Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS:
Cash and due from banks	$ 49,526	$ 49,260
Federal funds sold and other short term investments	401,151	454,449
Total cash and cash equivalents	450,677	503,709
Securities available for sale	662,759	501,463
Held to maturity securities (fair value 2019 $20,836; 2018 $22,924)	19,705	22,501
Federal Reserve Bank and Federal Home Loan Bank stock	9,183	8,953
Loans, net of deferred net costs	3,985,319	3,874,096
Less: Allowance for loan losses	44,329	44,766
Net loans	3,940,990	3,829,330
Bank premises and equipment, net	34,168	34,694
Operating lease right-of-use assets	49,618	0
Other assets	55,369	58,263
Total assets	5,222,469	4,958,913
Deposits:
Demand	453,439	405,069
Interest-bearing checking	869,101	904,678
Savings accounts	1,110,947	1,182,683
Money market deposit accounts	570,457	507,311
Time deposits	1,457,223	1,274,506
Total deposits	4,461,167	4,274,247
Short-term borrowings	151,095	161,893
Operating lease liabilities	54,731	0
Accrued expenses and other liabilities	29,313	32,902
Total liabilities	4,696,306	4,469,042
SHAREHOLDERS' EQUITY:
Capital stock par value $1; 150,000,000 shares authorized; 100,199,982 and 100,175,032 shares issued at September 30, 2019 and December 31, 2018, respectively	100,200	100,175
Surplus	176,395	176,710
Undivided profits	280,542	256,397
Accumulated other comprehensive loss, net of tax	(71)	(10,309)
Treasury stock at cost - 3,283,175 and 3,516,440 shares at September 30, 2019 and December 31, 2018, respectively	(30,903)	(33,102)
Total shareholders' equity	526,163	489,871
Total liabilities and shareholders' equity	$ 5,222,469	$ 4,958,913