SEGMENT REPORTING

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.

The Company reports its results of operations through the following three business segments: Payments, Banking, and Corporate Services/Other. The Meta Payment Systems and Tax Services divisions are reported in the Payments segment. The Community Banking, Commercial Finance and Consumer Finance divisions are reported in the Banking segment. Certain shared services, including the investment portfolio, wholesale deposits and borrowings, are included in Corporate Services/Other.



	Payments		Banking		Corporate Services/Other			Total
Year Ended September 30, 2018
Interest income	$	24,487	$	97,817	$	36,230		$	158,534
Interest expense	1,646		7,012		19,327			27,985
Net interest income	22,841		90,805		16,903			130,549
Provision for loan and lease losses	21,344		8,088		—			29,432
Non-interest income	176,250		13,950		(5,675		)	184,525
Non-interest expense	126,610		46,982		54,640			228,232
Income (loss) before income tax expense (benefit)	51,137		49,685		(43,412		)	57,410

Total assets	186,502		3,413,409		2,235,156			5,835,067
Total goodwill	87,145		216,125		—			303,270
Total deposits	2,412,986		746,003		1,271,998			4,430,987



	Payments		Banking		Corporate Services/Other			Total
Year Ended September 30, 2017
Interest income	$	13,845	$	52,231	$	42,027		$	108,103
Interest expense	503		2,723		11,647			14,873
Net interest income	13,342		49,508		30,380			93,230
Provision for loan losses	7,613		2,976		—			10,589
Non-interest income	165,707		4,685		1,780			172,172
Non-interest expense	132,984		24,520		42,159			199,663
Income (loss) before income tax expense (benefit)	38,452		26,697		(9,999		)	55,150

Total assets	185,521		1,343,968		3,698,843			5,228,332
Total goodwill	87,145		11,578		—			98,723
Total deposits	2,436,893		229,969		556,562			3,223,424



	Payments		Banking		Corporate Services/Other			Total
Year Ended September 30, 2016
Interest income	$	9,711	$	38,321	$	33,364		$	81,396
Interest expense	181		1,331		2,579			4,091
Net interest income	9,530		36,990		30,785			77,305
Provision for loan losses	971		3,634		—			4,605
Non-interest income	95,261		4,280		1,229			100,770
Non-interest expense	77,411		23,001		34,236			134,648
Income (loss) before income tax expense (benefit)	26,409		14,635		(2,222		)	38,822

Total assets	87,311		946,420		2,972,688			4,006,419
Total goodwill	25,350		11,578		—			36,928
Total deposits	2,131,042		299,030		10			2,430,082