CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Operating activities:
Net income	$ 27,017	$ 16,185
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision (credit) for loan losses	5,285	(650)
Provision for depreciation	1,290	1,215
Deferred taxes	(1,855)	1,768
Stock based compensation	389	598
Net amortization of premium/discount on debt and mortgage related securities	79	113
Amortization of unearned ESOP shares	822	875
Amortization and impairment of mortgage servicing rights	247	109
Gain on sale of loans held for sale	(94,345)	(58,304)
Loans originated for sale	(1,795,178)	(1,270,121)
Proceeds on sales of loans originated for sale	1,726,257	1,225,989
Increase in accrued interest receivable	283	(259)
Increase in cash surrender value of life insurance	(873)	(851)
(Decrease) increase in accrued interest on deposits and borrowings	(155)	136
Decrease in prepaid tax expense	3,731	76
Net gain related to real estate owned	(5)	(20)
Change in other assets and other liabilities	(7,198)	(14,736)
Net cash (used in) provided by operating activities	(134,209)	(97,877)
Investing activities:
Net increase in loans receivable	(46,009)	7,697
Net change on FHLB stock	(5,570)	(2,925)
Purchases of:
Mortgage related securities	(4,455)	(6,759)
Debt securities	(2,500)	0
Bank owned life insurance	(180)	(180)
Premises and equipment, net	(478)	(1,722)
Proceeds from:
Principal repayments on mortgage-related securities	20,791	12,930
Maturities of debt securities	3,360	1,835
Sales of real estate owned	353	1,204
Net cash (used in) provided by investing activities	(34,688)	12,080
Financing activities:
Net increase in deposits	89,890	16,501
Net change in short term borrowings	115,540	18,635
Repayment of long term debt	0	(100,000)
Proceeds from long term debt	0	165,000
Cash paid for advance payments by borrowers for taxes	4,710	3,511
Cash dividends on common stock	(18,759)	(19,774)
Purchase of common stock returned to authorized but unissued	(20,396)	(14,426)
Proceeds from stock option exercises	531	394
Net cash provided by (used in) financing activities	171,516	69,841
Increase (decrease) in cash and cash equivalents	2,619	(15,956)
Cash and cash equivalents at beginning of period	74,300	86,101
Cash and cash equivalents at end of period	76,919	70,145
Cash paid or credited during the period for:
Income tax payments	7,068	3,904
Interest payments	13,693	13,032
Noncash activities:
Loans receivable transferred to real estate owned	299	743
Dividends declared but not paid in other liabilities	$ 3,289	$ 3,541