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Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2015

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		For the three months ended March 31, 2015
(Dollars in thousands)		Number				Balance			Modification description
Small Business Administration			1			$	41		Received a below market interest rate and the loan amortization was extended
Total			1			$	41

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

(In thousands)		March 31, 2015				December 31, 2014
Loans ninety days or more past due and still accruing:
Multi-family residential		$	-			$	676
Commercial real estate			753				820
One-to-four family - mixed-use property			195				405
One-to-four family - residential			13				14
Commercial Business and other			1,932				386
Total			2,893				2,301
Non-accrual mortgage loans:
Multi-family residential			6,902				6,878
Commercial real estate			3,021				5,689
One-to-four family - mixed-use property			7,224				6,936
One-to-four family - residential			11,212				11,244
Total			28,359				30,747
Non-accrual non-mortgage loans:
Small business administration			232				-
Commercial business and other			1,035				1,143
Total			1,267				1,143
Total non-accrual loans			29,626				31,890
Total non-accrual loans and loans ninety days or more past due and still accruing		$	32,519			$	34,191

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

		For the three months ended March 31,
		2015				2014
		(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms		$	691			$	1,067
Less: Interest income included in the results of operations			148				155
Total foregone interest		$	543			$	912

Past Due Financing Receivables [Table Text Block]

(in thousands)		30 - 59 Days ast Due				60 - 89 Days Past Due				Greater than 90 Days				Total Past Due				Current				Total Loans
Multi-family residential		$	8,595			$	-			$	6,903			$	15,498			$	1,997,751			$	2,013,249
Commercial real estate			3,202				-				3,774				6,976				680,847				687,823
One-to-four family - mixed-use property			10,522				-				7,418				17,940				555,987				573,927
One-to-four family - residential			1,694				175				11,022				12,891				177,475				190,366
Co-operative apartments			-				-				-				-				9,413				9,413
Construction loans			-				-				-				-				2,828				2,828
Small Business Administration			56				93				232				381				7,624				8,005
Taxi medallion			-				-				-				-				21,346				21,346
Commercial business and other			4				-				2,688				2,692				475,131				477,823
Total		$	24,073			$	268			$	32,037			$	56,378			$	3,928,402			$	3,984,780

(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		$	7,721			$	1,729			$	7,554			$	17,004			$	1,906,456			$	1,923,460
Commercial real estate			2,171				1,344				6,510				10,025				611,544				621,569
One-to-four family - mixed-use property			10,408				1,154				7,341				18,903				554,876				573,779
One-to-four family - residential			1,751				2,244				11,051				15,046				172,526				187,572
Co-operative apartments			-				-				-				-				9,835				9,835
Construction loans			3,000				-				-				3,000				2,286				5,286
Small Business Administration			90				-				-				90				7,044				7,134
Taxi medallion			-				-				-				-				22,519				22,519
Commercial business and other			6				1,585				740				2,331				445,169				447,500
Total		$	25,147			$	8,056			$	33,196			$	66,399			$	3,732,255			$	3,798,654

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		$	8,827			$	4,202			$	5,840			$	1,690			$	-			$	42			$	279			$	11			$	4,205			$	25,096
Charge-offs			(97	)			(18	)			(78	)			(153	)			-				-				-				-				(51	)			(397	)
Recoveries			23				72				3				-				-				-				20				-				8				126
Provision (Benefit)			(124	)			(354	)			(336	)			(72	)			-				(19	)			(33	)			-				204				(734	)
Ending balance		$	8,629			$	3,902			$	5,429			$	1,465			$	-			$	23			$	266			$	11			$	4,366			$	24,091
Ending balance: individually evaluated for impairment		$	267			$	19			$	566			$	54			$	-			$	-			$	-			$	-			$	139			$	1,045
Ending balance: collectively evaluated for impairment		$	8,362			$	3,883			$	4,863			$	1,411			$	-			$	23			$	266			$	11			$	4,227			$	23,046
Financing Receivables:
Ending Balance		$	2,013,249			$	687,823			$	573,927			$	190,366			$	9,413			$	2,828			$	8,005			$	21,346			$	477,823			$	3,984,780
Ending balance: individually evaluated for impairment		$	13,743			$	6,575			$	14,548			$	13,954			$	-			$	-			$	359			$	-			$	8,848			$	58,027
Ending balance: collectively evaluated for impairment		$	1,999,506			$	681,248			$	559,379			$	176,412			$	9,413			$	2,828			$	7,646			$	21,346			$	468,975			$	3,926,753

(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-offs			(605	)			(47	)			(83	)			(42	)			-				-				-				-				(124	)			(901	)
Recoveries			7				382				40				68				7				-				10				-				-				514
Provision (Benefit)			(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

