Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2013

Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]

	For the three months ended March 31, 2013					For the three months ended March 31, 2012
(Dollars in thousands)	Number		Balance		Modification description	Number		Balance		Modification description
Multi-family residential		1	$	413	Received a below market interest rate and the loan amortization was extended		-	$	-
Commercial real estate		1		273	Received a below market interest rate and the loan amortization was extended		1		1,388	Received a below market interest rate, loan amortization term extended and loan term extended
One-to-four family - mixed-use property		-		-			2		462	Received a below market interest rate
Commercial business and other		1		615	Received a below market interest rate and the loan term was extended		-		-
Total		3	$	1,301			3	$	1,850

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2013				December 31, 2012
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		-	$	-		2	$	323
Commercial real estate		2		2,987		2		3,075
One-to-four family - mixed-use property		2		688		2		816
Construction		1		7,296		1		7,368
Total troubled debt restructurings that subsequently defaulted		5	$	10,971		7	$	11,582

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(Dollars in thousands)	March 31, 2013		December 31, 2012
Loans ninety days or more past due and still accruing:
Multi-family residential	$	1,073	$	-
Co-operative apartment		103		-
Commercial Business and other		602		644
Total		1,778		644
Non-accrual mortgage loans:
Multi-family residential		18,569		13,095
Commercial real estate		13,811		15,640
One-to-four family - mixed-use property		10,523		16,553
One-to-four family - residential		13,547		13,726
Co-operative apartments		160		234
Construction		7,396		7,695
Total		64,006		66,943
Non-accrual non-mortgage loans:
Small Business Administration		458		283
Commercial Business and other		12,640		16,860
Total		13,098		17,143
Total non-accrual loans		77,104		84,086
Total non-accrual loans and loans ninety days or more past due and still accruing	$	78,882	$	84,730

Schedule Of Interest Foregone On Non Accrual And TDR Loans [Table Text Block]

	For the three months ended March 31,
	2013		2012
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	2,202	$	2,646
Less:  Interest income included in the results of operations		243		147
Total foregone interest	$	1,959	$	2,499

Past Due Financing Receivables [Table Text Block]

(in thousands)	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans
Multi-family residential	$	14,669	$	2,879	$	18,688	$	36,236	$	1,492,117	$	1,528,353
Commercial real estate		11,067		1,309		13,812		26,188		481,744		507,932
One-to-four family - mixed-use property		22,994		2,293		10,135		35,422		580,239		615,661
One-to-four family - residential		4,067		705		13,209		17,981		179,287		197,268
Co-operative apartments		-		-		161		161		8,060		8,221
Construction loans		-		-		7,396		7,396		3,556		10,952
Small Business Administration		31		-		458		489		8,323		8,812
Taxi medallion		-		-		-		-		8,777		8,777
Commercial business and other		62		1		11,451		11,514		291,212		302,726
Total	$	52,890	$	7,187	$	75,310	$	135,387	$	3,053,315	$	3,188,702

(in thousands)	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans
	(in thousands)
Multi-family residential	$	24,059	$	4,828	$	13,095	$	41,982	$	1,492,456	$	1,534,438
Commercial real estate		9,764		3,622		15,639		29,025		486,413		515,438
One-to-four family - mixed-use property		21,012		3,368		16,554		40,934		596,419		637,353
One-to-four family - residential		3,407		2,010		13,602		19,019		179,949		198,968
Co-operative apartments		-		-		234		234		6,069		6,303
Construction loans		2,462		-		7,695		10,157		4,224		14,381
Small Business Administration		404		-		283		687		8,809		9,496
Taxi medallion		-		-		-		-		9,922		9,922
Commercial business and other		2		5		15,601		15,608		279,468		295,076
Total	$	61,110	$	13,833	$	82,703	$	157,646	$	3,063,729	$	3,221,375

