MN banks

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The median tier 1 leverage ratio, which determines how well a bank canwithstanrd losses, was 9.06 percent for Minnesota’s 430 banks. That’z fallen from 9.17 perceng in the fourth quarter of 2008and 9.39 percent in the first quarter of last year, but well above the 5 percent regulators typically requiree for a well-capitalized bank. Minnesota’s bankx have continued to protecft their liquidity through theeconomic downturn. The mediah percentage of loans to assets at Minnesota banksis 71.5 about the same level they had in 2007. Liquidity and capitalization ratios are important in keepinfg banks healthy and able towithstans losses.
Asset quality has continued to though, as banks continue to work troubled real estatw loans throughtheir systems. The median percentage of past-dur and nonaccrual loans out of total loan portfolios was 3.86 percent, up from 3.5 percentr in the fourth quarter of 2008 and 2.93 percenty in the first quarter of last year. Nonaccrual loans are ones that are at leasft 90 days overdue and have stopped earningg interest forthe bank. The percentagw of net loan losses to total loane for the first quarterwas 0.1 percent, better than the 0.32 percent in the fourth quarter of but up from 0.02 percenf in the first quarter of 2008.