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Loans (Tables)
 9 Months Ended
Sep. 30, 2013
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables [Table Text Block]
The following table presents loan balances outstanding as of September 30, 2013, December 31, 2012 and September 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 $1,561, $2,801 and $816 as of September 30, 2013, December 31, 2012 and September 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
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
595

 
$
—

 
$
—

 
$
50

 
$
2,230

 
$
200

 
$
3,075

Loans Past Due 60-89 Days
750

 
—

 
1,173

 
4

 
654

 
1,999

 
4,580

Loans Past Due 90 or more Days
53

 
—

 
1,847

 
—

 
133

 
2,721

 
4,754

Total Loans Past Due
1,398

 
—

 
3,020

 
54

 
3,017

 
4,920

 
12,409

Current Loans
85,719

 
33,960

 
260,084

 
7,516

 
389,335

 
454,347

 
1,230,961

Total Loans
$
87,117

 
$
33,960

 
$
263,104

 
$
7,570

 
$
392,352

 
$
459,267

 
$
1,243,370

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

 
$
—

 
$
—

 
$
—

 
$
11

 
$
916

 
$
927

Nonaccrual Loans
$
269

 
$
—

 
$
1,930

 
$
3

 
$
240

 
$
3,729

 
$
6,171

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
831

 
$
—

 
$
271

 
$
20

 
$
2,675

 
$
2,245

 
$
6,042

Loans Past Due 60-89 Days
1,764

 
—

 
1,051

 
—

 
485

 
822

 
4,122

Loans Past Due 90 or more Days
216

 
—

 
621

 
—

 
148

 
1,278

 
2,263

Total Loans Past Due
2,811

 
—

 
1,943

 
20

 
3,308

 
4,345

 
12,427

Current Loans
97,612

 
27,265

 
233,238

 
6,837

 
339,922

 
435,650

 
1,140,524

Total Loans
$
100,423

 
$
27,265

 
$
235,181

 
$
6,857

 
$
343,230

 
$
439,995

 
$
1,152,951

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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
150

 
$
150

Nonaccrual Loans
$
1,750

 
$
—

 
$
1,156

 
$
1

 
$
419

 
$
2,762

 
$
6,088
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:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
$
1,552

 
$
646

 
$
3,293

 
$
299

 
$
4,357

 
$
3,408

 
$
1,123

 
$
14,678

Charge-offs
(62
)
 
—

 
—

 
(7
)
 
(114
)
 
—

 
—

 
(183
)
Recoveries
8

 
—

 
—

 
2

 
79

 
—

 
—

 
89

Provision
209

 
4

 
15

 
(29
)
 
(14
)
 
(159
)
 
(26
)
 
—

September 30, 2013
$
1,707

 
$
650

 
$
3,308

 
$
265

 
$
4,308

 
$
3,249

 
$
1,097

 
$
14,584

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2012
$
2,098

 
$
528

 
$
3,295

 
$
355

 
$
4,571

 
$
3,451

 
$
913

 
$
15,211

Charge-offs
—

 
—

 
(39
)
 
(27
)
 
(105
)
 
—

 
—

 
(171
)
Recoveries
2

 
—

 
—

 
8


47

 
—

 
—

 
57

Provision
22

 
19

 
(82
)
 
(11
)
 
119

 
38

 
45

 
150

September 30, 2012
$
2,122

 
$
547

 
$
3,174

 
$
325

 
$
4,632

 
$
3,489

 
$
958

 
$
15,247

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 Year-to-Date Periods:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2012
$
2,344

 
$
601

 
$
3,050

 
$
304

 
$
4,536

 
$
3,405

 
$
1,058

 
$
15,298

Charge-offs
(850
)
 
—

 
(11
)
 
(20
)
 
(284
)
 
—

 
—

 
(1,165
)
Recoveries
48

 
—

 
—

 
2

 
201

 
—

 
—

 
251

Provision
165

 
49

 
269

 
(21
)
 
(145
)
 
(156
)
 
39

 
200

September 30, 2013
$
1,707

 
$
650

 
$
3,308

 
$
265

 
$
4,308

 
$
3,249

 
$
1,097

 
$
14,584

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2011
$
1,927

 
$
602

 
$
3,136

 
$
350

 
$
4,496

 
$
3,414

 
$
1,078

 
$
15,003

Charge-offs
(15
)
 
—

 
(206
)
 
(69
)
 
(281
)
 
(33
)
 
—

 
(604
)
Recoveries
5

 
—

 
—

 
17

 
156

 
—

 
—

 
178

Provision
205

 
(55
)
 
244

 
27

 
261

 
108

 
(120
)
 
