Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Operating Activities
Net income	$ 16,882	$ 17,624
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit loan losses	16,797	2,446
Depreciation and amortization of bank premises and equipment	3,091	3,015
Amortization of premium, net of accretion of discount	3,235	2,831
Net (gain) loss from fair value adjustments	(4,212)	4,036
Net loss from fair value adjustments on qualifying hedges	2,438	1,455
Net gain from sale of loans	(42)	(177)
Net loss from sale of securities	91	15
Net gain from sale of asset	0	(770)
Net loss from OREO	31	0
Income from bank owned life insurance	(1,875)	(1,550)
Life insurance proceeds	(659)	(43)
Stock-based compensation expense	4,531	5,246
Deferred compensation	(3,060)	(1,634)
Deferred income tax benefit	(2,546)	(1,390)
(Decrease) increase in other liabilities	(1,411)	172
Decrease (increase) in other assets	(3,398)	1,975
Net cash provided by operating activities	29,893	33,251
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of bank premises and equipment	(1,433)	(1,220)
Net redemptions (purchases) of Federal Home Loan Bank of New York shares	521	(5,747)
Purchases of securities held-to-maturity	0	(30,030)
Proceeds from maturities and calls of securities held-to-maturity	180	1,568
Proceeds from prepayments of securities held-to-maturity	300	290
Purchases of securities available for sale	(130,344)	(72,494)
Proceeds from sales and calls of securities available for sale	139,741	59,493
Proceeds from maturities and prepayments of securities available for sale	87,658	43,357
Proceeds from sale of assets	0	813
Proceeds from bank owned life insurance	0	777
Purchase of bank owned life insurance	0	(25,000)
Net (originations) repayments of loans	(72,371)	22,741
Purchases of loans	(112,245)	(115,550)
Proceeds from sale of loans	580	3,239
Net cash used in investing activities	(87,413)	(117,763)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in non-interest bearing deposits	146,809	66
Net decrease in interest-bearing deposits	(119,076)	(90,398)
Net increase in mortgagors' escrow deposits	4,150	7,340
Net proceeds from short-term borrowed funds	0	165,750
Proceeds from long-term borrowings	204,378	14,950
Repayment of long-term borrowings	(127,762)	(61,310)
Purchases of treasury stock	(3,865)	(1,885)
Proceeds from issuance of common stock upon exercise of stock options	0	3
Cash dividends paid	(12,147)	(12,081)
Net cash provided by financing activities	92,487	22,435
Net increase (decrease) in cash and cash equivalents	34,967	(62,077)
Cash and cash equivalents, beginning of period	49,787	118,561
Cash and cash equivalents, end of period	84,754	56,484
SUPPLEMENTAL CASH FLOW DISCLOSURE
Interest paid	44,272	56,117
Income taxes paid	4,664	2,776
Taxes paid if excess tax benefits were not tax deductible	4,446	2,743
Non-cash activities:
Loans transferred to REO	0	239
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 50	$ 42