          |          |   |             |   |   |
| Loans secured by real estate:                       |   |          |          |   |             |   |   |
| Commercial                                          |   |          | 5,896         |   |             |   | 6,234 |
| Residential (including multi-family)                |   |          | 768           |   |             |   | 228 |
| Construction, land development and other land       |   |          | 3,035         |   |             |   | 3,713 |
| Total loans secured by real estate                  |   |          | 9,699         |   |             |   | 10,175 |
| Commercial and other business-purpose loans         |   |          | 2,108         |   |             |   | 1,546 |
| Consumer                                            |   |          | 12            |   |             |   | 534 |
| Total past due loans                                |   |          | 11,819        |   |             |   | 12,255 |
|                                                |   |          |          |   |             |   |   |
| Total nonperforming loans                           |   | $             | 343,979       |   |             | $ | 307,517 |
|                                                |   |          |          |   |             |   |   |
| Real estate owned and otherrepossessed assets       |   |          |  110,216 |   |             |   |  111,885 |
|                                                |   |          |          |   |             |   |   |
| Total nonperforming assets                          |   | $             | 454,195       |   |             | $ | 419,402 |

----

|                                                |   | March 31,2010 |    |   | December 31,2009 |
|-----------------------------------------------------|--------|---------------|---------|--------|------------------|
| Impaired loans:                                     |   |          |    |   |             |
| Loans which have an allowance requirement           |   | $             | 137,778 |   |             | $ | 114,782 |
| Loans which do not have an allowance requirement    |   |          | 241,052 |   |             |   | 217,949 |
| Total impaired loans                                |   | $             | 378,830 |   |             | $ | 332,731 |
|                                                |   |          |    |   |             |   |   |
| Allowance for loan losses related to impaired loans |   | $             | 27,213  |   |             | $ | 20,138 |

----

----

|                            |   |                  |      |   | Allowance for |   |      |                |   |   | Allowance as a Percentage |   |
|---------------------------------|--------|-----------------------|-----------|--------|---------------|--------|-----------|---------------------|--------|--------|---------------------------|--------|
|                            |   | Total Portfolio Loans |      |   | Loan Losses   |   |      | Nonperforming Loans |   |   | of Total Portfolio Loans  |   |
|                            |   | March 31,2010         |      |   | Dec 31,2009   |   |      | March 31,2010       |   |   | Dec 31,2009               |   |   | March 31,2010 |   |   | Dec 31,2009 |   |   | March 31,2010 |   |   | Dec 31,2009 |   |
| Arizona Region:                 |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Tucson                  |   | $                     | 164,835   |   |          | $      | 168,809   |                |   | $      | 2,116                     |   |   | $ | 1,904 |   |   | $ | 4,262 |   |   | $ | 5,110 |   |   |   | 1.28 | % |   |   | 1.13 | % |
| Central Arizona Bank            |   |                  | 61,581    |   |          |   | 66,058    |                |   |   | 1,726                     |   |   |   | 3,389 |   |   |   | 3,511 |   |   |   | 3,132 |   |   |   | 2.80 | % |   |   | 5.13 | % |
| Southern Arizona Community Bank |   |                  | 79,077    |   |          |   | 79,190    |                |   |   | 1,090                     |   |   |   | 1,150 |   |   |   | 688 |   |   |   | 848 |   |   |   | 1.38 | % |   |   | 1.45 | % |
| Sunrise Bank of Albuquerque     |   |                  | 58,788    |   |          |   | 61,077    |                |   |   | 1,387                     |   |   |   | 1,256 |   |   |   | 3,231 |   |   |   | 3,436 |   |   |   | 2.36 | % |   |   | 2.06 | % |
| Sunrise Bank of Arizona         |   |                  | 317,567   |   |          |   | 346,134   |                |   |   | 14,753                    |   |   |   | 17,382 |   |   |   | 43,052 |   |   |   | 32,929 |   |   |   | 4.65 | % |   |   | 5.02 | % |
| Arizona Region Total            |   |                  | 681,848   |   |          |   | 721,268   |                |   |   | 21,072                    |   |   |   | 25,081 |   |   |   | 54,744 |   |   |   | 45,455 |   |   |   | 3.09 | % |   |   | 3.48 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| California Region:              |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Feather River           |   |                  | 27,181    |   |          |   | 26,941    |                |   |   | 345                       |   |   |   | 347 |   |   |   |   |   |   |   |   |   |   |   | 1.27 | % |   |   | 1.29 | % |
| Bank of San Francisco           |   |                  | 77,265    |   |          |   | 74,782    |                |   |   | 1,525                     |   |   |   | 1,384 |   |   |   | 242 |   |   |   | 243 |   |   |   | 1.97 | % |   |   | 1.85 | % |
| Napa Community Bank             |   |                  | 140,196   |   |          |   | 139,497   |                |   |   | 2,980                     |   |   |   | 2,493 |   |   |   | 6,081 |   |   |   | 3,746 |   |   |   | 2.13 | % |   |   | 1.79 | % |
| Sunrise Bank(4)                 |   |                  | 212,948   |   |          |   | 214,682   |                |   |   | 7,341                     |   |   |   | 6,731 |   |   |   | 8,024 |   |   |   | 8,692 |   |   |   | 3.45 | % |   |   | 3.14 | % |
| California Region Total         |   |                  | 457,590   |   |          |   | 455,902   |                |   |   | 12,191                    |   |   |   | 10,955 |   |   |   | 14,347 |   |   |   | 12,681 |   |   |   | 2.66 | % |   |   | 2.40 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Colorado Region:                |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fort Collins Commerce Bank      |   |                  | 86,209    |   |          |   | 83,047    |                |   |   | 1,701                     |   |   |   | 1,308 |   |   |   | 1,282 |   |   |   | 1,291 |   |   |   | 1.97 | % |   |   | 1.58 | % |
| Larimer Bank of Commerce        |   |                  | 82,113    |   |          |   | 79,239    |                |   |   | 1,844                     |   |   |   | 1,467 |   |   |   |   |   |   |   |   |   |   |   | 2.25 | % |   |   | 1.85 | % |
| Loveland Bank of Commerce       |   |                  | 35,075    |   |          |   | 33,582    |                |   |   | 590                       |   |   |   | 560 |   |   |   | 119 |   |   |   | 156 |   |   |   | 1.68 | % |   |   | 1.67 | % |
| Mountain View Bank of Commerce  |   |                  | 42,348    |   |          |   | 40,201    |                |   |   | 651                       |   |   |   | 621 |   |   |   |   |   |   |   |   |   |   |   | 1.54 | % |   |   | 1.54 | % |
| Colorado Region Total           |   |                  | 245,745   |   |          |   | 236,069   |                |   |   | 4,786                     |   |   |   | 3,956 |   |   |   | 1,401 |   |   |   | 1,447 |   |   |   | 1.95 | % |   |   | 1.68 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Great Lakes Region:             |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Maumee                  |   |                  | 38,937    |   |          |   | 40,269    |                |   |   | 1,015                     |   |   |   | 918 |   |   |   | 1,310 |   |   |   | 810 |   |   |   | 2.61 | % |   |   | 2.28 | % |
| Bank of Michigan                |   |                  | 62,531    |   |          |   | 64,374    |                |   |   | 1,068                     |   |   |   | 1,172 |   |   |   | 1,799 |   |   |   | 844 |   |   |   | 1.71 | % |   |   | 1.82 | % |
| Capitol National Bank           |   |                  | 162,959   |   |          |   | 173,338   |                |   |   | 7,792                     |   |   |   | 7,920 |   |   |   | 20,104 |   |   |   | 21,346 |   |   |   | 4.78 | % |   |   | 4.57 | % |
| Evansville Commerce Bank        |   |                  | 43,070    |   |          |   | 44,179    |                |   |   | 1,162                     |   |   |   | 1,338 |   |   |   | 1,294 |   |   |   | 1,244 |   |   |   | 2.70 | % |   |   | 3.03 | % |
| Indiana Community Bank(5)       |   |                  | 127,153   |   |          |   | 133,051   |                |   |   | 4,314                     |   |   |   | 4,130 |   |   |   | 8,012 |   |   |   | 9,278 |   |   |   | 3.39 | % |   |   | 3.10 | % |
| Michigan Commerce Bank(1)       |   |                  | 985,657   |   |          |   | 1,045,285 |                |   |   | 60,821                    |   |   |   | 53,953 |   |   |   | 116,633 |   |   |   | 117,806 |   |   |   | 6.17 | % |   |   | 5.16 | % |
| Ohio Commerce Bank              |   |                  | 54,763    |   |          |   | 56,739    |                |   |   | 961                       |   |   |   | 910 |   |   |   | 299 |   |   |   | 206 |   |   |   | 1.75 | % |   |   | 1.60 | % |
| Great Lakes Region Total        |   |                  | 1,475,070 |   |          |   | 1,557,235 |                |   |   | 77,133                    |   |   |   | 70,341 |   |   |   | 149,451 |   |   |   | 151,534 |   |   |   | 5.23 | % |   |   | 4.52 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Midwest Region:                 |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adams Dairy Bank                |   |                  | 36,283    |   |          |   | 35,860    |                |   |   | 864                       |   |   |   | 655 |   |   |   |   |   |   |   |   |   |   |   | 2.38 | % |   |   | 1.83 | % |
| Bank of Belleville              |   |                  | 55,034    |   |          |   | 58,510    |                |   |   | 938                       |   |   |   | 938 |   |   |   | 1,176 |   |   |   |   |   |   |   | 1.70 | % |   |   | 1.60 | % |
| Community Bank of Lincoln       |   |                  | 42,034    |   |          |   | 44,864    |                |   |   | 1,233                     |   |   |   | 1,195 |   |   |   | 1,740 |   |   |   | 1,661 |   |   |   | 2.93 | % |   |   | 2.66 | % |
| Midwest Region Total            |   |                  | 133,351   |   |          |   | 139,234   |                |   |   | 3,035                     |   |   |   | 2,788 |   |   |   | 2,916 |   |   |   | 1,661 |   |   |   | 2.28 | % |   |   | 2.00 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nevada Region:                  |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1st Commerce Bank               |   |                  | 31,466    |   |          |   | 33,482    |                |   |   | 1,280                     |   |   |   | 1,910 |   |   |   | 7,492 |   |   |   | 7,531 |   |   |   | 4.07 | % |   |   | 5.70 | % |
| Bank of Las Vegas(2)            |   |                  | 358,822   |   |          |   | 370,285   |                |   |   | 15,510                    |   |   |   | 11,952 |   |   |   | 78,404 |   |   |   | 59,219 |   |   |   | 4.32 | % |   |   | 3.23 | % |
| Nevada Region Total             |   |                  | 390,288   |   |          |   | 403,767   |                |   |   | 16,790                    |   |   |   | 13,862 |   |   |   | 85,896 |   |   |   | 66,750 |   |   |   | 4.30 | % |   |   | 3.43 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northeast Region:               |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| USNY Bank                       |   |                  | 59,831    |   |          |   | 57,849    |                |   |   | 970                       |   |   |   | 905 |   |   |   |   |   |   |   |   |   |   |   | 1.62 | % |   |   | 1.56 | % |
|                            |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northwest Region:               |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of the Northwest(3)        |   |                  | 130,933   |   |          |   | 134,669   |                |   |   | 4,959                     |   |   |   | 4,985 |   |   |   | 9,783 |   |   |   | 9,614 |   |   |   | 3.79 | % |   |   | 3.70 | % |
| High Desert Bank                |   |                  | 33,583    |   |          |   | 34,203    |                |   |   | 1,070                     |   |   |   | 805 |   |   |   | 1,481 |   |   |   | 644 |   |   |   | 3.19 | % |   |   | 2.35 | % |
| Northwest Region Total          |   |                  | 164,516   |   |          |   | 168,872   |                |   |   | 6,029                     |   |   |   | 5,790 |   |   |   | 11,264 |   |   |   | 10,258 |   |   |   | 3.66 | % |   |   | 3.43 | % |

