CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks		$ 8,400	$ 6,591
Federal funds sold		102	102
Interest-earning deposits		670,863	201,492
Total cash and cash equivalents		679,365	208,185
Securities available for sale		596,929	390,755
Equity security, at fair value		15,159	10,836
FHLB and FRB stock, at cost		18,433	24,068
Loans held for sale, at fair value		13,785	2,881
Loans held for sale, at lower of cost or fair value		14,455	14,667
Loans		4,430,651	4,394,137
Less: Allowance for loan and lease losses		66,145	43,676
Net loans		4,364,506	4,350,461
Premises and equipment		21,668	20,913
Other real estate owned		50	50
Accrued interest receivable		22,192	10,494
Bank owned life insurance		46,645	46,128
Goodwill		30,208	30,208
Other intangible assets		9,414	10,380
Finance lease right-of-use assets		4,517	5,078
Operating lease right-of-use assets		10,011	12,132
Other assets		110,770	45,643
TOTAL ASSETS		5,958,107	5,182,879
Deposits:
Noninterest-bearing demand deposits		838,307	529,281
Interest-bearing deposits:
Checking	[1]	1,858,529	1,510,363
Savings		127,737	112,652
Money market accounts		1,251,349	1,196,313
Certificates of deposit - retail		586,801	633,763
Certificates of deposit - listing service		32,677	47,430
Subtotal deposits		4,695,400	4,029,802
Interest-bearing demand - brokered		130,000	180,000
Certificates of deposit - brokered		33,750	33,709
Total deposits		4,859,150	4,243,511
Short-term borrowings		15,000	128,100
Federal Home Loan Bank advances		105,000	105,000
Paycheck Protection Program Liquidity Facility		183,790
Finance lease liabilities		6,976	7,598
Operating lease liabilities		10,318	12,423
Subordinated debt, net		83,585	83,417
Deferred tax liabilities, net		23,295	26,151
Due to brokers, securities settlements		15,088	7,951
Accrued expenses and other liabilities		133,177	65,076
TOTAL LIABILITIES		5,435,379	4,679,227
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 42,000,000 shares; issued shares, 20,293,131 at September 30, 2020 and 20,074,766 at December 31, 2019; outstanding shares, 18,924,953 at September 30, 2020 and 18,926,810 at December 31, 2019		16,916	16,733
Surplus		324,677	319,375
Treasury stock at cost, 1,368,178 shares at September 30, 2020 and 1,147,956 shares at December 31, 2019		(36,477)	(29,990)
Retained earnings		219,359	199,029
Accumulated other comprehensive loss, net of income tax		(1,747)	(1,495)
TOTAL SHAREHOLDERS’ EQUITY		522,728	503,652
TOTAL LIABILITIES & SHAREHOLDERS’ EQUITY		$ 5,958,107	$ 5,182,879

[1] Interest-bearing checking includes $658.0 million at September 30, 2020 and $423.8 million at December 31, 2019 of reciprocal balances in the Reich & Tang or Promontory Demand Deposit Marketplace program.