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SEGMENT INFORMATION (Tables) | 6 Months Ended
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Mar. 31, 2015
SEGMENT INFORMATION [Abstract] |
Segment Information of Entity | The following tables present segment data for the Company for the three and six months ended March 31, 2015 and 2014, respectively.
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 8,560 |  |  | $ | 5,281 |  |  | $ | 1,918 |  |  |  | 15,759 |
Interest expense |  |  | 282 |  |  |  | 46 |  |  |  | 145 |  |  |  | 473 |
Net interest income (expense) |  |  | 8,278 |  |  |  | 5,235 |  |  |  | 1,773 |  |  |  | 15,286 |
Provision (recovery) for loan losses |  |  | 400 |  |  |  | - |  |  |  | 193 |  |  |  | 593 |
Non-interest income |  |  | 885 |  |  |  | 13,608 |  |  |  | 477 |  |  |  | 14,970 |
Non-interest expense |  |  | 5,286 |  |  |  | 15,878 |  |  |  | 2,256 |  |  |  | 23,420 |
Income (loss) before income tax expense (benefit) |  |  | 3,477 |  |  |  | 2,965 |  |  |  | (199 | ) |  |  | 6,243 |
Income tax expense (benefit) |  |  | 633 |  |  |  | 561 |  |  |  | (132 | ) |  |  | 1,062 |
Net income (loss) |  | $ | 2,844 |  |  | $ | 2,404 |  |  | $ | (67 | ) |  | $ | 5,181 |
Inter-segment revenue (expense) |  | $ | (4,084 | ) |  |  | 4,084 |  |  | $ | - |  |  | $ | - |
Total assets |  |  | 478,295 |  |  |  | 1,693,538 |  |  |  | 103,259 |  |  |  | 2,275,092 |
Total deposits |  |  | 204,728 |  |  |  | 1,533,716 |  |  |  | (7,772 | ) |  |  | 1,730,672 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Six Months Ended March 31, 2015 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 17,316 |  |  | $ | 10,170 |  |  | $ | 2,505 |  |  | $ | 29,991 |
Interest expense |  |  | 788 |  |  |  | 91 |  |  |  | 255 |  |  |  | 1,134 |
Net interest income (expense) |  |  | 16,528 |  |  |  | 10,079 |  |  |  | 2,250 |  |  |  | 28,857 |
Provision (recovery) for loan losses |  |  | 400 |  |  |  | - |  |  |  | 241 |  |  |  | 641 |
Non-interest income |  |  | 319 |  |  |  | 26,660 |  |  |  | 665 |  |  |  | 27,644 |
Non-interest expense |  |  | 11,160 |  |  |  | 31,733 |  |  |  | 2,940 |  |  |  | 45,833 |
Income (loss) before income tax expense (benefit) |  |  | 5,287 |  |  |  | 5,006 |  |  |  | (266 | ) |  |  | 10,027 |
Income tax expense (benefit) |  |  | 540 |  |  |  | 898 |  |  |  | (187 | ) |  |  | 1,251 |
Net income (loss) |  | $ | 4,747 |  |  | $ | 4,108 |  |  | $ | (79 | ) |  | $ | 8,776 |
Inter-segment revenue (expense) |  | $ | (7,980 | ) |  | $ | 7,980 |  |  | $ | - |  |  | $ | - |
Total assets |  |  | 478,295 |  |  |  | 1,693,538 |  |  |  | 103,259 |  |  |  | 2,275,092 |
Total deposits |  |  | 204,728 |  |  |  | 1,533,716 |  |  |  | (7,772 | ) |  |  | 1,730,672 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 7,797 |  |  | $ | 4,266 |  |  | $ | - |  |  | $ | 12,063 |
Interest expense |  |  | 402 |  |  |  | 31 |  |  |  | 111 |  |  |  | 544 |
Net interest income (expense) |  |  | 7,395 |  |  |  | 4,235 |  |  |  | (111 | ) |  |  | 11,519 |
Provision (recovery) for loan losses |  |  | 300 |  |  |  | - |  |  |  | - |  |  |  | 300 |
Non-interest income |  |  | 1,058 |  |  |  | 12,005 |  |  |  | - |  |  |  | 13,063 |
Non-interest expense |  |  | 5,622 |  |  |  | 13,988 |  |  |  | 133 |  |  |  | 19,743 |
Income (loss) before income tax expense (benefit) |  |  | 2,531 |  |  |  | 2,252 |  |  |  | (244 | ) |  |  | 4,539 |
