SEGMENT INFORMATION

9 Months Ended

Sep. 30, 2012

SEGMENT INFORMATION

SEGMENT INFORMATION

9.SEGMENT INFORMATION

Operating segments are components of an enterprise about which separate financial information is available that is evaluated regularly by the chief operating decision maker, or decision-making group, in deciding how to allocate resources and in assessing performance. The Company’s chief operating decision-making group consists of the Chief Executive Officer, President and Chief Financial Officer. The operating segments are reviewed separately because each represents products or services that can be, and often are, marketed and sold separately to our customers.

The Company operates in three distinct business segments: (1) cash advance, (2) ATM and (3) check services. These segments are monitored separately by management for performance against its internal forecast and are consistent with the Company’s internal management reporting. Other lines of business, none of which exceed the quantitative thresholds for segment reporting, include Western Money, credit reporting services and Casino Marketing Services, among others.

The Company does not allocate depreciation and amortization expenses to the business segments.  Certain corporate overhead expenses have been allocated to the segments for identifiable items related to such segments or based on a reasonable methodology.

The Company’s business is predominantly domestic, with no specific regional concentrations and no significant assets in foreign locations.

Major Customers

For the three and nine months ended September 30, 2012, none of our customers had combined revenues from all segments equal to or exceeding 10.0%.  For the three and nine months ended September 30, 2012 and 2011, our five largest customers accounted for approximately 32.8% and 31.9% and 29.1% and 29.1%, respectively, of our total revenue.

The accounting policies of the operating segments are the same as those described in the summary of significant accounting policies.

The tables below present the results of operations by operating segment for the three and nine months ended September 30, 2012 and 2011, respectively (amounts in thousands):

	Cash				Check
	Advance		ATM		Services		Other		Corporate		Total
Three Months Ended September 30, 2012
Revenues	$	57,520	$	76,411	$	6,611	$	9,282	$	-	$	149,824
Operating income	15,785		7,951		3,822		4,673		(17,588)		14,643
Three Months Ended September 30, 2011
Revenues	$	50,913	$	71,044	$	6,479	$	8,452	$	-	$	136,888
Operating income	7,789		8,659		3,579		4,393		(16,810)		7,610
Nine Months Ended September 30, 2012
Revenues	$	172,557	$	233,361	$	19,731	$	22,705	$	-	$	448,354
Operating income	48,388		25,620		11,017		11,563		(50,287)		46,301
Nine Months Ended September 30, 2011
Revenues	$	152,036	$	213,450	$	19,813	$	21,031	$	-	$	406,330
Operating income	23,375		27,157		11,168		10,029		(47,672)		24,057

The table below presents total assets by operating segment as of September 30, 2012 and December 31, 2011, respectively (amounts in thousands):

	September 30, 2012		December 31, 2011
Cash Advance	$	169,133	$	164,515
ATM	117,925		98,418
Check services	33,842		37,231
Other	35,231		39,570
Corporate	173,224		189,333
Total Assets	$	529,355	$	529,067