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Industry Segment Information | 12 Months Ended
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Dec. 31, 2014
Industry Segment Information [Abstract] |
Industry Segment Information | Note 16 Industry Segment Information The services provided by the Company are classified into two reportable segments: Information Services and Banking Services. Each of these segments provides distinct services that are marketed through different channels. They are managed separately due to their unique service, processing and capital requirements. The Information Services segment provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches. The Company's accounting policies for segments are the same as those described in Note 1 of this report. Management evaluates segment performance based on net income after allocations for corporate expenses and income taxes. Transactions between segments are accounted for at what management believes to be fair value. Substantially all revenue originates from and all long-lived assets are located within the United States, and no revenue from any customer of any segment exceeds 10% of the Company's consolidated revenue. Assets represent actual assets owned by Information Services and Banking Services and there is no allocation methodology used. Loans are sold by Banking Services to Information Services to create liquidity when the Bank's loan to deposit ratio is greater than 100%. Segment interest from customers is the actual interest earned on the loans owned by Information Services and Banking Services, respectively. Summarized information about the Company's operations in each industry segment for the years ended December 31, 2014, 2013 and 2012, is as follows:
|  |  |  |  |  |  | Corporate, |  |  |  |
|  |  | Information |  | Banking |  | Eliminations |  |  |  |
(In thousands) |  |  | Services |  | Services |  | and Other |  |  |  | Total
2014 |  |  |  |  |  |  |  |  |  |  |
Fee revenue and other income: |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  | $ | 78,773 |  |  | $ | 1,134 |  |  |  | $ | — |  |  |  | $ | 79,907 |
Intersegment income (expense) |  |  |  | 9,210 |  |  |  | 1,504 |  |  |  |  | (10,714 | ) |  |  |  | — |
Net interest income (expense) after provision |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  |  | 15,678 |  |  |  | 21,621 |  |  |  |  | — |  |  |  |  | 37,299 |
Intersegment income (expense) |  |  |  | 12 |  |  |  | (12 | ) |  |  |  | — |  |  |  |  | — |
Depreciation and amortization |  |  |  | 2,795 |  |  |  | 182 |  |  |  |  | 119 |  |  |  |  | 3,096 |
Income taxes |  |  |  | 3,006 |  |  |  | 4,753 |  |  |  |  | — |  |  |  |  | 7,759 |
Net income |  |  |  | 16,379 |  |  |  | 7,654 |  |  |  |  | — |  |  |  |  | 24,033 |
Goodwill |  |  |  | 11,454 |  |  |  | 136 |  |  |  |  | — |  |  |  |  | 11,590 |
Other intangible assets, net |  |  |  | 2,762 |  |  |  | — |  |  |  |  | — |  |  |  |  | 2,762 |
Total assets |  |  | $ | 782,844 |  |  | $ | 755,400 |  |  |  | $ | (37,513 | ) |  |  | $ | 1,500,731 |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Fee revenue and other income: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  | $ | 75,010 |  |  | $ | 1,216 |  |  |  | $ | 346 |  |  |  | $ | 76,572 |
Intersegment income (expense) |  |  |  | 9,637 |  |  |  | 1,479 |  |  |  |  | (11,116 | ) |  |  |  | — |
Net interest income (expense) after provision |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  |  | 15,986 |  |  |  | 22,259 |  |  |  |  | — |  |  |  |  | 38,245 |
Intersegment income (expense) |  |  |  | 11 |  |  |  | (11 | ) |  |  |  | — |  |  |  |  | — |
Depreciation and amortization |  |  |  | 2,638 |  |  |  | 143 |  |  |  |  | 115 |  |  |  |  | 2,896 |
Income taxes |  |  |  | 2,232 |  |  |  | 5,002 |  |  |  |  | — |  |  |  |  | 7,234 |
Net income |  |  |  | 15,237 |  |  |  | 8,133 |  |  |  |  | 127 |  |  |  |  | 23,497 |
Goodwill |  |  |  | 11,454 |  |  |  | 136 |  |  |  |  | — |  |  |  |  | 11,590 |
Other intangible assets, net |  |  |  | 3,222 |  |  |  | — |  |  |  |  | — |  |  |  |  | 3,222 |
Total assets |  |  | $ | 657,604 |  |  | $ | 679,357 |  |  |  | $ | (10,941 | ) |  |  | $ | 1,326,020 |
2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Fee revenue and other income: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  | $ | 70,376 |  |  | $ | 1,272 |  |  |  | $ | (510 | ) |  |  | $ | 71,138 |
Intersegment income (expense) |  |  |  | 9,478 |  |  |  | 1,663 |  |  |  |  | (11,141 | ) |  |  |  | — |
Net interest income (expense) after provision |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Income from customers |  |  |  | 18,547 |  |  |  | 21,838 |  |  |  |  | — |  |  |  |  | 40,385 |
Intersegment income (expense) |  |  |  | 24 |  |  |  | (24 | ) |  |  |  | — |  |  |  |  | — |
Depreciation and amortization |  |  |  | 2,392 |  |  |  | 101 |  |  |  |  | 39 |  |  |  |  | 2,532 |
Income taxes |  |  |  | 2,802 |  |  |  | 5,085 |  |  |  |  | — |  |  |  |  | 7,887 |
Net income |  |  |  | 15,761 |  |  |  | 8,014 |  |  |  |  | (472 | ) |  |  |  | 23,303 |
Goodwill |  |  |  | 11,454 |  |  |  | 136 |  |  |  |  | — |  |  |  |  | 11,590 |
Other intangible assets, net |  |  |  | 3,757 |  |  |  | — |  |  |  |  | — |  |  |  |  | 3,757 |
Total assets |  |  | $ | 642,623 |  |  | $ | 668,648 |  |  |  | $ | (23,884 | ) |  |  | $ | 1,287,387 |

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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://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=6534315&loc=d3e8864-108599 Reference 2: 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=6534315&loc=d3e8933-108599 Reference 3: 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=6534315&loc=d3e8844-108599 Reference 4: 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=6534315&loc=d3e8538-108599 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=6534315&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 34 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8981-108599 Reference 7: 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=6534315&loc=d3e8984-108599 Reference 8: 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=6534315&loc=d3e9038-108599 Reference 9: 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=6534315&loc=d3e8906-108599 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=6534315&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 31 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8924-108599 Reference 12: 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=6534315&loc=d3e9031-108599 Reference 13: 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=6534315&loc=d3e8971-108599 Reference 14: 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=6534315&loc=d3e8595-108599 + Details
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