CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from financial institutions	$ 24,886	$ 28,130
Interest-bearing deposits in other financial institutions	1,299	1,033
Total cash and cash equivalents	26,185	29,163
Trading assets, at fair value	701	549
Securities available for sale, at estimated fair value	344,820	280,507
Securities held to maturity, estimated fair value of $4,822 at December 31, 2015 and $6,197 at December 31, 2014	4,566	5,831
FHLBNY and FRBNY Stock, at cost	4,797	5,535
Loans, net of deferred loan fees	1,168,633	1,121,574
Allowance for loan losses	(14,260)	(13,686)
Loans, net	1,154,373	1,107,888
Loans held for sale	1,076	665
Premises and equipment, net	29,397	32,287
Goodwill	21,824	21,824
Other intangible assets, net	3,931	5,067
Bank owned life insurance	2,839	2,764
Accrued interest and other assets	25,455	32,459
Total assets	1,619,964	1,524,539
Deposits:
Non-interest-bearing	402,236	366,298
Interest-bearing	998,059	913,716
Total deposits	1,400,295	1,280,014
FHLBNY overnight advances	13,900	30,830
Securities sold under agreements to repurchase	28,453	29,652
FHLBNY term advances	19,203	19,310
Long term capital lease obligation	2,873	2,976
Dividends payable	1,214	1,204
Accrued interest payable and other liabilities	16,784	26,925
Total liabilities	1,482,722	1,390,911
Shareholders' equity:
Common stock, $.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2015 and December 31, 2014	53	53
Additional-paid-in capital	45,537	45,355
Retained earnings	118,973	114,383
Treasury stock, at cost (641,721 shares at December 31, 2015; 680,948 shares at December 31, 2014)	(16,379)	(17,378)
Accumulated other comprehensive loss	(10,942)	(8,785)
Total shareholders' equity	137,242	133,628
Total liabilities and shareholders' equity	$ 1,619,964	$ 1,524,539