Non-performing loans increased by $387,000 to $9.1 million at December 31, 2012 from $8.7 million at June 30, 2012 and decreased from $12.9 million at December 31, 2011.   Non-performing loans consisted of the following at the dates indicated: 

  December 31, 2012   June 30, 2012   December 31, 2011
  (In thousands)
Real estate:          
One-to-four family $ 2,116   $ 1,878   $ 3,519 
Multi-family --   --   --
Commercial 5,516 (1) --   4,097
Construction --   3,369   4,134
Land 73   109   23
Total real estate 7,705   5,356   11,773
           
Consumer:          
Home equity 247   159   348
Automobile 53   66   119
Credit cards 19   16   166
Other --   1   7
Total consumer 319   242   640
           
Business:          
Commercial business 1,085   3,124   484
           
Total $ 9,109   $ 8,722    $ 12,897 
  (1)     Represents a $5.5 million commercial real estate loan which is past due more than 90 days and still accruing interest.          

As of December 31, 2012, June 30, 2012, and December 31, 2011 there were 37, 30, and 31 loans, respectively, with aggregate net principal balances of $16.2 million, $15.1 million, and $17.2 million, respectively, that we have identified as "troubled debt restructures." At December 31, 2012, June 30, 2012, and December 31, 2011 there were $3.6 million, $1.2 million, and $2.0 million, respectively of "troubled debt restructures" included in the non- performing loans above. 

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