CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from financial institutions	$ 33,040	$ 27,966
Interest-earning deposits in other financial institutions	96,932	2,763
Total cash and cash equivalents	129,972	30,729
Equity investments, at fair value	1,909	2,337
Securities available for sale, at estimated fair value	242,258	293,091
Securities held to maturity, estimated fair value of $4,858 at December 31, 2018 and $3,776 at December 31, 2017	4,875	3,781
FHLBNY and FRBNY Stock, at cost	3,138	5,784
Loans, net of deferred loan fees	1,311,906	1,311,824
Allowance for loan losses	(18,944)	(21,161)
Loans, net	1,292,962	1,290,663
Loans held for sale	502	542
Premises and equipment, net	24,980	26,657
Goodwill	21,824	21,824
Other intangible assets, net	1,351	2,085
Bank owned life insurance	3,048	2,982
Accrued interest and other assets	28,524	27,145
Total assets	1,755,343	1,707,620
Deposits:
Non-interest-bearing	484,433	467,610
Interest-bearing	1,084,804	999,836
Total deposits	1,569,237	1,467,446
FHLBNY overnight advances	0	57,700
Securities sold under agreements to repurchase	0	10,000
FHLBNY term advances	0	2,000
Long term capital lease obligation	4,304	4,517
Dividends payable	1,254	1,233
Accrued interest payable and other liabilities	15,519	14,911
Total liabilities	1,590,314	1,557,807
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2018 and December 31, 2017	53	53
Additional-paid-in capital	45,820	45,967
Retained earnings	143,129	128,453
Treasury stock, at cost (488,844 shares at December 31, 2018; 559,094 shares at December 31, 2017)	(12,562)	(14,320)
Accumulated other comprehensive loss	(11,411)	(10,340)
Total shareholders' equity	165,029	149,813
Total liabilities and shareholders' equity	$ 1,755,343	$ 1,707,620