Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income
Interest and fees on loans	$ 82,889	$ 67,516
Interest and dividends on securities:
Interest	7,240	3,745
Dividends	29	8
Other interest income	1,959	51
Total interest and dividend income	92,117	71,320
Interest expense
Deposits	39,056	3,408
Other interest expense	7,799	4,433
Total interest expense	46,855	7,841
Net interest income	45,262	63,479
Provision for credit losses	7,508	1,358
Net interest income after provision for credit losses	37,754	62,121
Non-interest income
Banking services fee income	1,411	1,374
Net gain on sale of loans	54	0
Net gain (loss) from fair value adjustments	2,619	(1,809)
Federal Home Loan Bank of New York stock dividends	697	397
Bank owned life insurance	1,109	1,114
Other income	1,018	237
Total non-interest income	6,908	1,313
Non-interest expense
Salaries and employee benefits	20,887	23,649
Occupancy and equipment	3,793	3,604
Professional services	2,483	2,222
FDIC deposit insurance	977	420
Data processing	1,435	1,424
Depreciation and amortization of bank premises and equipment	1,510	1,460
Other real estate owned / foreclosure expense	165	84
Other operating expenses	6,453	5,931
Total non-interest expense	37,703	38,794
Income before income taxes	6,959	24,640
Provision for income taxes
Federal	1,367	4,650
State and local	434	1,771
Total provision for income taxes	1,801	6,421
Net income	$ 5,158	$ 18,219
Basic earnings per common share	$ 0.17	$ 0.58
Diluted earnings per common share	0.17	0.58
Dividends per common share	$ 0.22	$ 0.22