Income tax expense (benefit) |  |  | 220 |  |  |  | 266 |  |  |  | (91 | ) |  |  | 395 |
Net income (loss) |  | $ | 2,311 |  |  | $ | 1,986 |  |  | $ | (153 | ) |  | $ | 4,144 |
Inter-segment revenue (expense) |  | $ | 3,410 |  |  | $ | (3,410 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 459,500 |  |  |  | 1,427,772 |  |  |  | 3,285 |  |  |  | 1,890,557 |
Total deposits |  |  | 210,032 |  |  |  | 1,292,438 |  |  |  | (7,310 | ) |  |  | 1,495,160 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Six Months Ended March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 15,259 |  |  | $ | 7,966 |  |  | $ | - |  |  | $ | 23,225 |
Interest expense |  |  | 911 |  |  |  | 57 |  |  |  | 225 |  |  |  | 1,193 |
Net interest income (expense) |  |  | 14,348 |  |  |  | 7,909 |  |  |  | (225 | ) |  |  | 22,032 |
Provision (recovery) for loan losses |  |  | 300 |  |  |  | - |  |  |  | - |  |  |  | 300 |
Non-interest income |  |  | 1,808 |  |  |  | 24,842 |  |  |  | - |  |  |  | 26,650 |
Non-interest expense |  |  | 10,454 |  |  |  | 27,715 |  |  |  | 635 |  |  |  | 38,804 |
Income (loss) before income tax expense (benefit) |  |  | 5,402 |  |  |  | 5,036 |  |  |  | (860 | ) |  |  | 9,578 |
Income tax expense (benefit) |  |  | 836 |  |  |  | 905 |  |  |  | (309 | ) |  |  | 1,432 |
Net income (loss) |  | $ | 4,566 |  |  | $ | 4,131 |  |  | $ | (551 | ) |  | $ | 8,146 |
Inter-segment revenue (expense) |  | $ | 6,626 |  |  | $ | (6,626 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 459,500 |  |  |  | 1,427,772 |  |  |  | 3,285 |  |  |  | 1,890,557 |
Total deposits |  |  | 210,032 |  |  |  | 1,292,438 |  |  |  | (7,310 | ) |  |  | 1,495,160 |
The following tables present gross profit data for MPS for the three and six months ended March 31, 2015 and 2014.
Three Months Ended March 31, |  | 2015 |  |  | 2014 |
Interest income |  | $ | 5,281 |  |  | $ | 4,266 |
Interest expense |  |  | 46 |  |  |  | 31 |
Net interest income |  |  | 5,235 |  |  |  | 4,235 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |
Non-interest income |  |  | 13,608 |  |  |  | 12,005 |
Card processing expense |  |  | 3,804 |  |  |  | 3,563 |
Gross Profit |  |  | 15,039 |  |  |  | 12,677 |
Other non-interest expense |  |  | 12,074 |  |  |  | 10,425 |
Income (loss) before income tax expense (benefit) |  |  | 2,965 |  |  |  | 2,252 |
Income tax expense (benefit) |  |  | 561 |  |  |  | 266 |
Net Income (Loss) |  | $ | 2,404 |  |  | $ | 1,986 |
Six Months Ended March 31, |  | 2015 |  |  | 2014 |
Interest income |  | $ | 10,170 |  |  | $ | 7,966 |
Interest expense |  |  | 91 |  |  |  | 57 |
Net interest income |  |  | 10,079 |  |  |  | 7,909 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |
Non-interest income |  |  | 26,660 |  |  |  | 24,842 |
Card processing expense |  |  | 8,495 |  |  |  | 7,800 |
Gross Profit |  |  | 28,244 |  |  |  | 24,951 |
Other non-interest expense |  |  | 23,238 |  |  |  | 19,915 |
Income (loss) before income tax expense (benefit) |  |  | 5,006 |  |  |  | 5,036 |
Income tax expense |  |  | 898 |  |  |  | 905 |
Net Income |  | $ | 4,108 |  |  | $ | 4,131 |

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- 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. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599 + Details
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