670

September 30, 2012
$
2,122

 
$
547

 
$
3,174

 
$
325

 
$
4,632

 
$
3,489

 
$
958

 
$
15,247

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

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,707

 
$
650

 
$
3,308

 
$
265

 
$
4,308

 
$
3,249

 
$
1,097

 
$
14,584

Ending Loan Balance - Individually Evaluated for Impairment
$
25

 
$
—

 
$
1,497

 
$
—

 
$
169

 
$
1,720

 
$
—

 
$
3,411

Ending Loan Balance - Collectively Evaluated for Impairment
$
87,092

 
$
33,960

 
$
261,607

 
$
7,570

 
$
392,183

 
$
457,547

 
$
—

 
$
1,239,959

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for Loan Losses
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Unallocated
 
Total
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
809

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
809

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,313

 
$
547

 
$
3,174

 
$
325

 
$
4,632

 
$
3,489

 
$
958

 
$
14,438

Ending Loan Balance - Individually Evaluated for Impairment
$
1,553

 
$
—

 
$
1,574

 
$
—

 
$
204

 
$
1,512

 
$
—

 
$
4,843

Ending Loan Balance - Collectively Evaluated for Impairment
$
98,870

 
$
27,265

 
$
233,607

 
$
6,857

 
$
343,026

 
$
438,483

 
$
—

 
$
1,148,108

    
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the credit quality indicators by loan category at September 30, 2013, December 31, 2012 and September 30, 2012:
Loan Credit Quality Indicators
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
$
78,706

 
$
33,133

 
$
241,437

 
 
 
 
 
 
 
$
353,276

Special Mention
2,313

 
—

 
3,004

 
 
 
 
 
 
 
5,317

Substandard
6,098

 
827

 
18,663

 
 
 
 
 
 
 
25,588

Doubtful
—

 
—

 
—

 
 
 
 
 
 
 
—

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
$
7,567

 
$
392,112

 
$
454,620

 
854,299

Nonperforming
 
 
 
 
 
 
3

 
240

 
4,647

 
4,890

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
93,095

 
25,993

 
214,239

 
 
 
 
 
 
 
333,327

Special Mention
279

 
—

 
1,537

 
 
 
 
 
 
 
1,816

Substandard
7,049

 
1,272

 
19,405

 
 
 
 
 
 
 
27,726

Doubtful
—

 
—

 
—

 
 
 
 
 
 
 
—

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
6,856

 
342,811

 
437,082

 
786,749

Nonperforming
 
 
 
 
 
 
1

 
419

 
2,913

 
3,333
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
September 30, 2013
 
 
 
 

 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
25

 
$
—

 
$
1,497

 
$
—

 
$
169

 
$
1,720

 
$
3,411

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
25

 
—

 
1,497

 
—

 
169

 
1,720

 
3,411

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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
52

 
$
—

 
$
1,574

 
$
—

 
$
204

 
$
1,512

 
$
3,342

With a Related Allowance
1,501

 
—

 
—

 
—

 
—

 
—

 
1,501

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
52

 
—

 
1,741

 
—

 
204

 
1,512

 
$
3,509

With a Related Allowance
1,501

 
—

 
—

 
—

 
—

 
—

 
1,501

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
29

 
$
—

 
$
1,489

 
$
—

 
$
177

 
$
1,399

 
$
3,094

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
1

 
—

 
—

 
—

 
1

 
2

 
4

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Impaired Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
55

 
$
—

 
$
1,600

 
$
—

 
$
209

 
$
1,501

 
$
3,365

With a Related Allowance
1,571

 
—

 
—

 
—

 
—

 
—

 
1,571

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
2

 
—

 
10

 
—

 
4

 
3

 
19

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
10

 
—

 
—

 
—

 
10

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:

 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
35

 
$
—

 
$
2,013

 
$
—

 
$
186

 
$
1,405

 
$
3,639

With a Related Allowance
694

 
—

 
—

 
—

 
—

 
—

 
694

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
3

 
—

 
—

 
—

 
6

 
6

 
15

With a Related Allowance
72

 
—

 
—

 
—

 
—

 
—

 
72

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

With a Related Allowance
72

 
—

 
—

 
—

 
—

 
—

 
72

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
59

 
$
—

 
$
1,717

 
$
—

 
$
229

 
$
1,703

 
$
3,708

With a Related Allowance
687

 
—

 
—

 
—

 
—

 
—

 
687

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
5

 
—

 
54

 
—

 
9

 
7

 
75

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
54

 
—

 
—

 
—

 
54

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:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
—

 
—

 
2

 
—

 
2

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
—

 
$
—

 
$
16

 
$
—

 
$
16

Post-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
—

 
$
—

 
$
16

 
$
—

 
$
16

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
2

 
—

 
5

 
—

 
7

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
47

 
$
—

 
$
41

 
$
—

 
$
88

Post-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
47

 
$
—

 
$
41

 
$
—

 
$
88

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

 
—

 
—

 
—

 
7

 
—

 
7

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
—

 
$
—

 
$
57

 
$
—

 
$
57

Post-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
—

 
$
—

 
$
57

 
$
—

 
$
57

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
2

 
—

 
12

 
—

 
14

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
47

 
$
—

 
$
101

 
$
—

 
$
148

Post-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
47

 
$
—

 
$
101

 
$
—

 
$
148