Add flours and baking powder. Stir in vanilla. Slice bananas and add to mixture.
Coat a large, non-stick frying pan or griddle with non-stick cooking spray. Warm the pan over medium heat for 2 minutes.
Spoon 1/4 cup of the batter onto the heated griddle for each pancake (adjust more or less depending on pancake size).
Cook until the tops are bubbly and the pancakes are dry around the edges. Flip and cook for 2-3 minutes or until golden on both sides. Place pancakes on a platter and keep warm.
Repeat until batter has been used, using more non-stick cooking spray as needed.
Combine apples with the sugar, cinnamon, nutmeg and water.
Cook in skillet for 10 minutes and spoon on top of pancakes.
