- Total nonperforming loans 85,099 88,708 (4.1) Other real estate and other assets owned, net 6,408 11,499 (44.3) Total nonperforming assets $91,507 $100,207 (8.7) ======= ======== CAPITAL AND CREDIT QUALITY RATIOS Average equity to average assets 10.60% 10.21% 39 bp 10.38% 10.35% 3 bp Average tangible equity to average tangible assets (1) 9.23 8.92 31 9.04 9.05 (1) Annualized net charge-offs to a