Step 1: Sum of first \( n \) terms of an A.P. formula.
The sum of first \( n \) terms of an A.P. is given by:
\[
S_n = \frac{n}{2} \left( 2a + (n-1)d \right)
\]
where \( a \) is the first term and \( d \) is the common difference.
Step 2: Using the given conditions.
From the first condition, the sum of the first 4 terms is 6:
\[
S_4 = \frac{4}{2} \left( 2a + 3d \right) = 6 \quad \Rightarrow 2a + 3d = 6
\]
From the second condition, the sum of the first 6 terms is 4:
\[
S_6 = \frac{6}{2} \left( 2a + 5d \right) = 4 \quad \Rightarrow 2a + 5d = 4
\]
Step 3: Solving for \( a \) and \( d \).
Solving these two equations:
\[
2a + 3d = 6 \quad \text{(1)}
\]
\[
2a + 5d = 4 \quad \text{(2)}
\]
Subtract equation (1) from (2):
\[
(2a + 5d) - (2a + 3d) = 4 - 6
\]
\[
2d = -2 \quad \Rightarrow d = -1
\]
Substitute \( d = -1 \) into equation (1):
\[
2a + 3(-1) = 6 \quad \Rightarrow 2a - 3 = 6 \quad \Rightarrow 2a = 9 \quad \Rightarrow a = 4.5
\]
Step 4: Sum of the first 12 terms.
Now, the sum of the first 12 terms is:
\[
S_{12} = \frac{12}{2} \left( 2(4.5) + (12-1)(-1) \right) = 6 \left( 9 + 11(-1) \right) = 6 \times (-2) = -12
\]
Step 5: Conclusion.
Thus, the sum of the first 12 terms is \( -22 \).
Final Answer:
\[
\boxed{-22}
\]