CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 9,372	$ 9,246
Overnight deposits	346,674	223,704
Total cash and cash equivalents	356,046	232,950
Debt securities available for sale, at fair value	29,731	30,439
Investment securities held to maturity (estimated fair value of $4,295 and $4,403 at March 31, 2019 and December 31, 2018 respectively)	4,392	4,571
Marketable equity investments, at fair value	2,149	2,110
Total securities	36,272	37,120
Other investments	23,652	22,287
Loans, net of deferred fees and unamortized costs	2,102,420	1,865,216
Allowance for loan losses	(20,834)	(18,942)
Net loans	2,081,586	1,846,274
Receivable from prepaid card programs, net	16,516	8,218
Accrued interest receivable	6,396	5,507
Premises and equipment, net	6,446	6,877
Prepaid expenses and other assets	7,599	8,158
Goodwill	9,733	9,733
Accounts receivable, net	940	5,520
Total assets	2,545,186	2,182,644
Deposits:
Noninterest-bearing demand deposits	915,499	798,563
Interest-bearing deposits	1,050,631	861,991
Total deposits	1,966,130	1,660,554
Federal Home Loan Bank of New York advances	215,000	185,000
Trust preferred securities	20,620	20,620
Subordinated debt, net of issuance cost	24,559	24,545
Accounts payable, accrued expenses and other liabilities	28,581	18,439
Accrued interest payable	984	1,282
Prepaid third-party debit cardholder balances	15,525	7,687
Total liabilities	2,271,399	1,918,127
Stockholders' equity:
Common stock, $0.01 par value, 25,000,000 shares authorized, 8,320,816 and 8,217,274 shares issued and outstanding at March 31, 2019 and December 31, 2018, respectively	82	82
Additional paid in capital	214,088	213,490
Retained earnings	59,761	51,415
Accumulated other comprehensive loss, net of tax effect	(147)	(473)
Total stockholders' equity	273,787	264,517
Total liabilities and stockholders' equity	2,545,186	2,182,644
Class B Preferred Stock
Stockholders' equity:
Preferred stock	3	3
Total stockholders' equity	$ 3	$ 3