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SEGMENT REPORTING (Tables) | 12 Months Ended
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Sep. 30, 2014
SEGMENT REPORTING [Abstract] |
Segment Information of Entity | Transactions between affiliates, the resulting revenues of which are shown in the intersegment revenue category, are conducted at market prices, meaning prices that would be paid if the companies were not affiliates.
|  | Retail |  |  | Meta Payment |  |  |  |  |  |  |
|  | Banking |  |  | Systems® |  |  | All Others |  |  | Total |
Year Ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 31,635 |  |  | $ | 17,025 |  |  | $ | - |  |  | $ | 48,660 |
Interest expense |  |  | 1,926 |  |  |  | 124 |  |  |  | 348 |  |  |  | 2,398 |
Net interest income (expense) |  |  | 29,709 |  |  |  | 16,901 |  |  |  | (348 | ) |  |  | 46,262 |
Provision (recovery) for loan losses |  |  | 1,150 |  |  |  | - |  |  |  | - |  |  |  | 1,150 |
Non-interest income |  |  | 3,214 |  |  |  | 48,524 |  |  |  | - |  |  |  | 51,738 |
Non-interest expense |  |  | 21,227 |  |  |  | 56,234 |  |  |  | 770 |  |  |  | 78,231 |
Income (loss) before income tax expense (benefit) |  |  | 10,546 |  |  |  | 9,191 |  |  |  | (1,118 | ) |  |  | 18,619 |
Income tax expense (benefit) |  |  | 1,846 |  |  |  | 1,482 |  |  |  | (422 | ) |  |  | 2,906 |
Net income (loss) |  | $ | 8,700 |  |  | $ | 7,709 |  |  | $ | (696 | ) |  | $ | 15,713 |
Inter-segment revenue (expense) |  | $ | 12,793 |  |  | $ | (12,793 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 805,494 |  |  |  | 1,245,110 |  |  |  | 3,427 |  |  |  | 2,054,031 |
Total deposits |  |  | 273,399 |  |  |  | 1,099,548 |  |  |  | (6,406 | ) |  |  | 1,366,541 |
|  | Retail |  |  | Meta Payment |  |  |  |  |  |  |
|  | Banking |  |  | Systems® |  |  | All Others |  |  | Total |
|  |  |  |  | (Dollars in Thousands) |  |  |  |
Year Ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 24,169 |  |  | $ | 14,807 |  |  | $ | - |  |  | $ | 38,976 |
Interest expense |  |  | 2,361 |  |  |  | 124 |  |  |  | 469 |  |  |  | 2,954 |
Net interest income (expense) |  |  | 21,808 |  |  |  | 14,683 |  |  |  | (469 | ) |  |  | 36,022 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-interest income |  |  | 5,226 |  |  |  | 50,290 |  |  |  | (13 | ) |  |  | 55,503 |
Non-interest expense |  |  | 19,479 |  |  |  | 53,983 |  |  |  | 941 |  |  |  | 74,403 |
Income (loss) before income tax expense (benefit) |  |  | 7,555 |  |  |  | 10,990 |  |  |  | (1,423 | ) |  |  | 17,122 |
Income tax expense (benefit) |  |  | 1,615 |  |  |  | 2,611 |  |  |  | (522 | ) |  |  | 3,704 |
Net income (loss) |  | $ | 5,940 |  |  | $ | 8,379 |  |  | $ | (901 | ) |  | $ | 13,418 |
Inter-segment revenue (expense) |  | $ | 12,106 |  |  | $ | (12,106 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 487,754 |  |  |  | 1,201,531 |  |  |  | 2,704 |  |  |  | 1,691,989 |
Total deposits |  |  | 260,525 |  |  |  | 1,063,770 |  |  |  | (9,012 | ) |  |  | 1,315,283 |
|  | Retail |  |  | Meta Payment |  |  |  |  |  |  |
|  | Banking |  |  | Systems® |  |  | All Others |  |  | Total |
|  |  |  |  | (Dollars in Thousands) |  |  |  |
Year Ended September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 24,856 |  |  | $ | 12,441 |  |  | $ | - |  |  | $ | 37,297 |
Interest expense |  |  | 2,877 |  |  |  | 204 |  |  |  | 482 |  |  |  | 3,563 |
Net interest income (expense) |  |  | 21,979 |  |  |  | 12,237 |  |  |  | (482 | ) |  |  | 33,734 |
Provision (recovery) for loan losses |  |  | 1,050 |  |  |  | (1 | ) |  |  | - |  |  |  | 1,049 |
Non-interest income |  |  | 16,592 |  |  |  | 52,957 |  |  |  | 25 |  |  |  | 69,574 |
Non-interest expense |  |  | 20,569 |  |  |  | 54,686 |  |  |  | 208 |  |  |  | 75,463 |
Income (loss) before tax |  |  | 16,952 |  |  |  | 10,509 |  |  |  | (665 | ) |  |  | 26,796 |
Income tax expense (benefit) |  |  | 5,963 |  |  |  | 3,993 |  |  |  | (274 | ) |  |  | 9,682 |
Net income (loss) |  | $ | 10,989 |  |  | $ | 6,516 |  |  | $ | (391 | ) |  | $ | 17,114 |
Inter-segment revenue (expense) |  | $ | 11,603 |  |  | $ | (11,603 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 418,137 |  |  |  | 1,230,925 |  |  |  | 1,936 |  |  |  | 1,650,998 |
Total deposits |  |  | 216,912 |  |  |  | 1,167,364 |  |  |  | (4,482 | ) |  |  | 1,379,794 |
The following tables present gross profit data for MPS for the years ended September 30, 2014, 2013 and 2012, respectively.
Year Ended September 30, |  | 2014 |  |  | 2013 |  |  | 2012 |
Interest income |  | $ | 17,025 |  |  | $ | 14,807 |  |  | $ | 12,441 |
Interest expense |  |  | 124 |  |  |  | 124 |  |  |  | 204 |
Net interest income |  |  | 16,901 |  |  |  | 14,683 |  |  |  | 12,237 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |  |  |  | (1 | )
Non-interest income |  |  | 48,524 |  |  |  | 50,290 |  |  |  | 52,957 |
Card processing expense |  |  | 15,457 |  |  |  | 15,546 |  |  |  | 17,323 |
Gross Profit |  |  | 49,968 |  |  |  | 49,427 |  |  |  | 47,872 |
Other non-interest expense |  |  | 40,777 |  |  |  | 38,437 |  |  |  | 37,363 |
Income (loss) before income tax expense (benefit) |  |  | 9,191 |  |  |  | 10,990 |  |  |  | 10,509 |
Income tax expense |  |  | 1,482 |  |  |  | 2,611 |  |  |  | 3,993 |
Net Income |  | $ | 7,709 |  |  | $ | 8,379 |  |  | $ | 6,516 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599 + Details
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