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Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2015

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		For the nine months ended September 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)		September 30, 2015				December 31, 2014
Loans ninety days or more past due and still accruing:
Multi-family residential		$	516			$	676
Commercial real estate			253				820
One-to-four family - mixed-use property			1,293				405
One-to-four family - residential			13				14
Commercial Business and other			222				386
Total			2,297				2,301
Non-accrual mortgage loans:
Multi-family residential			4,686				6,878
Commercial real estate			2,407				5,689
One-to-four family - mixed-use property			5,446				6,936
One-to-four family - residential			10,441				11,244
Total			22,980				30,747
Non-accrual non-mortgage loans:
Small business administration			234				-
Commercial business and other			3,089				1,143
Total			3,323				1,143
Total non-accrual loans			26,303				31,890
Total non-accrual loans and loans ninety days or more past due and still accruing		$	28,600			$	34,191

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,
		2015				2014				2015				2014
		(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms		$	627			$	841			$	1,879			$	2,523
Less:  Interest income included in the results of operations			153				153				540				572
Total foregone interest		$	474			$	688			$	1,339			$	1,951

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		$	7,009			$	1,581			$	5,202			$	13,792			$	2,029,948			$	2,043,740
Commercial real estate			3,255				90				2,660				6,005				851,801				857,806
One-to-four family - mixed-use property			10,425				1,048				6,739				18,212				550,189				568,401
One-to-four family - residential			2,337				649				10,252				13,238				178,192				191,430
Co-operative apartments			-				-				-				-				9,122				9,122
Construction loans			-				-				-				-				5,671				5,671
Small Business Administration			46				-				234				280				10,260				10,540
Taxi medallion			-				-				-				-				21,025				21,025
Commercial business and other			11				2				627				640				478,445				479,085
Total		$	23,083			$	3,370			$	25,714			$	52,167			$	4,134,653			$	4,186,820

(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		$	8,300			$	3,726			$	5,180			$	1,433			$	-			$	29			$	291			$	11			$	4,114			$	23,084
Charge-offs			(58	)			-				(99	)			-				-				-				(9	)			-				(10	)			(176	)
Recoveries			4				100				26				300				-				-				5				-				-				435
Provision (Benefit)			(596	)			331				(233	)			(371	)			-				16				(42	)			231				294				(370	)
Ending balance		$	7,650			$	4,157			$	4,874			$	1,362			$	-			$	45			$	245			$	242			$	4,398			$	22,973
Ending balance: individually evaluated for impairment		$	257			$	15			$	513			$	52			$	-			$	-			$	-			$	233			$	618			$	1,688
Ending balance: collectively evaluated for impairment		$	7,393			$	4,142			$	4,361			$	1,310			$	-			$	45			$	245			$	9			$	3,780			$	21,285

(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-offs			(412	)			(221	)			(47	)			(18	)			-				-				-				-				(5	)			(703	)
Recoveries			3				99				196				104				-				-				15				-				13				430
Provision (Benefit)			(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

(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			(458	)			(32	)			(571	)			(244	)			-				-				(9	)			-				(62	)			(1,376	)
Recoveries			218				168				73				374				-				-				32				-				8				873
Provision (Benefit)			(937	)			(181	)			(468	)			(458	)			-				3				(57	)			231				247				(1,620	)
Ending balance		$	7,650			$	4,157			$	4,874			$	1,362			$	-			$	45			$	245			$	242			$	4,398			$	22,973
Ending balance: individually evaluated for impairment		$	257			$	15			$	513			$	52			$	-			$	-			$	-			$	233			$	618			$	1,688
Ending balance: collectively evaluated for impairment		$	7,393			$	4,142			$	4,361			$	1,310			$	-			$	45			$	245			$	9			$	3,780			$	21,285

(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			(1,086	)			(307	)			(305	)			(97	)			-				-				(49	)			-				(130	)			(1,974	)
Recoveries			144				481				331				269				7				-				76				-				63				1,371
Provision (Benefit)			(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

		At September 30, 2015
(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
Financing Receivables:
Ending Balance		$	2,043,740			$	857,806			$	568,401			$	191,430			$	9,122			$	5,671			$	10,540			$	21,025			$	479,085			$	4,186,820
Ending balance: individually evaluated for impairment		$	9,158			$	5,233			$	12,513			$	13,113			$	-			$	-			$	329			$	2,129			$	7,319			$	49,794
Ending balance: collectively evaluated for impairment		$	2,034,582			$	852,573			$	555,888			$	178,317			$	9,122			$	5,671			$	10,211			$	18,896			$	471,766			$	4,137,026

		At December 31, 2014
(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
Financing Receivables:
Ending Balance		$	1,923,460			$	621,569			$	573,779			$	187,572			$	9,835			$	5,286			$	7,134			$	22,519			$	447,500			$	3,798,654
Ending balance: individually evaluated for impairment		$	13,260			$	9,473			$	15,120			$	13,170			$	-			$	-			$	-			$	-			$	5,492			$	56,515
Ending balance: collectively evaluated for impairment		$	1,910,200			$	612,096			$	558,659			$	174,402			$	9,835			$	5,286			$	7,134			$	22,519			$	442,008			$	3,742,139

