XML 47 R33.htm IDEA: XBRL DOCUMENT
v3.20.4

Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2020
Receivables [Abstract] |
Past Due Financing Receivables | The following table presents loan balances outstanding as of December 31, 2020 and December 31, 2019 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $11,085 and $150 as of December 31, 2020, and December 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
December 31, 2020 |  |  |  |  |  |  |  |  |
Loans Past Due 30-59 Days | $ | 102 |  |  | $ | — |  |  | $ | 4,976 |  |  | $ | 261 |  |  | $ | 5,339 |
Loans Past Due 60-89 Days | 113 |  |  | — |  |  | 2,713 |  |  | 1,279 |  |  | 4,105 |
Loans Past Due 90 or More Days | 78 |  |  | 1,658 |  |  | 1,379 |  |  | 1,224 |  |  | 4,339 |
Total Loans Past Due | 293 |  |  | 1,658 |  |  | 9,068 |  |  | 2,764 |  |  | 13,783 |
Current Loans | 240,261 |  |  | 570,129 |  |  | 850,700 |  |  | 920,157 |  |  | 2,581,247 |
Total Loans | $ | 240,554 |  |  | $ | 571,787 |  |  | $ | 859,768 |  |  | $ | 922,921 |  |  | $ | 2,595,030 |
Loans 90 or More Days Past Due and Still Accruing Interest | $ | — |  |  | $ | 184 |  |  | $ | — |  |  | $ | 44 |  |  | $ | 228 |
Nonaccrual Loans | 78 |  |  | 1,475 |  |  | 1,470 |  |  | 3,010 |  |  | 6,033 |
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 |
Financing Receivable Supplemental Information | Schedule of Supplemental Loan Information
| 2020 |  | 2019
Supplemental Information: |  |  |
Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances | $ | 1,273 |  |  | $ | 5,181 |
Overdrawn deposit accounts, included in the above balances | 238 |  |  | 2,420 |
Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York | 859,592 |  |  | 731,240 |
Residential real estate loans serviced for Freddie Mac, not included in the balances above | 190,169 |  |  | 139,094 |
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
Rollfoward of the Allowance for Loan Losses for the Year Ended: |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 | $ | 1,386 |  |  | $ | 5,830 |  |  | $ | 9,408 |  |  | $ | 4,563 |  |  |  |  | $ | 21,187 |
Charge-offs | (37) |  |  | (5) |  |  | (1,898) |  |  | (49) |  |  |  |  | (1,989) |
Recoveries | 3 |  |  | — |  |  | 712 |  |  | — |  |  |  |  | 715 |
Provision | 821 |  |  | 4,165 |  |  | 3,340 |  |  | 993 |  |  |  |  | 9,319 |
December 31, 2020 | $ | 2,173 |  |  | $ | 9,990 |  |  | $ | 11,562 |  |  | $ | 5,507 |  |  |  |  | $ | 29,232 |
December 31, 2018 | $ | 1,218 |  |  | $ | 5,644 |  |  | $ | 8,882 |  |  | $ | 4,452 |  |  |  |  | $ | 20,196 |
Charge-offs | (12) |  |  | (29) |  |  | (1,603) |  |  | (91) |  |  |  |  | (1,735) |
Recoveries | 98 |  |  | — |  |  | 549 |  |  | — |  |  |  |  | 647 |
Provision | 82 |  |  | 215 |  |  | 1,580 |  |  | 202 |  |  |  |  | 2,079 |
December 31, 2019 | $ | 1,386 |  |  | $ | 5,830 |  |  | $ | 9,408 |  |  | $ | 4,563 |  |  |  |  | $ | 21,187 |
December 31, 2017 | $ | 1,873 |  |  | $ | 4,504 |  |  | $ | 7,604 |  |  | $ | 4,605 |  |  |  |  | $ | 18,586 |
Charge-offs | (153) |  |  | (17) |  |  | (1,246) |  |  | (116) |  |  |  |  | (1,532) |
Recoveries | 3 |  |  | 12 |  |  | 520 |  |  | — |  |  |  |  | 535 |
Provision | (505) |  |  | 1,145 |  |  | 2,004 |  |  | (37) |  |  |  |  | 2,607 |
December 31, 2018 | $ | 1,218 |  |  | $ | 5,644 |  |  | $ | 8,882 |  |  | $ | 4,452 |  |  |  |  | $ | 20,196 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses - Loans Individually Evaluated for Impairment | $ | 19 |  |  | $ | — |  |  | $ | — |  |  | $ | 22 |  |  |  |  | $ | 41 |
Allowance for loan losses - Loans Collectively Evaluated for Impairment | 2,154 |  |  | 9,990 |  |  | 11,562 |  |  | 5,485 |  |  |  |  | 29,191 |
Ending Loan Balance - Individually Evaluated for Impairment | 47 |  |  | 1,128 |  |  | 111 |  |  | 1,417 |  |  |  |  | 2,703 |
Ending Loan Balance - Collectively Evaluated for Impairment | 240,507 |  |  | 570,659 |  |  | 859,657 |  |  | 921,504 |  |  |  |  | 2,592,327 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses - Loans Individually Evaluated for Impairment | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | 42 |  |  |  |  | $ | 47 |
Allowance for loan losses - 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 |
Financing Receivable Credit Quality Indicators | The following table presents the credit quality indicators by loan category at December 31, 2020 and December 31, 2019:
Loan Credit Quality Indicators
|  |  | Commercial |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
December 31, 2020 |  |  |  |  |  |  |  |  |
Credit Risk Profile by Creditworthiness Category: |  |  |  |  |  |  |  |  |
Satisfactory | $ | 229,351 |  |  | $ | 525,609 |  |  |  |  |  |  | $ | 754,960 |
Special Mention | 1,574 |  |  | 16,213 |  |  |  |  |  |  | 17,787 |
Substandard | 9,629 |  |  | 29,965 |  |  |  |  |  |  | 39,594 |
Doubtful | — |  |  | — |  |  |  |  |  |  | — |
