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Loans and Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2015
Loans and Allowance for Loan Losses [Abstract]  
Recorded investment in loans by loan class
The following tables present the recorded investment in loans by loan class:
 
  
December 31, 2015
 
(dollars in thousands)
 
New York and
other states*
  
Florida
  
Total
 
Commercial:
         
Commercial real estate
 
$
160,965
   
14,908
   
175,873
 
Other
  
27,449
   
93
   
27,542
 
Real estate mortgage - 1 to 4 family:
            
First mortgages
  
2,093,957
   
566,715
   
2,660,672
 
Home equity loans
  
52,251
   
8,250
   
60,501
 
Home equity lines of credit
  
308,165
   
51,160
   
359,325
 
Installment
  
8,000
   
1,391
   
9,391
 
Total loans, net
 
$
2,650,787
   
642,517
   
3,293,304
 
Less: Allowance for loan losses
          
44,762
 
Net loans
         
$
3,248,542
 
 
  
December 31, 2014
 
(dollars in thousands)
 
New York and
other states*
  
Florida
  
Total
 
Commercial:
         
Commercial real estate
 
$
174,788
   
19,336
   
194,124
 
Other
  
29,200
   
58
   
29,258
 
Real estate mortgage - 1 to 4 family:
            
First mortgages
  
2,041,140
   
476,427
   
2,517,567
 
Home equity loans
  
51,713
   
5,942
   
57,655
 
Home equity lines of credit
  
308,764
   
43,370
   
352,134
 
Installment
  
6,774
   
820
   
7,594
 
Total loans, net
 
$
2,612,379
   
545,953
   
3,158,332
 
Less: Allowance for loan losses
          
46,327
 
Net loans
         
$
3,112,005
 

*
Includes New York, New Jersey, Vermont, and Massachusetts.
Recorded investment in non-accrual loans by loan class
The following tables present the recorded investment in non-accrual loans by loan class:
 
  
December 31, 2015
 
(dollars in thousands)
 
New York and
other states
  
Florida
  
Total
 
Loans in non-accrual status:
         
Commercial:
         
Commercial real estate
 
$
3,024
   
-
   
3,024
 
Other
  
-
   
-
   
-
 
Real estate mortgage - 1 to 4 family:
            
First mortgages
  
19,488
   
1,488
   
20,976
 
Home equity loans
  
212
   
-
   
212
 
Home equity lines of credit
  
3,573
   
329
   
3,902
 
Installment
  
90
   
8
   
98
 
Total non-accrual loans
  
26,387
   
1,825
   
28,212
 
Restructured real estate mortgages - 1 to 4 family
  
48
   
-
   
48
 
Total nonperforming loans
 
$
26,435
   
1,825
   
28,260
 
 
  
December 31, 2014
 
(dollars in thousands)
 
New York and
other states
  
Florida
  
Total
 
Loans in non-accrual status:
         
Commercial:
         
Commercial real estate
 
$
3,835
   
-
   
3,835
 
Other
  
-
   
-
   
-
 
Real estate mortgage - 1 to 4 family:
            
First mortgages
  
23,643
   
2,488
   
26,131
 
Home equity loans
  
349
   
-
   
349
 
Home equity lines of credit
  
3,229
   
252
   
3,481
 
Installment
  
77
   
13
   
90
 
Total non-accrual loans
  
31,133
   
2,753
   
33,886
 
Restructured real estate mortgages - 1 to 4 family
  
125
   
-
   
125
 
Total nonperforming loans
 
$
31,258
   
2,753
   
34,011
 
Aging of the recorded investment in past due loans by loan class and by region
The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2015 and 2014:
 
New York and other states:

  
December 31, 2015
 
(dollars in thousands)
 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
Commercial real estate
 
$
-
  
-
  
2,340
  
2,340
  
158,625
  
160,965
 
Other
  
-
  
-
  
-
  
-
  
27,449
  
27,449
 
Real estate mortgage - 1 to 4 family:
                   
First mortgages
  
4,321
  
2,037
  
12,529
  
18,887
  
2,075,070
  
2,093,957
 
Home equity loans
  
43
  
-
  
149
  
192
  
52,059
  
52,251
 
Home equity lines of credit
  
572
  
204
  
1,418
  
2,194
  
305,971
  
308,165
 
Installment
  
34
  
19
  
88
  
141
  
7,859
  
8,000
 
                    
Total
 
$
4,970
  
2,260
  
16,524
  
23,754
  
2,627,033
  
2,650,787
 
 
Florida:
 
