CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from financial institutions	$ 26,471	$ 24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Total cash and cash equivalents	55,859	26,185
Trading assets, at fair value	734	701
Securities available for sale, at estimated fair value	324,484	344,820
Securities held to maturity, estimated fair value of $4,863 at March 31, 2016 and $4,822 at December 31, 2015	4,577	4,566
FHLBNY and FRBNY Stock, at cost	4,179	4,797
Loans, net of deferred loan fees	1,186,893	1,168,633
Allowance for loan losses	(14,527)	(14,260)
Loans, net	1,172,366	1,154,373
Loans held for sale	593	1,076
Premises and equipment, net	28,620	29,397
Goodwill	21,824	21,824
Other intangible assets, net	3,673	3,931
Bank-owned life insurance	2,857	2,839
Accrued interest receivable and other assets	23,460	25,455
Total assets	1,643,226	1,619,964
Deposits:
Non-interest-bearing	393,121	402,236
Interest-bearing	1,041,131	998,059
Total deposits	1,434,252	1,400,295
FHLBNY overnight advances	0	13,900
Securities sold under agreements to repurchase	28,825	28,453
FHLBNY term advances	19,175	19,203
Long term capital lease obligation	2,837	2,873
Dividends payable	1,220	1,214
Accrued interest payable and other liabilities	15,871	16,784
Total liabilities	1,502,180	1,482,722
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2016 and December 31, 2015	53	53
Additional-paid-in-capital	45,652	45,537
Retained earnings	120,460	118,973
Treasury stock, at cost; 618,276 shares at March 31, 2016 and 641,721 shares at December 31, 2015	(15,781)	(16,379)
Accumulated other comprehensive loss	(9,338)	(10,942)
Total shareholders' equity	141,046	137,242
Total liabilities and shareholders' equity	$ 1,643,226	$ 1,619,964