Note 5 - Loans (Tables)

6 Months Ended

Jun. 30, 2013

Note 5 - Loans (Tables) [Line Items]

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

	For the three months ended June 30, 2013					For the three months ended June 30, 2012
(Dollars in thousands)	Number		Balance		Modification description	Number		Balance		Modification description
Commercial real estate		1	$	488	Received a below market interest rate, loan amortization term extended and loan term extended		1	$	3,920	Received a below market interest rate, loan amortization term extended and loan term extended
One-to-four family - mixed-use property		1		390	Received a below market interest rate, loan amortization term extended and loan term extended		2		759	Received a below market interest rate
Total		2	$	878			3	$	4,679

	For the six months ended June 30, 2013					For the six months ended June 30, 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		2		761	Received a below market interest rate and the loan amortization was extended		3		5,307	Received a below market interest rate, loan amortization term extended and loan term extended
One-to-four family - mixed-use property		1		390	Received a below market interest rate and the loan amortization was extended		3		1,222	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		5	$	2,179			6	$	6,529

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	June 30, 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		2,899		2		3,075
One-to-four family - mixed-use property		1		340		2		816
Construction		1		7,296		1		7,368
Total troubled debt restructurings that subsequently defaulted		4	$	10,535		7	$	11,582

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

(Dollars in thousands)	June 30, 2013		December 31, 2012
Loans ninety days or more past due and still accruing:
One-to-four family - residential	$	15	$	-
Commercial Business and other		558		644
Total		573		644
Non-accrual mortgage loans:
Multi-family residential		19,273		13,095
Commercial real estate		12,676		15,640
One-to-four family - mixed-use property		10,937		16,553
One-to-four family - residential		12,158		13,726
Co-operative apartments		160		234
Construction		7,326		7,695
Total		62,530		66,943
Non-accrual non-mortgage loans:
Small Business Administration		445		283
Commercial Business and other		9,999		16,860
Total		10,444		17,143
Total non-accrual loans		72,974		84,086
Total non-accrual loans and loans ninety days or more past due and still accruing	$	73,547	$	84,730

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

	For the three months ended June 30,				For the six months ended June 30,
	2013		2012		2013		2012
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	1,697	$	2,295	$	3,510	$	4,733
Less: Interest income included in the results of operations		220		218		496		492
Total foregone interest	$	1,477	$	2,077	$	3,014	$	4,241

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	$	17,221	$	1,739	$	19,273	$	38,233	$	1,568,857	$	1,607,090
Commercial real estate		6,693		686		12,676		20,055		506,008		526,063
One-to-four family - mixed-use property		19,345		2,499		11,447		33,291		571,963		605,254
One-to-four family - residential		3,568		1,564		11,945		17,077		179,241		196,318
Co-operative apartments		-		-		160		160		9,175		9,335
Construction loans		-		-		7,326		7,326		4,124		11,450
Small Business Administration		114		-		445		559		8,006		8,565
Taxi medallion		-		-		-		-		5,114		5,114
Commercial business and other		1		501		8,775		9,277		297,620		306,897
Total	$	46,942	$	6,989	$	72,047	$	125,978	$	3,150,108	$	3,276,086

(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		2,749		734		3,135		691		74		304		337		-		864		8,888
Recoveries		65		293		111		106		4		-		60		-		-		639
Provision		2,641		620		3,498		685		123		434		269		-		1,230		9,500
Ending balance	$	12,958	$	5,884	$	6,434	$	2,099	$	99	$	196	$	497	$	7	$	4,181	$	32,355
Ending balance: individually evaluated for impairment	$	272	$	290	$	693	$	60	$	-	$	34	$	-	$	-	$	377	$	1,726
Ending balance: collectively evaluated for impairment	$	12,080	$	5,549	$	6,121	$	2,117	$	141	$	163	$	463	$	7	$	3,911	$	30,552
Financing Receivables:
Ending balance	$	1,607,090	$	526,063	$	605,254	$	196,318	$	9,335	$	11,450	$	8,565	$	5,114	$	306,897	$	3,276,086
Ending balance: individually evaluated for impairment	$	26,012	$	34,895	$	19,146	$	14,530	$	266	$	9,710	$	483	$	-	$	7,551	$	112,593
Ending balance: collectively evaluated for impairment	$	1,581,078	$	491,168	$	586,108	$	181,788	$	9,069	$	1,740	$	8,082	$	5,114	$	299,346	$	3,163,493

