XML 29 R17.htm IDEA: XBRL DOCUMENT
v3.5.0.2

SEGMENT INFORMATION | 9 Months Ended
--- | ---
Jun. 30, 2016
Segment Reporting [Abstract] |
SEGMENT INFORMATION | 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 nine months ended June 30, 2016 and 2015, respectively.
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Three Months Ended June 30, 2016 |  |  |  |  |  |  |
Interest income | $ | 2,579 |  |  | $ | 9,759 |  |  | $ | 8,425 |  |  | $ | 20,763 |
Interest expense | 44 |  |  | 344 |  |  | 456 |  |  | 844 |
Net interest income (expense) | 2,535 |  |  | 9,415 |  |  | 7,969 |  |  | 19,919 |
Provision (recovery) for loan losses | 1 |  |  | 2,097 |  |  | — |  |  | 2,098 |
Non-interest income | 22,160 |  |  | 1,296 |  |  | 351 |  |  | 23,807 |
Non-interest expense | 16,231 |  |  | 5,347 |  |  | 10,049 |  |  | 31,627 |
Income (loss) before income tax expense (benefit) | 8,463 |  |  | 3,267 |  |  | (1,729 | ) |  | 10,001 |
Total assets | 48,203 |  |  | 860,493 |  |  | 2,235,470 |  |  | 3,144,166 |
Total deposits | 1,908,961 |  |  | 277,995 |  |  | — |  |  | 2,186,956 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Nine Months Ended June 30, 2016 |  |  |  |  |  |  |
Interest income | $ | 7,176 |  |  | $ | 27,559 |  |  | $ | 24,932 |  |  | $ | 59,667 |
Interest expense | 138 |  |  | 913 |  |  | 1,204 |  |  | 2,255 |
Net interest income (expense) | 7,038 |  |  | 26,646 |  |  | 23,728 |  |  | 57,412 |
Provision (recovery) for loan losses | 1,034 |  |  | 3,023 |  |  | — |  |  | 4,057 |
Non-interest income | 77,103 |  |  | 3,251 |  |  | 1,188 |  |  | 81,542 |
Non-interest expense | 57,968 |  |  | 15,993 |  |  | 29,464 |  |  | 103,425 |
Income (loss) before tax | 25,139 |  |  | 10,881 |  |  | (4,548 | ) |  | 31,472 |
Total assets | 48,203 |  |  | 860,493 |  |  | 2,235,470 |  |  | 3,144,166 |
Total deposits | 1,908,961 |  |  | 277,995 |  |  | — |  |  | 2,186,956 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Three Months Ended June 30, 2015 |  |  |  |  |  |  |
Interest income | $ | 1,814 |  |  | $ | 7,902 |  |  | $ | 5,538 |  |  | $ | 15,254 |
Interest expense | 47 |  |  | 401 |  |  | 145 |  |  | 593 |
Net interest income (expense) | 1,767 |  |  | 7,501 |  |  | 5,393 |  |  | 14,661 |
Provision (recovery) for loan losses | — |  |  | (436 | ) |  | 1,136 |  |  | 700 |
Non-interest income | 13,808 |  |  | 870 |  |  | 746 |  |  | 15,424 |
Non-interest expense | 11,744 |  |  | 4,487 |  |  | 8,242 |  |  | 24,473 |
Income (loss) before income tax expense (benefit) | 3,831 |  |  | 4,320 |  |  | (3,239 | ) |  | 4,912 |
Total assets | 42,069 |  |  | 652,676 |  |  | 1,615,238 |  |  | 2,309,983 |
Total deposits | 1,294,757 |  |  | 218,377 |  |  | 73 |  |  | 1,513,207 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Nine Months Ended June 30, 2015 |  |  |  |  |  |  |
Interest income | $ | 5,460 |  |  | $ | 22,852 |  |  | $ | 16,932 |  |  | $ | 45,244 |
Interest expense | 138 |  |  | 1,064 |  |  | 525 |  |  | 1,727 |
Net interest income (expense) | 5,322 |  |  | 21,788 |  |  | 16,407 |  |  | 43,517 |
Provision (recovery) for loan losses | — |  |  | 205 |  |  | 1,136 |  |  | 1,341 |
Non-interest income | 40,468 |  |  | 2,497 |  |  | 103 |  |  | 43,068 |
Non-interest expense | 34,905 |  |  | 13,097 |  |  | 22,303 |  |  | 70,305 |
Income (loss) before income tax expense (benefit) | 10,885 |  |  | 10,983 |  |  | (6,929 | ) |  | 14,939 |
Total assets | 42,069 |  |  | 652,676 |  |  | 1,615,238 |  |  | 2,309,983 |
Total deposits | 1,294,757 |  |  | 218,377 |  |  | 73 |  |  | 1,513,207 |

X
- References No definition available. + Details
Name: | us-gaap_SegmentReportingAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8981-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 41 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e9038-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8971-108599 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 12 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8595-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8380-108599 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 32 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8933-108599 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 26 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8844-108599 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 35 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8984-108599 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 40 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e9031-108599 Reference 10: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 42 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e9054-108599 Reference 11: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8538-108599 Reference 12: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8864-108599 Reference 13: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 31 -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e8924-108599 Reference 14: 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=51669610&loc=d3e8906-108599 + Details
Name: | us-gaap_SegmentReportingDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration