CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from financial institutions	$ 28,153	$ 33,040
Interest-earning deposits in other financial institutions	97,657	96,932
Total cash and cash equivalents	125,810	129,972
Equity investments	2,032	1,909
Securities available for sale, at estimated fair value	266,721	242,258
Securities held to maturity, estimated fair value of $3,857 at March 31, 2019 and $4,858 at December 31, 2018	3,861	4,875
FHLBNY and FRBNY Stock, at cost	3,143	3,138
Loans, net of deferred loan fees	1,299,037	1,311,906
Allowance for loan losses	(19,745)	(18,944)
Loans, net	1,279,292	1,292,962
Loans held for sale	658	502
Premises and equipment, net	24,279	24,980
Operating lease right-of-use assets	8,391	0
Goodwill	21,824	21,824
Other intangible assets, net	1,188	1,351
Bank-owned life insurance	3,063	3,048
Accrued interest receivable and other assets	29,310	28,524
Total assets	1,769,572	1,755,343
Deposits:
Non-interest-bearing	462,000	484,433
Interest-bearing	1,104,502	1,084,804
Total deposits	1,566,502	1,569,237
Long term finance lease obligation	4,250
Long term finance lease obligation		4,304
Operating lease liabilities	8,399
Dividends payable	1,257	1,254
Accrued interest payable and other liabilities	17,630	15,519
Total liabilities	1,598,038	1,590,314
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2019 and December 31, 2018	53	53
Additional paid-in capital	46,174	45,820
Retained earnings	146,340	143,129
Treasury stock, at cost; 474,174 shares at March 31, 2019 and 488,844 shares at December 31, 2018	(12,191)	(12,562)
Accumulated other comprehensive loss	(8,842)	(11,411)
Total shareholders' equity	171,534	165,029
Total liabilities and shareholders' equity	$ 1,769,572	$ 1,755,343