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(in thousands)	Multi-family residential		Commercial real estate		One-to-four family - mixed-use property		One-to-four family - residential		Co-operative apartments		Construction loans		Small Business Administration		Taxi medallion		Commercial business and other		Total
Allowance for credit losses:
Beginning balance	$	13,001	$	5,705	$	5,960	$	1,999	$	46	$	66	$	505	$	7	$	3,815	$	31,104
Charge-off's		1,488		681		2,606		691		74		234		204		-		304		6,282
Recoveries		11		80		53		31		-		-		30		-		-		205
Provision		871		556		2,933		738		116		235		140		-		411		6,000
Ending balance	$	12,395	$	5,660	$	6,340	$	2,077	$	88	$	67	$	471	$	7	$	3,922	$	31,027
Ending balance: individually evaluated for impairment	$	209	$	320	$	592	$	60	$	-	$	37	$	-	$	-	$	180		1,398
Ending balance: collectively evaluated for impairment	$	12,186	$	5,340	$	5,748	$	2,017	$	88	$	30	$	471	$	7	$	3,742	$	29,629
Financing Receivables:
Ending balance	$	1,528,353	$	507,932	$	615,661	$	197,268	$	8,221	$	10,952	$	8,812	$	8,777	$	302,726	$	3,188,702
Ending balance: individually evaluated for impairment	$	26,094	$	25,545	$	18,762	$	15,548	$	267	$	10,229	$	505	$	-	$	18,613	$	115,563
Ending balance: collectively evaluated for impairment	$	1,502,259	$	482,387	$	596,899	$	181,720	$	7,954	$	723	$	8,307	$	8,777	$	284,113	$	3,073,139

(in thousands)	Multi-family residential		Commercial real estate		One-to-four family - mixed-use property		One-to-four family - residential		Co-operative apartments		Construction loans		Small Business Administration			Taxi medallion			Commercial business and other		Total
Allowance for credit losses:
Beginning balance	$	11,267	$	5,210	$	5,314	$	1,649	$	80	$	668	$	987		$	41		$	5,128	$	30,344
Charge-off's		6,016		2,746		4,286		1,583		62		4,591		324			-			1,661		21,269
Recoveries		144		307		358		29		-		-		87			-			104		1,029
Provision		7,606		2,934		4,574		1,904		28		3,989		(245	)		(34	)		244		21,000
Ending balance	$	13,001	$	5,705	$	5,960	$	1,999	$	46	$	66	$	505		$	7		$	3,815	$	31,104
Ending balance: individually evaluated for impairment	$	183	$	359	$	571	$	94	$	-	$	38	$	-		$	-		$	249	$	1,494
Ending balance: collectively evaluated for impairment	$	12,818	$	5,346	$	5,389	$	1,905	$	46	$	28	$	505		$	7		$	3,566	$	29,610
Financing Receivables:
Ending balance	$	1,534,438	$	515,438	$	637,353	$	198,968	$	6,303	$	14,381	$	9,496		$	9,922		$	295,076	$	3,221,375
Ending balance: individually evaluated for impairment	$	21,675	$	23,525	$	26,368	$	15,702	$	237	$	14,232	$	850		$	-		$	26,021	$	128,610
Ending balance: collectively evaluated for impairment	$	1,512,763	$	491,913	$	610,985	$	183,266	$	6,066	$	149	$	8,646		$	9,922		$	269,055	$	3,092,765

Impaired Financing Receivables [Table Text Block]

	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential	$	23,637	$	26,895	$	-	$	21,695	$	47
Commercial real estate		18,875		19,644		-		26,774		78
One-to-four family mixed-use property		15,175		17,537				19,115		63
One-to-four family residential		15,176		19,226		-		15,252		20
Co-operative apartments		267		403		-		252		2
Construction		7,835		12,488		-		9,217		-
Non-mortgage loans:						-
Small Business Administration		505		621		-		678		1
Taxi Medallion		-		-		-		-
Commercial Business and other		13,434		15,442		-		8,913		15
Total loans with no related allowance recorded		94,904		112,256		-		101,896		226
With an allowance recorded:
Mortgage loans:
Multi-family residential		2,457		2,458		209		2,190		36
Commercial real estate		6,670		6,736		320		7,222		69
One-to-four family mixed-use property		3,587		3,586		592		3,451		55
One-to-four family residential		372		372		60		373		4
Co-operative apartments		-		-		-		-
Construction		3,137		3,137		37		3,471		28
Non-mortgage loans:
Small Business Administration		-		-		-		-
Taxi Medallion		-		-		-		-
Commercial Business and other		4,436		4,436		180		3,488		52
Total loans with an allowance recorded		20,659		20,725		1,398		20,195		244
Total Impaired Loans:
Total mortgage loans	$	97,188	$	112,482	$	1,218	$	109,012	$	402
Total non-mortgage loans	$	18,375	$	20,499	$	180	$	13,079	$	68

