River Valley Community Bank reported unaudited earnings results for the fourth quarter and full year ended December 31, 2009. For the quarter, the company reported after tax net income of $282,067. For the year, the company reported after tax net income of $667,565. Return on equity and return on assets also improved with each succeeding quarter to 7.21% and 1.05% respectively in the fourth quarter of 2009.

River Valley Community Bank announced unaudited earnings results for the third quarter ended September 30, 2009. For the quarter, the company reported income before taxes of $305,636 compared to the previous record of $203,265 set last quarter. After tax net income was $192,475, 25% higher than the $154,183 posted in the corresponding quarter a year ago when there was no tax provision. The record operating results were attributed to an improved Net Interest Margin, efficiency of operations, and balance sheet management in general.

River Valley Community Bank announced earnings results for the second quarter ended June 30, 2009. For the quarter, the company reported pretax earnings of $203,265 compared to $132 893 in the corresponding quarter a year ago and also surpassing the $196 270 previous record posted in the quarter ended December 31, 2008. After tax net profit was $130,738 compared to $132,892 a year ago; in the second quarter of 2008 there was no tax provision. The record results were achieved after fully providing for the FDIC special assessment levied to rebuild the deposit insurance fund and again providing $150 000 for Allowance for Loan and Lease Losses (ALLL) during the quarter as previously planned in view of the continued economic weakness. ALLL totals $835,459 and represents 2.33% of the loan portfolio.