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Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2018

Notes Tables

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

		March 31,				December 31,
(In thousands)		2018				2017
Loans ninety days or more past due and still accruing:
Commercial real estate		$	1,668			$	2,424
Total			1,668				2,424
Non-accrual mortgage loans:
Multi-family residential			2,193				3,598
Commercial real estate			1,894				1,473
One-to-four family - mixed-use property			2,396				1,867
One-to-four family - residential			7,542				7,808
Total			14,025				14,746
Non-accrual non-mortgage loans:
Small Business Administration			41				46
Taxi medallion			906				918
Total			947				964
Total non-accrual loans			14,972				15,710
Total non-performing loans		$	16,640			$	18,134

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

		For the three months ended March 31,
		2018				2017
		(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms		$	406			$	414
Less:  Interest income included in the results of operations			158				127
Total foregone interest		$	248			$	287

Past Due Financing Receivables [Table Text Block]

		March 31, 2018
										Greater
		30 - 59 Days				60 - 89 Days				than				Total Past
(In thousands)		Past Due				Past Due				90 Days				Due				Current				Total Loans
Multi-family residential		$	2,748			$	-			$	2,193			$	4,941			$	2,281,862			$	2,286,803
Commercial real estate			-				-				3,563				3,563				1,423,284				1,426,847
One-to-four family - mixed-use property			2,659				-				2,396				5,055				561,875				566,930
One-to-four family - residential			1,449				151				7,542				9,142				180,973				190,115
Co-operative apartments			-				-				-				-				6,826				6,826
Construction loans			-				730				-				730				23,157				23,887
Small Business Administration			-				-				-				-				20,004				20,004
Taxi medallion			-				-				-				-				6,617				6,617
Commercial business and other			200				5				-				205				768,235				768,440
Total		$	7,056			$	886			$	15,694			$	23,636			$	5,272,833			$	5,296,469

		December 31, 2017
										Greater
		30 - 59 Days				60 - 89 Days				than				Total Past
(In thousands)		Past Due				Past Due				90 Days				Due				Current				Total Loans
Multi-family residential		$	2,533			$	279			$	3,598			$	6,410			$	2,267,185			$	2,273,595
Commercial real estate			1,680				2,197				3,897				7,774				1,360,338				1,368,112
One-to-four family - mixed-use property			1,570				860				1,867				4,297				559,909				564,206
One-to-four family - residential			1,921				680				7,623				10,224				170,439				180,663
Co-operative apartments			-				-				-				-				6,895				6,895
Construction loans			-				-				-				-				8,479				8,479
Small Business Administration			-				-				-				-				18,479				18,479
Taxi medallion			-				108				-				108				6,726				6,834
Commercial business and other			2				-				-				2				732,971				732,973
Total		$	7,706			$	4,124			$	16,985			$	28,815			$	5,131,421			$	5,160,236

Allowance for Credit Losses on Financing Receivables [Table Text Block]

March 31, 2018
(In thousands)		Multi-family residential				Commercial real estate				One-to-four family - mixed-use property				One-to-four family - residential				Construction loans				Small Business Administration				Taxi medallion				Commercial business and other				Total
Allowance for credit losses:
Beginning balance		$	5,823			$	4,643			$	2,545			$	1,082			$	68			$	669			$	-			$	5,521			$	20,351
Charge-off's			(53	)			-				-				(1	)			-				(25	)			-				(6	)			(85	)
Recoveries			2				-				-				108				-				6				-				7				123
Provision (benefit)			(22	)			(41	)			(75	)			(148	)			123				25				-				291				153
Ending balance		$	5,750			$	4,602			$	2,470			$	1,041			$	191			$	675			$	-			$	5,813			$	20,542

March 31, 2017
(In thousands)		Multi-family residential				Commercial real estate				One-to-four family - mixed-use property				One-to-four family - residential				Construction loans				Small Business Administration				Taxi medallion				Commercial business and other				Unallocated				Total
Allowance for credit losses:
Beginning balance		$	5,923			$	4,487			$	2,903			$	1,015			$	92			$	481			$	2,243			$	4,492			$	593			$	22,229
Charge-off's			(14	)			-				(34	)			-				-				(65	)			(54	)			(12	)			-				(179	)
Recoveries			30				68				-				-				-				41				-				22				-				161
Provision (benefit)			(32	)			(70	)			(178	)			(36	)			2				(140	)			24				208				222				-
Ending balance		$	5,907			$	4,485			$	2,691			$	979			$	94			$	317			$	2,213			$	4,710			$	815			$	22,211

Schedule of Loans and the Manner in which they are Evaluated for Impairment [Table Text Block]

March 31, 2018
(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		$	2,286,803			$	1,426,847			$	566,930			$	190,115			$	6,826			$	23,887			$	20,004			$	6,617			$	768,440			$	5,296,469
Ending balance: individually evaluated for impairment		$	6,785			$	6,727			$	5,592			$	8,848			$	-			$	-			$	99			$	6,617			$	407			$	35,075
Ending balance: collectively evaluated for impairment		$	2,280,018			$	1,420,120			$	561,338			$	181,267			$	6,826			$	23,887			$	19,905			$	-			$	768,033			$	5,261,394
Allowance for credit losses:
Ending balance: individually evaluated for impairment		$	158			$	-			$	167			$	55			$	-			$	-			$	-			$	-			$	5			$	385
Ending balance: collectively evaluated for impairment		$	5,592			$	4,602			$	2,303			$	986			$	-			$	191			$	675			$	-			$	5,808			$	20,157

