CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from financial institutions	$ 36,497	$ 33,040
Interest-earning deposits in other financial institutions	109,801	96,932
Total cash and cash equivalents	146,298	129,972
Equity investments, at estimated fair value	2,065	1,909
Securities available for sale, at estimated fair value	267,529	242,258
Securities held to maturity, estimated fair value of $3,443 at September 30, 2019 and $4,858 at December 31, 2018	3,420	4,875
FHLBNY and FRBNY Stock, at cost	3,091	3,138
Loans, net of deferred loan fees	1,306,638	1,311,906
Allowance for loan losses	(23,923)	(18,944)
Loans, net	1,282,715	1,292,962
Loans held for sale	1,313	502
Premises and equipment, net	22,962	24,980
Operating lease right-of-use assets	8,051	0
Goodwill	21,824	21,824
Other intangible assets, net	886	1,351
Bank-owned life insurance	3,096	3,048
Accrued interest receivable and other assets	30,393	28,524
Total assets	1,793,643	1,755,343
Deposits:
Non-interest-bearing	472,600	484,433
Interest-bearing	1,103,906	1,084,804
Total deposits	1,576,506	1,569,237
Long term finance lease obligation	4,140
Long term finance lease obligation		4,304
Operating lease liabilities	8,125
Dividends payable	1,260	1,254
Accrued interest payable and other liabilities	21,568	15,519
Total liabilities	1,611,599	1,590,314
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at September 30, 2019 and December 31, 2018	53	53
Additional paid-in capital	46,464	45,820
Retained earnings	150,759	143,129
Treasury stock, at cost; 465,038 shares at September 30, 2019 and 488,844 shares at December 31, 2018	(11,956)	(12,562)
Accumulated other comprehensive loss	(3,276)	(11,411)
Total shareholders' equity	182,044	165,029
Total liabilities and shareholders' equity	$ 1,793,643	$ 1,755,343