----

|                          |   |                  |      |   | Allowance for |   |      |                |   |   | Allowance as a Percentage |   |
|-------------------------------|--------|-----------------------|-----------|--------|---------------|--------|-----------|---------------------|--------|--------|---------------------------|--------|
|                          |   | Total Portfolio Loans |      |   | Loan Losses   |   |      | Nonperforming Loans |   |   | of Total Portfolio Loans  |   |
|                          |   | March 31,2010         |      |   | Dec 31,2009   |   |      | March 31,2010       |   |   | Dec 31,2009               |   |   | March 31,2010 |   |   | Dec 31,2009 |   |   | March 31,2010 |   |   | Dec 31,2009 |   |
| Southeast Region:             |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Valdosta              |   | $                     | 40,290    |   |          | $      | 42,052    |                |   | $      | 846                       |   |   | $ | 1,002 |   |   | $ | 1,656 |   |   | $ | 1,186 |   |   |   | 2.10 | % |   |   | 2.38 | % |
| First Carolina State Bank     |   |                  | 85,519    |   |          |   | 90,919    |                |   |   | 1,888                     |   |   |   | 1,554 |   |   |   | 5,211 |   |   |   | 6,161 |   |   |   | 2.21 | % |   |   | 1.71 | % |
| Peoples State Bank            |   |                  | 17,698    |   |          |   | 18,706    |                |   |   | 408                       |   |   |   | 539 |   |   |   | 1,125 |   |   |   | 1,075 |   |   |   | 2.31 | % |   |   | 2.88 | % |
| Pisgah Community Bank         |   |                  | 38,286    |   |          |   | 45,094    |                |   |   | 1,164                     |   |   |   | 1,168 |   |   |   | 3,791 |   |   |   | 401 |   |   |   | 3.04 | % |   |   | 2.59 | % |
| Sunrise Bank of Atlanta       |   |                  | 41,775    |   |          |   | 43,167    |                |   |   | 2,052                     |   |   |   | 2,611 |   |   |   | 7,263 |   |   |   | 5,667 |   |   |   | 4.91 | % |   |   | 6.05 | % |
| Southeast Region Total        |   |                  | 223,568   |   |          |   | 239,938   |                |   |   | 6,358                     |   |   |   | 6,874 |   |   |   | 19,046 |   |   |   | 14,490 |   |   |   | 2.84 | % |   |   | 2.86 | % |
|                          |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Texas Region:                 |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Fort Bend             |   |                  | 30,199    |   |          |   | 29,215    |                |   |   | 550                       |   |   |   | 485 |   |   |   | 23 |   |   |   |   |   |   |   | 1.82 | % |   |   | 1.66 | % |
| Bank of Las Colinas           |   |                  | 36,269    |   |          |   | 34,725    |                |   |   | 750                       |   |   |   | 731 |   |   |   |   |   |   |   |   |   |   |   | 2.07 | % |   |   | 2.11 | % |
| Texas Region Total            |   |                  | 66,468    |   |          |   | 63,940    |                |   |   | 1,300                     |   |   |   | 1,216 |   |   |   | 23 |   |   |   |   |   |   |   | 1.96 | % |   |   | 1.90 | % |
|                          |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Parent company and other, net |   |                  | 9,486     |   |          |   | 3,027     |                |   |   | 2,741                     |   |   |   | 2,896 |   |   |   | 4,891 |   |   |   | 3,241 |   |   |   | 28.90 | % |   |   | 95.67 | % |
|                          |   |                  |      |   |          |   |      |                |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consolidated totals           |   | $                     | 3,907,761 |   |          | $      | 4,047,101 |                |   | $      | 152,405                   |   |   | $ | 144,664 |   |   | $ | 343,979 |   |   | $ | 307,517 |   |   |   | 3.90 | % |   |   | 3.57 | % |

