Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2013

Note 5 - Loans (Tables) [Line Items]

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

	For the thee months ended September 30, 2012
(Dollars in thousands)	Number		Balance		Modification description
One-to-four family - residential		1	$	400	Received a below market interest rate
Commercial business and other		2		1,900	Received a below market interest rate and the loan amortization was extended
Total		3	$	2,300

	For the nine months ended September 30, 2013
(Dollars in thousands)	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
One-to-four family - mixed-use property		1		390	Received a below market interest rate and the loan amortization was extended
One-to-four family - residential		-		-
Commercial business and other		1		615	Received a below market interest rate and the loan amortization was extended
Total		5	$	2,179

	For the nine months ended September 30, 2012
(Dollars in thousands)	Number		Balance		Modification description
Multi-family residential		-	$	-
Commercial real estate		3		5,300	Received a below market interest rate and the loan amortization was extended
One-to-four family - mixed-use property		3		1,200	Received a below market interest rate
One-to-four family - residential		1		400	Received a below market interest rate
Commercial business and other		2		1,900	Received a below market interest rate and the loan amortization was extended
Total		9	$	8,800

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 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		2,705		2		3,075
One-to-four family - mixed-use property		-		-		2		816
Construction		1		5,000		1		7,368
Total troubled debt restructurings that subsequently defaulted		3	$	7,705		7	$	11,582

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

(Dollars in thousands)	September 30, 2013		December 31, 2012
Loans ninety days or more past due and still accruing:
Multi-family residential	$	479	$	-
Commercial real estate		298		-
One-to-four family - residential		15		-
Commercial Business and other		502		644
Total		1,294		644
Non-accrual mortgage loans:
Multi-family residential		17,999		13,095
Commercial real estate		10,653		15,640
One-to-four family - mixed-use property		9,854		16,553
One-to-four family - residential		13,229		13,726
Co-operative apartments		160		234
Construction		367		7,695
Total		52,262		66,943
Non-accrual non-mortgage loans:
Small Business Administration		-		283
Commercial Business and other		2,564		16,860
Total		2,564		17,143
Total non-accrual loans		54,826		84,086
Total non-accrual loans and loans ninety days or more past due and still accruing	$	56,120	$	84,730

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

	For the three months ended  September 30,				For the nine months ended  September 30,
	2013		2012		2013		2012
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	1,507	$	2,177	$	4,520	$	6,650
Less:  Interest income included in the results of operations		225		251		959		1,136
Total foregone interest	$	1,282	$	1,926	$	3,561	$	5,514

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	$	15,471	$	2,864	$	17,999	$	36,334	$	1,647,943	$	1,684,277
Commercial real estate		9,378		5,015		10,653		25,046		491,268		516,314
One-to-four family - mixed-use property		19,497		685		9,854		30,036		565,399		595,435
One-to-four family - residential		2,276		1,200		13,018		16,494		180,165		196,659
Co-operative apartments		-		-		160		160		10,005		10,165
Construction loans		-		-		367		367		4,278		4,645
Small Business Administration		148		-		-		148		7,855		8,003
Taxi medallion		-		-		-		-		5,088		5,088
Commercial business and other		-		-		773		773		363,296		364,069
Total	$	46,770	$	9,764	$	52,824	$	109,358	$	3,275,297	$	3,384,655

(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	$	12,958		$	5,884		$	6,434		$	2,099		$	99	$	196		$	497		$	4		$	4,184		$	32,355
Charge-off's		(710	)		(171	)		(645	)		(4	)		-		(2,374	)		(89	)		-			(1,193	)		(5,186	)
Recoveries		90			-			58			11			-		-			17			-			36			212
Provision		(561	)		(603	)		76			(152	)		-		2,443			71			(4	)		2,165			3,435
Ending balance	$	11,777		$	5,110		$	5,923		$	1,954		$	99	$	265		$	496		$	-		$	5,192		$	30,816
Ending balance: individually evaluated for impairment	$	265		$	270		$	649		$	59		$	-	$	17		$	-		$	-		$	166		$	1,426
Ending balance: collectively evaluated for impairment	$	11,512		$	4,840		$	5,274		$	1,895		$	99	$	248		$	496		$	-		$	5,026		$	29,390
Financing Receivables:
Ending balance	$	1,684,277		$	516,314		$	595,435		$	196,659		$	10,165	$	4,645		$	8,003		$	5,088		$	364,069		$	3,384,655
Ending balance: individually evaluated for impairment	$	26,068		$	24,738		$	16,980		$	15,120		$	164	$	2,341		$	-		$	-		$	5,110		$	90,521
Ending balance: collectively evaluated for impairment	$	1,658,209		$	491,576		$	578,455		$	181,539		$	10,001	$	2,304		$	8,003		$	5,088		$	358,959		$	3,294,134

