SEGMENT INFORMATION

3 Months Ended

Dec. 31, 2012

SEGMENT INFORMATION [Abstract]

SEGMENT INFORMATION

NOTE 8. 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 has determined that it has two reportable segments.  The first reportable segment, Retail Banking, a division of the Bank, operates as a traditional community bank providing deposit, loan and other related products to individuals and small businesses, primarily in the communities where their offices are located.  The second reportable segment, MPS, a division of the Bank, provides products and services to financial institutions and other businesses.  These products and services include issuance of prepaid debit cards, sponsorship of ATMs into the debit networks, credit programs, ACH origination services, gift card programs, rebate programs, travel programs and tax related programs.  Other programs are in the process of development.  The remaining grouping under the caption "All Others" consists of the operations of the Company and inter-segment eliminations.  Transactions between affiliates, the resulting revenues of which are shown in the intersegment revenue category, are conducted at market prices, meaning prices that would be paid if the companies were not affiliates.

The following tables present segment data for the Company for the three months ended December 31, 2012 and 2011, respectively.

	Retail		Meta Payment
	Banking		Systems®			All Others			Total
Three Months Ended December 31, 2012
Interest income	$	6,056	$	3,574		$	-		$	9,630
Interest expense		672		38			123			833
Net interest income (expense)		5,384		3,536			(123	)		8,797
Provision (recovery) for loan losses		-		-			-			-
Non-interest income		1,916		11,494			-			13,410
Non-interest expense		4,824		12,989			265			18,078
Income (loss) before tax		2,476		2,041			(388	)		4,129
Income tax expense (benefit)		644		505			(145	)		1,004
Net income (loss)	$	1,832	$	1,536		$	(243	)	$	3,125
Inter-segment revenue (expense)	$	2,922	$	(2,922	)	$	-		$	-
Total assets		516,299		1,244,971			2,000			1,763,270
Total deposits		207,035		1,111,712			(2,489	)		1,316,258

	Retail		Meta Payment
	Banking		Systems®			All Others			Total
Three Months Ended December 31, 2011
Interest income	$	6,481	$	3,134		$	-		$	9,615
Interest expense		824		38			115			977
Net interest income (expense)		5,657		3,096			(115	)		8,638
Provision (recovery) for loan losses		700		(1	)		-			699
Non-interest income		1,803		13,873			6			15,682
Non-interest expense		4,783		13,942			66			18,791
Income (loss) before tax		1,977		3,028			(175	)		4,830
Income tax expense (benefit)		716		1,093			(70	)		1,739
Net income (loss)	$	1,261	$	1,935		$	(105	)	$	3,091
Inter-segment revenue (expense)	$	2,627	$	(2,627	)	$	-		$	-
Total assets		304,342		1,052,934			1,929			1,359,205
Total deposits		213,801		1,011,858			(863	)		1,224,796

The following tables present gross profit data for MPS for the three months ended December 31, 2012 and 2011.

Three Months Ended December 31,	2012		2011
Interest income	$	3,574	$	3,134
Interest expense		38		38
Net interest income		3,536		3,096
Provision (recovery) for loan losses		-		(1	)
Non-interest income		11,494		13,873
Card processing expense		3,680		5,310
Gross Profit		11,350		11,660
Other non-interest expense		9,309		8,632
Income (loss) before tax		2,041		3,028
Income tax expense (benefit)		505		1,093
Net Income (Loss)	$	1,536	$	1,935