CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Cash	$ 95,102	$ 92,403
Interest-bearing deposits in other financial institutions	517,454	471,326
Cash and cash equivalents	612,556	563,729
Available-for-sale securities	457,668	414,933
Mortgage loans held for sale	30,492	17,780
Loans receivable, net of allowance for credit losses of $67,702 - March 2021; net of allowance for loan losses of $55,743 - December 2020	4,285,737	4,296,804
Interest receivable	13,027	12,793
Prepaid expenses and other assets	43,009	58,889
Other real estate owned and repossessions, net	1,851	1,877
Premises and equipment, net	137,684	139,170
Goodwill and other intangible assets	6,655	6,944
Federal Home Loan Bank stock and other interest earning assets	6,655	9,806
Current and deferred income taxes	8,436	3,695
Total Assets	5,603,770	5,526,420
Liabilities:
Deposits	4,626,936	4,516,903
Securities sold under reverse repurchase agreements with customers	140,666	164,174
Short-term borrowings and other interest-bearing liabilities	2,636	1,518
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	148,580	148,397
Accrued interest payable	2,444	2,594
Advances from borrowers for taxes and insurance	7,909	7,536
Accrued expenses and other liabilities	29,351	29,783
Liability for unfunded commitments	8,017
Total Liabilities	4,992,313	4,896,679
Stockholders' Equity:
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding March 2021 -13,693,644 shares; December 2020 - 13,752,605 shares	137	138
Additional paid-in capital	35,661	35,004
Retained earnings	537,969	541,448
Accumulated other comprehensive income	37,690	53,151
Total Stockholders' Equity	611,457	629,741
Total Liabilities and Stockholders' Equity	$ 5,603,770	$ 5,526,420