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SEGMENT INFORMATION (Tables) | 9 Months Ended
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Jun. 30, 2015
SEGMENT INFORMATION [Abstract] |
Segment Information of Entity | The following tables present segment data for the Company for the three and nine months ended June 30, 2015 and 2014, respectively.
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 7,780 |  |  | $ | 5,667 |  |  | $ | 1,807 |  |  |  | 15,254 |
Interest expense |  |  | 393 |  |  |  | 47 |  |  |  | 153 |  |  |  | 593 |
Net interest income (expense) |  |  | 7,387 |  |  |  | 5,620 |  |  |  | 1,654 |  |  |  | 14,661 |
Provision (recovery) for loan losses |  |  | 600 |  |  |  | - |  |  |  | 100 |  |  |  | 700 |
Non-interest income |  |  | 1,227 |  |  |  | 13,808 |  |  |  | 389 |  |  |  | 15,424 |
Non-interest expense |  |  | 6,497 |  |  |  | 16,431 |  |  |  | 1,545 |  |  |  | 24,473 |
Income (loss) before income tax expense (benefit) |  |  | 1,517 |  |  |  | 2,997 |  |  |  | 398 |  |  |  | 4,912 |
Income tax expense (benefit) |  |  | 136 |  |  |  | 132 |  |  |  | 4 |  |  |  | 272 |
Net income (loss) |  | $ | 1,381 |  |  | $ | 2,865 |  |  | $ | 394 |  |  | $ | 4,640 |
Inter-segment revenue (expense) |  | $ | (4,126 | ) |  |  | 4,126 |  |  | $ | - |  |  | $ | - |
Total assets |  |  | 766,129 |  |  |  | 1,453,771 |  |  |  | 90,083 |  |  |  | 2,309,983 |
Total deposits |  |  | 224,982 |  |  |  | 1,294,757 |  |  |  | (6,532 | ) |  |  | 1,513,207 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Nine Months Ended June 30, 2015 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 25,096 |  |  | $ | 15,837 |  |  | $ | 4,311 |  |  | $ | 45,244 |
Interest expense |  |  | 1,181 |  |  |  | 138 |  |  |  | 408 |  |  |  | 1,727 |
Net interest income (expense) |  |  | 23,915 |  |  |  | 15,699 |  |  |  | 3,903 |  |  |  | 43,517 |
Provision (recovery) for loan losses |  |  | 1,000 |  |  |  | - |  |  |  | 341 |  |  |  | 1,341 |
Non-interest income |  |  | 1,546 |  |  |  | 40,468 |  |  |  | 1,054 |  |  |  | 43,068 |
Non-interest expense |  |  | 17,657 |  |  |  | 48,164 |  |  |  | 4,484 |  |  |  | 70,305 |
Income (loss) before income tax expense (benefit) |  |  | 6,804 |  |  |  | 8,003 |  |  |  | 132 |  |  |  | 14,939 |
Income tax expense (benefit) |  |  | 676 |  |  |  | 1,030 |  |  |  | (183 | ) |  |  | 1,523 |
Net income (loss) |  | $ | 6,128 |  |  | $ | 6,973 |  |  | $ | 315 |  |  | $ | 13,416 |
Inter-segment revenue (expense) |  | $ | (12,106 | ) |  | $ | 12,106 |  |  | $ | - |  |  | $ | - |
Total assets |  |  | 766,129 |  |  |  | 1,453,771 |  |  |  | 90,083 |  |  |  | 2,309,983 |
Total deposits |  |  | 224,982 |  |  |  | 1,294,757 |  |  |  | (6,532 | ) |  |  | 1,513,207 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Three Months Ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 8,223 |  |  | $ | 4,343 |  |  | $ | - |  |  | $ | 12,566 |
Interest expense |  |  | 499 |  |  |  | 27 |  |  |  | 112 |  |  |  | 638 |
Net interest income (expense) |  |  | 7,724 |  |  |  | 4,316 |  |  |  | (112 | ) |  |  | 11,928 |
Provision (recovery) for loan losses |  |  | 300 |  |  |  | - |  |  |  | - |  |  |  | 300 |
Non-interest income |  |  | 732 |  |  |  | 11,749 |  |  |  | - |  |  |  | 12,481 |
Non-interest expense |  |  | 4,852 |  |  |  | 13,904 |  |  |  | 81 |  |  |  | 18,837 |
