SEGMENT REPORTING (Tables)

12 Months Ended

Sep. 30, 2014

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

- 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.

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