growingbig, it's highly unlikely that you are eating more calories than you are burning given your very low body weight. More likely, even from this distance, is that you're causing the famine response, from UNDEREATING. Ever see a starving kid? Note the belly fat and distention? I don't know the methodology of your fat test, but, if they used a tape, or galvanometer, there can be a huge margin of error. For someone over 25 years of age, fat percentages below 25% or so are considered no-obese. I've been in contest shape and had a galvanometer test show me at 35%. They're very unreliable, especially in folks who are "drier." Less than 21% is considered desirable for guys your age. Less than 18% for younger folks. 17% seems a bit high, if you look like the pictures posted.
Almost certainly, given your activity level, and low weight, the love handles are resultant of training your body how to become a fat-storing machine.
Remember, you can't lose fat if you're not eating. Your body will preserve that fat if you're mal-nourished for the impending famine.
That's why fat folks fail so often. They don't get the mechanisms at work.