Income (loss) before income tax expense (benefit) |  |  | 3,304 |  |  |  | 2,161 |  |  |  | (193 | ) |  |  | 5,272 |
Income tax expense (benefit) |  |  | 653 |  |  |  | 495 |  |  |  | (80 | ) |  |  | 1,068 |
Net income (loss) |  | $ | 2,651 |  |  | $ | 1,666 |  |  | $ | (113 | ) |  | $ | 4,204 |
Inter-segment revenue (expense) |  | $ | 2,976 |  |  |  | (2,976 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 678,116 |  |  |  | 1,241,967 |  |  |  | 3,250 |  |  |  | 1,923,333 |
Total deposits |  |  | 254,215 |  |  |  | 1,098,262 |  |  |  | (6,418 | ) |  |  | 1,346,059 |
|  | Retail Banking |  |  | Meta Payment Systems® |  |  | All Others |  |  | Total |
Nine Months Ended June 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |
Interest income |  | $ | 23,481 |  |  | $ | 12,309 |  |  | $ | - |  |  | $ | 35,790 |
Interest expense |  |  | 1,410 |  |  |  | 84 |  |  |  | 337 |  |  |  | 1,831 |
Net interest income (expense) |  |  | 22,071 |  |  |  | 12,225 |  |  |  | (337 | ) |  |  | 33,959 |
Provision (recovery) for loan losses |  |  | 600 |  |  |  | - |  |  |  | - |  |  |  | 600 |
Non-interest income |  |  | 2,540 |  |  |  | 36,591 |  |  |  | - |  |  |  | 39,131 |
Non-interest expense |  |  | 15,306 |  |  |  | 41,619 |  |  |  | 716 |  |  |  | 57,641 |
Income (loss) before income tax expense (benefit) |  |  | 8,705 |  |  |  | 7,197 |  |  |  | (1,053 | ) |  |  | 14,849 |
Income tax expense (benefit) |  |  | 1,489 |  |  |  | 1,400 |  |  |  | (389 | ) |  |  | 2,500 |
Net income (loss) |  | $ | 7,216 |  |  | $ | 5,797 |  |  | $ | (664 | ) |  | $ | 12,349 |
Inter-segment revenue (expense) |  | $ | 9,602 |  |  | $ | (9,602 | ) |  | $ | - |  |  | $ | - |
Total assets |  |  | 678,116 |  |  |  | 1,241,967 |  |  |  | 3,250 |  |  |  | 1,923,333 |
Total deposits |  |  | 254,215 |  |  |  | 1,098,262 |  |  |  | (6,418 | ) |  |  | 1,346,059 |
The following tables present gross profit data for MPS for the three and nine months ended June 30, 2015 and 2014.
Three Months Ended June 30, |  | 2015 |  |  | 2014 |
Interest income |  | $ | 5,667 |  |  | $ | 4,343 |
Interest expense |  |  | 47 |  |  |  | 27 |
Net interest income |  |  | 5,620 |  |  |  | 4,316 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |
Non-interest income |  |  | 13,808 |  |  |  | 11,749 |
Card processing expense |  |  | 3,863 |  |  |  | 3,843 |
Gross Profit |  |  | 15,565 |  |  |  | 12,222 |
Other non-interest expense |  |  | 12,568 |  |  |  | 10,061 |
Income (loss) before income tax expense (benefit) |  |  | 2,997 |  |  |  | 2,161 |
Income tax expense (benefit) |  |  | 132 |  |  |  | 495 |
Net Income (Loss) |  | $ | 2,865 |  |  | $ | 1,666 |
Nine Months Ended June 30, |  | 2015 |  |  | 2014 |
Interest income |  | $ | 15,837 |  |  | $ | 12,309 |
Interest expense |  |  | 138 |  |  |  | 84 |
Net interest income |  |  | 15,699 |  |  |  | 12,225 |
Provision (recovery) for loan losses |  |  | - |  |  |  | - |
Non-interest income |  |  | 40,468 |  |  |  | 36,591 |
Card processing expense |  |  | 12,358 |  |  |  | 11,643 |
Gross Profit |  |  | 43,809 |  |  |  | 37,173 |
Other non-interest expense |  |  | 35,806 |  |  |  | 29,976 |
Income (loss) before income tax expense (benefit) |  |  | 8,003 |  |  |  | 7,197 |
Income tax expense |  |  | 1,030 |  |  |  | 1,400 |
Net Income |  | $ | 6,973 |  |  | $ | 5,797 |

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