Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest and dividend income
Interest and fees on loans	$ 61,109	$ 62,330
Interest and dividends on securities:
Interest	5,256	6,909
Dividends	15	19
Other interest income	290	555
Total interest and dividend income	66,670	69,813
Interest expense
Deposits	18,778	21,469
Other interest expense	7,066	6,541
Total interest expense	25,844	28,010
Net interest income	40,826	41,803
Provision for credit losses	7,178	972
Net interest income after provision for credit losses	33,648	40,831
Non-interest income
Banking services fee income	798	973
Net loss on sale of securities	(37)	0
Net gain on sale of loans	42	63
Net loss from fair value adjustments	(5,993)	(2,080)
Federal Home Loan Bank of New York stock dividends	964	903
Life insurance proceeds	0	43
Bank owned life insurance	943	740
Other income	419	301
Total non-interest (loss) income	(2,864)	943
Non-interest expense
Salaries and employee benefits	18,620	19,166
Occupancy and equipment	2,840	2,789
Professional services	2,862	2,265
FDIC deposit insurance	650	485
Data processing	1,694	1,492
Depreciation and amortization	1,536	1,518
Other real estate owned/foreclosure expense (benefit)	(164)	77
Net loss from other real estate owned	31	0
Other operating expenses	4,311	4,627
Total non-interest expense	32,380	32,419
(Loss) Income before income taxes	(1,596)	9,355
Provision (Benefit) for income taxes
Federal	989	1,943
State and local	(1,195)	344
Total taxes	(206)	2,287
Net income (Loss)	$ (1,390)	$ 7,068
Basic (loss) earnings per common share (in dollars per share)	$ (0.05)	$ 0.25
Diluted (loss) earnings per common share (in dollars per share)	(0.05)	0.25
Dividends per common share	$ 0.21	$ 0.21