December 31, 2017
(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		$	2,273,595			$	1,368,112			$	564,206			$	180,663			$	6,895			$	8,479			$	18,479			$	6,834			$	732,973			$	5,160,236
Ending balance: individually evaluated for impairment		$	7,311			$	9,089			$	5,445			$	9,686			$	-			$	-			$	137			$	6,834			$	661			$	39,163
Ending balance: collectively evaluated for impairment		$	2,266,284			$	1,359,023			$	558,761			$	170,977			$	6,895			$	8,479			$	18,342			$	-			$	732,312			$	5,121,073
Allowance for credit losses:
Ending balance: individually evaluated for impairment		$	205			$	177			$	198			$	56			$	-			$	-			$	-			$	-			$	6			$	642
Ending balance: collectively evaluated for impairment		$	5,618			$	4,466			$	2,347			$	1,026			$	-			$	68			$	669			$	-			$	5,515			$	19,709

Impaired Financing Receivables [Table Text Block]

		March 31, 2018												December 31, 2017
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
		Investment				Balance				Allowance				Investment				Balance				Allowance
		(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential		$	4,577			$	5,078			$	-			$	5,091			$	5,539			$	-
Commercial real estate			6,727				6,727				-				7,103				7,103				-
One-to-four family mixed-use property			4,375				4,711				-				4,218				4,556				-
One-to-four family residential			8,437				9,442				-				9,272				10,489				-
Non-mortgage loans:
Small Business Administration			99				135				-				137				151				-
Taxi medallion			6,617				17,561				-				6,834				18,063				-
Commercial business and other			79				449				-				313				682				-
Total loans with no related allowance recorded			30,911				44,103				-				32,968				46,583				-
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,208				2,208				158				2,220				2,220				205
Commercial real estate			-				-				-				1,986				1,986				177
One-to-four family mixed-use property			1,217				1,217				167				1,227				1,227				198
One-to-four family residential			411				411				55				414				414				56
Non-mortgage loans:
Commercial business and other			328				328				5				348				348				6
Total loans with an allowance recorded			4,164				4,164				385				6,195				6,195				642
Total Impaired Loans:
Total mortgage loans		$	27,952			$	29,794			$	380			$	31,531			$	33,534			$	636
Total non-mortgage loans		$	7,123			$	18,473			$	5			$	7,632			$	19,244			$	6

		March 31, 2018								March 31, 2017
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
		(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential		$	4,834			$	20			$	3,354			$	23
Commercial real estate			6,915				74				5,925				95
One-to-four family mixed-use property			4,297				41				6,048				37
One-to-four family residential			8,855				15				9,851				26
Construction			-				-				301				7
Non-mortgage loans:
Small Business Administration			118				1				293				2
Taxi medallion			6,726				82				3,646				30
Commercial business and other			196				2				2,159				44
Total loans with no related allowance recorded			31,941				235				31,577				264
With an allowance recorded:
Mortgage loans:
Multi-family residential			2,214				29				2,257				29
Commercial real estate			993				-				2,056				24
One-to-four family mixed-use property			1,222				9				2,013				18
One-to-four family residential			413				4				427				4
Non-mortgage loans:
Small Business Administration			-				-				761				-
Taxi medallion			-				-				13,911				43
Commercial business and other			338				5				411				6
Total loans with an allowance recorded			5,180				47				21,836				124
Total Impaired Loans:
Total mortgage loans		$	29,743			$	192			$	32,232			$	263
Total non-mortgage loans		$	7,378			$	90			$	21,181			$	125

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2018
(In thousands)		Special Mention				Substandard				Doubtful				Loss				Total
Multi-family residential		$	4,124			$	4,282			$	-			$	-			$	8,406
Commercial real estate			1,892				6,727				-				-				8,619
One-to-four family - mixed-use property			1,277				3,852				-				-				5,129
One-to-four family - residential			1,018				8,282				-				-				9,300
Construction loans			730				-				-				-				730
Small Business Administration			525				73				-				-				598
Taxi medallion			-				6,617				-				-				6,617
Commercial business and other			21,142				328				-				-				21,470
Total loans		$	30,708			$	30,161			$	-			$	-			$	60,869

		December 31, 2017
(In thousands)		Special Mention				Substandard				Doubtful				Loss				Total
Multi-family residential		$	6,389			$	4,793			$	-			$	-			$	11,182
Commercial real estate			2,020				8,871				-				-				10,891
One-to-four family - mixed-use property			2,835				3,691				-				-				6,526
One-to-four family - residential			2,076				9,115				-				-				11,191
Small Business Administration			548				108				-				-				656
Taxi medallion			-				6,834				-				-				6,834
Commercial business and other			14,859				545				-				-				15,404
Total loans		$	28,727			$	33,957			$	-			$	-			$	62,684

Nonperforming Financial Instruments [Member]

Notes Tables

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2018								December 31, 2017
		Number				Recorded				Number				Recorded
(Dollars in thousands)		of contracts				investment				of contracts				investment
Multi-family residential			1			$	383				1			$	383
Total troubled debt restructurings that subsequently defaulted			1			$	383				1			$	383

Performing According to Restructured Terms [Member]

Notes Tables

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2018								December 31, 2017
		Number				Recorded				Number				Recorded
(Dollars in thousands)		of contracts				investment				of contracts				investment
Multi-family residential			9			$	2,503				9			$	2,518
Commercial real estate			-				-				2				1,986
One-to-four family - mixed-use property			5				1,740				5				1,753
One-to-four family - residential			3				567				3				572
Taxi medallion			19				5,712				20				5,916
Commercial business and other			2				407				2				462
Total performing troubled debt restructured			38			$	10,929				41			$	13,207

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