Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2014

Note 5 - Loans (Tables) [Line Items]

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

	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
Commercial business and other		1		615		Received a below market interest rate and the loan term was extended
Total		5	$	2,179

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2014				December 31, 2013
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Commercial real estate		1	$	2,186		1	$	2,332
One-to-four family - mixed-use property		1		187		-		-
Total troubled debt restructurings that subsequently defaulted		2	$	2,373		1	$	2,332

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

(In thousands)	September 30, 2014		December 31, 2013
Loans 90 days or more past due and still accruing:
Multi-family residential	$	97	$	52
Commercial real estate		264		-
One-to-four family - mixed-use property		421		-
One-to-four family - residential		14		15
Commercial Business and other		351		539
Total		1,147		606
Non-accrual mortgage loans:
Multi-family residential (1)		7,287		13,297
Commercial real estate		5,972		9,962
One-to-four family - mixed-use property		9,083		9,063
One-to-four family - residential		11,022		13,250
Co-operative apartments		-		57
Total		33,364		45,629
Non-accrual non-mortgage loans:
Commercial Business and other		1,155		2,348
Total		1,155		2,348
Total non-accrual loans		34,519		47,977
Total non-accrual loans and loans ninety days or more past due and still accruing	$	35,666	$	48,583

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,
	2014		2013		2014		2013
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	841	$	1,507	$	2,523	$	4,520
Less:  Interest income included in the results of operations		153		225		572		959
Total foregone interest	$	688	$	1,282	$	1,951	$	3,561

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	$	11,095	$	2,728	$	7,287	$	21,110	$	1,784,940	$	1,806,050
Commercial real estate		7,978		936		5,972		14,886		551,093		565,979
One-to-four family - mixed-use property		13,731		2,835		9,084		25,650		551,391		577,041
One-to-four family - residential		3,081		1,568		10,814		15,463		176,238		191,701
Co-operative apartments		-		-		-		-		9,779		9,779
Construction loans		-		-		-		-		5,121		5,121
Small Business Administration		96		-		-		96		7,440		7,536
Taxi medallion		-		-		-		-		22,667		22,667
Commercial business and other		4		91		309		404		448,521		448,925
Total	$	35,985	$	8,158	$	33,466	$	77,609	$	3,557,190	$	3,634,799

(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	$	10,750		$	5,327		$	6,993		$	1,790		$	-	$	34	$	373		$	14		$	3,954		$	29,235
Charge-off's		(412	)		(221	)		(47	)		(18	)		-		-		-			-			(5	)		(703	)
Recoveries		3			99			196			104			-		-		15			-			13			430
Provision		(197	)		(219	)		(472	)		(102	)		-		7		(37	)		(3	)		405			(618	)
Ending balance	$	10,144		$	4,986		$	6,670		$	1,774		$	-	$	41	$	351		$	11		$	4,367		$	28,344
Ending balance: individually evaluated for impairment	$	292		$	23		$	591		$	55		$	-	$	-	$	-		$	-		$	168		$	1,129
Ending balance: collectively evaluated for impairment	$	9,852		$	4,963		$	6,079		$	1,719		$	-	$	41	$	351		$	11		$	4,199		$	27,215
Financing Receivables:
Ending balance	$	1,806,050		$	565,979		$	577,041		$	191,701		$	9,779	$	5,121	$	7,536		$	22,667		$	448,925		$	3,634,799
Ending balance: individually evaluated for impairment	$	13,643		$	12,525		$	16,516		$	12,874		$	-	$	-	$	-		$	-		$	6,787		$	62,345
Ending balance: collectively evaluated for impairment	$	1,792,407		$	553,454		$	560,525		$	178,827		$	9,779	$	5,121	$	7,536		$	22,667		$	442,138		$	3,572,454

(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	$	12,084		$	4,959		$	6,328		$	2,079		$	104		$	444		$	458		$	-	$	5,320		$	31,776
Charge-off's		(1,086	)		(307	)		(305	)		(97	)		-			-			(49	)		-		(130	)		(1,974	)
Recoveries		144			481			331			269			7			-			76			-		63			1,371
Provision		(998	)		(147	)		316			(477	)		(111	)		(403	)		(134	)		11		(886	)		(2,829	)
Ending balance	$	10,144		$	4,986		$	6,670		$	1,774		$	-		$	41		$	351		$	11	$	4,367		$	28,344
Ending balance: individually evaluated for impairment	$	292		$	23		$	591		$	55		$	-		$	-		$	-		$	-	$	168		$	1,129
Ending balance: collectively evaluated for impairment	$	9,852		$	4,963		$	6,079		$	1,719		$	-		$	41		$	351		$	11	$	4,199		$	27,215
Financing Receivables:
Ending balance	$	1,806,050		$	565,979		$	577,041		$	191,701		$	9,779		$	5,121		$	7,536		$	22,667	$	448,925		$	3,634,799
Ending balance: individually evaluated for impairment	$	13,643		$	12,525		$	16,516		$	12,874		$	-		$	-		$	-		$	-	$	6,787		$	62,345
Ending balance: collectively evaluated for impairment	$	1,792,407		$	553,454		$	560,525		$	178,827		$	9,779		$	5,121		$	7,536		$	22,667	$	442,138		$	3,572,454

(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

Impaired Financing Receivables [Table Text Block]

	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential	$	10,851	$	12,307	$	-	$	15,397	$	150
Commercial real estate		10,145		10,447		-		12,739		231
One-to-four family mixed-use property		13,406		15,118		-		13,126		208
One-to-four family residential		12,517		15,403		-		13,081		75
Co-operative apartments		-		-		-		-		-
Construction		-		-		-		380		-
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		4,026		5,615		-		4,987		140
Total loans with no related allowance recorded		50,945		58,890		-		59,710		804
With an allowance recorded:
Mortgage loans:
Multi-family residential		2,792		2,792		292		2,988		112
Commercial real estate		2,380		2,380		23		3,532		125
One-to-four family mixed-use property		3,110		3,110		591		3,300		128
One-to-four family residential		357		357		55		359		11
Co-operative apartments		-		-		-		-		-
Construction		-		-		-		249		-
Non-mortgage loans:
Small Business Administration		-		-		-		-		-
Taxi Medallion		-		-		-		-		-
Commercial Business and other		2,761		2,761		168		3,294		113
Total loans with an allowance recorded		11,400		11,400		1,129		13,722		489
Total Impaired Loans:
Total mortgage loans	$	55,558	$	61,914	$	961	$	65,151	$	1,040
Total non-mortgage loans	$	6,787	$	8,376	$	168	$	8,281	$	253

	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(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	$	7,998	$	9,443	$	1,150	$	-	$	18,591
Commercial real estate		9,288		10,145		-		-		19,433
One-to-four family - mixed-use property		6,326		13,883		-		-		20,209
One-to-four family - residential		2,741		12,758		-		-		15,499
Co-operative apartments		-		-		-		-		-
Construction loans		-		-		-		-		-
Small Business Administration		294		-		-		-		294
Commercial business and other		154		4,994		50		-		5,198
Total loans	$	26,801	$	51,223	$	1,200	$	-	$	79,224

(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

Performing According To Restructed Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2014				December 31, 2013
(Dollars in thousands)	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Multi-family residential		10	$	3,050		10	$	3,087
Commercial real estate		4		3,635		4		3,686
One-to-four family - mixed-use property		7		2,393		8		2,692
One-to-four family - residential		1		357		1		364
Construction		-		-		1		746
Commercial business and other		3		1,035		4		3,127
Total performing troubled debt restructured		25	$	10,470		28	$	13,702