| (1) | Effective March 31, 2010, Bank of Auburn Hills and Paragon Bank & Trust merged with and into Michigan Commerce Bank.  Prior to the merger, Bank of Auburn Hills and Paragon Bank & Trust were wholly-owned subsidiaries of Capitol.                                                                                                                                                                                       |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | Effective January 29, 2010, Black Mountain Community Bank, Desert Community Bank and Red Rock Community Bank merged with and into Bank of Las Vegas.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                                                            |
| (3) | Effective February 19, 2010, Bank of Bellevue, Bank of Everett and Bank of Tacoma merged with and into Issaquah Community Bank.  Upon completion of the merger, the surviving bank was renamed Bank of the Northwest.  Prior to the merger, each of the banks was either a majority-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest.       |
| (4) | Effective March 5, 2010, Bank of Escondido, Sunrise Bank of San Diego and Sunrise Community Bank merged with and into Point Loma Community Bank.  Upon completion of the merger, the surviving bank was renamed Sunrise Bank.  Prior to the merger, each of the banks was either a wholly-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest. |
| (5) | Effective March 22, 2010, Elkhart Community Bank merged with and into Goshen Community Bank.  Upon completion of the merger, the surviving bank was renamed Indiana Community Bank.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                   |

----

----

|                                                                                 |   | Three Months Ended March 31 |
|--------------------------------------------------------------------------------------|--------|-----------------------------|
|                                                                                 |   | 2010                        |   |   | 2009 |
|                                                                                 |   |                        |   |   |   |
| Professional fees                                                                    |   | $                           | 2,289 |   |   | $ | 301 |
| Loan and collection expense                                                          |   |                        | 1,036 |   |   |   | 590 |
| Legal fees                                                                           |   |                        | 998 |   |   |   | 459 |
| Advertising                                                                          |   |                        | 496 |   |   |   | 507 |
| Directors' fees                                                                      |   |                        | 487 |   |   |   | 683 |
| Paper, printing and supplies                                                         |   |                        | 431 |   |   |   | 498 |
| Bank services (ATMs, telephone     banking and Internet banking) |   |                        | 413 |   |   |   | 716 |
| Communications                                                                       |   |                        | 360 |   |   |   | 491 |
| Insurance                                                                            |   |                        | 340 |   |   |   | 173 |
| Postage                                                                              |   |                        | 320 |   |   |   | 317 |
| Travel, lodging and meals                                                            |   |                        | 316 |   |   |   | 392 |
| Dues and memberships                                                                 |   |                        | 207 |   |   |   | 207 |
| Taxes other than income taxes                                                        |   |                        | 202 |   |   |   | 225 |
| Courier service                                                                      |   |                        | 163 |   |   |   | 176 |
| Contracted labor                                                                     |   |                        | 118 |   |   |   | 40 |
| Publications                                                                         |   |                        | 55 |   |   |   | 54 |
| Other                                                                                |   |                        | 1,528 |   |   |   | 2,268 |
| Total                                                                                |   | $                           | 9,759 |   |   | $ | 8,097 |

