CONSOLIDATED STATEMENT OF CASH FLOWS - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities:
Net income		$ 22,271	$ 19,268
Adjustments to reconcile net income to net cash:
Net depreciation amortization and accretion		1,586	1,272
Provision for loan losses		1,923	2,294
Net change in deferred loan fees		2,539	836
Gain on sale of loans held for sale			(50)
Loss on call of securities'			37
Deferred income tax benefit			62
Proceeds from sale of loans held for sale			16,932
Stock-based compensation expense		1,976	1,219
Non-employee stock-based expense		300	440
Dividends earned on CRA fund		(25)
Unrealized gain/loss of equity securities		(87)
Net change in:
Accrued interest receivable		(2,766)	(818)
Accounts payable, accrued expenses and other liabilities		22,628	(2,043)
Prepaid third-party debit cardholder balances		8,044	4,928
Accrued interest payable		324	169
Accounts receivable, net		1,548	3,640
Receivable from prepaid card programs, net		(8,039)	(4,718)
Prepaid expenses and other assets		(1,701)	(2,599)
Net cash provided by operating activities		50,521	40,869
Cash flows from investing activities:
Loan originations, purchases and payments, net of recoveries		(632,200)	(294,883)
Redemptions of other investments		12,354	4,254
Purchases of other investments		(10,988)	(7,222)
Purchases of securities available for sale		(226,858)	(1,812)
Proceeds from sales and calls of securities available for sale		1,065	1,463
Proceeds from paydowns and maturities of securities available for sale		8,386	4,171
Proceeds from paydowns and maturities of securities held to maturity		611	648
Purchase of premises and equipment, net		(3,965)	(1,627)
Net cash used in investing activities		(851,595)	(295,008)
Cash flows from financing activities:
Proceeds from issuance of common stock, net	[1]		(33)
Proceeds from FHLB advances		988,000	138,223
Repayments of FHLB advances		(1,029,000)	(120,421)
Redemption of common stock for tax withholdings for restricted stock vesting		(88)	(12)
Net increase in deposits		1,044,652	129,576
Net cash provided by financing activities		1,003,564	147,333
Increase (decrease) in cash and cash equivalents		202,490	(106,806)
Cash and cash equivalents at the beginning of the period		232,950	261,231
Cash and cash equivalents at the end of the period		435,440	154,425
Cash paid for:
Interest		24,070	8,167
Income Taxes		$ 12,370	10,649
Non-cash item:
Transfer of loans held for investment to held for sale			$ 16,882

[1] Represents costs incurred in connection with the Company’s initial public offering completed in November 2017.