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SEGMENT INFORMATION (Tables)
 3 Months Ended
Dec. 31, 2012
SEGMENT INFORMATION [Abstract]  
Segment information of the entity
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