----

|                            |   | Three Months Ended March 31 |   |
|---------------------------------|--------|-----------------------------|--------|
|                            |   | Total Revenues              |   |   | Net Income (Loss)(1) |   |   | Return onAverage Equity(2) |   |   | Return onAverage Assets(2) |   |
|                            |   | 2010                        |   |   | 2009 |   |   | 2010 |   |   | 2009 |   |   | 2010 |   |   | 2009 |   |   | 2010 |   |   | 2009 |   |
| Arizona Region:                 |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Tucson                  |   | $                           | 3,189  |   |   | $ | 3,305 |   |   | $ | 633 |   |   | $ | 646 |   |   |   | 13.12 | % |   |   | 15.05 | % |   |   | 1.21 | % |   |   | 1.35 | % |
| Central Arizona Bank            |   |                        | 631    |   |   |   | 942 |   |   |   | (1,011 | ) |   |   | (800 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Southern Arizona Community Bank |   |                        | 1,230  |   |   |   | 1,313 |   |   |   | 203 |   |   |   | (105 | ) |   |   | 8.45 | % |   |   |   |   |   |   | 0.86 | % |   |   |   |   |
| Sunrise Bank of Albuquerque     |   |                        | 957    |   |   |   | 1,062 |   |   |   | (677 | ) |   |   | (214 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Sunrise Bank of Arizona         |   |                        | 3,787  |   |   |   | 6,690 |   |   |   | (16,180 | ) |   |   | (6,822 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Yuma Community Bank(3)          |   |                        |   |   |   |   | 1,197 |   |   |   |   |   |   |   | 216 |   |   |   |   |   |   |   | 11.28 | % |   |   |   |   |   |   | 1.21 | % |
| Arizona Region Total            |   |                        | 9,794  |   |   |   | 14,509 |   |   |   | (17,032 | ) |   |   | (7,079 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| California Region:              |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Feather River           |   |                        | 566    |   |   |   | 458 |   |   |   | 30 |   |   |   | (10 | ) |   |   | 1.98 | % |   |   |   |   |   |   | 0.36 | % |   |   |   |   |
| Bank of San Francisco           |   |                        | 1,356  |   |   |   | 1,014 |   |   |   | 160 |   |   |   | 8 |   |   |   | 7.54 | % |   |   | 0.39 | % |   |   | 0.71 | % |   |   | 0.04 | % |
| Bank of Santa Barbara(4)        |   |                        |   |   |   |   | 929 |   |   |   |   |   |   |   | (323 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Napa Community Bank             |   |                        | 2,224  |   |   |   | 2,196 |   |   |   | (219 | ) |   |   | 487 |   |   |   |   |   |   |   | 12.76 | % |   |   |   |   |   |   | 1.38 | % |
| Sunrise Bank(8)                 |   |                        | 3,431  |   |   |   | 3,551 |   |   |   | (1,480 | ) |   |   | (1,476 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| California Region Total         |   |                        | 7,577  |   |   |   | 8,148 |   |   |   | (1,509 | ) |   |   | (1,314 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Colorado Region:                |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fort Collins Commerce Bank      |   |                        | 1,434  |   |   |   | 1,273 |   |   |   | 86 |   |   |   | 100 |   |   |   | 3.63 | % |   |   | 4.23 | % |   |   | 0.37 | % |   |   | 0.50 | % |
| Larimer Bank of Commerce        |   |                        | 1,330  |   |   |   | 1,285 |   |   |   | 55 |   |   |   | 132 |   |   |   | 2.77 | % |   |   | 6.73 | % |   |   | 0.25 | % |   |   | 0.62 | % |
| Loveland Bank of Commerce       |   |                        | 573    |   |   |   | 419 |   |   |   | 34 |   |   |   | 34 |   |   |   | 2.17 | % |   |   | 1.97 | % |   |   | 0.34 | % |   |   | 0.43 | % |
| Mountain View Bank of Commerce  |   |                        | 677    |   |   |   | 516 |   |   |   | 41 |   |   |   | (62 | ) |   |   | 2.31 | % |   |   |   |   |   |   | 0.33 | % |   |   |   |   |
| Colorado Region Total           |   |                        | 4,014  |   |   |   | 3,493 |   |   |   | 216 |   |   |   | 204 |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Great Lakes Region:             |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Maumee                  |   |                        | 633    |   |   |   | 671 |   |   |   | (138 | ) |   |   | (102 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Michigan                |   |                        | 1,155  |   |   |   | 1,157 |   |   |   | (175 | ) |   |   | (68 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Capitol National Bank           |   |                        | 2,604  |   |   |   | 3,143 |   |   |   | (642 | ) |   |   | (481 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Evansville Commerce Bank        |   |                        | 706    |   |   |   | 911 |   |   |   | (150 | ) |   |   | (54 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Indiana Community Bank(9)       |   |                        | 1,999  |   |   |   | 2,281 |   |   |   | (424 | ) |   |   | (383 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Michigan Commerce Bank(5)       |   |                        | 15,673 |   |   |   | 19,056 |   |   |   | (27,308 | ) |   |   | (8,581 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Ohio Commerce Bank              |   |                        | 1,011  |   |   |   | 667 |   |   |   | 128 |   |   |   | (76 | ) |   |   | 5.42 | % |   |   |   |   |   |   | 0.75 | % |   |   |   |   |
| Great Lakes Region Total        |   |                        | 23,781 |   |   |   | 27,886 |   |   |   | (28,709 | ) |   |   | (9,745 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Midwest Region                  |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adams Dairy Bank                |   |                        | 626    |   |   |   | 532 |   |   |   | (110 | ) |   |   | (25 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Belleville              |   |                        | 785    |   |   |   | 911 |   |   |   | 12 |   |   |   | (24 | ) |   |   | 0.68 | % |   |   |   |   |   |   | 0.07 | % |   |   |   |   |
| Community Bank of Lincoln       |   |                        | 658    |   |   |   | 857 |   |   |   | (202 | ) |   |   | (86 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Summit Bank of Kansas City(4)   |   |                        |   |   |   |   | 793 |   |   |   |   |   |   |   | (86 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Midwest Region Total            |   |                        | 2,069  |   |   |   | 3,093 |   |   |   | (300 | ) |   |   | (221 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nevada Region:                  |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1st Commerce Bank               |   |                        | 483    |   |   |   | 590 |   |   |   | (725 | ) |   |   | (159 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Las Vegas(6)            |   |                        | 4,973  |   |   |   | 6,802 |   |   |   | (9,381 | ) |   |   | (842 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nevada Region Total             |   |                        | 5,456  |   |   |   | 7,392 |   |   |   | (10,106 | ) |   |   | (1,001 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northeast Region:               |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| USNY Bank                       |   |                        | 1,004  |   |   |   | 617 |   |   |   | 203 |   |   |   | (172 | ) |   |   | 15.63 | % |   |   |   |   |   |   | 1.27 | % |   |   |   |   |
|                            |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northwest Region:               |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of the Northwest(7)        |   |                        | 2,079  |   |   |   | 2,368 |   |   |   | (731 | ) |   |   | (1,192 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| High Desert Bank                |   |                        | 563    |   |   |   | 575 |   |   |   | (291 | ) |   |   | (210 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northwest Region Total          |   |                        | 2,642  |   |   |   | 2,943 |   |   |   | (1,022 | ) |   |   | (1,402 | ) |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                          |   | Three Months Ended March 31 |   |
|-------------------------------|--------|-----------------------------|--------|
|                          |   | Total Revenues              |   |   | Net Income (Loss)(1) |   | Return onAverage Equity(2) |   | Return onAverage Assets(2) |   |
|                          |   | 2010                        |   |   | 2009 |   |   | 2010 |   |   | 2009 |   | 2010 |   |   | 2009 |   | 2010 |   |   | 2009 |   |
| Southeast Region:             |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Valdosta              |   | $                           | 628    |   |   | $ | 736 |   |   | $ | (228 | ) |   | $ | (158 | ) |   |   |   |   |   |   |   |   |   |   |
| Community Bank of Rowan(4)    |   |                        |   |   |   |   | 1,546 |   |   |   |   |   |   |   | 123 |   |   |   |   |   |   |   |   |   |   |   |
| First Carolina State Bank     |   |                        | 1,133  |   |   |   | 1,369 |   |   |   | (782 | ) |   |   | (299 | ) |   |   |   |   |   |   |   |   |   |   |
| Peoples State Bank            |   |                        | 305    |   |   |   | 334 |   |   |   | (203 | ) |   |   | (62 | ) |   |   |   |   |   |   |   |   |   |   |
| Pisgah Community Bank         |   |                        | 541    |   |   |   | 444 |   |   |   | (6,542 | ) |   |   | (163 | ) |   |   |   |   |   |   |   |   |   |   |
| Sunrise Bank of Atlanta       |   |                        | 770    |   |   |   | 969 |   |   |   | (1,097 | ) |   |   | (147 | ) |   |   |   |   |   |   |   |   |   |   |
| Southeast Region Total        |   |                        | 3,377  |   |   |   | 5,398 |   |   |   | (8,852 | ) |   |   | (706 | ) |   |   |   |   |   |   |   |   |   |   |
|                          |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Texas Region:                 |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Fort Bend             |   |                        | 494    |   |   |   | 298 |   |   |   | (50 | ) |   |   | (151 | ) |   |   |   |   |   |   |   |   |   |   |
| Bank of Las Colinas           |   |                        | 513    |   |   |   | 442 |   |   |   | (43 | ) |   |   | (118 | ) |   |   |   |   |   |   |   |   |   |   |
| Texas Region Total            |   |                        | 1,007  |   |   |   | 740 |   |   |   | (93 | ) |   |   | (269 | ) |   |   |   |   |   |   |   |   |   |   |
|                          |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Parent company and other, net |   |                        | 4,161  |   |   |   | (546 | )  |   |   | 5,264 |   |   |   | (6,202 | )  |   |   |   |   |   |   |   |   |   |   |
|                          |   |                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consolidated totals           |   | $                           | 64,882 |   |   | $ | 73,673 |   |   | $ | (61,940 | ) |   | $ | (27,907 | ) | -- |   |   | -- |   | -- |   |   | -- |   |

| (1) | Excludes net losses attributable to noncontrolling interests.                                                                                                                                                                                                                                                                                                                                                                               |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | Annualized for periods presented.                                                                                                                                                                                                                                                                                                                                                                                                           |
| (3) | Capitol sold its ownership in Yuma Community Bank effective September 21, 2009.  The Bank's operations are included in Capitol's consolidated totals through that date.                                                                                                                                                                                                                                                           |
| (4) | Bank of Santa Barbara, Community Bank of Rowan and Summit Bank of Kansas City are majority-owned subsidiaries of Capitol Development Bancorp Limited (CDBL) III of which Capitol ceased to have majority voting control effective September 30, 2009.  Thus, effective September 30, 2009, those banks and CDBL III ceased to be consolidated subsidiaries of Capitol.                                                            |
| (5) | Effective March 31, 2010, Bank of Auburn Hills and Paragon Bank & Trust merged with and into Michigan Commerce Bank.  Prior to the merger, Bank of Auburn Hills and Paragon Bank & Trust were wholly-owned subsidiaries of Capitol.                                                                                                                                                                                       |
| (6) | Effective January 29, 2010, Black Mountain Community Bank, Desert Community Bank and Red Rock Community Bank merged with and into Bank of Las Vegas.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                                                            |
| (7) | Effective February 19, 2010, Bank of Bellevue, Bank of Everett and Bank of Tacoma merged with and into Issaquah Community Bank.  Upon completion of the merger, the surviving bank was renamed Bank of the Northwest.  Prior to the merger, each of the banks was either majority-owned subsidiaries of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest.       |
| (8) | Effective March 5, 2010, Bank of Escondido, Sunrise Bank of San Diego and Sunrise Community Bank merged with and into Point Loma Community Bank.  Upon completion of the merger, the surviving bank was renamed Sunrise Bank.  Prior to the merger, each of the banks was either wholly-owned subsidiaries of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest. |
| (9) | Effective March 22, 2010, Elkhart Community Bank merged with and into Goshen Community Bank.  Upon completion of the merger, the surviving bank was renamed Indiana Community Bank.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                   |

