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SEGMENT INFORMATION (Tables) | 3 Months Ended
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Dec. 31, 2014
SEGMENT INFORMATION [Abstract] |
Segment Information of Entity | The following tables present segment data for the Company for the three months ended December 31, 2014 and 2013, respectively.
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended December 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 8,756 |  |  | $ | 4,889 |  |  | $ | 587 |  |  | $ | 14,232 |
Interest expense |  |  | 506 |  |  |  | 45 |  |  |  | 110 |  |  |  | 661 |
Net interest income (expense) |  |  | 8,250 |  |  |  | 4,844 |  |  |  | 477 |  |  |  | 13,571 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |  |  |  | 48 |  |  |  | 48 |
Non-interest income |  |  | (566 | ) |  |  | 13,052 |  |  |  | 188 |  |  |  | 12,674 |
Non-interest expense |  |  | 5,874 |  |  |  | 15,855 |  |  |  | 684 |  |  |  | 22,413 |
Income (loss) before income tax expense (benefit) |  |  | 1,810 |  |  |  | 2,041 |  |  |  | (67 | ) |  |  | 3,784 |
Income tax expense (benefit) |  |  | (93 | ) |  |  | 337 |  |  |  | (55 | ) |  |  | 189 |
Net income (loss) |  | $ | 1,903 |  |  | $ | 1,704 |  |  | $ | (12 | ) |  | $ | 3,595 |
Inter-segment revenue (expense) |  | $ | (3,896 | ) |  | $ | 3,896 |  |  | $ | - |  |  | $ | - |
Total assets |  |  | 308,613 |  |  |  | 1,706,134 |  |  |  | 93,315 |  |  |  | 2,108,063 |
Total deposits |  |  | 234,805 |  |  |  | 1,554,114 |  |  |  | (40 | ) |  |  | 1,788,879 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 7,462 |  |  | $ | 3,700 |  |  | $ | - |  |  | $ | 11,162 |
Interest expense |  |  | 509 |  |  |  | 26 |  |  |  | 114 |  |  |  | 649 |
Net interest income (expense) |  |  | 6,953 |  |  |  | 3,674 |  |  |  | (114 | ) |  |  | 10,513 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-interest income |  |  | 750 |  |  |  | 12,837 |  |  |  | - |  |  |  | 13,587 |
Non-interest expense |  |  | 4,832 |  |  |  | 13,727 |  |  |  | 502 |  |  |  | 19,061 |
Income (loss) before income tax expense (benefit) |  |  | 2,871 |  |  |  | 2,784 |  |  |  | (616 | ) |  |  | 5,039 |
Income tax expense (benefit) |  |  | 616 |  |  |  | 639 |  |  |  | (218 | ) |  |  | 1,037 |
Net income (loss) |  | $ | 2,255 |  |  | $ | 2,145 |  |  | $ | (398 | ) |  | $ | 4,002 |
Inter-segment revenue (expense) |  | $ | 3,216 |  |  | $ | (3,216 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 513,690 |  |  |  | 1,290,483 |  |  |  | 2,786 |  |  |  | 1,806,959 |
Total deposits |  |  | 238,422 |  |  |  | 1,150,964 |  |  |  | (8,252 | ) |  |  | 1,381,134 |
The following tables present gross profit data for MPS for the three months ended December 31, 2014 and 2013.
Three Months Ended December 31, |  | 2014 |  |  | 2013 |
Interest income |  | $ | 4,889 |  |  | $ | 3,700 |
Interest expense |  |  | 45 |  |  |  | 26 |
Net interest income |  |  | 4,844 |  |  |  | 3,674 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |
Non-interest income |  |  | 13,052 |  |  |  | 12,837 |
Card processing expense |  |  | 4,691 |  |  |  | 4,237 |
Gross Profit |  |  | 13,205 |  |  |  | 12,274 |
Other non-interest expense |  |  | 11,164 |  |  |  | 9,490 |
Income (loss) before income tax expense (benefit) |  |  | 2,041 |  |  |  | 2,784 |
Income tax expense (benefit) |  |  | 337 |  |  |  | 639 |
Net Income (Loss) |  | $ | 1,704 |  |  | $ | 2,145 |

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