In a water-bearing formation, the formation resistivity factor \( F \) is related to the porosity \( \phi \) by the equation:
\[
F = 0.9 \phi^{-2}
\]
The resistivity factor \( F \) can also be expressed using the formula:
\[
F = \frac{R_t}{R_0}
\]
where \( R_t \) is the resistivity of the formation and \( R_0 \) is the resistivity of the mud-filtrate. Given that \( R_t = 4.5 \, \Omega {m} \) and \( R_0 = 0.05 \, \Omega {m} \), we can calculate \( F \) as:
\[
F = \frac{4.5}{0.05} = 90
\]
Now, using the first equation for \( F \), we substitute \( F = 90 \) and solve for \( \phi \):
\[
90 = 0.9 \phi^{-2}
\]
Solving for \( \phi^{-2} \):
\[
\phi^{-2} = \frac{90}{0.9} = 100
\]
Taking the reciprocal to find \( \phi \):
\[
\phi = \frac{1}{\sqrt{100}} = 0.1
\]
Thus, the formation porosity \( \phi \) is 10.0%.