(dollars in thousands) 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
Commercial real estate
 
$
10
  
-
  
-
  
10
  
14,898
  
14,908
 
Other
  
-
  
-
  
-
  
-
  
93
  
93
 
Real estate mortgage - 1 to 4 family:
                   
First mortgages
  
665
  
271
  
851
  
1,787
  
564,928
  
566,715
 
Home equity loans
  
-
  
-
  
-
  
-
  
8,250
  
8,250
 
Home equity lines of credit
  
159
  
-
  
240
  
399
  
50,761
  
51,160
 
Installment
  
1
  
21
  
-
  
22
  
1,369
  
1,391
 
                    
Total
 
$
835
  
292
  
1,091
  
2,218
  
640,299
  
642,517
 
 
Total:
 
(dollars in thousands) 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
Commercial real estate
 
$
10
  
-
  
2,340
  
2,350
  
173,523
  
175,873
 
Other
  
-
  
-
  
-
  
-
  
27,542
  
27,542
 
Real estate mortgage - 1 to 4 family:
                   
First mortgages
  
4,986
  
2,308
  
13,380
  
20,674
  
2,639,998
  
2,660,672
 
Home equity loans
  
43
  
-
  
149
  
192
  
60,309
  
60,501
 
Home equity lines of credit
  
731
  
204
  
1,658
  
2,593
  
356,732
  
359,325
 
Installment
  
35
  
40
  
88
  
163
  
9,228
  
9,391
 
                    
Total
 
$
5,805
  
2,552
  
17,615
  
25,972
  
3,267,332
  
3,293,304
 
 
New York and other states:
 
  
December 31, 2014
 
(dollars in thousands)
 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
   Commercial real estate
 
$
618
  
52
  
2,627
  
3,297
  
171,491
  
174,788
 
   Other
  
-
  
-
  
-
  
-
  
29,200
  
29,200
 
Real estate mortgage - 1 to 4 family:
                   
   First mortgages
  
3,340
  
3,874
  
16,782
  
23,996
  
2,017,144
  
2,041,140
 
   Home equity loans
  
141
  
59
  
337
  
537
  
51,176
  
51,713
 
   Home equity lines of credit
  
568
  
342
  
1,198
  
2,108
  
306,656
  
308,764
 
Installment
  
79
  
10
  
58
  
147
  
6,627
  
6,774
 
                    
Total
 
$
4,746
  
4,337
  
21,002
  
30,085
  
2,582,294
  
2,612,379
 
 
Florida:

(dollars in thousands)
 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
   Commercial real estate
 
$
-
  
-
  
-
  
-
  
19,336
  
19,336
 
   Other
  
-
  
-
  
-
  
-
  
58
  
58
 
Real estate mortgage - 1 to 4 family:
                   
   First mortgages
  
801
  
283
  
1,225
  
2,309
  
474,118
  
476,427
 
   Home equity loans
  
-
  
-
  
-
  
-
  
5,942
  
5,942
 
   Home equity lines of credit
  
173
  
-
  
116
  
289
  
43,081
  
43,370
 
Installment
  
17
  
-
  
-
  
17
  
803
  
820
 
                    
Total
 
$
991
  
283
  
1,341
  
2,615
  
543,338
  
545,953
 
 
Total:
 
(dollars in thousands)
 
30-59
Days
Past Due
  
60-89
Days
Past Due
  
90+
Days
Past Due
  
Total
30+ days
Past Due
  
Current
  
Total
Loans
 
                    
Commercial:
                   
   Commercial real estate
 
$
618
  
52
  
2,627
  
3,297
  
190,827
  
194,124
 
   Other
  
-
  
-
  
-
  
-
  
29,258
  
29,258
 
Real estate mortgage - 1 to 4 family:
                   
   First mortgages
  
4,141
  
4,157
  
18,007
  
26,305
  
2,491,262
  
2,517,567
 
   Home equity loans
  
141
  
59
  
337
  
537
  
57,118
  
57,655
 
   Home equity lines of credit
  
741
  
342
  
1,314
  
2,397
  
349,737
  
352,134
 
Installment
  
96
  
10
  
58
  
164
  
7,430
  
7,594
 
                    
Total
 
$
5,737
  
4,620
  
22,343
  
32,700
  
3,125,632
  
3,158,332
 
Activity in the allowance for loan losses by portfolio segment
Activity in the allowance for loan losses by portfolio segment is summarized as follows:
 
(dollars in thousands)
 
