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Loans (Tables)
6 Months Ended
Jun. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables [Table Text Block]
The following table presents loan balances outstanding as of June 30, 2014, December 31, 2013 and June 30, 2013 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 $1,084, $64 and $503 as of June 30, 2014, December 31, 2013 and June 30, 2013, 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, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
212

 
$

 
$

 
$
30

 
$
2,696

 
$
439

 
$
3,377

Loans Past Due 60-89 Days
575

 

 
443

 
6

 
811

 
1,441

 
3,276

Loans Past Due 90 or more Days
108

 

 
1,887

 

 
272

 
2,955

 
5,222

Total Loans Past Due
895

 

 
2,330

 
36

 
3,779

 
4,835

 
11,875

Current Loans
92,995

 
29,702

 
307,316

 
7,827

 
405,522

 
488,887

 
1,332,249

Total Loans
$
93,890

 
$
29,702

 
$
309,646

 
$
7,863

 
$
409,301

 
$
493,722

 
$
1,344,124

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

 
$

 
$
51

 
$

 
$
5

 
$
1,269

 
$
1,325

Nonaccrual Loans
$
164

 
$

 
$
2,079

 
$
1

 
$
472

 
$
3,469

 
$
6,185

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
304

 
$

 
$
200

 
$
37

 
$
3,233

 
$
529

 
$
4,303

Loans Past Due 60-89 Days
601

 

 
1,200

 
19

 
1,041

 
1,527

 
4,388

Loans Past Due 90 or more Days
177

 

 
2,034

 

 
98

 
3,113

 
5,422

Total Loans Past Due
1,082

 

 
3,434

 
56

 
4,372

 
5,169

 
14,113

Current Loans
86,811

 
27,815

 
284,685

 
7,593

 
389,832

 
455,623

 
1,252,359

Total Loans
$
87,893

 
$
27,815

 
$
288,119

 
$
7,649

 
$
394,204

 
$
460,792

 
$
1,266,472

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$
28

 
$

 
$

 
$

 
$

 
$
624

 
$
652

Nonaccrual Loans
$
352

 
$

 
$
2,048

 
$

 
$
219

 
$
3,860

 
$
6,479

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
$
1,797

 
$
420

 
$
3,778

 
$
280

 
$
4,306

 
$
3,077

 
$
978

 
$
14,636

Charge-offs
(43
)
 

 

 
(12
)
 
(83
)
 
(30
)
 

 
(168
)
Recoveries
6

 

 

 

 
57

 

 

 
63

Provision
295

 
25

 
(8
)
 
(2
)
 
134

 
86

 
(25
)
 
505

June 30, 2014
$
2,055

 
$
445

 
$
3,770

 
$
266

 
$
4,414

 
$
3,133

 
$
953

 
$
15,036

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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, 2013
$
1,886

 
$
417

 
$
3,545

 
$
272

 
$
4,206

 
$
3,026

 
$
1,082

 
$
14,434

Charge-offs
(166
)
 

 

 
(26
)
 
(267
)
 
(45
)
 

 
(504
)
Recoveries
25

 

 

 
1

 
117

 

 

 
143

Provision
310

 
28

 
225

 
19

 
358

 
152

 
(129
)
 
963

June 30, 2014
$
2,055

 
$
445

 
$
3,770

 
$
266

 
$
4,414

 
$
3,133

 
$
953

 
$
15,036

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$

 
$

 
$
82

 
$

 
$
82

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
2,055

 
$
445

 
$
3,770

 
$
266

 
$
4,414

 
$
3,051

 
$
953

 
$
14,954

Ending Loan Balance - Individually Evaluated for Impairment
$
208

 
$

 
$
1,493

 
$

 
$
125

 
$
1,695

 
$

 
$
3,521

Ending Loan Balance - Collectively Evaluated for Impairment
$
93,682

 
$
29,702

 
$
308,153

 
$
7,863

 
$
409,176

 
$
492,027

 
$

 
$
1,340,603

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$

 
$

 
$

 
$

 
$

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,886

 
$
417

 
$
3,545

 
$
272

 
$
4,206

 
$
3,026

 
$
1,082

 
$
14,434

Ending Loan Balance - Individually Evaluated for Impairment
$
221

 
$

 
$
1,785

 
$

 
$
173

 
$
2,309

 
$

 
$
4,488

Ending Loan Balance - Collectively Evaluated for Impairment
$
87,672

 
$
27,815

 
$
286,334

 
$
7,649

 
$
394,031

 
$
458,483

 
$

 
$
1,261,984

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

    
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the credit quality indicators by loan category at June 30, 2014, December 31, 2013 and June 30, 2013:
Loan Credit Quality Indicators
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
$
81,183

 
$
29,702

 
$
286,863

 
 
 
 
 
 
 
$
397,748

Special Mention
2,642

 

 
3,515

 
 
 
 
 
 
 
6,157

Substandard
10,065

 

 
19,268

 
 
 
 
 
 
 
29,333

Doubtful

 

 

 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
$
7,862

 
$
408,821

 
$
488,984

 
905,667

Nonperforming
 
 
 
 
 
 
1

 
480

 
4,738

 
5,219

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
79,966

 
27,815

 
267,612

 
 
 
 
 
 
 
375,393

Special Mention
204

 

 
634

 
 
 
 
 
 
 
838

Substandard
7,723

 

 
19,873

 
 
 
 
 
 
 
27,596

Doubtful

 

 

 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
7,649

 
393,985

 
456,308

 
857,942

Nonperforming
 
 
 
 
 
 

 
219

 
4,484

 
4,703

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
 
 
 
 

 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
208

 
$

 
$
1,493

 
$

 
$
125

 
$
1,121

 
$
2,947

With a Related Allowance

 

 

 

 

 
574

 
574

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
208

 

 
1,493

 

 
125

 
1,121

 
2,947

With a Related Allowance

 

 

 

 

 
574

 
574

 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2013
 
 
 
 
 
 
 
 
 
 

 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
221

 
$

 
$
1,785

 
$

 
$
173

 
$
2,309

 
$
4,488

With a Related Allowance

 

 

 

 

 

 

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
221

 

 
1,785

 

 
173

 
2,309

 
4,488

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
211

 
$

 
$
1,652

 
$

 
$
135

 
$
1,517

 
$
3,515

With a Related Allowance

 

 

 

 

 
394

 
394

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
2

 

 

 

 
2

 

 
4

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

 

 

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 

 

 

 

 

 

Impaired Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:

 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
215

 
$

 
$
1,639

 
$

 
$
149

 
$
1,715

 
$
3,718

With a Related Allowance

 

 

 

 

 
287

 
287

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
5

 

 
10

 

 
4

 
1

 
20

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

 

 

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 

 
1

 
1

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$

 
$
574

 
$
574

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$

 
$
574

 
$
574

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
3

 

 
3

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
30

 
$

 
$
30

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
30

 
$

 
$
30

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
1

 
1

 
2

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
2

 
$
574

 
$
576

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
2

 
$
574

 
$
576

 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
5

 

 
5

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
41

 
$

 
$
41

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
41

 
$

 
$
41