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Loans (Tables)
6 Months Ended
Jun. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables [Table Text Block]
The following table presents loan balances outstanding as of June 30, 2013, December 31, 2012 and June 30, 2012 and an analysis of the recorded investment in loans that are past due at these dates.  Generally, Arrow considers a loan past due 30 or more days if the borrower is two or more payments past due.   Loans held-for-sale of $503, $2,801 and $1,699 as of June 30, 2013, December 31, 2012 and June 30, 2012, respectively, are included in the residential real estate loan balances.

Past Due Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
765

 
$

 
$
262

 
$
16

 
$
2,346

 
$
1,161

 
$
4,550

Loans Past Due 60-89 Days
655

 

 
997

 
15

 
527

 
1,196

 
3,390

Loans Past Due 90 or more Days
220

 

 
1,875

 
4

 
114

 
1,402

 
3,615

Total Loans Past Due
1,640

 

 
3,134

 
35

 
2,987

 
3,759

 
11,555

Current Loans
85,909

 
30,980

 
256,665

 
7,421

 
372,073

 
440,131

 
1,193,179

Total Loans
$
87,549

 
$
30,980

 
$
259,799

 
$
7,456

 
$
375,060

 
$
443,890

 
$
1,204,734

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$
154

 
$

 
$

 
$

 
$

 
$
606

 
$
760

Nonaccrual Loans
$
299

 
$

 
$
1,941

 
$
7

 
$
264

 
$
3,080

 
$
5,591

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
1,045

 
$

 
$
534

 
$
43

 
$
2,427

 
$
407

 
$
4,456

Loans Past Due 60-89 Days
1,588

 

 
1,332

 
17

 
793

 
2,466

 
6,196

Loans Past Due 90 or more Days
494

 

 
1,871

 

 
185

 
1,462

 
4,012

Total Loans Past Due
3,127

 

 
3,737

 
60

 
3,405

 
4,335

 
14,664

Current Loans
102,409

 
29,149

 
241,440

 
6,624

 
345,695

 
432,360

 
1,157,677

Total Loans
$
105,536

 
$
29,149

 
$
245,177

 
$
6,684

 
$
349,100

 
$
436,695

 
$
1,172,341

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$
126

 
$

 
$
378

 
$

 
$
42

 
$
374

 
$
920

Nonaccrual Loans
$
1,787

 
$

 
$
2,026

 
$
1

 
$
419

 
$
2,400

 
$
6,633

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
441

 
$

 
$
371

 
$
13

 
$
2,225

 
$
1,554

 
$
4,604

Loans Past Due 60-89 Days
1,779

 

 

 
5

 
483

 
639

 
2,906

Loans Past Due 90 or more Days

 

 
692

 

 
124

 
1,818

 
2,634

Total Loans Past Due
2,220

 

 
1,063

 
18

 
2,832

 
4,011

 
10,144

Current Loans
99,074

 
17,628

 
234,798

 
6,525

 
331,266

 
447,206

 
1,136,497

Total Loans
$
101,294

 
$
17,628

 
$
235,861

 
$
6,543

 
$
334,098

 
$
451,217

 
$
1,146,641

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$

 
$

 
$
27

 
$

 
$

 
$
477

 
$
504

Nonaccrual Loans
$
1,675

 
$

 
$
1,511

 
$
1

 
$
536

 
$
3,099

 
$
6,822

Allowance for Credit Losses on Financing Receivables [Table Text Block]
The following table presents a roll-forward of the allowance for loan losses and other information pertaining to the allowance for loan losses:
Allowance for Loan Losses
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Unallocated
 
Total
Roll-forward of the Allowance for Loan Losses for the Quarterly Periods:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2013
$
1,619

 
$
612

 
$
3,379

 
$
308

 
$
4,294

 
$
3,392

 
$
999

 
$
14,603

Charge-offs
(15
)
 

 

 
(5
)
 
(72
)
 

 

 
(92
)
Recoveries
36

 

 

 

 
31

 

 

 
67

Provision
(88
)
 
34

 
(86
)
 
(4
)
 
