CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash	$ 90,481	$ 90,008
Interest-bearing deposits in other financial institutions	262,557	627,259
Cash and cash equivalents	353,038	717,267
Available-for-sale securities	461,375	501,032
Held-to-maturity securities	227,441
Mortgage loans held for sale	1,672	8,735
Loans receivable, net of allowance for credit losses of $60,797 - March 2022; $60,754 - December 2021	4,111,487	4,007,500
Interest receivable	12,458	10,705
Prepaid expenses and other assets	44,994	45,176
Other real estate owned and repossessions, net	1,720	2,087
Premises and equipment, net	131,742	132,733
Goodwill and other intangible assets	5,923	6,081
Federal Home Loan Bank stock and other interest earning assets	6,564	6,655
Current and deferred income taxes	15,862	11,973
Total Assets	5,374,276	5,449,944
Liabilities:
Deposits	4,489,337	4,552,101
Securities sold under reverse repurchase agreements with customers	148,019	137,116
Short-term borrowings and other interest-bearing liabilities	2,942	1,839
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,058	73,984
Accrued interest payable	1,656	646
Advances from borrowers for taxes and insurance	7,325	6,147
Accrued expenses and other liabilities	33,178	25,956
Liability for unfunded commitments	9,436	9,629
Total Liabilities	4,791,725	4,833,192
Stockholders' Equity:
Serial preferred stock - $.01 par value; authorized 1,000,000 shares; issued and outstanding March 2022 and December 2021 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding March 2022 - 12,760,972 shares; December 2021 - 13,128,493 shares	128	131
Additional paid-in capital	40,004	38,314
Retained earnings	533,736	545,548
Accumulated other comprehensive income	8,683	32,759
Total Stockholders' Equity	582,551	616,752
Total Liabilities and Stockholders' Equity	$ 5,374,276	$ 5,449,944