(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	$	22,976	$	26,127	$	-	$	23,307	$	43
Commercial real estate		26,950		27,728		-		22,913		203
One-to-four family mixed-use property		14,529		17,301		-		14,852		82
One-to-four family residential		14,161		18,272		-		14,669		49
Co-operative apartments		266		384		-		267		4
Construction		7,794		12,518		-		7,815		-
Non-mortgage loans:
Small Business Administration		483		554		-		494		1
Taxi Medallion		-		-		-		-		-
Commercial Business and other		2,547		4,008		-		7,991		21
Total loans with no related allowance recorded		89,706		106,892		-		92,308		403
With an allowance recorded:
Mortgage loans:
Multi-family residential		3,036		3,037		272		2,747		84
Commercial real estate		7,945		8,011		290		7,308		174
One-to-four family mixed-use property		4,617		4,616		693		4,102		115
One-to-four family residential		369		369		60		371		7
Co-operative apartments		-		-		-		-		-
Construction		1,916		1,916		34		2,527		32
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		5,004		5,004		377		4,720		127
Total loans with an allowance recorded		22,887		22,953		1,726		21,775		539
Total Impaired Loans:
Total mortgage loans	$	104,559	$	120,279	$	1,349	$	100,878	$	793
Total non-mortgage loans	$	8,034	$	9,566	$	377	$	13,205	$	149

	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	$	10,523	$	23,600	$	-	$	-	$	34,123
Commercial real estate		7,578		24,638		-		-		32,216
One-to-four family - mixed-use property		10,829		17,089		-		-		27,918
One-to-four family - residential		2,133		14,161		-		-		16,294
Co-operative apartments		-		266		-		-		266
Construction loans		1,916		7,794		-		-		9,710
Small Business Administration		323		108		-		-		431
Commercial business and other		2,206		15,093		425		-		17,724
Total loans	$	35,508	$	102,749	$	425	$	-	$	138,682

(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 six months ended June 30
(In thousands)	2013			2012
Balance, beginning of period	$	31,104		$	30,344
Provision for loan losses		9,500			11,000
Charge-off's		(8,888	)		(10,883	)
Recoveries		639			438
Balance, end of period	$	32,355		$	30,899

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

	Three Months Ended					Six Months Ended
(In thousands)	June 30, 2013			June 30, 2012		June 30, 2013		June 30, 2012
Multi-family residential	$	1,207		$	1,078	$	2,684	$	2,082
Commercial real estate		(160	)		387		441		2,097
One-to-four family – mixed-use property		471			838		3,024		2,250
One-to-four family – residential		(75	)		44		585		869
Co-operative apartments		(4	)		1		70		43
Construction		70			2,207		304		2,441
Small Business Administration		103			138		277		242
Commercial business and other		560			26		864		421
Total net loan charge-offs	$	2,172		$	4,719	$	8,249	$	10,445

Peforming According To Restructed Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	June 30, 2013				December 31, 2012
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		11	$	2,822		8	$	2,347
Commercial real estate		7		9,327		5		8,499
One-to-four family - mixed-use property		8		2,712		7		2,336
One-to-four family - residential		1		369		1		374
Construction		1		1,916		1		3,805
Commercial business and other		3		3,109		2		2,540
Total performing troubled debt restructured		31	$	20,255		24	$	19,901