FDIC Certificate #: 32260 Status: Active Federal Reserve ID: 958473 Date Established: Febuary 24, 1920 WWW:http://www.wawelbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 2 (Domestic: 2, Interstate: No) OTS Docket #: 8063 FDIC's unique #: 45094 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: December 26, 1984 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 104 Main Ave, Wallington, NJ 7057 County: Bergen Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Jamesburg Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Bergen-Passaic, NJ (#875) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $98.3 mil Equity capital: $17.7 mil Deposits held in domestic offices: $76.7 mil Return on assets (ROA): 0.28% ($0.3 mil) Quarterly return on assets: 0.24% ($0.2 mil) Return on Equity (ROE): 1.50% ($0.3 mil) Quarterly return on equity: 1.33% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.31% ($304.7 mil) Quarterly Pretax return on assets: 0.15% ($147.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
22Total employees (full-time equivalent)
$98,278Total assets
$1,260Cash and due from depository institutions
$495Interest-bearing balances
$22,659Securities
$0Federal funds sold & reverse repurchase agreements
$62,249Net loans & leases
$776Loan loss allowance
$0Trading account assets
$6,176Bank premises and fixed assets
$259Other real estate owned
$0Goodwill and other intangibles
$98,278Life insurance assets
$5,675All other assets
$80,542Total liabilities and capital
$76,655Total liabilities
$68,242Total deposits
$76,655Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,965Trading liabilities
$0Other borrowed funds
$922Subordinated debt
$17,736All other liabilities
$17,736Total equity capital
$17,736Total bank equity capital
$0Perpetual preferred stock
$21Common stock
$8,263Surplus
$9,452Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,181Income earned, not collected on loans
$0Earning assets
$499Long-term assets (5+ years)
$85,403Average Assets, year-to-date
$0Average Assets, quarterly
$96,125Volatile liabilities
$97,769Insider loans
$67,528FHLB advances
$98,276Loans and leases held for sale
$3,609Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,735Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,891Restructured Loans and leases
$1,806Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,859Total interest income
$766Total interest expense
$4,093Net interest income
$520Provision for loan and lease losses
$312Total noninterest income
$0Fiduciary activities
$63Service charges on deposit accounts
$0Trading account gains & fees
$249Additional noninterest income
$3,630Total noninterest expense
$2,033Salaries and employee benefits
$548Premises and equipment expense
$1,049Additional noninterest expense
$255Pre-tax net operating income
$43Securities gains (losses)
$33Applicable income taxes
$265Income before extraordinary items
$0Extraordinary gains - net
$265Net income attributable to bank
$0Net charge-offs
$265Cash dividends
$478Sale, conversion, retirement of capital stock, net
$83Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.84%Yield on earning assets
0.92%Cost of funding earning assets
4.92%Net interest margin
0.38%Noninterest income to earning assets
4.36%Noninterest expense to earning assets
0.24%Net operating income to assets
0.28%Return on assets (ROA)
0.31%Pretax return on assets
1.50%Return on equity (ROE)
1.03%Retained earnings to average equity (YTD only)
0.75%Net charge-offs to loans
108.79%Credit loss provision to net charge-offs
1.62%Efficiency ratio
82,406Assets per employee
4.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.32%Loss allowance to loans
1.23%Loss allowance to noncurrent loans
12.55%Noncurrent assets plus other real estate owned to assets
6.55%Noncurrent loans to loans
9.81%Net loans and leases to deposits
81.21%Net loans and leases to core deposits
88.10%Equity capital to assets
18.05%Core capital (leverage) ratio
18.05%Tier 1 risk-based capital ratio
26.26%Total risk-based capital ratio
Memoranda
$27Average assets
$96,125Average earning assets
$17,642Average equity
$83,169Average loans
List of branches
2 New Jersey Branches as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45094
Wawel Bank
104 Main Ave, Wallington, NJ 7057
Febuary 24, 1920
Full Service Brick and Mortar
1
495859
River Dr Branch
935 River Dr, Garfield, NJ 7026
June 23, 2007
Full Service Brick and Mortar
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