CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from financial institutions	$ 27,966	$ 28,205
Interest-earning deposits in other financial institutions	2,763	45,957
Total cash and cash equivalents	30,729	74,162
Trading assets, at fair value	988	774
Securities available for sale, at estimated fair value	293,627	303,402
Securities held to maturity, estimated fair value of $3,776 at December 31, 2017 and $4,912 at December 31, 2016	3,781	4,705
FHLBNY and FRBNY Stock, at cost	5,784	4,041
Loans, net of deferred loan fees	1,311,824	1,200,290
Allowance for loan losses	(21,161)	(14,253)
Loans, net	1,290,663	1,186,037
Loans held for sale	542	412
Premises and equipment, net	26,657	28,923
Goodwill	21,824	21,824
Other intangible assets, net	2,085	2,945
Bank owned life insurance	2,982	2,912
Accrued interest and other assets	27,958	27,042
Total assets	1,707,620	1,657,179
Deposits:
Non-interest-bearing	467,610	417,812
Interest-bearing	999,836	1,038,531
Total deposits	1,467,446	1,456,343
FHLBNY overnight advances	57,700	0
Securities sold under agreements to repurchase	10,000	27,606
FHLBNY term advances	2,000	9,093
Long term capital lease obligation	4,517	4,722
Dividends payable	1,233	1,225
Accrued interest payable and other liabilities	14,911	14,442
Total liabilities	1,557,807	1,513,431
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2017 and December 31, 2016	53	53
Additional-paid-in capital	45,967	45,603
Retained earnings	128,453	124,111
Treasury stock, at cost (559,094 shares at December 31, 2017; 597,843 shares at December 31, 2016)	(14,320)	(15,265)
Accumulated other comprehensive loss	(10,340)	(10,754)
Total shareholders' equity	149,813	143,748
Total liabilities and shareholders' equity	$ 1,707,620	$ 1,657,179