----

----

|                                                |   | Tier 1 Leverage |   |   | Tier 1 Risk-Based   |   |   | Total Risk-Based    |   |   |                         |
|-----------------------------------------------------|--------|-----------------|--------|--------|---------------------|--------|--------|---------------------|--------|--------|------------------------------|
|                                                |   | Ratio(1)(5)     |   |   | Capital Ratio(1)(5) |   |   | Capital Ratio(2)(5) |   |   | Regulatory Classification(3) |
|                                                |   | Mar 31,2010     |   |   | Dec 31,2009         |   |   | Mar 31,2010         |   |   | Dec 31,2009                  |   |   | Mar 31,2010 |   |   | Dec 31,2009 |   |   | Mar 31,2010 |   | Dec 31,2009 |
| Arizona Region:                                     |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Tucson                                      |   |            | 9.22   | %      |                |   | 9.67   | %                   |   |   | 11.50                        | % |   |   | 10.78 | % |   |   | 12.74 | % |   |   | 11.86 | % |   | well-capitalized |   | well-capitalized |
| Central Arizona Bank                                |   |            | 3.38   | %      |                |   | 5.13   | %                   |   |   | 4.86                         | % |   |   | 7.13 | % |   |   | 6.12 | % |   |   | 8.42 | % |   | undercapitalized |   | adequately-capitalized |
| Southern Arizona CommunityBank                      |   |            | 9.32   | %      |                |   | 9.47   | %                   |   |   | 11.62                        | % |   |   | 11.03 | % |   |   | 12.87 | % |   |   | 12.28 | % |   |  well-capitalized |   |  well-capitalized |
| Sunrise Bank of Albuquerque                         |   |            | 5.25   | %      |                |   | 6.27   | %                   |   |   | 7.09                         | % |   |   | 8.07 | % |   |   | 8.36 | % |   |   | 9.33 | % |   | adequately-capitalized(6) |   | adequately-capitalized(6) |
| Sunrise Bank of Arizona                             |   |            | 2.99   | %      |                |   | 3.62   | %                   |   |   | 3.82                         | % |   |   | 5.01 | % |   |   | 5.10 | % |   |   | 6.30 | % |   | significantly-undercapitalized(6) |   | undercapitalized(6) |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| California Region:                                  |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Feather River(4)                            |   |            | 18.38  | %      |                |   | 18.59  | %                   |   |   | 25.92                        | % |   |   | 25.84 | % |   |   | 27.17 | % |   |   | 27.09 | % |   | well-capitalized |   | well-capitalized |
| Bank of San Francisco                               |   |            | 8.81   | %      |                |   | 9.12   | %                   |   |   | 10.16                        | % |   |   | 10.37 | % |   |   | 11.42 | % |   |   | 11.63 | % |   | well-capitalized |   | well-capitalized |
| Napa Community Bank                                 |   |            | 9.16   | %      |                |   | 9.82   | %                   |   |   | 10.17                        | % |   |   | 10.48 | % |   |   | 11.43 | % |   |   | 11.74 | % |   | well-capitalized |   | well-capitalized |
| Sunrise Bank(10)                                    |   |            | 7.90   | %      |                |   | 7.97   | %                   |   |   | 10.72                        | % |   |   | 10.57 | % |   |   | 12.00 | % |   |   | 11.83 | % |   | well-capitalized |   | well-capitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Colorado Region:                                    |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Fort Collins Commerce Bank                          |   |            | 9.85   | %      |                |   | 10.35  | %                   |   |   | 11.43                        | % |   |   | 11.77 | % |   |   | 12.69 | % |   |   | 13.03 | % |   | well-capitalized |   | well-capitalized |
| Larimer Bank of Commerce(4)                         |   |            | 8.71   | %      |                |   | 8.70   | %                   |   |   | 10.80                        | % |   |   | 10.96 | % |   |   | 12.06 | % |   |   | 12.22 | % |   | well-capitalized |   | well-capitalized |
| Loveland Bank of Commerce(4)                        |   |            | 15.58  | %      |                |   | 15.48  | %                   |   |   | 17.87                        | % |   |   | 18.01 | % |   |   | 19.13 | % |   |   | 19.26 | % |   | well-capitalized |   | well-capitalized |
| Mountain View Bank of    Commerce(4) |   |            | 14.01  | %      |                |   | 14.20  | %                   |   |   | 18.32                        | % |   |   | 17.99 | % |   |   | 19.58 | % |   |   | 19.24 | % |   |  well-capitalized |   |  well-capitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Great Lakes Region:                                 |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Maumee(4)                                   |   |            | 8.74   | %      |                |   | 8.50   | %                   |   |   | 10.68                        | % |   |   | 10.42 | % |   |   | 11.95 | % |   |   | 11.68 | % |   | well-capitalized |   | well-capitalized |
| Bank of Michigan                                    |   |            | 6.28   | %      |                |   | 7.11   | %                   |   |   | 10.92                        | % |   |   | 11.19 | % |   |   | 12.17 | % |   |   | 12.44 | % |   | well-capitalized |   | well-capitalized |
| Capitol National Bank                               |   |            | 6.22   | %      |                |   | 6.45   | %                   |   |   | 7.69                         | % |   |   | 8.15 | % |   |   | 8.99 | % |   |   | 9.44 | % |   | adequately-capitalized(6) |   | adequately-capitalized(6) |
| Evansville Commerce Bank(4)                         |   |            | 8.37   | %      |                |   | 8.01   | %                   |   |   | 11.16                        | % |   |   | 11.28 | % |   |   | 12.43 | % |   |   | 12.55 | % |   | well-capitalized |   | well-capitalized |
| Indiana Community Bank(11)                          |   |            | 12.09  | %      |                |   | 8.11   | %                   |   |   | 8.36                         | % |   |   | 10.81 | % |   |   | 9.64 | % |   |   | 12.08 | % |   | adequately-capitalized(6) |   | adequately-capitalized(6) |
| Michigan Commerce Bank(7)                           |   |            | 2.59   | %      |                |   | 4.03   | %                   |   |   | 3.19                         | % |   |   | 5.00 | % |   |   | 4.51 | % |   |   | 6.30 | % |   | significantly-undercapitalized(6) |   | undercapitalized(6) |
| Ohio Commerce Bank(4)                               |   |            | 13.66  | %      |                |   | 13.57  | %                   |   |   | 16.73                        | % |   |   | 16.16 | % |   |   | 17.99 | % |   |   | 17.41 | % |   | well-capitalized |   | well-capitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Midwest Region:                                     |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Adams Dairy Bank(4)                                 |   |            | 16.14  | %      |                |   | 16.30  | %                   |   |   | 21.29                        | % |   |   | 21.04 | % |   |   | 22.24 | % |   |   | 22.00 | % |   | well-capitalized |   | well-capitalized |
| Bank of Belleville                                  |   |            | 9.47   | %      |                |   | 8.90   | %                   |   |   | 12.64                        | % |   |   | 11.81 | % |   |   | 13.90 | % |   |   | 13.06 | % |   | well-capitalized |   | well-capitalized |
| Community Bank of Lincoln(4)                        |   |            | 8.35   | %      |                |   | 9.11   | %                   |   |   | 13.74                        | % |   |   | 12.82 | % |   |   | 15.02 | % |   |   | 14.09 | % |   | well-capitalized |   | well-capitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Nevada Region:                                      |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| 1st Commerce Bank(4)                                |   |            | 4.78   | %      |                |   | 7.08   | %                   |   |   | 6.72                         | % |   |   | 8.89 | % |   |   | 8.01 | % |   |   | 10.20 | % |   | adequately-capitalized |   | well-capitalized |
| Bank of Las Vegas(8)                                |   |            | 3.66   | %      |                |   | 5.08   | %                   |   |   | 4.75                         | % |   |   | 6.25 | % |   |   | 6.04 | % |   |   | 7.51 | % |   | undercapitalized |   | undercapitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northeast Region:                                   |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| USNY Bank(4)                                        |   |            | 8.29   | %      |                |   | 8.30   | %                   |   |   | 9.80                         | % |   |   | 9.67 | % |   |   | 11.05 | % |   |   | 10.93 | % |   | well-capitalized |   | well-capitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Northwest Region:                                   |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of the Northwest(9)                            |   |            | 9.16   | %      |                |   | 15.16  | %                   |   |   | 12.74                        | % |   |   | 20.75 | % |   |   | 14.02 | % |   |   | 22.01 | % |   | adequately-capitalized(6) |   | well-capitalized |
| High Desert Bank(4)                                 |   |            | 8.61   | %      |                |   | 8.45   | %                   |   |   | 10.97                        | % |   |   | 11.28 | % |   |   | 12.25 | % |   |   | 12.55 | % |   | adequately-capitalized(6) |   | adequately-capitalized(6) |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Southeast Region:                                   |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Valdosta(4)                                 |   |            | 6.82   | %      |                |   | 7.12   | %                   |   |   | 10.99                        | % |   |   | 11.19 | % |   |   | 12.26 | % |   |   | 12.46 | % |   | adequately-capitalized(6) |   | adequately-capitalized(6) |
| First Carolina State Bank                           |   |            | 6.33   | %      |                |   | 7.08   | %                   |   |   | 8.84                         | % |   |   | 9.18 | % |   |   | 10.11 | % |   |   | 10.44 | % |   | well-capitalized |   | well-capitalized |
| Peoples State Bank                                  |   |            | 7.58   | %      |                |   | 8.67   | %                   |   |   | 11.45                        | % |   |   | 13.07 | % |   |   | 12.71 | % |   |   | 14.34 | % |   | well-capitalized |   | well-capitalized |
| Pisgah Community Bank(4)                            |   |            | 1.48   | %      |                |   | 10.17  | %                   |   |   | 2.37                         | % |   |   | 14.39 | % |   |   | 3.65 | % |   |   | 15.66 | % |   | critically-undercapitalized |   | well-capitalized |
| Sunrise Bank of Atlanta(4)                          |   |            | 5.45   | %      |                |   | 3.92   | %                   |   |   | 6.89                         | % |   |   | 4.91 | % |   |   | 8.18 | % |   |   | 6.22 | % |   | adequately-capitalized |   | undercapitalized |
|                                                |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                   |   | Tier 1 Leverage |   |   | Tier 1 Risk-Based   |   |   | Total Risk-Based    |   |   |                         |
|------------------------|--------|-----------------|--------|--------|---------------------|--------|--------|---------------------|--------|--------|------------------------------|
|                   |   | Ratio(1)(5)     |   |   | Capital Ratio(1)(5) |   |   | Capital Ratio(2)(5) |   |   | Regulatory Classification(3) |
|                   |   | Mar 31,2010     |   |   | Dec 31,2009         |   |   | Mar 31,2010         |   |   | Dec 31,2009                  |   |   | Mar 31,2010 |   |   | Dec 31,2009 |   |   | Mar 31,2010 |   | Dec 31,2009 |
| Texas Region:          |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |
| Bank of Fort Bend(4)   |   |            | 15.43  | %      |                |   | 16.05  | %                   |   |   | 19.03                        | % |   |   | 19.76 | % |   |   | 20.29 | % |   |   | 21.01 | % |   | well-capitalized |   | well-capitalized |
| Bank of Las Colinas(4) |   |            | 12.98  | %      |                |   | 12.56  | %                   |   |   | 15.37                        | % |   |   | 16.54 | % |   |   | 16.63 | % |   |   | 17.81 | % |   | well-capitalized |   | well-capitalized |
|                   |   |            |   |   |                |   |   |                |   |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Consolidated totals    |   |            | 3.23   | %      |                |   | 4.61   | %                   |   |   | 4.22                         | % |   |   | 5.99 | % |   |   | 8.30 | % |   |   | 9.46 | % |   | undercapitalized |   | adequately-capitalized |

