Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest and dividend income:
Interest on loans receivable	$ 13,375	$ 12,663	$ 38,319	$ 36,818
Interest on deposits due from banks	5	117	74	498
Interest and dividend on available-for-sale securities and FHLBNY stock	223	173	633	433
Total interest and dividend income	13,603	12,953	39,026	37,749
Interest expense:
Interest on certificates of deposit	1,597	1,896	5,154	5,756
Interest on other deposits	500	759	1,726	2,211
Interest on borrowings	655	533	1,850	1,211
Total interest expense	2,752	3,188	8,730	9,178
Net interest income	10,851	9,765	30,296	28,571
Provision for loan losses (Note 5)	620	14	2,037	163
Net interest income after provision for loan losses	10,231	9,751	28,259	28,408
Non-interest income:
Service charges and fees	236	247	629	705
Brokerage commissions	447	36	519	169
Late and prepayment charges	145	150	277	551
Gain on sale of mortgage loans	1,372		1,372
Loan origination	269		269
Gain on sale of real property	4,412		4,412
Other	371	146	970	593
Total non-interest income	7,252	579	8,448	2,018
Non-interest expense:
Compensation and benefits	5,554	4,667	15,207	14,157
Occupancy and equipment	2,584	1,943	6,878	5,586
Data processing expenses	596	398	1,559	1,182
Direct loan expenses	437	183	848	521
Insurance and surety bond premiums	138	146	387	312
Office supplies, telephone and postage	386	281	1,014	869
Professional fees	1,553	956	4,516	2,199
Marketing and promotional expenses	127	46	506	119
Directors fees	69	69	207	225
Regulatory dues	49	70	151	173
Other operating expenses	834	575	2,311	1,789
Total non-interest expense	12,327	9,334	33,584	27,132
Income before income taxes	5,156	996	3,123	3,294
Provision for income taxes (Note 9)	1,147	287	898	967
Net income	$ 4,009	$ 709	$ 2,225	$ 2,327
Earnings per share for the period (Note 11)
Basic	$ 0.24	$ 0.04	$ 0.13	$ 0.13
Diluted	$ 0.24	$ 0.04	$ 0.13	$ 0.13