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SEGMENT REPORTING
 12 Months Ended
Sep. 30, 2014
SEGMENT REPORTING [Abstract]  
SEGMENT REPORTING
NOTE 17.  SEGMENT REPORTING
 
An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker.  Operating segments are aggregated into reportable segments if certain criteria are met.  The Company has determined that it has two reportable segments.  The first reportable segment, Retail Banking, consists of its banking subsidiary, the Bank.  The Bank operates as a traditional community bank providing deposit, loan and other related products to individuals and small businesses, primarily in the communities where their offices are located.  The second reportable segment, MPS, is a division of the Bank.  MPS provides a number of products and services to financial institutions and other businesses.  These products and services include issuance of prepaid debit cards, sponsorship of ATMs into the debit networks, credit programs, Automated Clearing House (“ACH”) origination services, gift card programs, rebate programs, travel programs, and tax related programs.  The remaining grouping under the caption “All Others” consists of the operations of the Company and Meta Trust and inter-segment eliminations.
 
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