CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks		$ 8,849	$ 5,929
Interest-earning deposits		105,111	140,875
Total cash and cash equivalents		113,960	146,804
Securities available for sale		601,163	796,753
Securities held to maturity (fair value $100,314 at March 31, 2022 and $108,460 at December 31, 2021)		106,816	108,680
Equity security, at fair value		14,003	14,685
FHLB and FRB stock, at cost		18,570	12,950
Loans held for sale, at fair value		605	3,040
Loans held for sale, at lower of cost or fair value		26,350	34,051
Loans		5,122,202	4,806,721
Less: Allowance for credit losses	[1]	58,386	61,697
Net loans		5,063,816	4,745,024
Premises and equipment		22,960	23,044
Accrued interest receivable		22,890	21,589
Bank owned life insurance		46,805	46,663
Goodwill		36,212	36,212
Other intangible assets		12,259	12,690
Finance lease right-of-use assets		3,395	3,582
Operating lease right-of-use assets		14,725	9,775
Due from brokers		120,245
Other assets		30,890	62,451
TOTAL ASSETS		6,255,664	6,077,993
Deposits:
Noninterest-bearing demand deposits		1,023,208	956,482
Interest-bearing deposits:
Checking	[2]	2,362,987	2,287,894
Savings		162,116	154,914
Money market accounts		1,304,017	1,307,051
Certificates of deposit - retail		384,909	409,608
Certificates of deposit - listing service		31,348	31,382
Subtotal deposits		5,268,585	5,147,331
Interest-bearing demand - brokered		85,000	85,000
Certificates of deposit - brokered		33,831	33,818
Total deposits		5,387,416	5,266,149
Short-term borrowings		122,085
Finance lease liabilities		5,573	5,820
Operating lease liabilities		15,155	10,111
Subordinated debt, net		132,772	132,701
Deferred tax liabilities, net		26,916	39,322
Accrued expenses and other liabilities		42,321	77,502
TOTAL LIABILITIES		5,732,238	5,531,605
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, 20,933,112 at March 31, 2022 and 20,656,810 at December 31, 2021; outstanding shares, 18,370,312 at March 31, 2022 and 18,393,888 at December 31, 2021		17,450	17,220
Surplus		332,474	332,358
Treasury stock at cost, 2,562,800 shares at March 31, 2022 and 2,262,922 shares at December 31, 2021		(76,278)	(65,104)
Retained earnings		290,718	274,288
Accumulated other comprehensive loss, net of income tax		(40,938)	(12,374)
TOTAL SHAREHOLDERS’ EQUITY		523,426	546,388
TOTAL LIABILITIES & SHAREHOLDERS’ EQUITY		$ 6,255,664	$ 6,077,993

[1] Commencing on January 1, 2022, the allowance calculation is based on the current expected credit loss methodology.  Prior to January 1, 2022, the calculation was based on the incurred loss methodology.

[2] Interest-bearing checking includes $665.0 million at March 31, 2022 and $647.8 million at December 31, 2021 of reciprocal balances in the Reich & Tang or Promontory Demand Deposit Marketplace program.