Pathward Financial (CASH) 10-Q 7 May 15 2015 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Mar. 31, 2015	5-May-15
Document and Entity Information [Abstract]
Entity Registrant Name	META FINANCIAL GROUP INC
Entity Central Index Key	907471
Current Fiscal Year End Date	-21
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		6,942,468
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Mar-15

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Financial Condition (Unaudited) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and cash equivalents	$24,883	$29,832
Investment securities available for sale	526,377	482,346
Mortgage-backed securities available for sale	676,159	657,870
Investment securities held to maturity	242,396	212,899
Mortgage-backed securities held to maturity	68,666	70,034
Loans receivable - net of allowance for loan losses of $5,716 at March 31, 2015 and $5,397 at September 30, 2014	618,744	493,007
Federal Home Loan Bank Stock, at cost	13,250	21,245
Accrued interest receivable	12,466	11,222
Insurance receivable	0	269
Premises, furniture, and equipment, net	17,563	16,462
Bank-owned life insurance	36,034	35,469
Foreclosed real estate and repossessed assets	0	15
Goodwill	11,578	0
Intangible assets	10,380	2,588
Prepaid assets	8,826	9,495
Deferred taxes	2,824	6,591
MPS accounts receivable	4,852	3,935
Other assets	94	752
Total assets	2,275,092	2,054,031
LIABILITIES
Non-interest-bearing checking	1,558,459	1,126,715
Interest-bearing checking	36,021	37,188
Savings deposits	37,029	27,610
Money market deposits	37,491	40,475
Time certificates of deposit	61,672	134,553
Total deposits	1,730,672	1,366,541
Advances from Federal Home Loan Bank	7,000	7,000
Federal funds purchased	261,000	470,000
Securities sold under agreements to repurchase	11,637	10,411
Subordinated debentures	10,310	10,310
Accrued interest payable	160	318
Contingent liability	331	331
Accrued expenses and other liabilities	37,536	14,318
Total liabilities	2,058,646	1,879,229
STOCKHOLDERS' EQUITY
Preferred stock, 3,000,000 shares authorized, no shares issued or outstanding at March 31, 2015 and September 30, 2014, respectively	0	0
Common stock, $.01 par value; 10,000,000 shares authorized, 6,959,833 and 6,213,979 shares issued, 6,939,583 and 6,169,604 shares outstanding at March 31, 2015 and September 30, 2014, respectively	70	62
Additional paid-in capital	120,537	95,079
Retained earnings	90,887	83,797
Accumulated other comprehensive income (loss)	5,262	-3,409
Treasury stock, 20,250 and 44,375 common shares, at cost, at March 31, 2015 and September 30, 2014, respectively	-310	-727
Total stockholders' equity	216,446	174,802
Total liabilities and stockholders' equity	$2,275,092	$2,054,031

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, except Share data, unless otherwise specified
ASSETS
Loans receivable, allowance for loan losses	$5,716	$5,397
STOCKHOLDERS' EQUITY
Preferred stock, shares authorized (in shares)	3,000,000	3,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	6,959,833	6,213,979
Common stock, shares outstanding (in shares)	6,939,583	6,169,604
Treasury stock (in shares)	20,250	44,375

Condensed_Consolidated_Stateme2

Condensed Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Interest and dividend income:
Loans receivable, including fees	$7,637	$4,750	$14,033	$9,221
Mortgage-backed securities	3,919	3,925	7,743	7,608
Other investments	4,203	3,388	8,215	6,396
Total interest and dividend income	15,759	12,063	29,991	23,225
Interest expense:
Deposits	172	221	404	494
FHLB advances and other borrowings	301	323	730	699
Total interest expense	473	544	1,134	1,193
Net interest income	15,286	11,519	28,857	22,032
Provision (recovery) for loan losses	593	300	641	300
Net interest income after provision for loan losses	14,693	11,219	28,216	21,732
Non-interest income:
Card fees	13,663	12,055	26,752	24,948
Loan fees	813	438	1,127	645
Bank-owned life insurance	280	281	566	570
Deposit fees	141	140	297	297
Gain (loss) on sale of securities available for sale, net (Includes $17 and ($1,243) reclassified from accumulated other comprehensive income (loss) for net gains (losses) on available for sale securities for the three and six months ended March 31, 2015)	17	98	-1,243	97
Gain (loss) on foreclosed real estate	2	2	28	5
Other income	54	49	117	88
Total non-interest income	14,970	13,063	27,644	26,650
Non-interest expense:
Compensation and benefits	11,668	10,019	22,199	18,970
Card processing	3,810	3,573	8,506	7,818
Occupancy and equipment	2,835	2,498	5,438	4,549
Legal and consulting	996	783	2,217	2,166
Data processing	331	338	681	672
Marketing	341	213	645	433
Other expense	3,439	2,319	6,147	4,196
Total non-interest expense	23,420	19,743	45,833	38,804
Income before income tax expense	6,243	4,539	10,027	9,578
Income tax expense (Includes $6 and ($451) income tax expense (benefit) reclassified from accumulated other comprehensive income (loss) for the three and six months ended March 31, 2015)	1,062	395	1,251	1,432
Net income	$5,181	$4,144	$8,776	$8,146
Earnings per common share:
Basic (in dollars per share)	$0.79	$0.68	$1.38	$1.34
Diluted (in dollars per share)	$0.78	$0.67	$1.37	$1.32

