Capitol Bancorp Limited


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Dear Shareholder:

Growth
I am pleased to report to you that with the addition of nine affiliate banks in 2005, Capitol Bancorp became the only banking company in America with as many as 41 separately chartered financial institutions. Additions to our affiliated bank group included:

Bank	State	Bank	State
Bank of Michigan	Michigan	Peoples State Bank	Georgia
Bank of Bellevue	Washington	Fort Collins Commerce Bank	Colorado
Bank of Auburn Hills	Michigan	Bank of San Francisco	California
Bank of Belleville	Illinois	Summit Bank of Kansas City	Missouri
Bank of Santa Barbara	California

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