Capitol Bancorp Ltd. is a bank holding company. The Company’s community banking subsidiaries provide their customers with banking, trust and other financial services and products. These services include commercial banking, as well as trust services, mortgage origination and servicing, equipment leasing, brokerage and investment advisory services, property and casualty insurance, life insurance and annuity products, and portfolio management services through eleven banking subsidiaries and other subsidiaries. As of December 31, 2012, nine of Capitol's banking subsidiaries were state-chartered banks. It also offers courier service to pick up transactions at customers' locations. As of December 31, 2012, approximately 99% of Capitol's bank loan portfolio consisted of loans secured by real estate and commercial loans secured by business assets other than real estate.