Condensed_Consolidated_Stateme3

Condensed Consolidated Statements of Operations (Unaudited) (Parenthetical) (USD $)	3 Months Ended	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2015
Non-interest income:
Net gain (losses) on available for sale securities reclassified from accumulated other comprehensive income (loss)	$17	($1,243)
Income tax expense (benefit) reclassified from accumulated other comprehensive income	$6	($451)

Condensed_Consolidated_Stateme4

Condensed Consolidated Statements of Comprehensive Income (Loss) (Unaudited) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Condensed Consolidated Statements of Comprehensive Income (Loss) (Unaudited) [Abstract]
Net income	$5,181	$4,144	$8,776	$8,146
Other comprehensive income (loss):
Change in net unrealized gain (loss) on securities	5,940	14,286	12,452	7,745
Losses (gains) realized in net income	-17	-98	1,243	-97
Total available for sale adjustment	5,923	14,188	13,695	7,648
Deferred income tax effect	2,189	5,180	5,024	2,848
Total other comprehensive income (loss)	3,734	9,008	8,671	4,800
Total comprehensive income (loss)	$8,915	$13,152	$17,447	$12,946

Condensed_Consolidated_Stateme5

Condensed Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
In Thousands, unless otherwise specified
Balance at Sep. 30, 2013	$61	$92,963	$71,268	($20,285)	($1,023)	$142,984
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock ($0.26 per share)	0	0	-1,588	0	0	-1,588
Issuance of common shares from the sales of equity securities	1	-52	0	0	0	-51
Issuance of common shares due to issuance of stock options and restricted stock	0	1,040	0	0	296	1,336
Stock compensation	0	33	0	0	0	33
Net change in unrealized losses on securities, net of income taxes	0	0	0	4,800	0	4,800
Net income	0	0	8,146	0	0	8,146
Balance at Mar. 31, 2014	62	93,984	77,826	-15,485	-727	155,660
Balance at Sep. 30, 2014	62	95,079	83,797	-3,409	-727	174,802
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock ($0.26 per share)	0	0	-1,686	0	0	-1,686
Issuance of common shares from the sales of equity securities	8	25,282	0	0	417	25,707
Issuance of common shares due to issuance of stock options and restricted stock	0	176	0	0	0	176
Net change in unrealized losses on securities, net of income taxes	0	0	0	8,671	0	8,671
Net income	0	0	8,776	0	0	8,776
Balance at Mar. 31, 2015	$70	$120,537	$90,887	$5,262	($310)	$216,446

Condensed_Consolidated_Stateme6

Condensed Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parenthetical) (USD $)	6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends declared on common stock (in dollars per share)	$0.26	$0.26

