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Note 5 - Loans (Tables)

6 Months Ended

Jun. 30, 2015

Jun. 30, 2014

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		For the six months ended June 30, 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)		June 30, 2015				December 31, 2014
Loans ninety days or more past due and still accruing:
Multi-family residential		$	-			$	676
Commercial real estate			416				820
One-to-four family - mixed-use property			353				405
One-to-four family - residential			13				14
Commercial Business and other			315				386
Total			1,097				2,301
Non-accrual mortgage loans:
Multi-family residential			6,352				6,878
Commercial real estate			2,694				5,689
One-to-four family - mixed-use property			6,238				6,936
One-to-four family - residential			11,329				11,244
Total			26,613				30,747
Non-accrual non-mortgage loans:
Small business administration			170				-
Commercial business and other			537				1,143
Total			707				1,143
Total non-accrual loans			27,320				31,890
Total non-accrual loans and loans ninety days or more past due and still accruing		$	28,417			$	34,191

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

		For the three months ended June 30,								For the six months ended June 30,
		2015				2014				2015				2014
		(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms		$	662			$	989			$	1,313			$	1,979
Less:  Interest income included in the results of operations			143				151				301				318
Total foregone interest		$	519			$	838			$	1,012			$	1,661

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		$	7,289			$	-			$	6,209			$	13,498			$	2,004,393			$	2,017,891
Commercial real estate			862				417				3,110				4,389				721,747				726,136
One-to-four family - mixed-use property			8,019				588				6,591				15,198				551,862				567,060
One-to-four family - residential			524				354				11,138				12,016				177,557				189,573
Co-operative apartments			-				-				-				-				7,681				7,681
Construction loans			-				-				-				-				3,673				3,673
Small Business Administration			128				-				170				298				11,883				12,181
Taxi medallion			-				-				-				-				21,211				21,211
Commercial business and other			5				466				746				1,217				471,268				472,485
Total		$	16,827			$	1,825			$	27,964			$	46,616			$	3,971,275			$	4,017,891

(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		$	8,629			$	3,902			$	5,429			$	1,465			$	-			$	23			$	266			$	11			$	4,366			$	24,091
Charge-offs			(303	)			(14	)			(394	)			(91	)			-				-				-				-				(1	)			(803	)
Recoveries			191				(4	)			44				74				-				-				7				-				-				312
Provision (Benefit)			(217	)			(158	)			101				(15	)			-				6				18				-				(251	)			(516	)
Ending balance		$	8,300			$	3,726			$	5,180			$	1,433			$	-			$	29			$	291			$	11			$	4,114			$	23,084
Ending balance: individually evaluated for impairment		$	263			$	17			$	507			$	53			$	-			$	-			$	-			$	-			$	127			$	967
Ending balance: collectively evaluated for impairment		$	8,037			$	3,709			$	4,673			$	1,380			$	-			$	29			$	291			$	11			$	3,987			$	22,117
Financing Receivables:
Ending Balance		$	2,017,891			$	726,136			$	567,060			$	189,573			$	7,681			$	3,673			$	12,181			$	21,211			$	472,485			$	4,017,891
Ending balance: individually evaluated for impairment		$	11,562			$	5,702			$	13,221			$	13,662			$	613			$	-			$	348			$	-			$	5,533			$	50,641
Ending balance: collectively evaluated for impairment		$	2,006,329			$	720,434			$	553,839			$	175,911			$	7,068			$	3,673			$	11,833			$	21,211			$	466,952			$	3,967,250

(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		$	11,103			$	5,379			$	7,142			$	1,944			$	-			$	40			$	391			$	14			$	4,257			$	30,270
Charge-offs			(69	)			(39	)			(175	)			(37	)			-				-				(49	)			-				(1	)			(370	)
Recoveries			134				-				95				97				-				-				51				-				50				427
Provision (Benefit)			(418	)			(13	)			(69	)			(214	)			-				(6	)			(20	)			-				(352	)			(1,092	)
Ending balance		$	10,750			$	5,327			$	6,993			$	1,790			$	-			$	34			$	373			$	14			$	3,954			$	29,235
Ending balance: individually evaluated for impairment		$	299			$	197			$	601			$	56			$	-			$	-			$	-			$	-			$	150			$	1,303
Ending balance: collectively evaluated for impairment		$	10,451			$	5,130			$	6,392			$	1,734			$	-			$	34			$	373			$	14			$	3,804			$	27,932
Financing Receivables:
Ending Balance		$	1,784,111			$	510,224			$	581,207			$	192,895			$	9,885			$	4,717			$	7,543			$	25,291			$	405,853			$	3,521,726
Ending balance: individually evaluated for impairment		$	20,613			$	16,728			$	16,704			$	13,505			$	-			$	570			$	-			$	-			$	7,899			$	76,019
Ending balance: collectively evaluated for impairment		$	1,763,498			$	493,496			$	564,503			$	179,390			$	9,885			$	4,147			$	7,543			$	25,291			$	397,954			$	3,445,707

