CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash	$ 99,403	$ 90,008
Interest-bearing deposits in other financial institutions	96,305	627,259
Cash and cash equivalents	195,708	717,267
Available-for-sale securities	519,472	501,032
Held-to-maturity securities	215,354
Mortgage loans held for sale	2,782	8,735
Loans receivable, net of allowance for credit losses of $61,058 - June 2022; $60,754 - December 2021	4,361,559	4,007,500
Interest receivable	13,558	10,705
Prepaid expenses and other assets	59,468	45,176
Other real estate owned and repossessions, net	329	2,087
Premises and equipment, net	136,147	132,733
Goodwill and other intangible assets	11,246	6,081
Federal Home Loan Bank stock and other interest-earning assets	13,364	6,655
Current and deferred income taxes	23,009	11,973
Total Assets	5,551,996	5,449,944
Liabilities:
Deposits	4,516,205	4,552,101
Securities sold under reverse repurchase agreements with customers	145,838	137,116
Short-term borrowings and other interest-bearing liabilities	171,889	1,839
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,133	73,984
Accrued interest payable	791	646
Advances from borrowers for taxes and insurance	8,874	6,147
Accrued expenses and other liabilities	47,189	25,956
Liability for unfunded commitments	11,659	9,629
Total Liabilities	5,002,352	4,833,192
Stockholders' Equity:
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding June 2022 and December 2021 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding June 2022 - 12,343,449 shares; December 2021 - 13,128,493 shares	123	131
Additional paid-in capital	40,565	38,314
Retained earnings	522,255	545,548
Accumulated other comprehensive income (loss)	(13,299)	32,759
Total Stockholders' Equity	549,644	616,752
Total Liabilities and Stockholders' Equity	$ 5,551,996	$ 5,449,944