CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash	$ 327,288	$ 56,190
Federal funds sold	12,097	18,847
Interest-earning deposits in other financial institutions and other short term investments	19,229	19,730
Cash and cash equivalents	358,614	94,767
Securities available for sale (at fair value)	174,830	159,619
Loans held for sale (at fair value)	325,958	402,003
Loans receivable	1,226,834	1,375,137
Less: Allowance for loan losses	16,790	18,823
Loans receivable, net	1,210,044	1,356,314
Office properties and equipment, net	22,676	23,722
Federal Home Loan Bank stock (at cost)	24,438	26,720
Cash surrender value of life insurance	65,050	63,573
Real estate owned, net	148	322
Prepaid expenses and other assets	52,353	57,547
Total assets	2,234,111	2,184,587
Liabilities:
Demand deposits	217,078	188,225
Money market and savings deposits	371,719	295,317
Time deposits	657,767	701,328
Total deposits	1,246,564	1,184,870
Borrowings	475,000	508,074
Advance payments by borrowers for taxes	25,298	3,522
Other liabilities	44,678	75,003
Total liabilities	1,791,540	1,771,469
Shareholders' equity:
Preferred stock (par value $0.01 per share) Authorized - 50,000,000 shares at September 30, 2021 and at December 31, 2020, no shares issued	0	0
Common stock (par value $0.01 per share) Authorized - 100,000,000 shares at September 30, 2021 and at December 31, 2020 Issued - 25,038,054 at September 30, 2021 and 25,087,976 at December 31, 2020 Outstanding - 25,038,054 at September 30, 2021 and 25,087,976 at December 31, 2020	250	251
Additional paid-in capital	179,312	180,684
Retained earnings	277,316	245,287
Unearned ESOP shares	(14,540)	(15,430)
Accumulated other comprehensive income, net of taxes	233	2,326
Total shareholders' equity	442,571	413,118
Total liabilities and shareholders' equity	$ 2,234,111	$ 2,184,587