Note 5 - Loans (Tables)

6 Months Ended

Jun. 30, 2019

Notes Tables

Financing Receivable, Nonaccrual [Table Text Block]

	June 30,		December 31,
(In thousands)	2019		2018
Non-accrual mortgage loans:
Multi-family residential	$	2,008	$	2,410
Commercial real estate		1,488		1,379
One-to-four family - mixed-use property		1,752		928
One-to-four family - residential		5,411		6,144
Total		10,659		10,861
Non-accrual non-mortgage loans:
Small Business Administration		1,224		1,267
Taxi medallion		1,361		613
Commercial business and other		2,458		3,512
Total		5,043		5,392
Total non-accrual loans		15,702		16,253
Total non-performing loans	$	15,702	$	16,253

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

	For the three months ended				For the six months ended
	June 30,				June 30,
	2019		2018		2019		2018
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	415	$	390	$	809	$	798
Less: Interest income included in the results of operations		123		156		241		315
Total foregone interest	$	292	$	234	$	568	$	483

Financing Receivable, Past Due [Table Text Block]

	June 30, 2019
					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	$	1,466	$	346	$	2,008	$	3,820	$	2,260,055	$	2,263,875
Commercial real estate		3,341		-		1,488		4,829		1,519,864		1,524,693
One-to-four family - mixed-use property		986		72		1,474		2,532		579,732		582,264
One-to-four family - residential		945		508		5,411		6,864		177,160		184,024
Co-operative apartments		-		-		-		-		8,137		8,137
Construction loans		-		-		-		-		58,503		58,503
Small Business Administration		-		-		1,224		1,224		13,287		14,511
Taxi medallion		-		-		766		766		2,789		3,555
Commercial business and other		3,252		-		2,458		5,710		977,863		983,573
Total	$	9,990	$	926	$	14,829	$	25,745	$	5,597,390	$	5,623,135

	December 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	$	1,887	$	339	$	2,410	$	4,636	$	2,264,412	$	2,269,048
Commercial real estate		379		-		1,379		1,758		1,540,789		1,542,547
One-to-four family - mixed-use property		1,003		322		928		2,253		575,488		577,741
One-to-four family - residential		1,564		-		6,144		7,708		182,642		190,350
Co-operative apartments		-		-		-		-		8,498		8,498
Construction loans		-		730		-		730		49,870		50,600
Small Business Administration		774		68		1,267		2,109		13,101		15,210
Taxi medallion		-		-		-		-		4,539		4,539
Commercial business and other		1,306		281		2,216		3,803		873,960		877,763
Total	$	6,913	$	1,740	$	14,344	$	22,997	$	5,513,299	$	5,536,296

Financing Receivable, Allowance for Credit Loss [Table Text Block]

June 30, 2019
(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	$	5,493		$	4,278		$	1,791		$	731		$	351	$	409		$	-		$	7,962		$	21,015
Charge-off's		(1	)		-			-			(113	)		-		-			-			(1,000	)		(1,114	)
Recoveries		11			7			2			3			-		16			50			46			135
Provision (Benefit)		3			(20	)		(7	)		125			30		(43	)		(50	)		1,436			1,474
Ending balance	$	5,506		$	4,265		$	1,786		$	746		$	381	$	382		$	-		$	8,444		$	21,510

June 30, 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			Unallocated		Total
Allowance for credit losses:
Beginning balance	$	5,750		$	4,602	$	2,470		$	1,041		$	191	$	675		$	-		$	5,813		$	-	$	20,542
Charge-off's		(28	)		-		-			-			-		(27	)		(353	)		(8	)		-		(416	)
Recoveries		-			-		79			4			-		9			-			2			-		94
Provision (Benefit)		(184	)		124		(252	)		(42	)		73		(108	)		353			25			11		-
Ending balance	$	5,538		$	4,726	$	2,297		$	1,003		$	264	$	549		$	-		$	5,832		$	11	$	20,220

June 30, 2019
(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	$	5,676		$	4,315		$	1,867		$	749		$	329	$	418		$	-		$	7,591		$	20,945
Charge-off's		(1	)		-			(1	)		(113	)		-		-			-			(2,137	)		(2,252	)
Recoveries		24			7			88			7			-		20			134			91			371
Provision (Benefit)		(193	)		(57	)		(168	)		103			52		(56	)		(134	)		2,899			2,446
Ending balance	$	5,506		$	4,265		$	1,786		$	746		$	381	$	382		$	-		$	8,444		$	21,510

