SEGMENT REPORTING

3 Months Ended

Dec. 31, 2018

SEGMENT REPORTING

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. The Meta Payment Systems and Tax Services divisions are reported in the Payments segment. The Community Banking, Commercial Finance and Consumer Finance 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 following tables present segment data for the Company for the three months ended December 31, 2018 and 2017, respectively.



	Payments		Banking		Corporate Services/Other			Total
Three Months Ended December 31, 2018
Net interest income (loss)	$	9,400	$	51,792	$	(920	)	$	60,272
Provision for loan and lease losses	1,495		7,604		—			9,099
Noninterest income	22,826		14,269		656			37,751
Noninterest expense	21,362		33,843		19,090			74,295
Income (loss) before income tax expense (benefit)	9,369		24,614		(19,354		)	14,629

Total assets	302,368		3,793,647		2,086,750			6,182,765
Total goodwill	87,145		216,125		—			303,270
Total deposits	2,753,702		554,939		1,627,806			4,936,447



	Payments		Banking		Corporate Services/Other			Total
Three Months Ended December 31, 2017
Net interest income	$	4,669	$	15,597	$	5,930		$	26,196
Provision for loan losses	1,017		51		—			1,068
Noninterest income	28,101		1,485		(318		)	29,268
Noninterest expense	26,934		6,568		10,540			44,042
Income (loss) before income tax expense (benefit)	4,819		10,463		(4,928		)	10,354

Total assets	380,442		1,478,693		3,558,828			5,417,963
Total goodwill	87,145		11,578		—			98,723
Total deposits	2,768,736		236,494		508,415			3,513,645