CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash	$ 92,579	$ 105,262
Interest-bearing deposits in other financial institutions	89,736	63,258
Cash and cash equivalents	182,315	168,520
Available-for-sale securities	447,948	490,592
Held-to-maturity securities	196,716	202,495
Mortgage loans held for sale	5,678	4,811
Loans receivable, net of allowance for credit losses of $64,753 - September 2023; $63,480 - December 2022	4,564,567	4,506,836
Interest receivable	19,366	19,107
Prepaid expenses and other assets	103,441	69,461
Other real estate owned and repossessions, net	38	233
Premises and equipment, net	139,893	141,070
Goodwill and other intangible assets	10,585	10,813
Federal Home Loan Bank stock and other interest-earning assets	36,038	30,814
Current and deferred income taxes	41,493	35,950
Total Assets	5,748,078	5,680,702
Liabilities:
Deposits	4,851,548	4,684,910
Securities sold under reverse repurchase agreements with customers	58,172	176,843
Short-term borrowings and other interest-bearing liabilities	84,110	89,583
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,504	74,281
Accrued interest payable	6,619	3,010
Advances from borrowers for taxes and insurance	10,227	6,590
Accrued expenses and other liabilities	96,251	73,808
Liability for unfunded commitments	9,176	12,816
Total Liabilities	5,216,381	5,147,615
Stockholders' Equity:
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2023 and December 2022 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2023 - 11,864,363 shares; December 2022 - 12,231,290 shares	119	122
Additional paid-in capital	43,701	42,445
Retained earnings	564,658	543,875
Accumulated other comprehensive income (loss)	(76,781)	(53,355)
Total Stockholders' Equity	531,697	533,087
Total Liabilities and Stockholders' Equity	$ 5,748,078	$ 5,680,702