June 30, 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			Unallocated		Total
Allowance for credit losses:
Beginning balance	$	5,823		$	4,643	$	2,545		$	1,082		$	68	$	669		$	-		$	5,521		$	-	$	20,351
Charge-off's		(81	)		-		-			(1	)		-		(52	)		(353	)		(14	)		-		(501	)
Recoveries		2			-		79			112			-		15			-			9			-		217
Provision (Benefit)		(206	)		83		(327	)		(190	)		196		(83	)		353			316			11		153
Ending balance	$	5,538		$	4,726	$	2,297		$	1,003		$	264	$	549		$	-		$	5,832		$	11	$	20,220

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

June 30, 2019
(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	$	2,263,875	$	1,524,693	$	582,264	$	184,024	$	8,137	$	58,503	$	14,511	$	3,555	$	983,573	$	5,623,135
Ending balance: individually evaluated for impairment	$	4,119	$	1,555	$	3,430	$	6,150	$	-	$	-	$	1,224	$	3,555	$	2,458	$	22,491
Ending balance: collectively evaluated for impairment	$	2,259,756	$	1,523,138	$	578,834	$	177,874	$	8,137	$	58,503	$	13,287	$	-	$	981,115	$	5,600,644
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$	96	$	-	$	49	$	49	$	-	$	-	$	-	$	-	$	178	$	372
Ending balance: collectively evaluated for impairment	$	5,410	$	4,265	$	1,737	$	697	$	-	$	381	$	382	$	-	$	8,266	$	21,138

December 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	$	2,269,048	$	1,542,547	$	577,741	$	190,350	$	8,498	$	50,600	$	15,210	$	4,539	$	877,763	$	5,536,296
Ending balance: individually evaluated for impairment	$	4,500	$	1,435	$	3,098	$	6,889	$	-	$	-	$	1,267	$	4,539	$	3,791	$	25,519
Ending balance: collectively evaluated for impairment	$	2,264,548	$	1,541,112	$	574,643	$	183,461	$	8,498	$	50,600	$	13,943	$	-	$	873,972	$	5,510,777
Allowance for credit losses:
Ending balance: individually evaluated for impairment	$	100	$	-	$	143	$	51	$	-	$	-	$	-	$	-	$	866	$	1,160
Ending balance: collectively evaluated for impairment	$	5,576	$	4,315	$	1,724	$	698	$	-	$	329	$	418	$	-	$	6,725	$	19,785

Impaired Financing Receivables [Table Text Block]

	June 30, 2019						December 31, 2018
			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	$	2,856	$	3,199	$	-	$	3,225	$	3,568	$	-
Commercial real estate		1,555		1,555		-		1,435		1,435		-
One-to-four family mixed-use property		2,433		2,574		-		1,913		2,113		-
One-to-four family residential		5,759		5,926		-		6,490		6,643		-
Non-mortgage loans:
Small Business Administration		1,224		1,494		-		1,267		1,609		-
Taxi medallion		3,555		9,772		-		4,539		12,788		-
Commercial business and other		1,804		3,924		-		-		-		-
Total loans with no related allowance recorded		19,186		28,444		-		18,869		28,156		-
With an allowance recorded:
Mortgage loans:
Multi-family residential		1,263		1,263		96		1,275		1,275		100
One-to-four family mixed-use property		997		997		49		1,185		1,185		143
One-to-four family residential		391		391		49		399		399		51
Non-mortgage loans:
Commercial business and other		654		654		178		3,791		3,791		866
Total loans with an allowance recorded		3,305		3,305		372		6,650		6,650		1,160
Total Impaired Loans:
Total mortgage loans	$	15,254	$	15,905	$	194	$	15,922	$	16,618	$	294
Total non-mortgage loans	$	7,237	$	15,844	$	178	$	9,597	$	18,188	$	866