104

 
16

 
124

 
100

June 30, 2013
$
1,552

 
$
646

 
$
3,293

 
$
299

 
$
4,357

 
$
3,408

 
$
1,123

 
$
14,678

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2012
$
1,834

 
$
661

 
$
3,297

 
$
352

 
$
4,530

 
$
3,300

 
$
1,079

 
$
15,053

Charge-offs
(10
)
 

 

 
(23
)
 
(70
)
 
(33
)
 

 
(136
)
Recoveries
1

 

 

 
3


50

 

 

 
54

Provision
273

 
(133
)
 
(2
)
 
23

 
61

 
184

 
(166
)
 
240

June 30, 2012
$
2,098

 
$
528

 
$
3,295

 
$
355

 
$
4,571

 
$
3,451

 
$
913

 
$
15,211

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Roll-forward of the Allowance for Loan Losses for the Year-to-Date Periods:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
$
2,344

 
$
601

 
$
3,050

 
$
304

 
$
4,536

 
$
3,405

 
$
1,058

 
$
15,298

Charge-offs
(788
)
 

 
(11
)
 
(13
)
 
(170
)
 

 

 
(982
)
Recoveries
40

 

 

 

 
122

 

 

 
162

Provision
(44
)
 
45

 
254

 
8

 
(131
)
 
3

 
65

 
200

June 30, 2013
$
1,552

 
$
646

 
$
3,293

 
$
299

 
$
4,357

 
$
3,408

 
$
1,123

 
$
14,678

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
$
1,927

 
$
602

 
$
3,136

 
$
350

 
$
4,496

 
$
3,414

 
$
1,078

 
$
15,003

Charge-offs
(15
)
 

 
(167
)
 
(42
)
 
(176
)
 
(33
)
 

 
(433
)
Recoveries
3

 

 

 
9

 
109

 

 

 
121

Provision
183

 
(74
)
 
326

 
38

 
142

 
70

 
(165
)
 
520

June 30, 2012
$
2,098

 
$
528

 
$
3,295

 
$
355

 
$
4,571

 
$
3,451

 
$
913

 
$
15,211

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,552

 
$
646

 
$
3,293

 
$
299

 
$
4,357

 
$
3,408

 
$
1,123

 
$
14,678

Ending Loan Balance - Individually Evaluated for Impairment
$
33

 
$

 
$
1,481

 
$

 
$
184

 
$
1,078

 
$

 
$
2,776

Ending Loan Balance - Collectively Evaluated for Impairment
$
87,516

 
$
30,980

 
$
258,318

 
$
7,456

 
$
374,876

 
$
442,812

 
$

 
$
1,201,958

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for Loan Losses
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Unallocated
 
Total
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
853

 
$

 
$

 
$

 
$

 
$

 
$

 
$
853

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,491

 
$
601

 
$
3,050

 
$
304

 
$
4,536

 
$
3,405

 
$
1,058

 
$
14,445

Ending Loan Balance - Individually Evaluated for Impairment
$
1,432

 
$

 
$
2,528

 
$

 
$
203

 
$
1,090

 
$

 
$
5,253

Ending Loan Balance - Collectively Evaluated for Impairment
$
104,104

 
$
29,149

 
$
242,649

 
$
6,684

 
$
348,897

 
$
435,605

 
$

 
$
1,167,088

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
765

 
$

 
$

 
$

 
$

 
$

 
$

 
$
765

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,333

 
$
528

 
$
3,295

 
$
355

 
$
4,571

 
$
3,451

 
$
913

 
$
14,446

Ending Loan Balance - Individually Evaluated for Impairment
$
1,699

 
$

 
$
1,625

 
$

 
$
213

 
$
1,490

 
$

 
$
5,027

Ending Loan Balance - Collectively Evaluated for Impairment
$
99,595

 
$
17,628

 
$
234,236

 
$
6,543

 
$
333,885

 
$
449,727

 
$

 
$
1,141,614

    
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the credit quality indicators by loan category at June 30, 2013, December 31, 2012 and June 30, 2012:
Loan Credit Quality Indicators
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
$
81,067

 
$
29,816

 
$
238,702

 
 
 
 
 
 
 
$
349,585

Special Mention
262

 

 
1,349

 
 
 
 
 
 
 
1,611

Substandard
6,220

 
1,164

 
19,748

 
 
