REGULATORY MATTERS

3 Months Ended

Mar. 31, 2012

REGULATORY MATTERS [Abstract]

REGULATORY MATTERS

NOTE 9 - REGULATORY MATTERS

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary-actions by regulators that, if undertaken, could have a direct material effect on the Bank's financial statements.  Management believes, as of March 31, 2012, that the Bank meets all capital adequacy requirements to which it is subject.

The Bancorp's and the Bank's capital amounts and ratios at March 31, 2012 and December 31, 2011 are presented below:

	Actual						For Capital Adequacy Purposes							To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio				Amount			Ratio				Amount				Ratio
As of March 31, 2012:
Total capital (to risk weighted assets)
Customers Bancorp, Inc.	$	163,189		12.01	%	≥	$	108,721	≥		8.0	%	≥			N/A			N/A
Customers Bank	$	158,317		11.66	%	≥	$	108,666	≥		8.0	%	≥		$	135,832	≥		10.0	%
Tier 1 capital (to risk weighted assets)
Customers Bancorp, Inc.	$	146,936		10.81	%	≥	$	54,360	≥		4.0	%	≥			N/A			N/A
Customers Bank	$	142,064		10.46	%	≥	$	54,333	≥		4.0	%	≥		$	81,499	≥		6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	146,936		7.72	%	≥	$	76,165	≥		4.0	%	≥			N/A			N/A
Customers Bank	$	142,064		7.46	%	≥	$	76,165	≥		4.0	%	≥		$	95,207	≥		5.0	%
As of December 31, 2011:
Total capital (to risk weighted assets)
Customers Bancorp, Inc.	$	162,228		11.43	%	≥	$	113,504	≥		8.0	%	≥			N/A			N/A
Customers Bank	$	157,228		11.08	%	≥	$	113,504	≥		8.0	%	≥		$	141,880	≥		10.0	%
Tier 1 capital (to risk weighted assets)
Customers Bancorp, Inc.	$	146,395		10.32	%	≥	$	56,752	≥		4.0	%	≥			N/A			N/A
Customers Bank	$	141,395		9.97	%	≥	$	56,752	≥		4.0	%	≥		$	85,128	≥		6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	146,395		7.59	%	≥	$	77,166	≥		4.0	%	≥			N/A			N/A
Customers Bank	$	141,395		7.33	%	≥	$	77,166	≥		4.0	%	≥		$	96,457	≥		5.0	%