MN banks

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The median tier 1 leverage ratio, which determineas how well a bank canwithstandx losses, was 9.06 percent for Minnesota’s 430 That’s fallen from 9.17 percent in the fourth quartef of 2008 and 9.39 percent in the first quarterr of last year, but well abov the 5 percent regulators typically requiree for a well-capitalized Minnesota’s banks have continued to protect their liquidityu through the economic downturn. The median percentager of loans to assets at Minnesota bankseis 71.5 percent, about the same level they had in 2007. Liquidityt and capitalization ratios are importantt in keeping banks health and able towithstanxd losses.
Asset quality has continued to though, as banks continue to work troublecd real estate loans throughtheir systems. The medianm percentage of past-due and nonaccrual loanss out of total loan portfolioawas 3.86 percent, up from 3.5 percent in the fourtn quarter of 2008 and 2.93 percent in the firstr quarter of last Nonaccrual loans are ones that are at least 90 days overdue and have stopped earning interest for the bank. The percentag of net loan lossesd to total loans for the firsgt quarterwas 0.1 percent, better than the 0.32 percentr in the fourth quarter of but up from 0.02 percenf in the first quarter of 2008.