However, the interest from expense rose from 65% to 121% by 2012.It is prudent to note that the profit ratio is seen to have increased from 0.056 to 0.072 and is an indicator that bank is self sustainable due to the earned profit. The provision rate of loans in VCC is seen to have gone down. This depict that solvency of the bank in situations of default would be prudent since the bank is at less riskier loans in the current year. This is clear when you look at the decreasing loan loss provision ratio (Rothaermel, 2013 p.A high loan to deposition ratio implies that in a case of liquid funds, the bank may undergo crisis. It is evident that the bank has gone through a loan deposition ratio increase as from 1.79 in 2010 to 2.08 in 2012. Liquidity condition of the bank has therefore become weaker with increasing time (Chouinard, 2006 p. The bank has also gone through adverse situation in the year before. The net assets of the bank underwent decline and this shows that advances amount have gone down within that one year time lapse. In the current years, the net non-interest has gone through a loss and the total depositions have decreased.With regards to profit analysis, the bank is not earning much as it is expected to be. The above data reveals so. In a situation of crisis, the bank would be at a crisis (Gimenez, Sierra and Rodon, 2012 p. In spite of it sustaining itself, it faces impending danger. Other competitors like Farmers Bank are not heavily affected as in the case of VCC. VCC is thus underperforming and must find mitigation measures to redress the issues at hand,Virginia Community Capital Inc works towards a better environment so that the community may thrive in a better place. The bank has embarked on environmental conservation awareness all over Virginia to make the people conscious of the environment. This has proved a success to some parts of Virginia. Aside from this, most of the times, the bank and its workers have organized charitable works that gear towards a healthy and clean environment such as town cleaning. The bank has also ensured that each year it carries’s tree planting activity to conserve Virginia’s soil and water catchment areas. This has boosted its relationship with the community (Rothaermel, 2013 p.VCC has also partnered with Virginia’s wild life to enhance its conservation. The bank invests a lot of money to ensure that the area’s precious wildlife is
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