Question-and-Answer Session
Operator
(Operator instructions) Our first question comes from Allan Buck [ph].
Allan Buck
Hey, guys. Wondering if you wouldn’t mind walking through what assumptions are going into your worst case scenario, a guidance on the asset quality front?
Peter Converse
This is Peter Converse. What we’ve done is identify the possible deterioration of any existing credits and then perhaps double that.
Allan Buck
Okay. Very good. Thank you very much.
Operator
Our next question comes from Jennifer Demba.
Jennifer Demba – Suntrust Robinson Humphrey
Thank you. Your loan growth was I guess better than we were looking for this quarter. I was wondering if you could get us some color behind that.
Peter Converse
Randy, you want to take that?
Randy Anderson
I’d be happy to. Good morning Jennifer.
Jennifer Demba – Suntrust Robinson Humphrey
Hi.
Randy Anderson
The loan growth as you could see in the break as it came out with the press release was really concentrated predominantly in commercial real estate and I can tell you a good 40% of that was own or occupied commercial real estate as we continue to build new commercial banking relationships in the new markets that we’re moving into. We also had good growth in one-to-four family. Again, that’s an offshoot of taking more one-to-four family mortgages into portfolio as opposed to selling these loans which was more of an option in the past few years. We also, while it’s not reflected entirely here, we’ve also had some real good opportunities in building our CNI portfolio, which we are gratified by because as you know that’s been a focus over the last couple of years and we have made good ground on that. We continue to have good momentum there.
Jennifer Demba – Suntrust Robinson Humphrey
Okay. Thank you. And I was just wondering, do you guys have a range of new capital you’d like to raise here in the second half of the year? Can you give us an idea of what we’re looking at?
Randy Anderson
I’m trying to keep in mind our bank council’s advice on what not to say until we make a formal announcement, so I’m not sure how to answer that, probably in the $25 million to $50 million range.
Jennifer Demba – Suntrust Robinson Humphrey
Thank you. And what kind of ratios are you looking at that you want to benchmark here?
Randy Anderson
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