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Loans (Tables)
 3 Months Ended
Mar. 31, 2020
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables
The following table presents loan balances outstanding as of March 31, 2020, December 31, 2019 and March 31, 2019 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 when the borrower is two payments past due. Loans held-for-sale of $1,905, $215 and $201 as of March 31, 2020, December 31, 2019 and March 31, 2019, respectively, are included in the residential real estate balances for current loans.

Schedule of Past Due Loans by Loan Category
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2020
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
173

 
$
461

 
$
5,636

 
$
1,630

 
$
7,900

Loans Past Due 60-89 Days
70

 
110

 
1,451

 
212

 
1,843

Loans Past Due 90 or more Days
8

 
911

 
549

 
1,525

 
2,993

Total Loans Past Due
251

 
1,482

 
7,636

 
3,367

 
12,736

Current Loans
146,849

 
524,648

 
817,073

 
912,887

 
2,401,457

Total Loans
$
147,100

 
$
526,130

 
$
824,709

 
$
916,254

 
$
2,414,193

 
 
 
 
 
 
 
 
 
 
Loans 90 or More Days Past Due
  and Still Accruing Interest
$
5

 
$
238

 
$
93

 
$
101

 
$
437

Nonaccrual Loans
63

 
1,445

 
715

 
2,720

 
4,943

 
 
 
 
 
 
 
 
 
 
December 31, 2019
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
150

 
$
—

 
$
5,670

 
$
152

 
$
5,972

Loans Past Due 60-89 Days
42

 
266

 
2,700

 
2,027

 
5,035

Loans Past Due 90 or more Days
21

 
326

 
445

 
1,807

 
2,599

Total Loans Past Due
213

 
592

 
8,815

 
3,986

 
13,606

Current Loans
150,447

 
509,949

 
802,383

 
909,735

 
2,372,514

Total Loans
$
150,660

 
$
510,541

 
$
811,198

 
$
913,721

 
$
2,386,120

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

 
$
—

 
$
—

 
$
253

 
$
253

Nonaccrual Loans
81

 
326

 
663

 
2,935

 
4,005

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Loans Past Due 30-59 Days
$
168

 
$
208

 
$
4,758

 
$
1,345

 
$
6,479

Loans Past Due 60-89 Days
—

 
—

 
1,387

 
207

 
1,594

Loans Past Due 90 or more Days
17

 
108

 
369

 
1,610

 
2,104

Total Loans Past Due
185

 
316

 
6,514

 
3,162

 
10,177

Current Loans
133,091

 
493,071

 
740,285

 
858,584

 
2,225,031

Total Loans
$
133,276

 
$
493,387

 
$
746,799

 
$
861,746

 
$
2,235,208

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

 
$
—

 
$
—

 
$
64

 
$
64

Nonaccrual Loans
415

 
248

 
588

 
3,892

 
5,143
Allowance for Credit Losses on Financing Receivables
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
 
Total
Roll-forward of the Allowance for Loan Losses for the Quarterly Periods:
 
 
 
 
 
 
 
 
 
December 31, 2019
$
1,386

 
$
5,830

 
$
9,408

 
$
4,563

 
$
21,187

Charge-offs
(14
)
 
—

 
(467
)
 
—

 
(481
)
Recoveries
—

 
—

 
159

 
—

 
159

Provision
267

 
1,235

 
904

 
366

 
2,772

March 31, 2020
$
1,639

 
$
7,065

 
$
10,004

 
$
4,929

 
$
23,637

 
 
 
 
 
 
 
 
 
 
December 31, 2018
$
1,218

 
$
5,644

 
$
8,882

 
$
4,452

 
$
20,196

Charge-offs
(1
)
 
(29
)
 
(418
)
 
(14
)
 
(462
)
Recoveries
—

 
—

 
167

 
—

 
167

Provision
33

 
(26
)
 
778

 
(313
)
 
472

March 31, 2019
$
1,250

 
$
5,589

 
$
9,409

 
$
4,125

 
$
20,373

 
 
 
 
 
 
 
 
 
 
Allowance for Loan Losses
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2020
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
4

 
$
—

 
$
—

 
$
37

 
$
41

Allowance for loan losses - Loans Collectively Evaluated for Impairment
1,635

 
7,065

 
10,004

 
4,892

 
23,596

Ending Loan Balance - Individually Evaluated for Impairment
34

 
1,137

 
111

 
953

 
2,235

Ending Loan Balance - Collectively Evaluated for Impairment
$
147,066

 
$
524,993

 
$
824,598

 
$
915,301

 
$
2,411,958

 
 
 
 
 
 
 
 
 
 
December 31, 2019
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
5

 
$
—

 
$
—

 
$
42

 
$
47

Allowance for creditlosses - Loans Collectively Evaluated for Impairment
1,381

 
5,830

 
9,408

 
4,521

 
21,140

Ending Loan Balance - Individually Evaluated for Impairment
35

 
—

 
107

 
959

 
1,101

Ending Loan Balance - Collectively Evaluated for Impairment
$
150,625

 
$
510,541

 
$
811,091

 
$
912,762

 
$
2,385,019

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Allowance for loan losses - Loans Individually Evaluated for Impairment
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Allowance for credit losses - Loans Collectively Evaluated for Impairment
1,250

