Community Bankers Trust Corporation reported unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2015. For the quarter, net interest income was $9,962,000 against $9,843,000 a year ago, representing an increase of $117,000, or 1.2%. The linked quarter increase was due primarily to interest and fees on loans, which increased $254,000, or 3.2%, as a result of increased loan volume in the fourth quarter of 2015.  Net income before income taxes was $2,918,000 against $2,932,000 a year ago. Net income available to common shareholders was $2,214,000 against $2,259,000 a year ago. Diluted EPS was $0.10 compared to $0.10 a year ago.

For the year, net interest income was $40,055,000 against $41,792,000 a year ago. This increase was driven by volume increases in loans, from an average balance of $646.0 million in the fourth quarter of 2014 to $711.8 million in the fourth quarter of 2015.  This resulted in an increase of $684,000 in interest and fees on loans in the fourth quarter of 2015 compared with the same period in 2014.  Net loss before income taxes was $5,124,000 against net income before income taxes of $10,244,000 a year ago. Net loss available to common shareholders was $2,497,000 against net income available to common shareholders of $7,269,000 a year ago. Diluted LPS was $0.11 compared to EPS of $0.33 a year ago.