CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash	$ 89,682	$ 105,262
Interest-bearing deposits in other financial institutions	94,994	63,258
Cash and cash equivalents	184,676	168,520
Available-for-sale securities	493,330	490,592
Held-to-maturity securities	200,427	202,495
Mortgage loans held for sale	6,099	4,811
Loans receivable, net of allowance for credit losses of $64,987 - March 2023; $63,480 - December 2022	4,569,328	4,506,836
Interest receivable	17,484	19,107
Prepaid expenses and other assets	89,055	69,461
Other real estate owned and repossessions, net	154	233
Premises and equipment, net	141,485	141,070
Goodwill and other intangible assets	10,702	10,813
Federal Home Loan Bank stock and other interest-earning assets	27,658	30,814
Current and deferred income taxes	28,322	35,950
Total Assets	5,768,720	5,680,702
Liabilities:
Deposits	4,799,107	4,684,910
Securities sold under reverse repurchase agreements with customers	70,654	176,843
Short-term borrowings and other interest-bearing liabilities	155,710	89,583
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,356	74,281
Accrued interest payable	4,671	3,010
Advances from borrowers for taxes and insurance	8,086	6,590
Accrued expenses and other liabilities	62,861	73,808
Liability for unfunded commitments	11,990	12,816
Total Liabilities	5,213,209	5,147,615
Stockholders' Equity:
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding March 2023 and December 2022 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding March 2023 - 12,133,886 shares; December 2022 - 12,231,290 shares	121	122
Additional paid-in capital	42,870	42,445
Retained earnings	553,948	543,875
Accumulated other comprehensive income (loss)	(41,428)	(53,355)
Total Stockholders' Equity	555,511	533,087
Total Liabilities and Stockholders' Equity	$ 5,768,720	$ 5,680,702