For the year ended December 31, 2015
 
  
Commercial
  
Real Estate
Mortgage-
1 to 4 Family
  
Installment
  
Total
 
Balance at beginning of period
 
$
4,071
   
42,088
   
168
   
46,327
 
Loans charged off:
                
New York and other states*
  
779
   
4,631
   
168
   
5,578
 
Florida
  
-
   
320
   
17
   
337
 
Total loan chargeoffs
  
779
   
4,951
   
185
   
5,915
 
                 
Recoveries of loans previously charged off:
                
New York and other states*
  
20
   
572
   
46
   
638
 
Florida
  
7
   
5
   
-
   
12
 
Total recoveries
  
27
   
577
   
46
   
650
 
Net loans charged off
  
752
   
4,374
   
139
   
5,265
 
Provision for loan losses
  
1,172
   
2,039
   
489
   
3,700
 
Balance at end of period
 
$
4,491
   
39,753
   
518
   
44,762
 

(dollars in thousands)
 
For the year ended December 31, 2014
 
  
Commercial
  
Real Estate
Mortgage-
1 to 4 Family
  
Installment
  
Total
 
Balance at beginning of period
 
$
4,019
   
43,597
   
98
   
47,714
 
Loans charged off:
                
New York and other states*
  
397
   
5,485
   
201
   
6,083
 
Florida
  
613
   
835
   
13
   
1,461
 
Total loan chargeoffs
  
1,010
   
6,320
   
214
   
7,544
 
                 
Recoveries of loans previously charged off:
                
New York and other states*
  
34
   
442
   
28
   
504
 
Florida
  
480
   
69
   
4
   
553
 
Total recoveries
  
514
   
511
   
32
   
1,057
 
Net loans charged off
  
496
   
5,809
   
182
   
6,487
 
Provision for loan losses
  
548
   
4,300
   
252
   
5,100
 
Balance at end of period
 
$
4,071
   
42,088
   
168
   
46,327
 

(dollars in thousands)
 
For the year ended December 31, 2013
 
  
Commercial
  
Real Estate
Mortgage-
1 to 4 Family
  
Installment
  
Total
 
Balance at beginning of period
 
$
3,771
   
44,069
   
87
   
47,927
 
Loans charged off:
                
New York and other states*
  
1,072
   
6,572
   
68
   
7,712
 
Florida
  
100
   
1,020
   
6
   
1,126
 
Total loan chargeoffs
  
1,172
   
7,592
   
74
   
8,838
 
                 
Recoveries of loans previously charged off:
                
New York and other states*
  
14
   
715
   
17
   
746
 
Florida
  
505
   
374
   
-
   
879
 
Total recoveries
  
519
   
1,089
   
17
   
1,625
 
Net loans charged off
  
653
   
6,503
   
57
   
7,213
 
Provision for loan losses
  
901
   
6,031
   
68
   
7,000
 
Balance at end of period
 
$
4,019
   
43,597
   
98
   
47,714
 
Allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2015 and 2014:

  
December 31, 2015
 
(dollars in thousands)
    
1-to-4 Family
       
  
Commercial Loans
  
Residential Real Estate
  
Installment Loans
  
Total
 
Allowance for loan losses:
            
Ending allowance balance attributable to loans:
            
Individually evaluated for impairment
 
$
-
   
-
   
-
   
-
 
Collectively evaluated for impairment
  
4,491
   
39,753
   
518
   
44,762
 
                 
Total ending allowance balance
 
$
4,491
   
39,753
   
518
   
44,762
 
                 
Loans:
                
Individually evaluated for impairment
 
$
3,306
   
22,575
   
-
   
25,881
 
Collectively evaluated for impairment
  
200,109
   
3,057,923
   
9,391
   
3,267,423
 
                 
Total ending loans balance
 
$
203,415
   
3,080,498
   
9,391
   
3,293,304
 
 
  
December 31, 2014
 
(dollars in thousands)
     
1-to-4 Family
         
  
Commercial Loans
  
Residential Real Estate
  
Installment Loans
  
Total
 
Allowance for loan losses:
                
Ending allowance balance attributable to loans:
                
Individually evaluated for impairment
 
$
-
   
-
   
-
   
-
 
Collectively evaluated for impairment
  
4,071
   
42,088
   
168
   
46,327
 
                 
Total ending allowance balance
 
$
4,071
   
42,088
   
168
   
46,327
 
                 
Loans:
                