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		$	11,329			$	12,423			$	-			$	10,905			$	56
Commercial real estate			6,033				6,173				-				6,567				39
One-to-four family mixed-use property			11,471				12,668				-				11,749				57
One-to-four family residential			13,603				16,523				-				13,210				25
Co-operative apartments			-				-				-				-				-
Construction			-				-				-				-				-
Non-mortgage loans:
Small Business Administration			318				318				-				159				1
Taxi Medallion			-				-				-				-				-
Commercial Business and other			6,242				6,612				-				4,511				69
Total loans with no related allowance recorded			48,996				54,717				-				47,101				247
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,414				2,414				267				2,597				32
Commercial real estate			542				542				19				1,458				7
One-to-four family mixed-use property			3,077				3,077				566				3,085				42
One-to-four family residential			351				351				54				353				4
Co-operative apartments			-				-				-				-				-
Construction			-				-				-				-				-
Non-mortgage loans:
Small Business Administration			41				41				-				21				1
Taxi Medallion			-				-				-				-				-
Commercial Business and other			2,606				2,606				139				2,660				35
Total loans with an allowance recorded			9,031				9,031				1,045				10,174				121
Total Impaired Loans:
Total mortgage loans		$	48,820			$	54,171			$	906			$	49,924			$	262
Total non-mortgage loans		$	9,207			$	9,577			$	139			$	7,351			$	106

		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		$	10,481			$	11,551			$	-			$	14,168			$	194
Commercial real estate			7,100				7,221				-				11,329				51
One-to-four family mixed-use property			12,027				13,381				-				12,852				321
One-to-four family residential			12,816				15,709				-				13,015				103
Co-operative apartments			-				-				-				-				-
Construction			-				-				-				285				-
Non-mortgage loans:
Small Business Administration			-				-				-				-				-
Taxi Medallion			-				-				-				-				-
Commercial Business and other			2,779				3,149				-				3,428				137
Total loans with no related allowance recorded			45,203				51,011				-				55,077				806
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,779				2,779				286				2,936				149
Commercial real estate			2,373				2,373				21				3,242				167
One-to-four family mixed-use property			3,093				3,093				579				3,249				170
One-to-four family residential			354				354				54				358				14
Co-operative apartments			-				-				-				-				-
Construction			-				-				-				187				-
Non-mortgage loans:
Small Business Administration			-				-				-				-				-
Taxi Medallion			-				-				-				-				-
Commercial Business and other			2,713				2,713				154				3,149				115
Total loans with an allowance recorded			11,312				11,312				1,094				13,121				615
Total Impaired Loans:
Total mortgage loans		$	51,023			$	56,461			$	940			$	61,621			$	1,169
Total non-mortgage loans		$	5,492			$	5,862			$	154			$	6,577			$	252

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)		Special Mention				Substandard				Doubtful				Loss				Total
Multi-family residential		$	3,492			$	11,076			$	-			$	-			$	14,568
Commercial real estate			3,426				4,211				-				-				7,637
One-to-four family - mixed-use property			4,455				12,179				-				-				16,634
One-to-four family - residential			1,560				12,984				-				-				14,544
Co-operative apartments			-				618				-				-				618
Construction loans			-				-				-				-				-
Small Business Administration			294				222				-				-				516
Commercial business and other			1,293				7,164				-				-				8,457
Total loans		$	14,520			$	48,454			$	-			$	-			$	62,974

(In thousands)		Special Mention				Substandard				Doubtful				Loss				Total
Multi-family residential		$	6,494			$	10,226			$	-			$	-			$	16,720
Commercial real estate			5,453				7,100				-				-				12,553
One-to-four family - mixed-use property			5,254				12,499				-				-				17,753
One-to-four family - residential			2,352				13,056				-				-				15,408
Co-operative apartments			623				-				-				-				623
Construction loans			-				-				-				-				-
Small Business Administration			479				-				-				-				479
Commercial business and other			2,841				3,779				-				-				6,620
Total loans		$	23,496			$	46,660			$	-			$	-			$	70,156

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

		For the three months ended March 31
(In thousands)		2015				2014
Balance, beginning of period		$	25,096			$	31,776
Benefit for loan losses			(734	)			(1,119	)
Charge-off's			(397	)			(901	)
Recoveries			126				514
Balance, end of period		$	24,091			$	30,270

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

		Three Months Ended
(In thousands)		March 31, 2015				March 31, 2014
Multi-family residential		$	74			$	598
Commercial real estate			(54	)			(335	)
One-to-four family – mixed-use property			75				43
One-to-four family – residential			153				(26	)
Co-operative apartments			-				(7	)
Construction			-				-
Small Business Administration			(20	)			(10	)
Commercial business and other			43				124
Total net loan charge-offs		$	271			$	387

Performing According to Restructured Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			9			$	2,669				10			$	3,034
Commercial real estate			3				2,364				3				2,373
One-to-four family - mixed-use property			7				2,369				7				2,381
One-to-four family - residential			1				351				1				354
Small business administration			1				41				-				-
Commercial business and other			4				2,208				4				2,249
Total performing troubled debt restructured			25			$	10,002				25			$	10,391

Not Performing To Restructured Terms [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			1			$	359				-			$	-
Commercial real estate			-				-				1				2,252
One-to-four family - mixed use property			1				188				1				187
Total troubled debt restructurings that subsequently defaulted			2			$	547				2			$	2,439

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