M&F Bancorp Inc. reported earnings results for the second quarter and half year ended June 30, 2016. The company reported net income for the second quarter of 2016 of $50,000 compared to $318,000 for the second quarter of 2015, a decrease of $268,000. Net loss available to common shareholders for the second quarter of 2016 was $9,000 compared to net income available to common stockholders of $259,000 for the second quarter of 2015, a decrease of $268,000. Diluted income per common share decreased $0.13 to none for the second quarter of 2016 compared to $0.13 in the second quarter of 2015. Loan revenue was $2.2 million, down from $2.5 million a year ago. The company produced net interest income of $2.2 million during the three months ended June 30, 2016, which was down $259,000 from the $2.5 million generated for the same period of 2015. Interest income decreased $236,000 or 8.90% to $2.4 million for the three months ended June 30, 2016 as compared to the same period of the prior year. The company recorded a net loss for the six months ended June 30, 2016 of $31,000 compared to net income of $149,000 for the same period of 2015, a decrease of $180,000. Net loss available to common shareholders for the six months ended June 30, 2016 was $148,000 compared to net income available to commons stockholders of $32,000 for the same period of 2015, a decrease of $180,000. Diluted loss per common share was $0.07 compared to diluted EPS of $0.02 in the same period of 2015. The company produced net interest income of $4.5 million during the six months ended June 30, 2016, which was $372,000 lower than the $4.9 million generated for the same time of 2015. The decrease was primarily caused by lower interest income, which decreased $342,000 or approximately 6.54% to $4.9 million for the six months ended June 30, 2016 as compared to the same period of the prior year.