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Loans (Tables)
9 Months Ended
Sep. 30, 2014
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables [Table Text Block]
The following table presents loan balances outstanding as of September 30, 2014, December 31, 2013 and September 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 $1,149, $64 and $1,561 as of September 30, 2014, December 31, 2013 and September 30, 2013, respectively, are included in the residential real estate balances for current loans.

Past Due Loans
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
109

 
$

 
$

 
$
24

 
$
2,938

 
$
389

 
$
3,460

Loans Past Due 60-89 Days
210

 

 
232

 
8

 
1,058

 
1,379

 
2,887

Loans Past Due 90 or more Days
485

 

 
1,832

 
9

 
257

 
3,064

 
5,647

Total Loans Past Due
804

 

 
2,064

 
41

 
4,253

 
4,832

 
11,994

Current Loans
96,042

 
26,709

 
311,835

 
7,372

 
415,300

 
512,188

 
1,369,446

Total Loans
$
96,846

 
$
26,709

 
$
313,899

 
$
7,413

 
$
419,553

 
$
517,020

 
$
1,381,440

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$
328

 
$

 
$

 
$

 
$

 
$
243

 
$
571

Nonaccrual Loans
$
241

 
$

 
$
2,073

 
$
10

 
$
428

 
$
4,296

 
$
7,048

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
$
2,055

 
$
445

 
$
3,770

 
$
266

 
$
4,414

 
$
3,133

 
$
953

 
$
15,036

Charge-offs
(26
)
 

 

 
(8
)
 
(185
)
 
(46
)
 

 
(265
)
Recoveries
24

 

 

 
3

 
51

 

 

 
78

Provision
90

 
(45
)
 
(19
)
 
(7
)
 
256

 
187

 
(18
)
 
444

September 30, 2014
$
2,143

 
$
400

 
$
3,751

 
$
254

 
$
4,536

 
$
3,274

 
$
935

 
$
15,293

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
(192
)
 

 

 
(34
)
 
(452
)
 
(91
)
 

 
(769
)
Recoveries
49

 

 

 
4

 
168

 

 

 
221

Provision
400

 
(17
)
 
206

 
12

 
614

 
339

 
(147
)
 
1,407

September 30, 2014
$
2,143

 
$
400

 
$
3,751

 
$
254

 
$
4,536

 
$
3,274

 
$
935

 
$
15,293

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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

 
$

 
$

 
$

 
$

 
$
82

 
$

 
$
82

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
2,143

 
$
400

 
$
3,751

 
$
254

 
$
4,536

 
$
3,192

 
$
935

 
$
15,211

Ending Loan Balance - Individually Evaluated for Impairment
$
201

 
$

 
$
1,493

 
$

 
$
123

 
$
2,200

 
$

 
$
4,017

Ending Loan Balance - Collectively Evaluated for Impairment
$
96,645

 
$
26,709

 
$
312,406

 
$
7,413

 
$
419,430

 
$
514,820

 
$

 
$
1,377,423

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

    
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the credit quality indicators by loan category at September 30, 2014, December 31, 2013 and September 30, 2013:
Loan Credit Quality Indicators
 
 
 
Commercial
 
Commercial
 
Other
 
 
 
 
 
 
 
Commercial
 
Construction
 
Real Estate
 
Consumer
 
Automobile
 
Residential
 
Total
September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
 
 
 
 
Satisfactory
$
82,232

 
$
26,709

 
$
289,686

 
 
 
 
 
 
 
$
398,627

Special Mention
4,969

 

 
7,032

 
 
 
 
 
 
 
12,001

Substandard
9,645

 

 
17,181

 
 
 
 
 
 
 
26,826

Doubtful

 

 

 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
 
 
$
7,403

 
$
419,125

 
$
512,481

 
939,009

Nonperforming
 
 
 
 
 
 
10

 
428

 
4,539

 
4,977

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
 
 
 
 

 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
201

 
$

 
$
1,493

 
$

 
$
123

 
$
1,667

 
$
3,484

With a Related Allowance

 

 

 

 

 
533

 
533

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
201

 

 
1,493

 

 
123

 
1,667

 
3,484

With a Related Allowance

 

 

 

 

 
533

 
533

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
205

 
$

 
$
1,493

 
$

 
$
124

 
$
1,394

 
$
3,216

With a Related Allowance

 

 

 

 

 
554

 
554

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

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Average Recorded Balance:

 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
211

 
$

 
$
1,639

 
$

 
$
148

 
$
1,988

 
$
3,986

With a Related Allowance

 

 

 

 

 
267

 
267

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance
7

 

 

 

 
6

 
1

 
14

With a Related Allowance

 

 

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

 

 

With a Related Allowance

 

 

 

 

 

 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
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

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, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
1

 

 
1

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
12

 
$

 
$
12

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
12

 
$

 
$
12

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
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:
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2014
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
2

 
1

 
3

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
14

 
$
574

 
$
588

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
14

 
$
574

 
$
588

 
 
 
 
 
 
 
 
 
 
 
 
 
 
September 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
Number of Loans

 

 

 

 
7

 

 
7

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
57

 
$

 
$
57

Post-Modification Outstanding Recorded Investment
$

 
$

 
$

 
$

 
$
57

 
$

 
$
57