| (1)  | The minimum required Tier 1 leverage ratio and Tier 1 risk-based capital ratio is 4% (8% for de novo institutions).                                                                                                                                                                                                                                                                                                                                        |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2)  | The minimum required total risk-based capital ratio is 8%.                                                                                                                                                                                                                                                                                                                                                                                                 |
| (3)  | In order to be classified as a 'well-capitalized' institution, the total risk-based capital ratio must be 10% or more.  To be classified as an 'adequately-capitalized' institution, the total risk-based capital ratio must be between 8% and 10%.  Institutions are classified as 'undercapitalized' when the total risk-based ratio is between 6% and 8% and 'significantly-undercapitalized' when such ratio is between 4% and 6%. |
| (4)  | De novo institution which is subject to higher minimum ratio requirements as noted in (1) above for the first three years of operations.                                                                                                                                                                                                                                                                                                                   |
| (5)  | Ratios are based on the regulatory reports filed at original due date which is generally within 30 days after quarter-end.                                                                                                                                                                                                                                                                                                                                 |
| (6)  | Institution is subject to a regulatory agreement and, accordingly, cannot be classified better than adequately-capitalized.                                                                                                                                                                                                                                                                                                                                |
| (7)  | Effective March 31, 2010, Bank of Auburn Hills and Paragon Bank & Trust merged with and into Michigan Commerce Bank.  Prior to the merger, Bank of Auburn Hills and Paragon Bank & Trust were wholly-owned subsidiaries of Capitol.                                                                                                                                                                                                      |
| (8)  | Effective January 29, 2010, Black Mountain Community Bank, Desert Community Bank and Red Rock Community Bank merged with and into Bank of Las Vegas.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                                                                           |
| (9)  | Effective February 19, 2010, Bank of Bellevue, Bank of Everett and Bank of Tacoma merged with and into Issaquah Community Bank.  Upon completion of the merger, the surviving bank was renamed Bank of the Northwest.  Prior to the merger, each of the banks was either a majority-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest.                      |
| (10) | Effective March 5, 2010, Bank of Escondido, Sunrise Bank of San Diego and Sunrise Community Bank merged with and into Point Loma Community Bank.  Upon completion of the merger, the surviving bank was renamed Sunrise Bank.  Prior to the merger, each of the banks was either a wholly-owned subsidiary of Capitol or majority-owned by a bank-development subsidiary in which Capitol holds a controlling interest.                |
| (11) | Effective March 22, 2010, Elkhart Community Bank merged with and into Goshen Community Bank.  Upon completion of the merger, the surviving bank was renamed Indiana Community Bank.  Prior to the merger, each of the banks was a wholly-owned subsidiary of Capitol.                                                                                                                                                                  |

