CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 15,872	$ 11,550
Federal funds sold	101	101
Interest-earning deposits	61,946	58,509
Total cash and cash equivalents	77,919	70,160
Securities available for sale	214,050	195,630
FHLB and FRB stock, at cost	13,254	13,984
Residential mortgage loans held for sale, at fair value	3,537	1,558
Multifamily mortgage loans held for sale, at lower of cost or fair value	38,066	82,200
Loans	3,027,701	2,913,242
Less: Allowance for loan losses	27,321	25,856
Net loans	3,000,380	2,887,386
Premises and equipment	29,609	30,246
Other real estate owned	861	563
Accrued interest receivable	7,497	6,820
Bank owned life insurance	43,101	42,885
Deferred tax assets, net	17,952	15,582
Goodwill	1,573	1,573
Other intangible assets	1,691	1,708
Other assets	16,507	14,364
TOTAL ASSETS	3,465,997	3,364,659
Deposits:
Noninterest-bearing demand deposits	457,730	419,887
Interest-bearing deposits:
Interest-bearing deposits checking	905,479	861,697
Savings	119,149	115,007
Money market accounts	820,757	810,709
Certificates of deposit - Retail	446,833	434,450
Subtotal deposits	2,749,948	2,641,750
Interest-bearing demand - Brokered	200,000	200,000
Certificates of deposit - Brokered	93,630	93,720
Total deposits	3,043,578	2,935,470
Overnight borrowings with Federal Home Loan Bank	21,100	40,700
Federal Home Loan Bank advances	83,692	83,692
Capital lease obligation	10,092	10,222
Accrued expenses and other liabilities	24,030	18,899
TOTAL LIABILITIES	$ 3,182,492	$ 3,088,983
SHAREHOLDERS' EQUITY
Preferred stock (no par value; authorized 500,000 shares; liquidation preference of $1,000 per share)
Common stock (no par value; stated value $0.83 per share; authorized 21,000,000 shares; issued shares, 16,735,018 at March 31, 2016 and 16,476,297 at December 31, 2015; outstanding shares, 16,326,840 at March 31, 2016 and 16,068,119 at December 31, 2015	$ 13,932	$ 13,717
Surplus	217,766	213,203
Treasury stock at cost, 408,178 shares at March 31, 2016 and December 31, 2015	(8,988)	(8,988)
Retained earnings	62,809	58,123
Accumulated other comprehensive loss, net of income tax	(2,014)	(379)
TOTAL SHAREHOLDERS' EQUITY	283,505	275,676
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY	$ 3,465,997	$ 3,364,659