	June 30, 2019				June 30, 2018
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
	(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential	$	2,846	$	9	$	4,431	$	16
Commercial real estate		1,326		15		5,847		52
One-to-four family mixed-use property		2,208		17		4,397		39
One-to-four family residential		5,914		2		8,382		10
Construction		475		-		365		10
Non-mortgage loans:
Small Business Administration		1,226		-		74		1
Taxi medallion		3,723		48		6,421		86
Commercial business and other		1,513		-		7,954		308
Total loans with no related allowance recorded		19,231		91		37,871		522
With an allowance recorded:
Mortgage loans:
Multi-family residential		1,266		18		2,203		30
One-to-four family mixed-use property		1,001		10		1,212		15
One-to-four family residential		393		4		409		4
Non-mortgage loans:
Commercial business and other		773		-		318		4
Total loans with an allowance recorded		3,433		32		4,142		53
Total Impaired Loans:
Total mortgage loans	$	15,429	$	75	$	27,246	$	176
Total non-mortgage loans	$	7,235	$	48	$	14,767	$	399

	June 30, 2019				June 30, 2018
	Average		Interest		`		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
	(In thousands)
With no related allowance recorded:
Mortgage loans:
Multi-family residential	$	2,972	$	18	$	4,651	$	36
Commercial real estate		1,362		15		6,266		126
One-to-four family mixed-use property		2,110		34		4,337		80
One-to-four family residential		6,106		4		8,678		25
Construction		317		-		243		10
Non-mortgage loans:
Small Business Administration		1,239		-		95		2
Taxi medallion		3,995		106		6,559		168
Commercial business and other		1,009		-		5,407		310
Total loans with no related allowance recorded		19,110		177		36,236		757
With an allowance recorded:
Mortgage loans:
Multi-family residential		1,269		36		2,208		59
Commercial real estate		-		-		662		-
One-to-four family mixed-use property		1,062		20		1,217		24
One-to-four family residential		395		8		411		8
Non-mortgage loans:
Commercial business and other		1,779		-		328		9
Total loans with an allowance recorded		4,505		64		4,826		100
Total Impaired Loans:
Total mortgage loans	$	15,593	$	135	$	28,673	$	368
Total non-mortgage loans	$	8,022	$	106	$	12,389	$	489

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2019
(In thousands)	Special Mention		Substandard		Doubtful		Loss		Total
Multi-family residential	$	1,290	$	2,225	$	-	$	-	$	3,515
Commercial real estate		371		1,555		-		-		1,926
One-to-four family - mixed-use property		912		2,122		-		-		3,034
One-to-four family - residential		726		5,921		-		-		6,647
Construction		-		-		-		-		-
Small Business Administration		56		114		-		-		170
Taxi medallion		-		3,555		-		-		3,555
Commercial business and other		6,856		15,262		879		-		22,997
Total loans	$	10,211	$	30,754	$	879	$	-	$	41,844

	December 31, 2018
(In thousands)	Special Mention		Substandard		Doubtful		Loss		Total
Multi-family residential	$	2,498	$	4,166	$	-	$	-	$	6,664
Commercial real estate		381		4,051		-		-		4,432
One-to-four family - mixed-use property		1,199		2,034		-		-		3,233
One-to-four family - residential		557		6,665		-		-		7,222
Construction		730		-		-		-		730
Small Business Administration		481		139		-		-		620
Taxi medallion		-		4,539		-		-		4,539
Commercial business and other		730		21,348		3,512		-		25,590
Total loans	$	6,576	$	42,942	$	3,512	$	-	$	53,030

Nonperforming Financial Instruments [Member]

Notes Tables

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	June 30, 2019				December 31, 2018
	Number		Recorded		Number		Recorded
(Dollars in thousands)	of contracts		investment		of contracts		investment
Multi-family residential		1	$	391		1	$	388
Taxi medallion		3		766		-		-
Commercial business and other		2		408		1		1,397
Total troubled debt restructurings that subsequently defaulted		6	$	1,565		2	$	1,785

Performing According to Restructured Terms [Member]

Notes Tables

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	June 30, 2019				December 31, 2018
	Number		Recorded		Number		Recorded
(Dollars in thousands)	of contracts		investment		of contracts		investment
Multi-family residential		7	$	1,894		7	$	1,916
One-to-four family - mixed-use property		5		1,660		5		1,692
One-to-four family - residential		3		542		3		552
Taxi medallion (1)		8		2,193		15		3,926
Commercial business and other		-		-		1		279
Total performing troubled debt restructured		23	$	6,289		31	$	8,365