How's your bank doing?

This chart shows the financial performance during the first quarter of 2009 of the 429 banks based in Minnesota. Search for your bank using the search box, or click on a column heading to sort by that category.

Key

Equity capital: A bank's equity capital is the cushion that a bank can draw on when loans default or assets fall in value. It consists of a bank's common stock and its reserves, or accumulated earnings.

Noncurrent loans and leases: A noncurrent loan is a loan in which payments have fallen behind by 90 days or more. Many of these loans are never repaid and can lead to loan losses for the bank. A bank's noncurrent loans should not exceed 10 percent of its total loans. The national average is 2.5 percent.

Tier One Risk-Based Capital Ratio: A bank's Tier One Risk-Based Capital Ratio is a bank's common stock and reserves divided by its assets. It is a key measure of a bank's ability to withstand future loan losses. A bank must maintain a ratio of 6 percent or more to be considered "well capitalized" by regulators.

Loss Allowance to Loans: A bank's loss allowance is the amount of cash it sets aside to cover future loan losses. A bank's loss allowance generally should not dip below 1 percent of its loans. The national average is 1.5 percent.

Net Charge-Off Ratio: A bank's net charge-off ratio is the percentage of its loans that are written off as bad debts, less recoveries. A ratio of 3 percent or more is considered too high.