287 79,301 12.6 Other real estate and other assets owned, net 7,659 9,385 (18.4) Total nonperforming assets $96,946 $88,686 9.3 ======= ======= CAPITAL AND CREDIT QUALITY RATIOS Average equity to average assets 9.95% 10.43% (48) bp 10.18% 10.66% (48) bp Average tangible equity to average tangible assets (1) 8.69 9.12 (43) 8.90 9.23 (33) Annualized net charge-offs to average loans 3.29 1.53 176 3.2