(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	$	12,065		$	6,329		$	5,786		$	1,821		$	100		$	727		$	656		$	28		$	3,387		$	30,899
Charge-off's		(3,090	)		(179	)		(1,072	)		(198	)		(19	)		(59	)		(59	)		-			(965	)		(5,641	)
Recoveries		9			124			258			-			-			-			36			-			2			429
Provision		3,596			(397	)		983			340			(33	)		(602	)		(54	)		(18	)		1,185			5,000
Ending balance	$	12,580		$	5,877		$	5,955		$	1,963		$	48		$	66		$	579		$	10		$	3,609		$	30,687
Ending balance: individually evaluated for impairment	$	62		$	385		$	713		$	95		$	-		$	50		$	-		$	-		$	304		$	1,609
Ending balance: collectively evaluated for impairment	$	12,518		$	5,492		$	5,242		$	1,868		$	48		$	16		$	579		$	10		$	3,305		$	29,078
Financing Receivables:
Ending balance	$	1,482,765		$	527,337		$	653,151		$	202,291		$	6,632		$	16,319		$	10,764		$	13,103		$	260,998		$	3,173,360
Ending balance: individually evaluated for impairment	$	23,049		$	25,368		$	31,208		$	15,429		$	237		$	16,319		$	1,404		$	-		$	25,300		$	138,314
Ending balance: collectively evaluated for impairment	$	1,459,716		$	501,969		$	621,943		$	186,862		$	6,395		$	-		$	9,360		$	13,103		$	235,698		$	3,035,046

(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		(3,459	)		(905	)		(3,780	)		(695	)		(74	)		(2,678	)		(426	)		-			(2,057	)		(14,074	)
Recoveries		155			293			169			117			4			-			77			-			36			851
Provision		2,080			17			3,574			533			123			2,877			340			(7	)		3,398			12,935
Ending balance	$	11,777		$	5,110		$	5,923		$	1,954		$	99		$	265		$	496		$	-		$	5,192		$	30,816
Ending balance: individually evaluated for impairment	$	265		$	270		$	649		$	59		$	-		$	17		$	-		$	-		$	166		$	1,426
Ending balance: collectively evaluated for impairment	$	11,512		$	4,840		$	5,274		$	1,895		$	99		$	248		$	496		$	-		$	5,026		$	29,390
Financing Receivables:
Ending balance	$	1,684,277		$	516,314		$	595,435		$	196,659		$	10,165		$	4,645		$	8,003		$	5,088		$	364,069		$	3,384,655
Ending balance: individually evaluated for impairment	$	26,068		$	24,738		$	16,980		$	15,120		$	164		$	2,341		$	-		$	-		$	5,110		$	90,521
Ending balance: collectively evaluated for impairment	$	1,658,209		$	491,576		$	578,455		$	181,539		$	10,001		$	2,304		$	8,003		$	5,088		$	358,959		$	3,294,134

