Consolidated Statements of Income (Unaudited) - USD ($)		3 Months Ended		6 Months Ended
		Jun. 30, 2019	Jun. 30, 2018	Jun. 30, 2019	Jun. 30, 2018
Interest and dividend income
Interest and fees on loans		$ 62,273,000	$ 57,322,000	$ 124,603,000	$ 112,339,000
Interest and dividends on securities:
Interest		6,811,000	5,616,000	13,720,000	11,084,000
Dividends		19,000	17,000	38,000	31,000
Other interest income		472,000	338,000	1,027,000	625,000
Total interest and dividend income		69,575,000	63,293,000	139,388,000	124,079,000
Interest expense
Deposits		22,827,000	14,788,000	44,296,000	26,898,000
Other interest expense		6,739,000	5,865,000	13,280,000	11,932,000
Total interest expense		29,566,000	20,653,000	57,576,000	38,830,000
Net interest income		40,009,000	42,640,000	81,812,000	85,249,000
Provision for loan losses		1,474,000	0	2,446,000	153,000
Net interest income after provision for loan losses		38,535,000	42,640,000	79,366,000	85,096,000
Non-interest income
Banking services fee income		1,059,000	1,000,000	2,032,000	1,948,000
Net loss on sale of securities		(15,000)	0	(15,000)	0
Net gain on sale of loans		114,000	421,000	177,000	158,000
Net gain on sale of assets		770,000	0	770,000	0
Net loss from fair value adjustments		(1,956,000)	(267,000)	(4,036,000)	(367,000)
Federal Home Loan Bank of New York stock dividends		826,000	881,000	1,729,000	1,757,000
Life insurance proceeds		0	0	43,000	776,000
Bank owned life insurance		810,000	776,000	1,550,000	1,538,000
Other income		843,000	357,000	1,144,000	558,000
Total non-interest income		2,451,000	3,168,000	3,394,000	6,368,000
Non-interest expense
Salaries and employee benefits		15,668,000	15,291,000	34,834,000	33,746,000
Occupancy and equipment		2,742,000	2,476,000	5,531,000	5,053,000
Professional services		1,806,000	2,439,000	4,071,000	4,624,000
FDIC deposit insurance		667,000	547,000	1,152,000	1,047,000
Data processing		1,420,000	1,426,000	2,912,000	2,827,000
Depreciation and amortization		1,497,000	1,455,000	3,015,000	2,844,000
Other real estate owned/foreclosure expense		20,000	40,000	97,000	136,000
Net gain from sales of real estate owned		0	(27,000)	0	(27,000)
Other operating expenses		3,338,000	3,749,000	7,965,000	8,440,000
Total non-interest expense		27,158,000	27,396,000	59,577,000	58,690,000
Income before income taxes		13,828,000	18,412,000	23,183,000	32,774,000
Provision for income taxes
Federal		2,981,000	3,311,000	4,924,000	5,918,000
State and local		291,000	1,178,000	635,000	1,521,000
Total taxes		3,272,000	4,489,000	5,559,000	7,439,000
Net income		$ 10,556,000	$ 13,923,000	$ 17,624,000	$ 25,335,000
Basic earnings per common share (in dollars per share)		$ 0.37	$ 0.48	$ 0.61	$ 0.88
Diluted earnings per common share (in dollars per share)	[1]	0.37	0.48	0.61	0.88
Dividends per common share (in dollars per share)		$ 0.21	$ 0.20	$ 0.42	$ 0.40

[1] For the three and six months ended June 30, 2019 and 2018, there were no common stock equivalents that were anti-dilutive.