----

----

----

| Unaudited Pro Forma Condensed Consolidated Balance Sheet                                                 |   |        |      |   |         |   |     |   |
|----------------------------------------------------------------------------------------------------------|--------|-------------|-----------|--------|--------------|--------|----------|--------|
| Capitol Bancorp Limited and Subsidiaries                                                                 |   |        |      |   |         |   |     |   |   |   |
| March 31, 2010                                                                                           |   |        |      |   |         |   |     |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |
|  (in $1,000s)                                                                                       |   |        |      |   |         |   |     |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |
|                                                                                                     |   |        |      |   | Pending      |   |     |   |   |   |
|                                                                                                     |   | Historical  |      |   | Sale of Bank |   |     |   |   |   |
|                                                                                                     |   | Amounts     |      |   | Subsidiaries |   |     |   | Pro Forma |   |
|                                                                                                     |   | As Reported |      |   | (Note A)     |   |     |   | Consolidated |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |
|  ASSETS                                                                                             |   |        |      |   |         |   |     |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |
|  Cash and cash equivalents                                                                          |   | $           | 939,655   |   |         | $      | (39,511  | )      |   |   | $ | 900,144 |   |
|  Loans held for sale                                                                                |   |        | 6,878     |   |         |   | (2,083   | )      |   |   |   | 4,795 |   |
|  Investment securities                                                                              |   |        | 18,138    |   |         |   | (5,466   | )      |   |   |   | 12,672 |   |
|  Portfolio loans                                                                                    |   |        | 3,907,761 |   |         |   | (670,155 | )      |   |   |   | 3,237,606 |   |
|    Less allowance for loan losses                                                         |   |        | (152,405  | )      |         |   | 13,482   |   |   |   |   | (138,923 | ) |
|    Net portfolio loans                                                                    |   |        | 3,755,356 |   |         |   | (656,673 | )      |   |   |   | 3,098,683 |   |
|  Premises and equipment, net                                                                        |   |        | 46,328    |   |         |   | (5,118   | )      |   |   |   | 41,210 |   |
|  Goodwill                                                                                           |   |        | 66,104    |   |         |   | -        |   |   |   |   | 66,104 |   |
|  Other real estate owned                                                                            |   |        | 110,015   |   |         |   | (2,560   | )      |   |   |   | 107,455 |   |
|  Other assets                                                                                       |   |        | 122,462   |   |         |   | (12,709  | )      |   |   |   | 109,753 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  TOTAL ASSETS                                                                                       |   | $           | 5,064,936 |   |         | $      | (724,120 | )      |   |   | $ | 4,340,816 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  LIABILITIES AND EQUITY                                                                             |   |        |      |   |         |   |     |   |   |   |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  Liabilities:                                                                                       |   |        |      |   |         |   |     |   |   |   |   |   |   |
|    Deposits                                                                               |   | $           | 4,454,361 |   |         | $      | (661,073 | )      |   |   | $ | 3,793,288 |   |
|    Debt obligations                                                                       |   |        | 393,358   |   |         |   | (42,470  | )      |   |   |   | 350,888 |   |
|    Other liabilities                                                                      |   |        | 41,837    |   |         |   | (1,281   | )      |   |   |   | 40,556 |   |
|      Total liabilities                                                          |   |        | 4,889,556 |   |         |   | (704,824 | )      |   |   |   | 4,184,732 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  Equity:                                                                                            |   |        |      |   |         |   |     |   |   |   |   |   |   |
|    Capitol Bancorp Limited stockholders' equity:                                          |   |        |      |   |         |   |     |   |   |   |   |   |   |
|      Preferred stock                                                            |   |        | -         |   |         |   |     |   |   |   |   | - |   |
|      Common stock                                                               |   |        | 281,251   |   |         |   |     |   |   |   |   | 281,251 |   |
|      Retained earnings (deficit)                                                |   |        | (163,633  | )      |         |   | 17,430   |   | B |   |   | (146,203 | ) |
|      Other, net                                                                 |   |        | (451      | )      |         |   |     |   |   |   |   | (451 | ) |
|      Total Capitol Bancorp Limited stockholders' equity                         |   |        | 117,167   |   |         |   | 17,430   |   |   |   |   | 134,597 |   |
|    Noncontrolling interests in consolidated subsidiaries                                  |   |        | 58,213    |   |         |   | (36,726  | )      |   |   |   | 21,487 |   |
|      Total equity                                                               |   |        | 175,380   |   |         |   | (19,296  | )      |   |   |   | 156,084 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  TOTAL LIABILITIES AND EQUITY                                                                       |   | $           | 5,064,936 |   |         | $      | (724,120 | )      |   |   | $ | 4,340,816 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  Nonperforming loans                                                                                |   | $           | 343,979   |   |         | $      | (10,697  | )      |   |   | $ | 333,282 |   |
|  Real estate owned and other repossessed assets                                                     |   |        | 110,216   |   |         |   | (2,560   | )      |   |   |   | 107,656 |   |
|    Total nonperforming assets                                                             |   | $           | 454,195   |   |         | $      | (13,257  | )      |   |   | $ | 440,938 |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
|  Selected capital ratios:                                                                           |   |        |      |   |         |   |     |   |   |   |   |   |   |
|    Total equity as a percentage of total assets                                           |   |        | 3.46      | %      |         |   |     |   |   |   |   | 3.60 | % |
|    Total capital as a percentage of total assets--Note C                                  |   |        | 6.77      | %      |         |   |     |   |   |   |   | 7.45 | % |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
| Notes to Unaudited Pro Forma Condensed Consolidated Balance Sheet:                                       |   |        |      |   |         |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
| A--Pending sale of Adams Dairy Bank, Bank of Belleville, Bank of Las Colinas, Community Bank of Lincoln, |   |
| Fort Collins Commerce Bank, Larimer Bank of Commerce, Loveland Bank of Commerce, Mountain View           |   |
| Bank of Commerce, Napa Community Bank, Ohio Commerce Bank and USNY Bank.                                 |   |        |      |   |         |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
| B--Estimated gain on pending sale of banks (see Note A), less transaction expenses. Sale proceeds   |   |
|  are estimated to approximate $71.5 million.                                                        |   |        |      |   |         |   |     |   |   |   |   |   |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |
| C--Total capital includes trust-preferred securities (subordinated debentures) and total equity.         |   |
|                                                                                                     |   |        |      |   |         |   |     |   |   |   |   |   |   |

