CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 6,165	$ 6,790
Overnight deposits	148,260	254,441
Total cash and cash equivalents	154,425	261,231
Investment securities available for sale, at fair value	27,490	32,157
Investment securities held to maturity (estimated fair value of $4,529 and $5,330 at September 30, 2018 and December 31, 2017 respectively)	4,757	5,428
Total securities	32,247	37,585
Other investments	16,645	13,677
Loans, net of deferred fees and unamortized costs	1,698,929	1,419,896
Allowance for loan losses	(18,493)	(14,887)
Net loans	1,680,436	1,405,009
Receivable from prepaid card programs, net	14,297	9,579
Accrued interest receivable	5,239	4,421
Premises and equipment, net	6,918	6,268
Prepaid expenses and other assets	7,813	5,751
Goodwill	9,733	9,733
Accounts receivable, net	2,961	6,601
Total assets	1,930,714	1,759,855
Deposits:
Noninterest-bearing demand deposits	772,754	812,616
Interest-bearing deposits	761,177	591,739
Total deposits	1,533,931	1,404,355
Federal Home Loan Bank of New York advances	60,000	42,198
Trust preferred securities	20,620	20,620
Subordinated debt, net of issuance cost	24,531	24,489
Accounts payable, accrued expenses and other liabilities	19,635	21,678
Accrued interest payable	918	749
Prepaid debit cardholder balances	13,810	8,882
Total liabilities	1,673,445	1,522,971
Stockholders' equity:
Common stock, $0.01 par value, 25,000,000 shares authorized, 8,207,234 and 8,196,310 issued and outstanding at September 30, 2018 and December 31, 2017 respectively	81	81
Additional paid in capital	212,759	211,145
Retained earnings	45,129	25,861
Accumulated other comprehensive loss, net of tax effect	(703)	(206)
Total stockholders’ equity	257,269	236,884
Total liabilities and stockholders’ equity	1,930,714	1,759,855
Class A Preferred Stock
Stockholders' equity:
Preferred stock
Class B Preferred Stock
Stockholders' equity:
Preferred stock	3	3
Total stockholders’ equity	$ 3	$ 3