 
5,589

 
9,409

 
4,125

 
20,373

Ending Loan Balance - Individually Evaluated for Impairment
40

 
387

 
101

 
2,417

 
2,945

Ending Loan Balance - Collectively Evaluated for Impairment
$
133,236

 
$
493,000

 
$
746,698

 
$
859,329

 
$
2,232,263

    
Financing Receivable Credit Quality Indicators
The following table presents the credit quality indicators by loan category at March 31, 2020, December 31, 2019 and March 31, 2019:
Loan Credit Quality Indicators
 
 
 
Commercial
 
 
 
 
 
 
 
Commercial
 
Real Estate
 
Consumer
 
Residential
 
Total
March 31, 2020
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
140,218

 
$
497,243

 
 
 
 
 
$
637,461

Special Mention
28

 
255

 
 
 
 
 
283

Substandard
6,854

 
28,632

 
 
 
 
 
35,486

Doubtful
—

 
—

 
 
 
 
 
—

 
 
 
 
 
 
 
 
 

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
823,901

 
$
913,433

 
$
1,737,334

Nonperforming
 
 
 
 
808

 
2,821

 
3,629

 
 
 
 
 
 
 
 
 
 
December 31, 2019
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
144,283

 
$
484,267

 
 
 
 
 
$
628,550

Special Mention
32

 
263

 
 
 
 
 
295

Substandard
6,345

 
26,011

 
 
 
 
 
32,356

Doubtful
—

 
—

 
 
 
 
 
—

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
810,535

 
$
910,533

 
$
1,721,068

Nonperforming
 
 
 
 
663

 
3,188

 
3,851

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Credit Risk Profile by Creditworthiness Category:
 
 
 
 
 
 
 
 
 
Satisfactory
$
125,918

 
$
465,216

 
 
 
 
 
$
591,134

Special Mention
133

 
2,268

 
 
 
 
 
2,401

Substandard
7,225

 
25,903

 
 
 
 
 
33,128

Doubtful
—

 
—

 
 
 
 
 
—

Credit Risk Profile Based on Payment Activity:
 
 
 
 
 
 
 
 
 
Performing
 
 
 
 
$
746,211

 
$
857,790

 
$
1,604,001

Nonperforming
 
 
 
 
588

 
3,956

 
4,544
Impaired Financing Receivables
The following table presents information on impaired loans as of March 31, 2020, December 31, 2019 and March 31, 2019 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, 2020
 
 

 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
1,137

 
$
112

 
$
697

 
$
1,946

With a Related Allowance
33

 
—

 
—

 
256

 
289

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
1,137

 
111

 
697

 
1,945

With a Related Allowance
34

 
—

 
—

 
256

 
290

 
 
 
 
 
 
 
 
 
 
December 31, 2019
 
 
 
 
 
 

 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
—

 
$
108

 
$
699

 
$
807

With a Related Allowance
34

 
—

 
—

 
260

 
294

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
107

 
699

 
806

With a Related Allowance
35

 
—

 
—

 
260

 
295

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Recorded Investment:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
38

 
$
389

 
$
101

 
$
2,417

 
$
2,945

With a Related Allowance
—

 
—

 
—

 
—

 
—

Unpaid Principal Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
424

 
2

 
101

 
2,416

 
$
2,943

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
March 31, 2020
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
—

 
$
569

 
$
110

 
$
698

 
$
1,377

With a Related Allowance
34

 
—

 
—

 
258

 
292

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
10

 
—

 
—

 
10

With a Related Allowance
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
—

 
—

 
—

With a Related Allowance
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Average Recorded Balance:
 
 
 
 
 
 
 
 
 
With No Related Allowance
$
234

 
$
591

 
$
101

 
$
2,011

 
$
2,937

With a Related Allowance
—

 
—

 
—

 
147

 
147

Interest Income Recognized:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
—

 
—

 
—

With a Related Allowance
—

 
—

 
—

 
—

 
—

Cash Basis Income:
 
 
 
 
 
 
 
 
 
With No Related Allowance
—

 
—

 
—

 
—

 
—

With a Related Allowance
—

 
—

 
—

 
—

 
—
Troubled Debt Restructurings on Financing Receivables
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
 
Real Estate
 
Consumer
 
Residential
 
Total
For the Quarter Ended:
 
 
 
 
 
 
 
 
 
March 31, 2020
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
1

 
—

 
1

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
16

 
$
—

 
$
16

Post-Modification Outstanding Recorded Investment
—

 
—

 
16

 
—

 
16

Subsequent Default, Number of Contracts
—

 
—

 
—

 
—

 
—

Subsequent Default, Recorded Investment
—

 
—

 
—

 
—

 
—

 
 
 
 
 
 
 
 
 
 
March 31, 2019
 
 
 
 
 
 
 
 
 
Number of Loans
—

 
—

 
1

 
—

 
1

Pre-Modification Outstanding Recorded Investment
$
—

 
$
—

 
$
13

 
$
—

 
$
13

Post-Modification Outstanding Recorded Investment
—

 
—

 
13

 
—

 
13

Subsequent Default, Number of Contracts
—

 
—

 
—

 
—

 
—

Subsequent Default, Recorded Investment
—

 
—

 
—

 
—

 
—