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
  Non-Accruing Accruing Non-Accruing Accruing
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  -- 
Multifamily  --   2,041  523  1,552
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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