CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Cash	$ 63,636	$ 52,814
Federal funds sold	11,992	12,704
Interest-earning deposits in other financial institutions and other short term investments	1,291	8,782
Cash and cash equivalents	76,919	74,300
Securities available for sale (at fair value)	164,112	178,476
Loans held for sale (at fair value)	383,389	220,123
Loans receivable	1,433,803	1,388,031
Less: Allowance for loan losses	17,734	12,387
Loans receivable, net	1,416,069	1,375,644
Office properties and equipment, net	24,183	25,028
Federal Home Loan Bank stock (at cost)	26,720	21,150
Cash surrender value of life insurance	70,718	69,665
Real estate owned, net	702	748
Prepaid expenses and other assets	54,761	31,213
Total assets	2,217,573	1,996,347
Liabilities:
Demand deposits	171,016	130,063
Money market and savings deposits	247,233	197,942
Time deposits	739,417	739,771
Total deposits	1,157,666	1,067,776
Borrowings	599,102	483,562
Advance payments by borrowers for taxes	20,828	4,212
Other liabilities	54,358	47,111
Total liabilities	1,831,954	1,602,661
Shareholders' equity:
Preferred stock (par value $.01 per share) Authorized - 50,000,000 shares in 2019 and 2018, no shares issued	0	0
Common stock (par value $.01 per share) Authorized - 100,000,000 shares in 2019 and 2018 Issued - 27,147,260 in 2019 and 28,463,239 in 2018 Outstanding - 27,147,260 in 2019 and 28,463,239 in 2018	258	271
Additional paid-in capital	192,762	211,997
Retained earnings	205,863	197,393
Unearned ESOP shares	(16,023)	(16,617)
Accumulated other comprehensive loss, net of taxes	2,759	642
Total shareholders' equity	385,619	393,686
Total liabilities and shareholders' equity	$ 2,217,573	$ 1,996,347