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WVS Financial Corp. Balance Sheet 2021-2009 | WVFC
Brief overview of WVS Financial Corp.'s balance sheet strength
The review uses the five latest available annual reports between 2017 and 2021.
Assets shifted from $351.6 million to $346.1 million, leaving five-period growth close to stagnation.
Asset and liability trends were close, at -1.6% and -3.4%. Expansion did not materially reshape funding sources.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 11.1% of assets versus 9.4% initially.
Accumulated earnings ended at $47.2 million, a change of +14.1%. They remain an important part of the capital base.
What the balance sheet shows
WVS Financial Corp. has a workable but not unconditionally strong balance sheet. Resilience depends on sustained earnings and liability control.
Annual Balance Sheet WVS Financial Corp.
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | 97.5 M | 95.6 M | - | 13.8 M | 13.8 M | 114 M | 110 M | 15.6 M | 94.3 M | 52.6 M | - | - |
Long Term Debt |
- | 100 M | 100 M | - | 16.1 M | 16.1 M | 118 M | 112 M | 17.5 M | 96.8 M | 54.6 M | - | - |
Total Liabilities |
308 M | 320 M | 320 M | 318 M | 319 M | 303 M | 298 M | 278 M | 256 M | 243 M | 200 M | - | - |
Retained Earnings |
47.2 M | 46.6 M | 44.8 M | 42.8 M | 41.3 M | 40.2 M | 39.4 M | 38.3 M | 37.7 M | 37 M | 35.9 M | - | - |
Total Assets |
346 M | 357 M | 356 M | 352 M | 352 M | 336 M | 330 M | 310 M | 288 M | 273 M | 229 M | - | - |
Cash and Cash Equivalents |
2.55 M | 2.5 M | 4.38 M | 2.44 M | 2.27 M | 2.34 M | 3.57 M | 1.36 M | 1.93 M | 2.51 M | 1.96 M | 2.2 M | 21.8 M |
Book Value |
38.4 M | 36.9 M | 36 M | 34 M | 33 M | 33.1 M | 32 M | 31.8 M | 31.8 M | 30.4 M | 28.9 M | - | - |
Total Shareholders Equity |
38.4 M | 36.9 M | 36 M | 34 M | 33 M | 33.1 M | 32 M | 31.8 M | 31.8 M | 30.4 M | 28.9 M | 27.8 M | 31.1 M |
All numbers in USD currency
Quarterly Balance Sheet WVS Financial Corp.
| 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
- | - | - | 331 M | 317 M | 331 M | 317 M | 313 M | 279 M | 342 M | 318 M | 322 M | 318 M | 321 M | 316 M | 315 M | 316 M | 322 M | 322 M | 318 M | 322 M | 311 M | 307 M | 323 M | 307 M | 306 M | 298 M | 302 M | 298 M | 289 M | 263 M | 285 M | 263 M | 285 M | 282 M | 264 M | 282 M | 237 M | 223 M | 266 M | 223 M | 277 M | 224 M | 193 M | 224 M | 193 M | 200 M | 200 M |
Retained Earnings |
- | - | - | 47.6 M | 47.4 M | 47.6 M | 47.4 M | 47.3 M | 47 M | 46.4 M | 46 M | 45.4 M | 46 M | 44.5 M | 43.9 M | 43.4 M | 43.9 M | 42.5 M | 42 M | 42.8 M | 42 M | 41.1 M | 40.8 M | 41.7 M | 40.8 M | 40 M | 39.7 M | 39.6 M | 39.7 M | 39.1 M | 38.7 M | 38.6 M | 38.7 M | 38.1 M | 38 M | 37.9 M | 38 M | 37.6 M | 37.5 M | 37.3 M | 37.5 M | 36.7 M | 36.4 M | 36.2 M | 36.4 M | 36.2 M | 35.9 M | 35.9 M |
Total Assets |
- | - | - | 369 M | 356 M | 369 M | 356 M | 351 M | 317 M | 374 M | 355 M | 359 M | 355 M | 356 M | 349 M | 350 M | 349 M | 356 M | 356 M | 352 M | 356 M | 345 M | 340 M | 356 M | 340 M | 338 M | 330 M | 334 M | 330 M | 321 M | 295 M | 317 M | 295 M | 317 M | 314 M | 296 M | 314 M | 269 M | 255 M | 297 M | 255 M | 307 M | 254 M | 222 M | 254 M | 222 M | 229 M | 229 M |
Cash and Cash Equivalents |
- | - | - | 3.32 M | 2.95 M | 3.32 M | 2.95 M | 2.43 M | 3.29 M | 2.37 M | 3.04 M | 7.31 M | 3.04 M | 4.2 M | 3.63 M | 5.92 M | 3.63 M | 6.86 M | 8.52 M | 5.92 M | 8.52 M | 2.81 M | 2.39 M | 7.63 M | 2.39 M | 1.9 M | 2.87 M | 1.97 M | 2.87 M | 2.5 M | 2.26 M | 1.53 M | 2.26 M | 1.46 M | 1.82 M | 2.47 M | 1.82 M | 2.05 M | 2.1 M | 2.56 M | 2.1 M | 3.72 M | 2.24 M | 6.44 M | 2.24 M | 6.44 M | 2.24 M | 6.44 M |
Book Value |
- | - | - | 37.7 M | 38.2 M | 37.7 M | 38.2 M | 38.4 M | 38.4 M | 32.3 M | 37.5 M | 36.6 M | 37.5 M | 35.3 M | 33.4 M | 34.7 M | 33.4 M | 34.2 M | 33.9 M | 34 M | 33.9 M | 33.7 M | 33.3 M | 33.5 M | 33.3 M | 32.8 M | 32.3 M | 32.3 M | 32.3 M | 32.1 M | 31.8 M | 31.8 M | 31.8 M | 32.5 M | 32.3 M | 32.1 M | 32.3 M | 31.8 M | 31.6 M | 31.1 M | 31.6 M | 30 M | 29.4 M | 29.1 M | 29.4 M | 29.1 M | 28.9 M | 28.9 M |
Total Shareholders Equity |
- | - | - | 37.7 M | 38.2 M | 37.7 M | 38.2 M | 38.4 M | 38.4 M | 32.3 M | 37.5 M | 36.6 M | 37.5 M | 35.3 M | 33.4 M | 34.7 M | 33.4 M | 34.2 M | 33.9 M | 34.7 M | 33.9 M | 33.7 M | 33.3 M | 33.5 M | 33.3 M | 32.8 M | 32.3 M | 32.3 M | 32.3 M | 32.1 M | 31.8 M | 31.8 M | 31.8 M | 32.5 M | 32.3 M | 32.1 M | 32.3 M | 31.8 M | 31.6 M | 31.1 M | 31.6 M | 30 M | 29.4 M | 29.1 M | 29.4 M | 29.1 M | 28.9 M | 28.9 M |
All numbers in USD currency
Balance Sheet is a fundamental financial report of WVS Financial Corp., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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