 
 
 
 
 
27,132

Doubtful

 

 

 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
$
7,449

 
$
374,796

 
$
440,203

 
822,448

Nonperforming
 
 
 
 
 
 
7

 
264

 
3,687

 
3,958

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
97,085

 
27,913

 
225,312

 
 
 
 
 
 
 
350,310

Special Mention
192

 

 
1,419

 
 
 
 
 
 
 
1,611

Substandard
6,872

 
1,236

 
18,446

 
 
 
 
 
 
 
26,554

Doubtful
1,387

 

 

 
 
 
 
 
 
 
1,387

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
6,683

 
348,676

 
433,922

 
789,281

Nonperforming
 
 
 
 
 
 
1

 
424

 
2,773

 
3,198

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
93,621

 
15,826

 
213,937

 
 
 
 
 
 
 
323,384

Special Mention
2,393

 

 
2,433

 
 
 
 
 
 
 
4,826

Substandard
5,280

 
1,802

 
19,491

 
 
 
 
 
 
 
26,573

Doubtful

 

 

 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
6,542

 
333,562

 
447,641

 
787,745

Nonperforming
 
 
 
 
 
 
1

 
536

 
3,576

 
4,113

Impaired Financing Receivables [Table Text Block]
The following table presents information on impaired loans based on whether the impaired loan has a recorded related allowance or has no recorded related allowance:
Impaired Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
June 30, 2013
 
 
 
 

 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
33

 
$

 
$
1,481

 
$

 
$
184

 
$
1,078

 
$
2,776

With a Related Allowance

 

 

 

 

 

 

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
33

 

 
1,481

 

 
184

 
1,078

 
2,776

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 

 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
45

 
$

 
$
2,528

 
$

 
$
203

 
$
1,090

 
$
3,866

With a Related Allowance
1,387

 

 

 

 

 

 
1,387

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
45

 

 
2,695

 

 
203

 
1,090

 
4,033

With a Related Allowance
1,387

 

 

 

 

 

 
1,387

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
58

 
$

 
$
1,625

 
$

 
$
213

 
$
1,490

 
$
3,386

With a Related Allowance
1,641

 

 

 

 

 

 
1,641

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
58

 

 
1,458

 

 
213

 
1,490

 
$
3,219

With a Related Allowance
1,641

 

 

 

 

 

 
1,641

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
35

 
$

 
$
1,493

 
$

 
$
183

 
$
1,082

 
$
2,793

With a Related Allowance

 

 

 

 

 

 

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
1

 

 

 

 
3

 

 
4

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

 

 

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
60

 
$

 
$
1,707

 
$

 
$
227

 
$
1,645

 
$
3,639

With a Related Allowance
559

 

 

 

 

 

 
559

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
1

 

 
6

 

 
3

 
3

 
13

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 
6

 

 

 

 
6

With a Related Allowance

 

 

 

 

 

 

Impaired Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:

 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
39

 
$

 
$
2,005

 
$

 
$
194

 
$
1,084

 
$
3,322

With a Related Allowance
345

 

 

 

 

 

 
345

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
2

 

 

 

 
5

 
4

 
11

With a Related Allowance
72

 

 

 

 

 

 
72

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

 

 

With a Related Allowance
72

 

 

 

 

 

 
72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
62

 
$

 
$
1,789

 
$

 
$
241

 
$
1,799

 
$
3,891

With a Related Allowance
280

 

 

 

 

 

 
280

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
3

 

 
44

 

 
5

 
4

 
56

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 
44

 

 

 

 
44

With a Related Allowance

 

 

 

 

 

 

Troubled Debt Restructurings on Financing Receivables [Table Text Block]
The following table presents information on loans modified in trouble debt restructurings during the periods indicated:
Loans Modified in Trouble Debt Restructurings During the Period
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
3

 

 
3

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
30

 
$

 
$
30

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
30

 
$

 
$
30

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
2

 

 
2

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
16

 
$

 
$
16

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
16

 
$

 
$
16

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
5

 

 
5

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
41

 
$

 
$
41

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
41

 
$

 
$
41

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
7

 

 
7

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
60

 
$

 
$
60

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
60

 
$

 
$
60