River Valley Community Bank reported unaudited earnings results for the year 2013. For the period the company earned $1,246,480 after tax or $0.72 basic earnings per share for 2013 compared to $1,451,065 or $0.85 per share earned in 2012. Net Interest Income (NII) dropped 4% in 2013 to $4,430,029 as earning assets continued to re price downward more rapidly than deposit rates; the Net Interest Margin (NIM) was 3.17%, down from 3.52% in 2012.

The lower NII and NIM, also, in large part, resulted from a conscious plan to further reduce interest rate risk in anticipation of a rising rate environment ahead. For the year, the Bank's Return on Average Assets, Return on Shareholder Equity, and Efficiency Ratio were 0.81%, 6.35%, and 66.72% respectively.