The Board of Directors of Crystal Valley Financial Corporation have approved a fourth quarter of 2014 dividend of $0.11 per share for shareholders with a record date of November 5, 2014 and a dividend payable date of November 18, 2014.

The company announced earnings results for the third quarter and nine months of 2014. For the quarter, net income was $1,157,000. These are very positive results when compare the results for 2014 versus 2013. With the positive trends of the corporation's asset quality in 2013, a $625,000 negative provision for loan loss was taken versus provisions for loan loss for 2014 of $50,000. This represents a positive earnings effect of $675,000 for 2014.

For the nine months, total income was $3,385,000.