M&F Bancorp Inc. announced earnings results for the year ended December 31, 2012. For the year, the company reported net interest income of $10,531,000 against $10,881,000 a year ago. Pre-tax net income was $457,000 against $747,000 a year ago.

Net income available to common stockholders totaled $104,000 or $0.05 per basic and diluted share and $370,000 or $0.18 per basic and diluted share during 2012 and 2011, respectively. Book value per share of common stock was $12.08 against $12.14 a year ago. Return on average assets was 0.03% against 0.12% a year ago.

Return on average stockholders' equity was 0.28% against 1.00% a year ago.