XML 62 R20.htm IDEA: XBRL DOCUMENT v2.4.1.9
Loans (Tables)
3 Months Ended
Mar. 31, 2015
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables [Table Text Block]
The following table presents loan balances outstanding as of March 31, 2015, December 31, 2014 and March 31, 2014 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 $828, $398 and $502 as of March 31, 2015, December 31, 2014 and March 31, 2014, respectively, are included in the residential real estate balances for current loans.

 
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2015
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
370

 
$
255

 
$
3,357

 
$
2,205

 
$
6,187

Loans Past Due 60-89 Days
48

 

 
428

 
519

 
995

Loans Past Due 90 or more Days
284

 
1,838

 
147

 
2,707

 
4,976

Total Loans Past Due
702

 
2,093

 
3,932

 
5,431

 
12,158

Current Loans
99,208

 
337,194

 
436,970

 
549,264

 
1,422,636

Total Loans
$
99,910

 
$
339,287

 
$
440,902

 
$
554,695

 
$
1,434,794

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

 
$

 
$

 
$
580

 
$
580

Nonaccrual Loans
$
409

 
$
2,070

 
$
337

 
$
4,182

 
$
6,998

 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
124

 
$
432

 
$
4,167

 
$
482

 
$
5,205

Loans Past Due 60-89 Days
154

 
7

 
1,225

 
1,495

 
2,881

Loans Past Due 90 or more Days
345

 
1,832

 
206

 
2,999

 
5,382

Total Loans Past Due
623

 
2,271

 
5,598

 
4,976

 
13,468

Current Loans
98,888

 
337,841

 
431,443

 
531,628

 
1,399,800

Total Loans
$
99,511

 
$
340,112

 
$
437,041

 
$
536,604

 
$
1,413,268

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

 
$

 
$

 
$
537

 
$
537

Nonaccrual Loans
$
473

 
$
2,071

 
$
415

 
$
3,940

 
$
6,899

 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
597

 
$
1,381

 
$
2,714

 
$
2,026

 
$
6,718

Loans Past Due 60-89 Days
579

 
237

 
528

 
438

 
1,782

Loans Past Due 90 or more Days
29

 
1,785

 
150

 
2,244

 
4,208

Total Loans Past Due
1,205

 
3,403

 
3,392

 
4,708

 
12,708

Current Loans
88,671

 
333,464

 
405,012

 
470,568

 
1,297,715

Total Loans
$
89,876

 
$
336,867

 
$
408,404

 
$
475,276

 
$
1,310,423

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

 
$

 
$

 
$
347

 
$
347

Nonaccrual Loans
$
182

 
$
2,042

 
$
372

 
$
3,687

 
$
6,283

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
 
Real Estate
 
Consumer
 
Residential
 
Unallocated
 
Total
Roll-forward of the Allowance for Loan Losses for the Year-to-Date Periods:
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014
$
2,100

 
$
4,128

 
$
5,210

 
$
3,369

 
$
763

 
$
15,570

Charge-offs
(16
)
 

 
(185
)
 
(89
)
 

 
(290
)
Recoveries
7

 

 
63

 

 

 
70

Provision
72

 
(295
)
 
179

 
349

 
(30
)
 
275

March 31, 2015
$
2,163

 
$
3,833

 
$
5,267

 
$
3,629

 
$
733

 
$
15,625

 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2013
$
1,886

 
$
3,962

 
$
4,478

 
$
3,026

 
$
1,082

 
$
14,434

Charge-offs
(123
)
 

 
(197
)
 
(16
)
 

 
(336
)
Recoveries
19

 

 
61

 

 

 
80

Provision
15

 
236

 
244

 
67

 
(104
)
 
458

March 31, 2014
$
1,797

 
$
4,198

 
$
4,586

 
$
3,077

 
$
978

 
$
14,636

 
 
 
 
 
 
 
 
 
 
 
 
Allowance for Loan Losses
 
 
 
