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SEGMENT INFORMATION | 9 Months Ended
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Jun. 30, 2018
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. The Company reports its results of operations through the following three business segments: Payments, Banking, and Corporate Services/Other. Meta Payments Systems ("MPS"), Refund Advantage, EPS Financial ("EPS"), SCS, and other tax businesses are reported in the Payments segment. Community Banking and the Company's other lending divisions are reported in the Banking segment. Certain shared services, including the investment portfolio, wholesale deposits and borrowings, are included in Corporate Services/Other. The Company reclassified goodwill, intangibles, related intangible amortization expense, and certain acquisition related expenses during fiscal year 2017 from the Corporate Services / Other segment to Payments and Banking based on how annual impairment testing is performed. Prior period amounts have also been reclassified to conform to the current year presentation. The following tables present segment data for the Company for the three and nine months ended June 30, 2018 and 2017, respectively.
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Three Months Ended June 30, 2018 |  |  |  |  |  |  |
Interest income | $ | 6,298 |  |  | $ | 19,085 |  |  | $ | 8,721 |  |  | $ | 34,104 |
Interest expense | — |  |  | 1,008 |  |  | 4,685 |  |  | 5,693 |
Net interest income | 6,298 |  |  | 18,077 |  |  | 4,036 |  |  | 28,411 |
Provision for loan losses | 1,189 |  |  | 4,126 |  |  | — |  |  | 5,315 |
Non-interest income | 31,307 |  |  | 1,318 |  |  | 600 |  |  | 33,225 |
Non-interest expense | 27,796 |  |  | 7,172 |  |  | 14,085 |  |  | 49,053 |
Income (loss) before income tax expense (benefit) | 8,620 |  |  | 8,097 |  |  | (9,449 | ) |  | 7,268 |
Total assets | 190,437 |  |  | 1,623,715 |  |  | 2,355,007 |  |  | 4,169,159 |
Total goodwill | 87,145 |  |  | 11,578 |  |  | — |  |  | 98,723 |
Total deposits | 2,641,838 |  |  | 241,572 |  |  | 638,223 |  |  | 3,521,633 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Nine Months Ended June 30, 2018 |  |  |  |  |  |  |
Interest income | $ | 17,545 |  |  | $ | 52,615 |  |  | $ | 28,173 |  |  | $ | 98,333 |
Interest expense | 1,645 |  |  | 2,821 |  |  | 11,855 |  |  | 16,321 |
Net interest income | 15,900 |  |  | 49,794 |  |  | 16,318 |  |  | 82,012 |
Provision for loan losses | 20,335 |  |  | 4,391 |  |  | — |  |  | 24,726 |
Non-interest income | 155,082 |  |  | 4,044 |  |  | 786 |  |  | 159,912 |
Non-interest expense | 99,592 |  |  | 20,723 |  |  | 41,277 |  |  | 161,592 |
Income (loss) before income tax expense (benefit) | 51,055 |  |  | 28,724 |  |  | (24,173 | ) |  | 55,606 |
Total assets | 190,437 |  |  | 1,623,715 |  |  | 2,355,007 |  |  | 4,169,159 |
Total goodwill | 87,145 |  |  | 11,578 |  |  | — |  |  | 98,723 |
Total deposits | 2,641,838 |  |  | 241,572 |  |  | 638,223 |  |  | 3,521,633 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Three Months Ended June 30, 2017 |  |  |  |  |  |  |
Interest income | $ | 3,576 |  |  | $ | 14,092 |  |  | $ | 11,193 |  |  | $ | 28,861 |
Interest expense | — |  |  | 717 |  |  | 3,201 |  |  | 3,918 |
Net interest income | 3,576 |  |  | 13,375 |  |  | 7,992 |  |  | 24,943 |
Provision for loan losses | 352 |  |  | 888 |  |  | — |  |  | 1,240 |
Non-interest income | 28,934 |  |  | 1,190 |  |  | 696 |  |  | 30,820 |
Non-interest expense | 26,570 |  |  | 6,020 |  |  | 9,629 |  |  | 42,219 |
Income (loss) before income tax expense (benefit) | 5,588 |  |  | 7,657 |  |  | (941 | ) |  | 12,304 |
Total assets | 196,717 |  |  | 1,245,840 |  |  | 2,577,136 |  |  | 4,019,693 |
Total goodwill | 87,145 |  |  | 11,578 |  |  | — |  |  | 98,723 |
Total deposits | 2,443,332 |  |  | 224,886 |  |  | 485,001 |  |  | 3,153,219 |
| Payments |  | Banking |  | Corporate Services/Other |  | Total
Nine Months Ended June 30, 2017 |  |  |  |  |  |  |
Interest income | $ | 9,800 |  |  | $ | 37,654 |  |  | $ | 31,700 |  |  | $ | 79,154 |
Interest expense | 503 |  |  | 1,932 |  |  | 7,977 |  |  | 10,412 |
Net interest income | 9,297 |  |  | 35,722 |  |  | 23,723 |  |  | 68,742 |
Provision for loan losses | 8,566 |  |  | 2,166 |  |  | — |  |  | 10,732 |
Non-interest income | 138,420 |  |  | 3,648 |  |  | 271 |  |  | 142,339 |
Non-interest expense | 97,927 |  |  | 18,114 |  |  | 29,877 |  |  | 145,918 |
Income (loss) before income tax expense (benefit) | 41,224 |  |  | 19,090 |  |  | (5,883 | ) |  | 54,431 |
Total assets | 196,717 |  |  | 1,245,840 |  |  | 2,577,136 |  |  | 4,019,693 |
Total goodwill | 87,145 |  |  | 11,578 |  |  | — |  |  | 98,723 |
Total deposits | 2,443,332 |  |  | 224,886 |  |  | 485,001 |  |  | 3,153,219 |

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- 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://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -URI http://asc.fasb.org/topic&trid=2134510 + Details
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