| Net income | 16.99M |
| Depreciation and amortization of premises and equipment | 3.44M |
| Allocation of ESOP stock | |
| Stock awards | 1.18M |
| Amortization of servicing asset | |
| Net premium amortization in excess of discount accretion on securities | 1.3M |
| Net amortization of deferred costs and discounts on loans | |
| Provision for loan losses | 2.11M |
| Net loss (gain) on sale of real estate owned | 208K |
| Net gain on sales of loans | |
| Proceeds from sales of mortgage loans held for sale | 37.69M |
| Mortgage loans originated for sale | -25.08M |
| Increase in value of Bank Owned Life Insurance | -1.52M |
| Increase in interest and dividends receivable | -24K |
| Increase in other assets | 8.46M |
| Decrease in other liabilities | 4.07M |
| Total adjustments | 28.91M |
| Net cash provided by operating activities | |
| Net decrease (increase) in loans receivable | 68.36M |
| Proceeds from maturity or sale of investment securities available for sale | |
| Purchase of investment securities available for sale | |
| Purchase of mortgage-backed securities available for sale | |
| Principal repayments on mortgage-backed securities available for sale | |
| Increase in Federal Home Loan Bank of New York stock | 8.47M |
| Proceeds from sales of real estate owned | 3.19M |
| Purchases of premises and equipment | -4.58M |
| Net cash provided by (used in) investing activities | |
| (Decrease) increase in deposits | 143.1M |
| Increase (decrease) in short-term borrowings | |
| Proceeds from Federal Home Loan Bank advances | |
| Repayments of Federal Home Loan Bank advances | -73.68M |
| Increase in advances by borrowers for taxes and insurance | |
| Exercise of stock options | 2.65M |
| Dividends paid - common stock | -8.79M |
| Redemption of warrants | |
| Tax expense of stock plans | |
| Expenses of common stock offering | |
| Net cash (used in) provided by financing activities | |
| Net (decrease) increase in cash and due from banks | 267.64M |
| Cash and due from banks at beginning of period | |
| Cash and due from banks at end of period | |
| Interest | 8.93M |
| Income taxes | 7.06M |
| Transfer of loans receivable to real estate owned | |