Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2014

Note 5 - Loans (Tables) [Line Items]

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

	For the three months ended March 31, 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		1		273	Received a below market interest rate and the loan amortization was extended
Commercial business and other		1		615	Received a below market interest rate and the loan term was extended
Total		3	$	1,301

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2014				December 31, 2013
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Commercial real estate		1	$	2,245		1	$	2,332
Construction		1		746		-		-
Commercial business and other		1		2,000		-		-
Total troubled debt restructurings that subsequently defaulted		3	$	4,991		1	$	2,332

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

(Dollars in thousands)	March 31, 2014		December 31, 2013
Loans ninety days or more past due and still accruing:
Multi-family residential	$	188	$	52
Commercial real estate		793		-
One-to-four family - mixed-use property		874		-
One-to-four family - residential		15		15
Construction		1,012		-
Commercial Business and other		2,490		539
Total		5,372		606
Non-accrual mortgage loans:
Multi-family residential (1)		12,062		13,297
Commercial real estate		8,769		9,962
One-to-four family - mixed-use property		7,977		9,063
One-to-four family - residential		12,208		13,250
Co-operative apartments		-		57
Total		41,016		45,629
Non-accrual non-mortgage loans:
Commercial Business and other		2,165		2,348
Total		2,165		2,348
Total non-accrual loans		43,181		47,977
Total non-accrual loans and loans ninety days or more past due and still accruing	$	48,553	$	48,583

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

	For the three months ended March 31,
	2014		2013
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	1,067	$	2,202
Less:  Interest income included in the results of operations		155		243
Total foregone interest	$	912	$	1,959

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	$	13,267	$	2,204	$	12,062	$	27,533	$	1,695,231	$	1,722,764
Commercial real estate		4,876		1,250		8,769		14,895		494,833		509,728
One-to-four family - mixed-use property		13,193		1,382		7,977		22,552		564,930		587,482
One-to-four family - residential		1,849		903		11,999		14,751		179,860		194,611
Co-operative apartments		-		-		-		-		9,974		9,974
Construction loans		-		-		-		-		4,859		4,859
Small Business Administration		198		-		-		198		7,430		7,628
Taxi medallion		-		-		-		-		24,127		24,127
Commercial business and other		483		-		1,198		1,681		425,725		427,406
Total	$	33,866	$	5,739	$	42,005	$	81,610	$	3,406,969	$	3,488,579

(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	$	14,101	$	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

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	$	12,084		$	4,959		$	6,328		$	2,079		$	104		$	444		$	458		$	-	$	5,320		$	31,776
Charge-off's		(605	)		(47	)		(83	)		(42	)		-			-			-			-		(124	)		(901	)
Recoveries		7			382			40			68			7			-			10			-		-			514
Provision		(383	)		85			857			(161	)		(111	)		(404	)		(77	)		14		(939	)		(1,119	)
Ending balance	$	11,103		$	5,379		$	7,142		$	1,944		$	-		$	40		$	391		$	14	$	4,257		$	30,270
Ending balance: individually evaluated for impairment	$	304		$	210		$	617		$	57		$	-		$	9		$	-		$	-	$	218		$	1,415
Ending balance: collectively evaluated for impairment	$	10,799		$	5,169		$	6,525		$	1,887		$	-		$	31		$	391		$	14	$	4,039		$	28,855
Financing Receivables:
Ending balance	$	1,722,764		$	509,728		$	587,482		$	194,611		$	9,974		$	4,859		$	7,628		$	24,127	$	427,406		$	3,488,579
Ending balance: individually evaluated for impairment	$	20,898		$	19,558		$	16,060		$	13,941		$	-		$	1,316		$	-		$	-	$	10,155		$	81,928
Ending balance: collectively evaluated for impairment	$	1,701,866		$	490,170		$	571,422		$	180,670		$	9,974		$	3,543		$	7,628		$	24,127	$	417,251		$	3,406,651

(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

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	$	18,087	$	20,620	$	-	$	18,398	$	59
Commercial real estate		16,536		16,828		-		16,629		115
One-to-four family mixed-use property		12,914		15,307		-		12,831		57
One-to-four family residential		13,579		16,636		-		13,803		19
Co-operative apartments		-		-		-		30		-
Construction		570		570		-		285		-
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		5,364		6,952		-		4,295		43
Total loans with no related allowance recorded		67,050		76,913		-		66,271		293
With an allowance recorded:
Mortgage loans:
Multi-family residential		2,811		2,811		304		2,930		38
Commercial real estate		3,022		3,088		210		3,029		48
One-to-four family mixed-use property		3,146		3,146		617		3,669		43
One-to-four family residential		362		362		57		363		4
Co-operative apartments		-		-		-		-		-
Construction		746		746		9		746		-
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		4,791		4,791		218		4,843		38
Total loans with an allowance recorded		14,878		14,944		1,415		15,580		171
Total Impaired Loans:
Total mortgage loans	$	71,773	$	80,114	$	1,197	$	72,713	$	383
Total non-mortgage loans	$	10,155	$	11,743	$	218	$	9,138	$	81

	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

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)	Special Mention		Substandard		Doubtful		Loss		Total
Multi-family residential	$	10,554	$	16,216	$	1,607	$	-	$	28,377
Commercial real estate		32,375		19,005		-		-		51,380
One-to-four family - mixed-use property		6,757		14,029		-		-		20,786
One-to-four family - residential		2,423		13,580		-		-		16,003
Co-operative apartments		-		-		-		-		-
Construction loans		-		1,316		-		-		1,316
Small Business Administration		302		-		-		-		302
Commercial business and other		5,288		10,104		50		-		15,442
Total loans	$	57,699	$	74,250	$	1,657	$	-	$	133,606

(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

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

	For the three months ended March 31
(In thousands)	2014			2013
Balance, beginning of period	$	31,776		$	31,104
Provision (benefit) for loan losses		(1,119	)		6,000
Charge-off's		(901	)		(6,282	)
Recoveries		514			205
Balance, end of period	$	30,270		$	31,027

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

	Three Months Ended
(In thousands)	March 31, 2014			March 31, 2013
Multi-family residential	$	598		$	1,477
Commercial real estate		(335	)		601
One-to-four family – mixed-use property		43			2,553
One-to-four family – residential		(26	)		660
Co-operative apartments		(7	)		74
Construction		-			234
Small Business Administration		(10	)		174
Commercial business and other		124			304
Total net loan charge-offs	$	387		$	6,077

Performing According To Restructed Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2014				December 31, 2013
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		10	$	3,074		10	$	3,087
Commercial real estate		4		3,669		4		3,686
One-to-four family - mixed-use property		8		2,680		8		2,692
One-to-four family - residential		1		362		1		364
Construction		-		-		1		746
Commercial business and other		3		1,097		4		3,127
Total performing troubled debt restructured		26	$	10,882		28	$	13,702