Regulatory Matters

6 Months Ended

Jun. 30, 2012

Regulatory Matters [Abstract]

REGULATORY MATTERS

NOTE 9 — REGULATORY MATTERS

The Bank and the Bancorp are 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 Bancorp’s consolidated financial statements. At June 30, 2012, the Bank and the Bancorp met all capital adequacy requirements to which they are subject.

The Bancorp’s and the Bank’s capital amounts and ratios at June 30, 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 June 30, 2012:
Total capital (to risk weighted assets)
Customers Bancorp, Inc.	$	171,153		10.17	%	³	$	134,597	³		8.0	%	³		N/A			N/A
Customers Bank	$	170,807		10.16	%	³	$	134,524	³		8.0	%	³	$	168,155	³		10.0	%
Tier 1 capital (to risk weighted assets)
Customers Bancorp, Inc.	$	154,182		9.16	%	³	$	67,299	³		4.0	%	³		N/A			N/A
Customers Bank	$	153,836		9.15	%	³	$	67,262	³		4.0	%	³	$	100,893	³		6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	154,182		7.45	%	³	$	82,733	³		4.0	%	³		N/A			N/A
Customers Bank	$	153,836		7.43	%	³	$	82,788	³		4.0	%	³	$	103,485	³		5.0	%
As of December 31, 2011:
Total capital (to risk weighted assets)
Customers Bancorp, Inc.	$	162,228		11.43	%	³	$	113,504	³		8.0	%	³		N/A			N/A
Customers Bank	$	157,228		11.08	%	³	$	113,504	³		8.0	%	³	$	141,880	³		10.0	%
Tier 1 capital (to risk weighted assets)
Customers Bancorp, Inc.	$	146,395		10.32	%	³	$	56,752	³		4.0	%	³		N/A			N/A
Customers Bank	$	141,395		9.97	%	³	$	56,752	³		4.0	%	³	$	85,128	³		6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	146,395		7.59	%	³	$	77,166	³		4.0	%	³		N/A			N/A
Customers Bank	$	141,395		7.33	%	³	$	77,166	³		4.0	%	³	$	96,457	³		5.0	%