Commercial
 
 
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Unallocated
 
Total
March 31, 2015
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$
149

 
$

 
$
149

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
2,163

 
$
3,833

 
$
5,267

 
$
3,480

 
$
733

 
$
15,476

Ending Loan Balance - Individually Evaluated for Impairment
$
459

 
$
1,492

 
$
107

 
$
2,296

 
$

 
$
4,354

Ending Loan Balance - Collectively Evaluated for Impairment
$
99,451

 
$
337,795

 
$
440,795

 
$
552,399

 
$

 
$
1,430,440

 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$
109

 
$

 
$
109

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
2,100

 
$
4,128

 
$
5,210

 
$
3,260

 
$
763

 
$
15,461

Ending Loan Balance - Individually Evaluated for Impairment
$
494

 
$
1,492

 
$
118

 
$
2,237

 
$

 
$
4,341

Ending Loan Balance - Collectively Evaluated for Impairment
$
99,017

 
$
338,620

 
$
436,923

 
$
534,367

 
$

 
$
1,408,927

 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$

 
$

 
$

 
$

 
$

 
$

Allowance for loan losses - Loans Collectively Evaluated for Impairment
$
1,797

 
$
4,198

 
$
4,586

 
$
3,077

 
$
978

 
$
14,636

Ending Loan Balance - Individually Evaluated for Impairment
$
214

 
$
1,810

 
$
144

 
$
1,913

 
$

 
$
4,081

Ending Loan Balance - Collectively Evaluated for Impairment
$
89,662

 
$
335,057

 
$
408,260

 
$
473,363

 
$

 
$
1,306,342

    
Financing Receivable Credit Quality Indicators [Table Text Block]
The following table presents the credit quality indicators by loan category at March 31, 2015, December 31, 2014 and March 31, 2014:
Loan Credit Quality Indicators
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2015
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
85,597

 
$
317,590

 
 
 
 
 
$
403,187

Special Mention
2,575

 
2,849

 
 
 
 
 
5,424

Substandard
11,738

 
18,848

 
 
 
 
 
30,586

Doubtful

 

 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
440,565

 
$
549,932

 
990,497

Nonperforming
 
 
 
 
337

 
4,763

 
5,100

 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
85,949

 
317,747

 
 
 
 
 
403,696

Special Mention
2,442

 
3,718

 
 
 
 
 
6,160

Substandard
11,120

 
18,647

 
 
 
 
 
29,767

Doubtful

 

 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
436,626

 
532,127

 
968,753

Nonperforming
 
 
 
 
415

 
4,477

 
4,892

 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
82,263

 
315,558

 
 
 
 
 
397,821

Special Mention
960

 
614

 
 
 
 
 
1,574

Substandard
6,653

 
20,695

 
 
 
 
 
27,348

Doubtful

 

 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
408,031

 
471,242

 
879,273

Nonperforming
 
 
 
 
373

 
4,034

 
4,407

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
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2015
 
 

 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
459

 
$
1,492

 
$
107

 
$
1,697

 
$
3,755

With a Related Allowance

 

 

 
599

 
599

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
459

 
1,492

 
107

 
1,697

 
3,755

With a Related Allowance

 

 

 
599

 
599

 
 
 
 
 
 
 
 
 
 
December 31, 2014
 
 
 
 
 
 

 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
494

 
$
1,492

 
$
118

 
$
1,678

 
$
3,782

With a Related Allowance

 

 

 
559

 
559

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
494

 
1,492

 
118

 
1,678

 
3,782

With a Related Allowance

 

 

 
559

 
559

 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
214

 
$
1,810

 
$
144

 
$
1,913

 
$
4,081

With a Related Allowance

 

 

 

 

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
214

 
1,810

 
144

 
1,913

 
$
4,081

With a Related Allowance

 

 

 

 

 
 
 
 
 
 
 
 
 
 
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
March 31, 2015
 
 
 
 
 
 
 
 
 
Average Recorded Balance:

 
 
 
 
 
 
 
 
With No Related Allowance
$
477

 
$
1,492

 
$
113

 
$
1,688

 
$
3,770

With a Related Allowance

 

 

 
579

 
579

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
2

 

 
1

 
1

 
4

With a Related Allowance

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

With a Related Allowance

 

 

 

 

 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
218

 
$
1,798

 
$
159

 
$
2,111

 
$
4,286

With a Related Allowance

 

 

 

 

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
3

 
10

 
2

 
1

 
16

With a Related Allowance

 

 

 

 

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance

 

 

 

 

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. All loans were modified under Arrow's own programs. The principal modification, for all the modifications in the table below, involved payment deferrals.
Loans Modified in Trouble Debt Restructurings During the Period
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
For the Year-To-Date Period Ended:
 
 
 
 
 
 
 
 
 
March 31, 2015
 
 
 
 
 
 
 
 
 
Number of Loans

 

 
1

 

 
1

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$
2

 
$

 
$
2

Post-Modification Outstanding Recorded Investment
$

 
$

 
$
2

 
$

 
$
2

 
 
 
 
 
 
 
 
 
 
March 31, 2014
 
 
 
 
 
 
 
 
 
Number of Loans

 

 
1

 

 
1

Pre-Modification Outstanding Recorded Investment
$

 
$

 
$
2

 
$

 
$
2

Post-Modification Outstanding Recorded Investment
$

 
$

 
$
2

 
$

 
$
2