CONSOLIDATED STATEMENT OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income	$ 6,097	$ 8,531
Adjustments to reconcile net income to net cash:
Net depreciation amortization and accretion	1,203	454
Provision (credit) for loan losses	4,790	(2,031)
Net change in deferred loan fees	(270)	731
Income tax	(1,423)
Gain on sale of available-for-sale securities	975
Employee and non-employee stock-based expense	812	686
Gain on sale of loans	(18)
Dividends earned on CRA fund	(12)
Unrealized gain/loss of equity securities	(36)	(39)
Net change in:
Accrued interest receivable	(246)	(889)
Accounts payable, accrued expenses and other liabilities	2,678	9,205
Prepaid third-party debit cardholder balances	12,776	7,838
Accrued interest payable	(83)	(298)
Accounts receivable, net	3,834	4,580
Receivable from prepaid card programs, net	(10,783)	(8,298)
Prepaid expenses and other assets	2,471	559
Net cash provided by operating activities	20,815	21,029
Cash flows from investing activities:
Loan originations, purchases and payments, net of recoveries	(102,966)	(233,318)
Proceeds from loans sold	9,968
Redemptions of other investments		1,350
Purchases of other investments	(18)	(2,715)
Proceeds from calls of securities available for sale	5,000
Proceeds from sales of securities available for sale	20,975	0
Proceeds from paydowns and maturities of securities available for sale	15,438	1,042
Proceeds from paydowns and maturities of securities held to maturity	194	172
Purchase of derivative contract	(2,980)
Purchase of premises and equipment, net	(3,785)	48
Net cash used in investing activities	(58,174)	(233,421)
Cash flows from financing activities:
Proceeds from FHLB advances		350,000
Repayments of FHLB advances		(320,000)
Redemption of common stock for tax withholdings for restricted stock vesting	(579)	(88)
Payments of secured borrowings	(1,275)
Net increase in deposits	230,918	305,576
Net cash provided by financing activities	229,064	335,488
Increase in cash and cash equivalents	191,705	123,096
Cash and cash equivalents at the beginning of the period	390,723	232,950
Cash and cash equivalents at the end of the period	582,428	356,046
Cash paid for:
Interest	7,181	6,395
Income Taxes	$ 1,850	$ 1,200