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SEGMENT INFORMATION (Tables)
 3 Months Ended
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