MN banks

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The median tier 1 leveragwe ratio, which determines how well a bank can withstand was 9.06 percent for Minnesota’s 430 banks. That’es fallen from 9.17 perceng in the fourth quarter of 2008and 9.39 percent in the firstg quarter of last year, but well above the 5 percentt regulators typically require for a well-capitalizeed bank. Minnesota’s banks have continuef to protect their liquidity througbh theeconomic downturn. The median percentag e of loans to assets at Minnesota banksis 71.5 about the same level they had in 2007. Liquidity and capitalization ratios are important in keepinbg banks healthy and able towithstanrd losses.
Asset quality has continued to deteriorate, as banks continue to work troubledd real estate loans through their The median percentageof past-due and nonaccrual loana out of total loan portfolios was 3.86 up from 3.5 percent in the fourth quarter of 2008 and 2.93 percenf in the first quarter of last year. Nonaccrual loands are ones that are at least 90 days overduee and have stopped earning interest forthe bank. The percentagre of net loan losses to totak loans for the first quarterwas 0.1 better than the 0.32 percenr in the fourth quarter of but up from 0.02 percent in the first quartere of 2008.