(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		(5,252	)		(2,401	)		(3,401	)		(1,096	)		(62	)		(2,500	)		(324	)		-			(1,488	)		(16,524	)
Recoveries		89			249			337			29			-			-			59			-			104			867
Provision		6,476			2,819			3,705			1,381			30			1,898			(143	)		(31	)		(135	)		16,000
Ending balance	$	12,580		$	5,877		$	5,955		$	1,963		$	48		$	66		$	579		$	10		$	3,609		$	30,687
Ending balance: individually evaluated for impairment	$	62		$	385		$	713		$	95		$	-		$	50		$	-		$	-		$	304		$	1,609
Ending balance: collectively evaluated for impairment	$	12,518		$	5,492		$	5,242		$	1,868		$	48		$	16		$	579		$	10		$	3,305		$	29,078
Financing Receivables:
Ending balance	$	1,482,765		$	527,337		$	653,151		$	202,291		$	6,632		$	16,319		$	10,764		$	13,103		$	260,998		$	3,173,360
Ending balance: individually evaluated for impairment	$	23,049		$	25,368		$	31,208		$	15,429		$	237		$	16,319		$	1,404		$	-		$	25,300		$	138,314
Ending balance: collectively evaluated for impairment	$	1,459,716		$	501,969		$	621,943		$	186,862		$	6,395		$	-		$	9,360		$	13,103		$	235,698		$	3,035,046

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	$	23,043	$	26,245	$	-	$	23,219	$	208
Commercial real estate		16,836		17,786		-		20,887		205
One-to-four family mixed-use property		13,210		15,685		-		14,305		149
One-to-four family residential		14,753		18,840		-		14,697		330
Co-operative apartments		164		282		-		232		-
Construction		425		651		-		5,351		-
Non-mortgage loans:
Small Business Administration		-		-		-		329		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		2,028		4,328		-		6,003		110
Total loans with no related allowance recorded		70,459		83,817		-		85,023		1,002
With an allowance recorded:
Mortgage loans:
Multi-family residential		3,025		3,026		265		2,839		109
Commercial real estate		7,902		7,968		270		7,506		232
One-to-four family mixed-use property		3,770		3,769		649		3,991		165
One-to-four family residential		367		367		59		369		11
Co-operative apartments		-		-		-		-		-
Construction		1,916		1,916		17		2,323		48
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		3,082		3,082		166		4,174		111
Total loans with an allowance recorded		20,062		20,128		1,426		21,202		676
Total Impaired Loans:
Total mortgage loans	$	85,411	$	96,535	$	1,260	$	95,719	$	1,457
Total non-mortgage loans	$	5,110	$	7,410	$	166	$	10,506	$	221

	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	$	10,847	$	23,250	$	-	$	-	$	34,097
Commercial real estate		12,885		21,300		-		-		34,185
One-to-four family - mixed-use property		9,656		14,931		-		-		24,587
One-to-four family - residential		1,714		14,753		-		-		16,467
Co-operative apartments		-		164		-		-		164
Construction loans		1,916		425		-		-		2,341
Small Business Administration		336		-		-		-		336
Commercial business and other		2,000		5,939		50		-		7,989
Total loans	$	39,354	$	80,762	$	50	$	-	$	120,166

(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 September 30						For the nine months ended September 30
(In thousands)	2013			2012			2013			2012
Balance, beginning of period	$	32,355		$	30,899		$	31,104		$	30,344
Provision for loan losses		3,435			5,000			12,935			16,000
Charge-off's		(5,186	)		(5,641	)		(14,074	)		(16,524	)
Recoveries		212			429			851			867
Balance, end of period	$	30,816		$	30,687		$	30,816		$	30,687

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

	Three Months Ended					Nine Months Ended
(In thousands)	September 30, 2013			September 30, 2012		September 30, 2013		September 30, 2012
Multi-family residential	$	620		$	3,081	$	3,304	$	5,163
Commercial real estate		171			55		612		2,152
One-to-four family – mixed-use property		587			814		3,611		3,064
One-to-four family – residential		(7	)		198		578		1,067
Co-operative apartments		-			19		70		62
Construction		2,374			59		2,678		2,500
Small Business Administration		72			23		349		265
Commercial business and other		1,157			963		2,021		1,384
Total net loan charge-offs	$	4,974		$	5,212	$	13,223	$	15,657

Performing According To Restructed Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2013				December 31, 2012
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		9	$	2,812		8	$	2,347
Commercial real estate		6		8,652		5		8,499
One-to-four family - mixed-use property		8		2,704		7		2,336
One-to-four family - residential		1		367		1		374
Construction		1		1,916		1		3,805
Commercial business and other		3		3,082		2		2,540
Total performing troubled debt restructured		28	$	19,533		24	$	19,901