(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			(400	)			(32	)			(472	)			(244	)			-				-				-				-				(52	)			(1,200	)
Recoveries			214				68				47				74				-				-				27				-				8				438
Provision (Benefit)			(341	)			(512	)			(235	)			(87	)			-				(13	)			(15	)			-				(47	)			(1,250	)
Ending balance		$	8,300			$	3,726			$	5,180			$	1,433			$	-			$	29			$	291			$	11			$	4,114			$	23,084
Ending balance: individually evaluated for impairment		$	263			$	17			$	507			$	53			$	-			$	-			$	-			$	-			$	127			$	967
Ending balance: collectively evaluated for impairment		$	8,037			$	3,709			$	4,673			$	1,380			$	-			$	29			$	291			$	11			$	3,987			$	22,117
Financing Receivables:
Ending Balance		$	2,017,891			$	726,136			$	567,060			$	189,573			$	7,681			$	3,673			$	12,181			$	21,211			$	472,485			$	4,017,891
Ending balance: individually evaluated for impairment		$	11,562			$	5,702			$	13,221			$	13,662			$	613			$	-			$	348			$	-			$	5,533			$	50,641
Ending balance: collectively evaluated for impairment		$	2,006,329			$	720,434			$	553,839			$	175,911			$	7,068			$	3,673			$	11,833			$	21,211			$	466,952			$	3,967,250

(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			(674	)			(86	)			(258	)			(79	)			-				-				(49	)			-				(125	)			(1,271	)
Recoveries			141				382				135				165				7				-				61				-				50				941
Provision (Benefit)			(801	)			72				788				(375	)			(111	)			(410	)			(97	)			14				(1,291	)			(2,211	)
Ending balance		$	10,750			$	5,327			$	6,993			$	1,790			$	-			$	34			$	373			$	14			$	3,954			$	29,235
Ending balance: individually evaluated for impairment		$	299			$	197			$	601			$	56			$	-			$	-			$	-			$	-			$	150			$	1,303
Ending balance: collectively evaluated for impairment		$	10,451			$	5,130			$	6,392			$	1,734			$	-			$	34			$	373			$	14			$	3,804			$	27,932
Financing Receivables:
Ending Balance		$	1,784,111			$	510,224			$	581,207			$	192,895			$	9,885			$	4,717			$	7,543			$	25,291			$	405,853			$	3,521,726
Ending balance: individually evaluated for impairment		$	20,613			$	16,728			$	16,704			$	13,505			$	-			$	570			$	-			$	-			$	7,899			$	76,019
Ending balance: collectively evaluated for impairment		$	1,763,498			$	493,496			$	564,503			$	179,390			$	9,885			$	4,147			$	7,543			$	25,291			$	397,954			$	3,445,707

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		$	9,232			$	10,050			$	-			$	10,347			$	77
Commercial real estate			5,163				5,220				-				6,099				71
One-to-four family mixed-use property			10,160				11,741				-				11,219				103
One-to-four family residential			13,313				16,190				-				13,244				42
Co-operative apartments			613				613				-				204				10
Construction			-				-				-				-				-
Non-mortgage loans:
Small Business Administration			309				309				-				209				6
Taxi Medallion			-				-				-				-				-
Commercial Business and other			2,971				3,341				-				3,997				100
Total loans with no related allowance recorded			41,761				47,464				-				45,319				409
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,330				2,330				263				2,508				61
Commercial real estate			539				539				17				1,151				15
One-to-four family mixed-use property			3,061				3,061				507				3,077				84
One-to-four family residential			349				349				53				351				7
Co-operative apartments			-				-				-				-				-
Construction			-				-				-				-				-
Non-mortgage loans:
Small Business Administration			39				39				-				27				1
Taxi Medallion			-				-				-				-				-
Commercial Business and other			2,562				2,562				127				2,627				69
Total loans with an allowance recorded			8,880				8,880				967				9,741				237
Total Impaired Loans:
Total mortgage loans		$	44,760			$	50,093			$	840			$	48,200			$	470
Total non-mortgage loans		$	5,881			$	6,251			$	127			$	6,860			$	176

		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		$	3,859			$	8,904			$	-			$	-			$	12,763
Commercial real estate			2,697				3,347				-				-				6,044
One-to-four family - mixed-use property			4,944				10,863				-				-				15,807
One-to-four family - residential			997				13,313				-				-				14,310
Co-operative apartments			-				613				-				-				613
Construction loans			-				-				-				-				-
Small Business Administration			241				243				-				-				484
Commercial business and other			1,690				3,879				-				-				5,569
Total loans		$	14,428			$	41,162			$	-			$	-			$	55,590

(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

Performing Financial Instruments [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		June 30, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			9			$	2,657				10			$	3,034
Commercial real estate			3				2,356				3				2,373
One-to-four family - mixed-use property			7				2,358				7				2,381
One-to-four family - residential			1				349				1				354
Small business administration			1				39				-				-
Commercial business and other			4				2,167				4				2,249
Total performing troubled debt restructured			25			$	9,926				25			$	10,391

Nonperforming Financial Instruments [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		June 30, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			1			$	378				-			$	-
Commercial real estate			-				-				1				2,252
One-to-four family - mixed use property			1				187				1				187
Total troubled debt restructurings that subsequently defaulted			2			$	565				2			$	2,439

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Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 7



-URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524

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X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 33



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef



-Publisher FASB



-Name Accounting Standards Codification



-Topic 310



-SubTopic 10



-Section 50



-Paragraph 34



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

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