Individually evaluated for impairment
 
$
4,129
   
22,406
   
-
   
26,535
 
Collectively evaluated for impairment
  
219,253
   
2,904,950
   
7,594
   
3,131,797
 
                 
Total ending loans balance
 
$
223,382
   
2,927,356
   
7,594
   
3,158,332
 
Impaired loans by loan class
The following tables present impaired loans by loan class as of December 31, 2015 and 2014:
 
New York and other states:

  
December 31, 2015
 
(dollars in thousands)
   
Unpaid
   
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
          
Commercial:
         
Commercial real estate
 
$
3,306
  
3,996
  
-
  
3,608
 
Other
  
-
  
-
  
-
  
-
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
17,460
  
18,602
  
-
  
18,127
 
Home equity loans
  
359
  
417
  
-
  
382
 
Home equity lines of credit
  
2,306
  
2,569
  
-
  
2,238
 
              
Total
 
$
23,431
  
25,584
  
-
  
24,355
 
 
Florida:
 
(dollars in thousands)
    
Unpaid
    
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
              
Commercial:
             
Commercial real estate
 
$
-
  
-
  
-
  
-
 
Other
  
-
  
-
  
-
  
-
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
1,760
  
1,852
  
-
  
1,489
 
Home equity loans
  
53
  
53
  
-
  
54
 
Home equity lines of credit
  
637
  
720
  
-
  
654
 
              
Total
 
$
2,450
  
2,625
  
-
  
2,197
 
 
Total:
 
(dollars in thousands)
    
Unpaid
    
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
              
Commercial:
             
Commercial real estate
 
$
3,306
  
3,996
  
-
  
3,608
 
Other
  
-
  
-
  
-
  
-
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
19,220
  
20,454
  
-
  
19,616
 
Home equity loans
  
412
  
470
  
-
  
436
 
Home equity lines of credit
  
2,943
  
3,289
  
-
  
2,892
 
              
Total
 
$
25,881
  
28,209
  
-
  
26,552
 
 
New York and other states:
 
  
December 31, 2014
 
(dollars in thousands)
    
Unpaid
    
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
              
Commercial:
             
Commercial real estate
 
$
4,129
  
5,499
  
-
  
4,798
 
Other
  
-
  
-
  
-
  
61
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
17,579
  
18,689
  
-
  
17,261
 
Home equity loans
  
366
  
410
  
-
  
454
 
Home equity lines of credit
  
2,492
  
2,778
  
-
  
2,578
 
              
Total
 
$
24,566
  
27,376
  
-
  
25,152
 
 
Florida:
 
(dollars in thousands)
    
Unpaid
    
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
              
Commercial:
             
Commercial real estate
 
$
-
  
-
  
-
  
577
 
Other
  
-
  
-
  
-
  
-
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
1,289
  
1,380
  
-
  
1,422
 
Home equity loans
  
56
  
56
  
-
  
5
 
Home equity lines of credit
  
624
  
773
  
-
  
581
 
              
Total
 
$
1,969
  
2,209
  
-
  
2,585
 
 
Total:
 
(dollars in thousands)
    
Unpaid
    
YTD Avg
 
  
Recorded
Investment
 
Principal
Balance
 
Related
Allowance
 
Recorded
Investment
 
              
Commercial:
             
Commercial real estate
 
$
4,129
  
5,499
  
-
  
5,375
 
Other
  
-
  
-
  
-
  
61
 
Real estate mortgage - 1 to 4 family:
             
First mortgages
  
18,868
  
20,069
  
-
  
18,683
 
Home equity loans
  
422
  
466
  
-
  
459
 
Home equity lines of credit
  
3,116
  
3,551
  
-
  
3,159
 
              
Total
 
$
26,535
  
29,585
  
-
  
27,737
 
Modified loans by class that were determined to be TDR's
The following table presents modified loans by class that were determined to be TDRs that occurred during the years ended December 31, 2015, 2014 and 2013:

  
Year ended 12/31/2015
  
Year ended 12/31/2014
  
Year ended 12/31/2013
 
New York and other states*:                  
(dollars in thousands)
 
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Outstanding
Recorded
Investment
 
                            
Commercial:
                           
Commercial real estate
  
-
  
$
-
   
-
   
1
  
$
294
   
294
   
1
  
$
507
   
507
 
Real estate mortgage - 1 to 4 family:
                                    
