Note 3 - Loans (Tables)

12 Months Ended

Dec. 31, 2013

Note 3 - Loans (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	2013		2012
	(In thousands)
Multi-family residential	$	1,712,039	$	1,534,438
Commercial real estate		512,552		515,438
One-to-four family ― mixed-use property		595,751		637,353
One-to-four family ― residential		193,726		198,968
Co-operative apartments		10,137		6,303
Construction		4,247		14,381
Small Business Administration		7,792		9,496
Taxi medallion		13,123		9,922
Commercial business and other		373,641		295,076
Gross loans		3,423,008		3,221,375
Unearned loan fees and deferred costs, net		11,170		12,746
Total loans	$	3,434,178	$	3,234,121

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the year ended December 31, 2013					For the year ended December 31, 2012
(Dollars in thousands)	Number		Balance		Modification description	Number		Balance		Modification description
Multi-family residential		2	$	698	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		3		5,300	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		3		1,200	Received a below market interest rate
One-to-four family - residential		-		-			1		400	Received a below market interest rate
Construction loans
Commercial business and other		2		687	Received a below market interest rate and the loan amortization was extended		2		1,900	Received a below market interest rate and the loan amortization was extended
Total		6	$	2,048			9	$	8,800

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

	At December 31,
(Dollars in thousands)	2013		2012
Loans ninety days or more past due and still accruing:
Multi-family residential	$	52	$	-
One-to-four family residential		15		-
Commercial Business and other		539		644
Total		606		644
Non-accrual mortgage loans:
Multi-family residential		13,297		13,095
Commercial real estate		9,962		15,640
One-to-four family mixed-use property		9,063		16,553
One-to-four family residential		13,250		13,726
Co-operative apartments		57		234
Construction		-		7,695
Total		45,629		66,943
Non-accrual non-mortgage loans:
Small Business Administration		-		283
Commercial Business and other		2,348		16,860
Total		2,348		17,143
Total non-accrual loans		47,977		84,086
Total non-accrual loans and ninety days or more past due and still accruing	$	48,583	$	84,730

Schedule of Interest Foregone On Non-Accrual and TDR Loans [Table Text Block]

	2013		2012		2011
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	4,656	$	9,026	$	9,654
Less:  Interest income included in the results of operations		1,213		1,692		2,126
Total foregone interest	$	3,443	$	7,334	$	7,528

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
	(in thousands)
Multi-family residential	$	14,101	$	2,554	$	13,297	$	29,952	$	1,682,087	$	1,712,039
Commercial real estate		5,029		523		9,962		15,514		497,038		512,552
One-to-four family - mixed-use property		14,017		1,099		9,063		24,179		571,572		595,751
One-to-four family - residential		3,828		518		12,953		17,299		176,427		193,726
Co-operative apartments		99		-		144		243		9,894		10,137
Construction loans		-		-		-		-		4,247		4,247
Small Business Administration		106		-		-		106		7,686		7,792
Taxi medallion		-		-		-		-		13,123		13,123
Commercial business and other		187		2		1,213		1,402		372,239		373,641
Total	$	37,367	$	4,696	$	46,632	$	88,695	$	3,334,313	$	3,423,008

(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		(3,585	)		(1,051	)		(4,206	)		(701	)		(108	)		(2,678	)		(457	)		-			(2,057	)		(14,843	)
Recoveries		541			324			266			272			4			-			87			-			86			1,580
Provision		2,127			(19	)		4,308			509			162			3,056			323			(7	)		3,476			13,935
Ending balance	$	12,084		$	4,959		$	6,328		$	2,079		$	104		$	444		$	458		$	-		$	5,320		$	31,776
Ending balance: individually evaluated for impairment	$	312		$	164		$	875		$	58		$	-		$	17		$	-		$	-		$	222		$	1,648
Ending balance: collectively evaluated for impairment	$	11,772		$	4,795		$	5,453		$	2,021		$	104		$	427		$	458		$	-		$	5,098		$	30,128
Financing Receivables:
Ending balance	$	1,712,039		$	512,552		$	595,751		$	193,726		$	10,137		$	4,247		$	7,792		$	13,123		$	373,641		$	3,423,008
Ending balance: individually evaluated for impairment	$	21,757		$	19,757		$	16,939		$	14,390		$	59		$	746		$	-		$	-		$	8,120		$	81,768
Ending balance: collectively evaluated for impairment	$	1,690,282		$	492,795		$	578,812		$	179,336		$	10,078		$	3,501		$	7,792		$	13,123		$	365,521		$	3,341,240