	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential	$	19,753	$	22,889	$	-	$	27,720	$	429
Commercial real estate		34,672		38,594		-		43,976		536
One-to-four family mixed-use property		23,054		25,825		-		27,018		485
One-to-four family residential		15,328		18,995		-		15,047		186
Co-operative apartments		237		299		-		174		2
Construction		10,598		15,182		-		14,689		173
Non-mortgage loans:
Small Business Administration		850		1,075		-		1,042		25
Taxi Medallion		-		-		-		-		-
Commercial Business and other		4,391		5,741		-		5,102		53
Total loans with no related allowance recorded		108,883		128,600		-		134,768		1,889
With an allowance recorded:
Mortgage loans:
Multi-family residential		1,922		1,937		183		3,174		124
Commercial real estate		7,773		7,839		359		6,530		400
One-to-four family mixed-use property		3,314		3,313		571		4,385		205
One-to-four family residential		374		374		94		188		19
Co-operative apartments		-		-		-		101		-
Construction		3,805		3,805		38		4,275		140
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		2,539		2,540		249		2,273		116
Total loans with an allowance recorded		19,727		19,808		1,494		20,926		1,004
Total Impaired Loans:
Total mortgage loans	$	120,830	$	139,052	$	1,245	$	147,277	$	2,699
Total non-mortgage loans	$	7,780	$	9,356	$	249	$	8,417	$	194

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)	Special Mention		Substandard (1)		Doubtful		Loss		Total
Multi-family residential	$	11,153	$	23,690	$	-	$	-	$	34,843
Commercial real estate		8,600		25,545		-		-		34,145
One-to-four family - mixed-use property		11,813		17,039		-		-		28,852
One-to-four family - residential		2,842		15,176		-		-		18,018
Co-operative apartments		-		267		-		-		267
Construction loans		3,137		7,834		-		-		10,971
Small Business Administration		226		141		-		-		367
Commercial business and other		2,228		14,792		1,080		-		18,100
Total loans	$	39,999	$	104,484	$	1,080	$	-	$	145,563

(In thousands)	Special Mention		Substandard (1)		Doubtful		Loss		Total
Multi-family residential	$	16,345	$	19,327	$	-	$	-	$	35,672
Commercial real estate		11,097		27,877		-		-		38,974
One-to-four family - mixed-use property		13,104		24,635		-		-		37,739
One-to-four family - residential		5,223		15,328		-		-		20,551
Co-operative apartments		103		237		-		-		340
Construction loans		3,805		10,598		-		-		14,403
Small Business Administration		323		212		244		-		779
Commercial business and other		3,044		18,419		1,080		-		22,543
Total loans	$	53,044	$	116,633	$	1,324	$	-	$	171,001

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	For the three months ended March 31
(In thousands)	2013			2012
Balance, beginning of period	$	31,104		$	30,344
Provision for loan losses		6,000			6,000
Charge-off's		(6,282	)		(6,019	)
Recoveries		205			293
Balance, end of period	$	31,027		$	30,618

Schedule Of Net Loan Charge-Offs [Table Text Block]

	Three Months Ended
(In thousands)	March 31, 2013		March 31, 2012
Multi-family residential	$	1,477	$	1,004
Commercial real estate		601		1,710
One-to-four family – mixed-use property		2,553		1,412
One-to-four family – residential		660		825
Co-operative apartments		74		42
Construction		234		234
Small Business Administration		174		104
Commercial business and other		304		395
Total net loan charge-offs	$	6,077	$	5,726

Peforming According To Restructed Terms [Member]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2013				December 31, 2012
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		9	$	2,816		8	$	2,347
Commercial real estate		6		8,698		5		8,499
One-to-four family - mixed-use property		7		2,326		7		2,336
One-to-four family - residential		1		372		1		374
Construction		1		3,137		1		3,805
Commercial business and other		3		3,135		2		2,540
Total performing troubled debt restructured		27	$	20,484		24	$	19,901