CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from financial institutions	$ 30,837,000	$ 27,966,000
Interest-earning deposits in other financial institutions	3,978,000	2,763,000
Total cash and cash equivalents	34,815,000	30,729,000
Equity investments, at estimated fair value	2,112,000	2,337,000
Securities available for sale, at estimated fair value	265,157,000	293,091,000
Securities held to maturity, estimated fair value of $3,790 at June 30, 2018 and $3,776 at December 31, 2017	3,806,000	3,781,000
FHLBNY and FRBNY Stock, at cost	5,816,000	5,784,000
Loans, net of deferred loan fees	1,334,444,000	1,311,824,000
Allowance for loan losses	(19,645,000)	(21,161,000)
Loans, net	1,314,799,000	1,290,663,000
Loans held for sale	684,000	542,000
Premises and equipment, net	26,049,000	26,657,000
Goodwill	21,824,000	21,824,000
Other intangible assets, net	1,709,000	2,085,000
Bank-owned life insurance	3,014,000	2,982,000
Accrued interest receivable and other assets	30,381,000	27,145,000
Total assets	1,710,166,000	1,707,620,000
Deposits:
Non-interest-bearing	462,233,000	467,610,000
Interest-bearing	1,016,676,000	999,836,000
Total deposits	1,478,909,000	1,467,446,000
FHLBNY overnight advances	58,950,000	57,700,000
Securities sold under agreements to repurchase	0	10,000,000
FHLBNY term advances	0	2,000,000
Long term capital lease obligation	4,411,000	4,517,000
Dividends payable	1,249,000	1,232,000
Accrued interest payable and other liabilities	14,867,000	14,912,000
Total liabilities	1,558,386,000	1,557,807,000
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at June 30, 2018 and December 31, 2017	53,000	53,000
Additional paid-in capital	45,873,000	45,967,000
Retained earnings	132,973,000	128,453,000
Treasury stock, at cost; 507,471 shares at June 30, 2018 and 559,094 shares at December 31, 2017	(12,998,000)	(14,320,000)
Accumulated other comprehensive loss	(14,121,000)	(10,340,000)
Total shareholders' equity	151,780,000	149,813,000
Total liabilities and shareholders' equity	$ 1,710,166,000	$ 1,707,620,000