----

| Unaudited Pro Forma Condensed Consolidated Statements of Operations                                                                                                          |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------|---------|--------|------------------------------|--------|---------|--------------|--------|--------|------------|--------|--------|-----------------------|----------|--------|--------------|--------|
|  Capitol Bancorp Limited and Subsidiaries                                                                                                                               |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |
|  (in $1,000s, except per-share data)                                                                                                                                    |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   | Three Months Ended March 31, 2010 |    |   | Year Ended December 31, 2009 |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   | Pro Forma Adjustments |     |   |         |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   | Sale of               |     |   |         |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   | Pending                      |   |    |         |   |   |       |   |   |  Yuma            |     |   | Sale of Bank |   |   | Pending |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   | Sale of Bank                 |   |    |         |   |   |       |   |   | Community             |     |   | of Santa     |   |   | Sale of Bank |   |   |   |   |
|                                                                                                                                                                         |   | Historical                        |    |   | Subsidiaries                 |   |    | Pro Forma    |   |   | Historical |   |   | Bank                  |     |   | Barbara      |   |   | Subsidiaries |   |   | Pro Forma |   |
|                                                                                                                                                                         |   | Amounts                           |    |   | (Note A)                     |   |    | Consolidated |   |   | Amounts    |   |   | (Note B)              |     |   | (Note C)     |   |   | (Note A) |   |   | Consolidated |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |
| Interest income                                                                                                                                                              |   | $                                 | 57,495  |   |                         | $      | (10,186 | )            |   | $      | 47,309     |   |   | $                     | 266,899  |   |         | $      | (3,199 | ) |   | $ | (2,462 | )  |   | $ | (44,362 | ) |   | $ | 216,876 |   |
| Interest expense                                                                                                                                                             |   |                              | 21,033  |   |                         |   | (2,864  | )            |   |   | 18,169     |   |   |                  | 110,517  |   |         |   | (673 | ) |   |   | (755 | )  |   |   | (15,181 | ) |   |   | 93,908 |   |
|    Net interest income                                                                                                                                        |   |                              | 36,462  |   |                         |   | (7,322  | )            |   |   | 29,140     |   |   |                  | 156,382  |   |         |   | (2,526 | ) |   |   | (1,707 | )  |   |   | (29,181 | ) |   |   | 122,968 |   |
| Provision for loan losses                                                                                                                                                    |   |                              | 50,100  |   |                         |   | (2,269  | )            |   |   | 47,831     |   |   |                  | 190,680  |   |         |   | (112 | ) |   |   | (2,114 | )  |   |   | (9,121 | ) |   |   | 179,333 |   |
|    Net interest income after provision for loan losses                                                                                                        |   |                              | (13,638 | )      |                         |   | (5,053  | )            |   |   | (18,691    | )      |   |                  | (34,298  | )      |         |   | (2,414 | ) |   |   | 407 |   |   |   | (20,060 | ) |   |   | (56,365 | ) |
| Noninterest income                                                                                                                                                           |   |                              | 7,387   |   |                         |   | 16,780  |         |   |   | 24,167     |   |   |                  | 28,773   |   |         |   | (1,213 | ) |   |   | (109 | )  |   |   | 14,328 |   |   |   | 41,779 |   |
| Noninterest expense                                                                                                                                                          |   |                              | 55,577  |   |                         |   | (5,744  | )            |   |   | 49,833     |   |   |                  | 240,597  |   |         |   | (1,829 | ) |   |   | (1,899 | )  |   |   | (23,159 | ) |   |   | 213,710 |   |
|    Loss before income taxes                                                                                                                                   |   |                              | (61,828 | )      |                         |   | 17,471  |         |   |   | (44,357    | )      |   |                  | (246,122 | )      |         |   | (1,798 | ) |   |   | 2,197 |   |   |   | 17,427 |   |   |   | (228,296 | ) |
| Income tax expense (benefit)                                                                                                                                                 |   |                              | 112     |   |                         |   | 25      |         |   |   | 137        |   |   |                  | 18,418   |   |         |   | (239 | ) |   |   | 897 |   |   |   | (3,590 | ) |   |   | 15,486 |   |
|    NET LOSS                                                                                                                                                   |   |                              | (61,940 | )      |                         |   | 17,446  |         |   |   | (44,494    | )      |   |                  | (264,540 | )      |         |   | (1,559 | ) |   |   | 1,300 |   |   |   | 21,017 |   |   |   | (243,782 | ) |
| Less net losses attributable to noncontrolling interests                                                                                                                     |   |                              | 14,058  |   |                         |   | 72      |         |   |   | 14,130     |   |   |                  | 69,371   |   |         |   | - |   |   |   | (1,217 | ) |   |   | (3,445 | ) |   |   | 64,709 |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| NET LOSS ATTRIBUTABLE TO CAPITOL   BANCORP LIMITED                                                                                                                 |   | $                                 | (47,882 | )      |                         | $      | 17,518  |         |   | $      | (30,364    | )      |   | $                     | (195,169 | )      |         | $      | (1,559 | ) |   | $ | 83 |   |   | $ | 17,572 |   |   | $ | (179,073 | ) |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| NET LOSS PER SHARE ATTRIBUTABLE TO                                                                                                                                           |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |
|    CAPITOL BANCORP LIMITED                                                                                                                                    |   | $                                 | (2.75   | )      |                         |   |    |         |   | $      | (1.74      | )      |   | $                     | (11.28   | )      |         |   |   |   |   |   |   |   |   |   |   |   |   | $ | (10.35 | ) |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Notes to Unaudited Pro Forma Condensed Consolidated Statements of Operations:                                                                                                |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| A--Pending sale of Adams Dairy Bank, Bank of Belleville, Bank of Las Colinas, Community Bank of Lincoln, Fort Collins Commerce Bank, Larimer Bank of Commerce,               |   |
| Loveland Bank of Commerce, Mountain View Bank of Commerce, Napa Community Bank, Ohio Commerce Bank and USNY Bank. The pro forma adjustment removes                      |   |
| the operating results of these eleven banks as if the sales occurred at the beginning of the period and includes the estimated gain on pending sale of banks of              |   |
| approximately $17.4 million, after transaction expenses. Sale proceeds are estimated to approximate $71.5 million.                                                      |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| B--On September 21, 2009, Yuma Community Bank (YCB) was sold for approximately $9.5 million in sale proceeds. The pro forma adjustment removes the                      |   |
| operating results of YCB and related net gain on the sale of approximately $1.2 million as if the sale had occurred at the beginning of the period presented.                |   |
|                                                                                                                                                                         |   |                              |    |   |                         |   |    |         |   |   |       |   |   |                  |     |   |         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| C--In November 2009, Bank of Santa Barbara (BSB), was sold for approximately $3.9 million in sale proceeds. BSB was a subsidiary of Capitol through September 30, 2009. |   |
| The pro forma adjustment removes the operating results of BSB as if the sale had occurred at the beginning of the period presented.                                          |   |                              |    |   |                         |

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| Item 1.  | Legal Proceedings. Capitol and its subsidiaries are parties to certain ordinary, routine litigation incidental to their business.  In the opinion of management, liabilities arising from such litigation would not have a material effect on Capitol's consolidated financial position or results of operations.                                               |
|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Item 1A. | Risk Factors. There were no material changes from the risk factors set forth in Part I, Item 1A, "Risk Factors," of Capitol's Form 10-K for the year ended December 31, 2009, during the three months ended March 31, 2010.  Refer to that section of Capitol's Form 10-K for disclosures regarding the risks and uncertainties related to Capitol's business.  |
| Item 2.  | Unregistered Sales of Equity Securities and Use of Proceeds.                                                                                                                                                                                                                                                                                                                   |
|     | (a)          None.(b)          Not applicable.(c)          None.                                                                                                                                                         |
| Item 3.  | Defaults Upon Senior Securities. None.                                                                                                                                                                                                                                                                                                                                    |
| Item 4.  | [Removed and Reserved.]                                                                                                                                                                                                                                                                                                                                                        |
| Item 5.  | Other Information. None.                                                                                                                                                                                                                                                                                                                                                  |
| Item 6.  | Exhibits:                                                                                                                                                                                                                                                                                                                                                                           |

| (a)         | (b)                                                                                                                          |
|-------------|------------------------------------------------------------------------------------------------------------------------------|
| Exhibit No. | Description of Exhibit                                                                                                       |
| 31.1        | Certification of Chief Executive Officer, Joseph D. Reid,pursuant to Section 302 of the Sarbanes-Oxley Act of2002.      |
| 31.2        | Certification of Chief Financial Officer,Lee W. Hendrickson, pursuant to Section 302 of theSarbanes-Oxley Act of 2002.  |
| 32.1        | Certification of Chief Executive Officer, Joseph D. Reid,pursuant to Section 906 of the Sarbanes-Oxley Act of2002.      |
| 32.2        | Certification of Chief Financial Officer,Lee W. Hendrickson, pursuant to Section 906 of theSarbanes-Oxley Act of 2002.  |

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| CAPITOL BANCORP LTD.(Registrant)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| /s/ Joseph D. Reid                                                                                                  Joseph D. ReidChairman and CEO(duly authorized to sign on behalf of the   registrant)   |
| /s/ Lee W. Hendrickson                                                                                                    Lee W. HendricksonChief Financial Officer                                                                  |

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| Exhibit No. | Description of Exhibit                                                                                                   |
|-------------|-------------------------------------------------------------------------------------------------------------------------------|
| 31.1        | Certification of Chief Executive Officer, Joseph D. Reid, pursuant to Section 302 of theSarbanes-Oxley Act of 2002.      |
| 31.2        | Certification of Chief Financial Officer, Lee W. Hendrickson, pursuant to Section 302of the Sarbanes-Oxley Act of 2002.  |
| 32.1        | Certification of Chief Executive Officer, Joseph D. Reid, pursuant to Section 906 of theSarbanes-Oxley Act of 2002.      |
| 32.2        | Certification of Chief Financial Officer, Lee W. Hendrickson, pursuant to Section 906of the Sarbanes-Oxley Act of 2002.       |

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