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SEGMENT REPORTING
 12 Months Ended
Sep. 30, 2015
SEGMENT REPORTING [Abstract]  
SEGMENT REPORTING
NOTE 18.  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, a division of the Bank, which includes AFS/IBEX operates as a traditional community bank providing deposit, loan and other related products to individuals and small businesses, primarily in the communities where its offices are located. The second reportable segment, MPS, which includes Refund Advantage is also 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 Automated Teller Machines into the debit networks, credit programs, Automated Clearing House (“ACH”) origination services, gift card programs, rebate programs, travel programs and tax-related programs and services.  Other programs are in the process of development.  The remaining grouping under the caption “All Others” consists of the operations of the Company and inter-segment eliminations as well as specialty lending.
 
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
Banking
  
Meta Payment
Systems®
  
All Others
  
Total
 
         
Year Ended September 30, 2015
        
Interest income
 
$
33,980
  
$
21,590
  
$
6,037
  
$
61,607
 
Interest expense
  
1,675
   
169
   
543
   
2,387
 
Net interest income (expense)
  
32,305
   
21,421
   
5,494
   
59,220
 
Provision (recovery) for loan losses
  
1,000
   
-
   
465
   
1,465
 
Non-interest income
  
2,243
   
54,417
   
1,514
   
58,174
 
Non-interest expense
  
23,780
   
66,415
   
6,311
   
96,506
 
Income (loss) before income tax expense (benefit)
  
9,768
   
9,423
   
232
   
19,423
 
Income tax expense (benefit)
  
688
   
663
   
17
   
1,368
 
Net income (loss)
 
$
9,080
  
$
8,760
  
$
215
  
$
18,055
 
                 
Inter-segment revenue (expense)
 
$
(16,547
)
 
$
16,547
  
$
-
  
$
-
 
Total assets
  
840,177
   
1,579,856
   
109,672
   
2,529,705
 
Total deposits
  
242,580
   
1,424,304
   
(9,350
)
  
1,657,534
 

  
Retail
Banking
  
Meta Payment
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
Banking
  
Meta Payment
Systems®
  
All Others
  
Total
 
         
Year Ended September 30, 2014
        
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