CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Interest income:
Loans secured by real estate		$ 50,117	$ 49,177
C&I loans		4,045	3,436
Other loans		15	18
Mortgage-backed securities ("MBS")		3,305	3,197
Investment securities		421	420
Other short-term investments		1,002	1,447
Total interest income		58,905	57,695
Interest expense:
Deposits and escrow		11,926	15,017
Borrowed funds		6,455	7,354
Total interest expense		18,381	22,371
Net interest income		40,524	35,324
Provision for loan losses		8,012	321
Net interest income after provision for loan losses		32,512	35,003
Non-interest income:
Service charges and other fees		1,203	1,099
Mortgage banking income, net		66	68
Net (loss) gain on securities and other assets	[1]	(464)	192
Gain on sale of loans		315	255
Income from BOLI		1,887	694
Loan level derivative income		1,163	0
Other		66	52
Total non-interest income		4,236	2,360
Non-interest expense:
Salaries and employee benefits		14,916	11,884
Stock-based compensation		671	284
Occupancy and equipment		4,056	3,869
Data processing costs		2,024	2,066
Marketing		397	466
Federal deposit insurance premiums		477	454
Other		3,499	3,029
Total non-interest expense		26,040	22,052
Income before income taxes		10,708	15,311
Income tax expense		2,316	3,810
Net income		8,392	11,501
Preferred stock dividends		0	0
Net income available to common stockholders		$ 8,325	$ 11,464
Earnings per common share ("EPS"):
Basic (in dollars per share)		$ 0.24	$ 0.32
Diluted (in dollars per share)		$ 0.24	$ 0.32

[1] Amount includes periodic valuation gains or losses on marketable equity securities.