Regulatory Matters

12 Months Ended

Dec. 31, 2014

Banking and Thrift [Abstract]

Regulatory Matters

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 result in certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Bancorp’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank and Bancorp must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items, as calculated under the regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies.

Quantitative measures established by regulation to ensure capital adequacy require the Bank and Bancorp to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets (as defined in the regulations). At December 31, 2014 and 2013, the Bank and Bancorp met all capital adequacy requirements to which they were subject.

To be categorized as well capitalized, an institution must maintain minimum total risk based, Tier 1 risk based and Tier 1 leveraged ratios as set forth in the following table:

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2014
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	578,644	11.09	%	$	417,473	8.0	%	N/A		N/A
Customers Bank	$	621,894	11.98	%	$	415,141	8.0	%	$	518,926	10.0	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	437,712	8.39	%	$	208,737	4.0	%	N/A		N/A
Customers Bank	$	480,963	9.27	%	$	207,570	4.0	%	$	311,356	6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	437,712	6.69	%	$	261,622	4.0	%	N/A		N/A
Customers Bank	$	480,963	7.39	%	$	260,462	4.0	%	$	325,577	5.0	%
December 31, 2013
Total capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	411,527	13.21	%	$	249,196	8.0	%	N/A		N/A
Customers Bank	$	435,432	14.11	%	$	246,936	8.0	%	$	308,670	10.0	%
Tier 1 capital (to risk-weighted assets)
Customers Bancorp, Inc.	$	387,529	12.44	%	$	124,598	4.0	%	N/A		N/A
Customers Bank	$	411,434	13.33	%	$	123,468	4.0	%	$	185,202	6.0	%
Tier 1 capital (to average assets)
Customers Bancorp, Inc.	$	387,529	10.11	%	$	153,310	4.0	%	N/A		N/A
Customers Bank	$	411,434	10.81	%	$	152,191	4.0	%	$	190,239	5.0	%