(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	$	18,709	$	20,931	$	-	$	22,091	$	402
Commercial real estate		16,721		17,405		-		19,846		266
One-to-four family mixed-use property		12,748		15,256		-		13,916		319
One-to-four family residential		14,026		17,527		-		14,529		125
Co-operative apartments		59		147		-		189		-
Construction		-		118		-		4,014		-
Non-mortgage loans:
Small Business Administration		-		-		-		247		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		3,225		5,527		-		5,309		268
Total loans with no related allowance recorded		65,488		76,911		-		80,141		1,380
With an allowance recorded:
Mortgage loans:
Multi-family residential		3,048		3,049		312		2,892		170
Commercial real estate		3,036		3,102		164		6,388		194
One-to-four family mixed-use property		4,191		4,221		875		4,041		228
One-to-four family residential		364		364		58		368		15
Co-operative apartments		-		-		-		-		-
Construction		746		746		17		1,929		18
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-				-		-		-
Commercial Business and other		4,895		4,894		222		4,354		239
Total loans with an allowance recorded		16,280		16,376		1,648		19,972		864
Total Impaired Loans:
Total mortgage loans	$	73,648	$	82,866	$	1,426	$	90,203	$	1,737
Total non-mortgage loans	$	8,120	$	10,421	$	222	$	9,910	$	507

	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		Doubtful		Loss		Total
Multi-family residential	$	9,940	$	19,089	$	-	$	-	$	29,029
Commercial real estate		13,503		16,820		-		-		30,323
One-to-four family - mixed-use property		7,992		14,898		-		-		22,890
One-to-four family - residential		2,848		14,026		-		-		16,874
Co-operative apartments		-		59		-		-		59
Construction loans		746		-		-		-		746
Small Business Administration		310		-		-		-		310
Commercial business and other		7,314		8,450		50		-		15,814
Total loans	$	42,653	$	73,342	$	50	$	-	$	116,045

(In thousands)	Special Mention		Substandard		Doubtful		Loss		Total
Multi-family residential	$	16,345	$	22,769	$	-	$	-	$	39,114
Commercial real estate		11,097		27,877		-		-		38,974
One-to-four family - mixed-use property		13,104		26,506		-		-		39,610
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	$	121,946	$	1,324	$	-	$	176,314

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

	2013			2012			2011
	(In thousands)
Balance, beginning of year	$	31,104		$	30,344		$	27,699
Provision for loan losses		13,935			21,000			21,500
Charge-offs		(14,843	)		(21,269	)		(19,450	)
Recoveries		1,580			1,029			595
Balance, end of year	$	31,776		$	31,104		$	30,344

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

	2013		2012		2011
	(In thousands)
Multi-family residential	$	3,044	$	5,872	$	6,654
Commercial real estate		727		2,439		4,988
One-to-four family ― mixed-use property		3,940		3,928		2,521
One-to-four family ― residential		429		1,554		2,163
Co-operative apartments		104		62		-
Construction		2,678		4,591		1,088
Small Business Administration		370		237		811
Commercial business and other		1,971		1,557		630
Total net loan charge-offs	$	13,263	$	20,240	$	18,855

Performing According to Restructured Terms [Member]

Note 3 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	December 31, 2013				December 31, 2012
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		10	$	3,087		8	$	2,347
Commercial real estate		4		3,686		5		8,499
One-to-four family - mixed-use property		8		2,692		7		2,336
One-to-four family - residential		1		364		1		374
Construction		1		746		1		3,805
Commercial business and other		4		3,127		2		2,540
Total performing troubled debt restructured		28	$	13,702		24	$	19,901

Not Performing To Restructured Terms [Member]

Note 3 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	December 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		1		2,332		2		3,075
One-to-four family - mixed-use property		-		-		2		816
Construction		-		-		1		7,368
Total troubled debt restructurings that subsequently defaulted		1	$	2,332		7	$	11,582