First mortgages
  
35
   
4,797
   
4,797
   
41
   
5,585
   
5,585
   
50
   
5,852
   
5,852
 
Home equity loans
  
1
   
137
   
137
   
4
   
77
   
77
   
7
   
120
   
120
 
Home equity lines of credit
  
7
   
506
   
506
   
3
   
194
   
194
   
13
   
1,061
   
1,061
 
                                     
Total
  
43
  
$
5,440
   
5,440
   
49
  
$
6,150
   
6,150
   
71
  
$
7,540
   
7,540
 
 
 
Florida:                  
(dollars in thousands)
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Contracts
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
 
                                     
Real estate mortgage - 1 to 4 family:
                                    
First mortgages
  
6
   
780
   
780
   
7
   
676
   
676
   
8
   
1,149
   
1,149
 
Home equity loans
  
-
   
-
   
-
   
1
   
56
   
56
   
-
   
-
   
-
 
Home equity lines of credit
  
4
   
107
   
107
   
3
   
368
   
368
   
3
   
282
   
282
 
                                     
Total
  
10
  
$
887
   
887
   
11
  
$
1,100
   
1,100
   
11
  
$
1,431
   
1,431
 
Loans by class modified as TDR's for which there was a payment default
The following table presents loans by class modified as TDR’s that occurred during the years ended December 31, 2015, 2014 and 2013 for which there was a payment default within 12 months of modification:

  
Year ended 12/31/2015
  
Year ended 12/31/2014
  
Year ended 12/31/2013
 
New York and other states*:
 
Number of
  
Recorded
  
Number of
  
Recorded
  
Number of
  
Recorded
 
(dollars in thousands)
 
Contracts
  
Investment
  
Contracts
  
Investment
  
Contracts
  
Investment
 
                   
Real estate mortgage - 1 to 4 family:
                  
First mortgages
  
2
   
148
   
7
   
355
   
5
   
440
 
Home equity loans
  
-
   
-
   
-
   
-
   
1
   
44
 
Home equity lines of credit
  
2
   
24
   
1
   
35
   
1
   
56
 
                         
Total
  
4
  
$
172
   
8
  
$
390
   
7
  
$
540
 
 
Florida:
 
Number of
  
Recorded
  
Number of
  
Recorded
  
Number of
  
Recorded
 
(dollars in thousands)
 
Contracts
  
Investment
  
Contracts
  
Investment
  
Contracts
  
Investment
 
                         
Real estate mortgage - 1 to 4 family:
                        
First mortgages
  
-
  
$
-
   
1
  
$
60
   
-
  
$
-
 
Home equity lines of credit
  
-
   
-
   
1
   
279
   
-
   
-
 
                         
Total
  
-
  
$
-
   
2
  
$
339
   
-
  
$
-
 
Risk category of loans by class of loans
As of December 31, 2015 and 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

  
December 31, 2015
 
New York and other states:
         
          
(dollars in thousands)
         
  
Pass
  
Classified
  
Total
 
Commercial:
         
Commercial real estate
 
$
145,335
   
15,630
   
160,965
 
Other
  
26,715
   
734
   
27,449
 
             
  
$
172,050
   
16,364
   
188,414
 
 
Florida:
            
             
(dollars in thousands)
            
  
Pass
  
Classified
  
Total
 
Commercial:
            
   Commercial real estate
 
$
14,908
   
-
   
14,908
 
   Other
  
93
   
-
   
93
 
             
  
$
15,001
   
-
   
15,001
 
 
Total:            
             
(dollars in thousands)
            
  
Pass
  
Classified
  
Total
 
Commercial:
            
   Commercial real estate
 
$
160,243
   
15,630
   
175,873
 
   Other
  
26,808
   
734
   
27,542
 
             
  
$
187,051
   
16,364
   
203,415
 
 
  
December 31, 2014
 
New York and other states:
            
             
(dollars in thousands)
            
  
Pass
  
Classified
  
Total
 
Commercial:
            
   Commercial real estate
 
$
162,589
   
12,199
   
174,788
 
   Other
  
28,677
   
523
   
29,200
 
             
  
$
191,266
   
12,722
   
203,988
 
 
Florida:
            
             
(dollars in thousands)
            
  
Pass
  
Classified
  
Total
 
Commercial:
            
   Commercial real estate
 
$
19,336
   
-
   
19,336
 
   Other
  
58
   
-
   
58
 
             
  
$
19,394
   
-
   
19,394
 
 
Total:            
             
(dollars in thousands)
            
  
Pass
  
Classified
  
Total
 
Commercial:
            
   Commercial real estate
 
$
181,925
   
12,199
   
194,124
 
   Other
  
28,735
   
523
   
29,258
 
             
  
$
210,660
   
12,722
   
223,382