The Company also holds loans subject to restructuring agreements that are on accrual status, which totaled $25.7 million and $18.3 million at December 31, 2012 and December 31, 2011, respectively. At December 31, 2012, all of these loans were performing in accordance with their restructured terms.
The following table details the amounts and categories of the loans subject to restructuring agreements by loan type as of December 31, 2012 and December 31, 2011 (dollars in thousands).
|At December 31, 2012||At December 31, 2011|
|Troubled debt restructurings:|
|Real estate loans:|
|Commercial||$ 16,046||$ 21,785||$ 20,420||$ 13,389|
|One- to four-family residential||612||569||--||2,532|
|Construction and land||2,070||--||1,709||--|
|Home equity and lines of credit||96||356||102||--|
|Commercial and industrial||451||946||547||876|
|Total||$ 19,275||$ 25,697||$ 23,301||$ 18,349|
|Performing in accordance with restructured terms||82.96%||100.00%||82.34%||69.03%|
Loans 90 Days or More Past Due and Still Accruing and Other Real Estate Owned
Loans 90 days or more past due and still accruing increased $536,000 to $621,000 at December 31, 2012 from $85,000 at December 31, 2011. Loans 90 days or more past due and still accruing at December 31, 2012 are considered well-secured and in the process of collection.
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