CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash	$ 89,263	$ 92,403
Interest-bearing deposits in other financial institutions	679,929	471,326
Cash and cash equivalents	769,192	563,729
Available-for-sale securities	432,938	414,933
Mortgage loans held for sale	10,809	17,780
Loans receivable, net of allowance for credit losses of $63,629 - September 2021; net of allowance for loan losses of $55,743 - December 2020	4,025,686	4,296,804
Interest receivable	11,290	12,793
Prepaid expenses and other assets	43,120	58,889
Other real estate owned and repossessions, net	1,242	1,877
Premises and equipment, net	134,813	139,170
Goodwill and other intangible assets	6,239	6,944
Federal Home Loan Bank stock and other interest earning assets	6,655	9,806
Current and deferred income taxes	9,851	3,695
Total Assets	5,451,835	5,526,420
Liabilities:
Deposits	4,510,196	4,516,903
Securities sold under reverse repurchase agreements with customers	167,295	164,174
Short-term borrowings and other interest-bearing liabilities	1,673	1,518
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	73,910	148,397
Accrued interest payable	1,730	2,594
Advances from borrowers for taxes and insurance	8,896	7,536
Accrued expenses and other liabilities	29,368	29,783
Liability for unfunded commitments	8,352
Total Liabilities	4,827,194	4,896,679
Stockholders' Equity:
Serial preferred stock - $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2021 and December 2020 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2021 - 13,366,737 shares; December 2020 - 13,752,605 shares	134	138
Additional paid-in capital	37,468	35,004
Retained earnings	549,800	541,448
Accumulated other comprehensive income	37,239	53,151
Total Stockholders' Equity	624,641	629,741
Total Liabilities and Stockholders' Equity	$ 5,451,835	$ 5,526,420