Impaired Financing Receivables [Table Text Block]

		September 30, 2015												For the three months ended September 30, 2015								For the nine months ended September 30, 2015
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
		(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential		$	6,836			$	7,685			$	-			$	8,034			$	14			$	9,470			$	46
Commercial real estate			4,697				4,754				-				4,930				35				5,748				107
One-to-four family mixed-use property			9,467				10,669				-				9,814				39				10,781				133
One-to-four family residential			12,767				14,960				-				13,040				28				13,125				101
Co-operative apartments			-				-				-				307				-				153				-
Construction			-				-				-				-				-				-				-
Non-mortgage loans:
Small Business Administration			292				292				-				301				6				230				18
Taxi Medallion			-				-				-				-				-				-				-
Commercial Business and other			3,754				4,124				-				3,363				51				3,937				170
Total loans with no related allowance recorded			37,813				42,484				-				39,789				173				43,444				575
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,322				2,322				257				2,326				30				2,461				89
Commercial real estate			536				536				15				538				7				998				22
One-to-four family mixed-use property			3,046				3,046				513				3,054				42				3,069				126
One-to-four family residential			346				346				52				348				3				350				10
Co-operative apartments			-				-				-				-				-				-				-
Construction			-				-				-				-				-				-				-
Non-mortgage loans:
Small Business Administration			37				37				-				38				1				29				1
Taxi Medallion			2,129				2,129				233				1,065				16				532				49
Commercial Business and other			3,565				3,565				618				3,064				32				2,862				120
Total loans with an allowance recorded			11,981				11,981				1,688				10,433				131				10,301				417
Total Impaired Loans:
Total mortgage loans		$	40,017			$	44,318			$	837			$	42,391			$	198			$	46,155			$	634
Total non-mortgage loans		$	9,777			$	10,147			$	851			$	7,831			$	106			$	7,590			$	358

		December 31, 2014												For the three months ended September 30, 2014								For the nine months ended September 30, 2014
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
		(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential		$	10,481			$	11,551			$	-			$	14,052			$	44			$	15,397			$	150
Commercial real estate			7,100				7,221				-				10,840				65				12,739				231
One-to-four family mixed-use property			12,027				13,381				-				13,233				58				13,126				208
One-to-four family residential			12,816				15,709				-				12,832				16				13,081				75
Co-operative apartments			-				-				-				-				-				-				-
Construction			-				-				-				285				-				380				-
Non-mortgage loans:
Small Business Administration			-				-				-				-				-				-				-
Taxi Medallion			-				-				-				-				-				-				-
Commercial Business and other			2,779				3,149				-				4,798				40				4,987				140
Total loans with no related allowance recorded			45,203				51,011				-				56,040				223				59,710				804
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,779				2,779				286				3,077				37				2,988				112
Commercial real estate			2,373				2,373				21				3,787				42				3,532				125
One-to-four family mixed-use property			3,093				3,093				579				3,378				43				3,300				128
One-to-four family residential			354				354				54				358				4				359				11
Co-operative apartments			-				-				-				-				-				-				-
Construction			-				-				-				-				-				249				-
Non-mortgage loans:
Small Business Administration			-				-				-				-				-				-				-
Taxi Medallion			-				-				-				-				-				-				-
Commercial Business and other			2,713				2,713				154				2,545				37				3,294				113
Total loans with an allowance recorded			11,312				11,312				1,094				13,145				163				13,722				489
Total Impaired Loans:
Total mortgage loans		$	51,023			$	56,461			$	940			$	61,842			$	309			$	65,151			$	1,040
Total non-mortgage loans		$	5,492			$	5,862			$	154			$	7,343			$	77			$	8,281			$	253

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)		Special Mention				Substandard				Doubtful				Loss				Total
Multi-family residential		$	4,727			$	6,511			$	-			$	-			$	11,238
Commercial real estate			1,931				2,884				-				-				4,815
One-to-four family - mixed-use property			4,245				10,167				-				-				14,412
One-to-four family - residential			1,431				12,766				-				-				14,197
Co-operative apartments			-				-				-				-				-
Construction loans			1,000				-				-				-				1,000
Small Business Administration			235				234				-				-				469
Taxi Medallion			-				2,129				-				-				2,129
Commercial business and other			1,215				5,695				-				-				6,910
Total loans		$	14,784			$	40,386			$	-			$	-			$	55,170

(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]

		September 30, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			9			$	2,647				10			$	3,034
Commercial real estate			3				2,349				3				2,373
One-to-four family - mixed-use property			7				2,347				7				2,381
One-to-four family - residential			1				346				1				354
Small business administration			1				37				-				-
Commercial business and other			4				2,125				4				2,249
Total performing troubled debt restructured			25			$	9,851				25			$	10,391

Nonperforming Financial Instruments [Member]

Note 5 - Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		September 30, 2015								December 31, 2014
(Dollars in thousands)		Number of contracts				Recorded investment				Number of contracts				Recorded investment
Multi-family residential			1			$	382				-			$	-
Commercial real estate			-				-				1				2,252
One-to-four family - mixed use property			-				-				1				187
Total troubled debt restructurings that subsequently defaulted			1			$	382				2			$	2,439

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