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Wawel Bank

Garfield, NJ · Cert 32260

FDIC · 2 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wawel Bank

Garfield, NJ · Cert 32260

FDIC · 2 branches

Q4 2017

$73.4MAssets
$46.3MLoans
$66.5MDeposits
$6.5MEquity
Loan mix
97%RE $37.7M3%C&I $1.0M0%Consumer $0.1MQ4 2016Q4 2017
Deposit mix
79%Interest-bearing $52.7M21%Noninterest $13.7MQ4 2016Q4 2017

NIM

3.39%Q4 ’153.50%Q4 ’163.01%Q4 ’17+1%-18%

Non-interest income vs. expense

4.75%Q4 ’154.65%Q4 ’163.94%Q4 ’17-8%-11%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2017 SOD (annual) · 0.0% share · #188 of 210 inst. · $0.1B of $1816.5B

Executive Summary

  • Earnings: ROA of -1.20%, down 90 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.87% of loans (+87 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 8.90%, down 90 bps from a year ago.
  • Funding: loans stand at 69.64% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.20%-90 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-52 bps YoY

Efficiency Ratio (YTD, annualized)

143.44%+1,245 bps YoY

Tier 1 Leverage Ratio

8.90%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.30%-1.33%-1.38%-1.12%-1.20%-90 bps
Return on Equity-2.89%-13.58%-14.10%-11.57%-12.61%-971 bps
Net Interest Margin2.94%2.50%2.52%2.55%2.42%-52 bps
Efficiency Ratio130.99%148.43%150.20%139.23%143.44%+1,245 bps
Non-Interest Burden4.04%3.83%3.89%3.70%3.61%-43 bps
Growth
Asset Growth (YoY)4.08%1.65%-3.36%-1.72%-2.05%-613 bps
Loan Growth (YoY)-7.25%-6.82%-2.72%-5.07%-9.35%-210 bps
Deposit Growth (YoY)5.03%2.55%-2.54%-1.21%-0.92%-595 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.31%0.31%0.32%0.87%+87 bps
Net Charge-Offs / Loans-0.28%-0.07%-0.07%-0.08%-0.08%+20 bps
Allowance / Loans1.07%1.13%1.14%1.21%1.26%+19 bps
Allowance Coverage of NPLsn/a3.6x3.7x3.7x1.4xn/a
Capital
Tier 1 Leverage Ratio9.80%9.64%9.45%9.59%8.90%-90 bps
Total Risk-Based Capital17.43%17.27%16.86%17.04%16.51%-92 bps
Equity / Assets9.84%9.73%9.73%9.42%8.85%-98 bps
Liquidity & Funding
Loans / Deposits76.12%75.05%78.73%73.43%69.64%-648 bps
Liquid Assets / Assets12.06%12.22%12.78%16.59%19.01%+695 bps
CRE / Total Capitaln/an/an/an/an/an/an/a