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SEGMENT INFORMATION
 6 Months Ended
Mar. 31, 2016
SEGMENT INFORMATION [Abstract]  
SEGMENT INFORMATION
NOTE 8.SEGMENT INFORMATION

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.

In the Annual Report on Form 10-K for the year ended September 30, 2015, the Company reported its results of operations through three business segments: Meta Payment Systems, Retail Bank, and Other.  Effective October 1, 2015, segments are now aligned with the new management operating structure implemented by the Company for fiscal year 2016.  The Company accordingly has changed its basis of presentation for segments, and following such change, reports its results of operations through the following three business segments: Payments, Banking, and Corporate Services/Other.  Certain shared services, including the investment portfolio, which was included in the former Retail Bank segment, is now included in Corporate Services/Other.  AFS/IBEX and Refund Advantage were previously and are currently included in the Banking and Payments segments, respectively.  Prior periods have been reclassified to conform to the current period presentation.
 
The following tables present segment data for the Company for the three and six months ended March 31, 2016 and 2015, respectively.

 
 
Payments
  
Banking
  
Corporate
Services/Other
  
Total
 
             
Three Months Ended March 31, 2016
            
Interest income
 
$
2,633
  
$
8,949
  
$
9,047
  
$
20,629
 
Interest expense
  
54
   
316
   
321
   
691
 
Net interest income (expense)
  
2,579
   
8,633
   
8,726
   
19,938
 
Provision (recovery) for loan losses
  
953
   
220
   
-
   
1,173
 
Non-interest income
  
39,591
   
899
   
411
   
40,901
 
Non-interest expense
  
25,720
   
5,218
   
10,852
   
41,790
 
Income (loss) before income tax expense (benefit)
  
15,497
   
4,094
   
(1,715
)
  
17,876
 
                 
Total assets
  
53,020
   
781,380
   
2,237,342
   
3,071,742
 
Total deposits
  
2,014,548
   
206,213
   
-
   
2,220,761
 

  
Payments
  
Banking
  
Corporate
Services/Other
  
Total
 
             
Six Months Ended March 31, 2016
            
Interest income
 
$
4,597
  
$
17,800
  
$
16,507
  
$
38,904
 
Interest expense
  
94
   
569
   
748
   
1,411
 
Net interest income (expense)
  
4,503
   
17,231
   
15,759
   
37,493
 
Provision (recovery) for loan losses
  
1,033
   
926
   
-
   
1,959
 
Non-interest income
  
54,943
   
1,955
   
837
   
57,735
 
Non-interest expense
  
41,737
   
10,646
   
19,415
   
71,798
 
Income (loss) before tax
  
16,676
   
7,614
   
(2,819
)
  
21,471
 
                 
Total assets
  
53,020
   
781,380
   
2,237,342
   
3,071,742
 
Total deposits
  
2,014,548
   
206,213
   
-
   
2,220,761
 

  
Payments
  
Banking
  
Corporate
Services/Other
  
Total
 
             
Three Months Ended March 31, 2015
            
Interest income
 
$
2,079
  
$
8,009
  
$
5,671
  
$
15,759
 
Interest expense
  
46
   
384
   
43
   
473
 
Net interest income (expense)
  
2,033
   
7,625
   
5,628
   
15,286
 
Provision (recovery) for loan losses
  
-
   
593
   
-
   
593
 
Non-interest income
  
13,608
   
1,048
   
314
   
14,970
 
Non-interest expense
  
11,488
   
4,917
   
7,015
   
23,420
 
Income (loss) before income tax expense (benefit)
  
4,153
   
3,163
   
(1,073
)
  
6,243
 
                 
Total assets
  
39,498
   
636,749
   
1,598,845
   
2,275,092
 
Total deposits
  
1,533,716
   
196,920
   
36
   
1,730,672
 
 
  
Payments
  
Banking
  
Corporate
Services/Other
  
Total
 
             
Six Months Ended March 31, 2015
            
Interest income
 
$
3,646
  
$
14,950
  
$
11,395
  
$
29,991
 
Interest expense
  
91
   
663
   
380
   
1,134
 
Net interest income (expense)
  
3,555
   
14,287
   
11,015
   
28,857
 
Provision (recovery) for loan losses
  
-
   
641
   
-
   
641
 
Non-interest income
  
26,660
   
1,627
   
(643
)
  
27,644
 
Non-interest expense
  
23,161
   
8,610
   
14,062
   
45,833
 
Income (loss) before income tax expense (benefit)
  
7,054
   
6,663
   
(3,690
)
  
10,027
 
                 
Total assets
  
39,498
   
636,749
   
1,598,845
   
2,275,092
 
Total deposits
  
1,533,716
   
196,920
   
36
   
1,730,672