Credit Risk Profile Based on Payment Activity: |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 858,298 |  |  | $ | 919,867 |  |  | 1,778,165 |
Nonperforming |  |  |  |  | 1,470 |  |  | 3,054 |  |  | 4,524 |
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 |
Impaired Financing Receivables | The following table presents information on impaired loans based on whether the impaired loan has a recorded allowance or no recorded allowance:
Impaired Loans
|  |  | Commercial |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
December 31, 2020 |  |  |  |  |  |  |  |  |
Recorded Investment: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | 1,124 |  |  | $ | 112 |  |  | $ | 1,174 |  |  | $ | 2,410 |
With a Related Allowance | 46 |  |  | — |  |  | — |  |  | 244 |  |  | 290 |
Unpaid Principal Balance: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | 1,128 |  |  | $ | 111 |  |  | $ | 1,174 |  |  | $ | 2,413 |
With a Related Allowance | 47 |  |  | — |  |  | — |  |  | 244 |  |  | 291 |
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 |
For the Year-To-Date Period Ended: |  |  |  |  |  |  |  |  |
December 31, 2020 |  |  |  |  |  |  |  |  |
Average Recorded Balance: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | 562 |  |  | $ | 110 |  |  | $ | 937 |  |  | $ | 1,609 |
With a Related Allowance | 40 |  |  | — |  |  | — |  |  | 252 |  |  | $ | 292 |
Interest Income Recognized: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 10 |  |  | $ | 11 |
With a Related Allowance | — |  |  | — |  |  | — |  |  | — |  |  | — |
Cash Basis Income: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
With a Related Allowance | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2019 |  |  |  |  |  |  |  |  |
Average Recorded Balance: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | 215 |  |  | $ | 397 |  |  | $ | 105 |  |  | $ | 1,152 |  |  | $ | 1,869 |
With a Related Allowance | 17 |  |  | — |  |  | — |  |  | 277 |  |  | $ | 294 |
Interest Income Recognized: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 8 |  |  | $ | 9 |
With a Related Allowance | — |  |  | — |  |  | — |  |  | — |  |  | — |
Cash Basis Income: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
With a Related Allowance | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2018 |  |  |  |  |  |  |  |  |
Average Recorded Balance: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | 215 |  |  | $ | 787 |  |  | $ | 98 |  |  | $ | 1,437 |  |  | $ | 2,537 |
With a Related Allowance | 243 |  |  | 363 |  |  | — |  |  | 314 |  |  | $ | 920 |
Interest Income Recognized: |  |  |  |  |  |  |  |  |
With No Related Allowance | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 18 |  |  | $ | 19 |
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 Year Ended: |  |  |  |  |  |  |  |  |
December 31, 2020 |  |  |  |  |  |  |  |  |
Number of Loans | 1 |  |  | — |  |  | 5 |  |  | — |  |  | 6 |
Pre-Modification Outstanding Recorded Investment | $ | 14 |  |  | $ | — |  |  | $ | 77 |  |  | $ | — |  |  | $ | 91 |
Post-Modification Outstanding Recorded Investment | 14 |  |  | — |  |  | 77 |  |  | — |  |  | 91 |
Subsequent Default, Number of Contracts | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subsequent Default, Recorded Investment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commitments to lend additional funds to modified loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2019 |  |  |  |  |  |  |  |  |
Number of Loans | — |  |  | — |  |  | 6 |  |  | — |  |  | 6 |
Pre-Modification Outstanding Recorded Investment | $ | — |  |  | $ | — |  |  | $ | 68 |  |  | $ | — |  |  | $ | 68 |
Post-Modification Outstanding Recorded Investment | — |  |  | — |  |  | 68 |  |  | — |  |  | 68 |
Subsequent Default, Number of Contracts | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subsequent Default, Recorded Investment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commitments to lend additional funds to modified loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2018 |  |  |  |  |  |  |  |  |
Number of Loans | 1 |  |  | — |  |  | 5 |  |  | — |  |  | 6 |
Pre-Modification Outstanding Recorded Investment | $ | 38 |  |  | $ | — |  |  | $ | 44 |  |  | $ | — |  |  | $ | 82 |
Post-Modification Outstanding Recorded Investment | 38 |  |  | — |  |  | 44 |  |  | — |  |  | 82 |
Subsequent Default, Number of Contracts | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subsequent Default, Recorded Investment | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commitments to lend additional funds to modified loans | — |  |  | — |  |  | — |  |  | — |  |  | — |

X
- Definition Financing Receivable Supplemental Information [Table Text Block] + References No definition available. + Details
Name: | arow_FinancingReceivableSupplementalInformationTableTextBlock
Namespace Prefix: | arow_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration