Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Interest on loans receivable	$ 18,200	$ 14,925
Interest on deposits due from banks	36	2
Interest and dividend on available-for-sale securities and FHLBNY stock	782	250
Total interest and dividend income	19,018	15,177
Interest expense:
Interest on certificates of deposit	803	1,219
Interest on other deposits	284	382
Interest on borrowings	593	684
Total interest expense	1,680	2,285
Net interest income	17,338	12,892
Provision for loan losses (Note 5)	1,258	686
Net interest income after provision for loan losses	16,080	12,206
Non-interest income:
Service charges and fees	440	329
Brokerage commissions	338	223
Late and prepayment charges	58	244
Income on sale of mortgage loans	418	1,508
Loan origination	461	539
Gain on sale of real property		663
Other	511	387
Total non-interest income	2,226	3,893
Non-interest expense:
Compensation and benefits	7,125	5,664
Occupancy and equipment	3,192	2,634
Data processing expenses	847	594
Direct loan expenses	874	1,009
Insurance and surety bond premiums	147	146
Office supplies, telephone and postage	405	409
Professional fees	1,334	1,262
Contribution to the Ponce De Leon Foundation (Note 2)	4,995
Grain write-off and write-down (Note 5)	8,074
Marketing and promotional expenses	71	38
Directors fees	71	69
Regulatory dues	83	60
Other operating expenses	856	1,030
Total non-interest expense	28,074	12,915
(Loss) income before income taxes	(9,768)	3,184
(Benefit) provision for income taxes (Note 9)	(2,948)	732
Net (loss) income	$ (6,820)	$ 2,452
(Loss) earnings per share (Note 11):
Basic	$ (0.31)	$ 0.15
Diluted	$ (0.31)	$ 0.15
Weighted average shares outstanding (Note 11):
Basic	21,721,113	16,548,196
Diluted	21,721,113	16,548,196