Condensed_Consolidated_Stateme7

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net income	$8,776	$8,146
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation, amortization and accretion, net	12,097	8,979
Provision (recovery) for loan losses	641	300
Provision (recovery) for deferred taxes	-1,236	-694
(Gain) loss on other assets	-646	-39
(Gain) loss on sale of securities available for sale, net	1,243	-97
Capital lease interest expense	-66	0
Net change in accrued interest receivable	-1,245	-1,026
Net change in other assets	619	-1,875
Net change in accrued interest payable	-157	-124
Net change in accrued expenses and other liabilities	18,867	-5,241
Net cash provided by (used in) operating activities	38,893	8,329
Cash flows from investing activities:
Purchase of securities available for sale	-376,357	-257,319
Proceeds from sales of securities available for sale	264,631	68,167
Proceeds from maturities and principal repayments of securities available for sale	53,414	39,650
Purchase of securities held to maturity	-33,526	-7,410
Proceeds from maturities and principal repayments of securities held to maturity	4,078	3,302
Purchase of bank owned life insurance	0	-500
Loans purchased	0	-1,784
Loans sold	-5,472	0
Net change in loans receivable	-46,786	-44,103
Proceeds from sales of foreclosed real estate	43	0
Net cash paid for acquisition	-92,308	0
Federal Home Loan Bank stock purchases	-215,085	-186,691
Federal Home Loan Bank stock redemptions	223,080	186,040
Proceeds from the sale of premises and equipment	2,096	1,169
Purchase of premises and equipment	-2,148	-969
Net cash provided by (used in) investing activities	-224,340	-200,448
Cash flows from financing activities:
Net change in checking, savings, and money market deposits	437,012	238,479
Net change in time deposits	-72,881	-58,602
Proceeds from federal funds purchased	-209,000	15,000
Net change in securities sold under agreements to repurchase	1,226	-3,620
Capital lease amortization	-56	0
Cash dividends paid	-1,686	-1,588
Stock compensation	0	33
Proceeds from issuance of common stock	25,883	1,285
Net cash provided by (used in) financing activities	180,498	190,987
Net change in cash and cash equivalents	-4,949	-1,132
Cash and cash equivalents at beginning of period	29,832	40,063
Cash and cash equivalents at end of period	24,883	38,931
Cash paid during the period for:
Interest	1,292	1,317
Income taxes	3,120	2,677
Franchise taxes	39	0
Other taxes	41	0
Supplemental schedule of non-cash investing activities:
Securities transferred from available for sale to held to maturity	310	0
Sale leaseback	$2,259	$0

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Mar. 31, 2015
BASIS OF PRESENTATION [Abstract]
BASIS OF PRESENTATION	NOTE 1.	BASIS OF PRESENTATION
	The interim unaudited Condensed Consolidated Financial Statements contained herein should be read in conjunction with the audited consolidated financial statements and accompanying notes to the consolidated financial statements for the fiscal year ended September 30, 2014 included in Meta Financial Group, Inc.’s (“Meta Financial” or the “Company”) Annual Report on Form 10-K filed with the Securities and Exchange Commission (“SEC”) on December 12, 2014.  Accordingly, footnote disclosures which would substantially duplicate the disclosures contained in the audited consolidated financial statements have been omitted.
	The financial information of the Company included herein has been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X.  Such information reflects all adjustments (consisting of normal recurring adjustments), that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. The results of the three and six month periods ended March 31, 2015, are not necessarily indicative of the results expected for the year ending September 30, 2015.

ACQUISITION

ACQUISITION	6 Months Ended
	Mar. 31, 2015
ACQUISITION [Abstract]
ACQUISITION	NOTE 2.	ACQUISITION
	On December 2, 2014, the Company, through its wholly-owned subsidiary, MetaBank, purchased substantially all of the commercial loan portfolio and related assets of AFS/IBEX Financial Services, Inc. (“AFS/IBEX”), an insurance premium finance company based in Dallas, Texas.  Following the acquisition, MetaBank established its AFS/IBEX division, which provides short-term, collateralized financing to facilitate the purchase of insurance for commercial property, casualty, and liability risk through a network of over 1,300 independent insurance agencies throughout the United States.  In addition to its operations at the bank’s main office, the AFS/IBEX division has two agency offices, one in Dallas, Texas and one in southern California.
	Under the terms of the purchase agreement, the aggregate purchase price, which was based upon the December 2, 2014 tangible book value of AFS/IBEX, was approximately $99.3 million, all of which was paid in cash.  The Company acquired assets with approximate fair values of $6.9 million cash and cash equivalents, $74.1 million net loans receivable, $0.7 million other assets, $8.2 million intangible assets including customer relationships, trademark, and non-compete agreements, and $11.6 million goodwill.  The Company also assumed liabilities of $2.2 million consisting of accrued expenses and other liabilities.  All amounts are at estimated fair market values.
	The following table represents the approximate fair value of assets acquired and liabilities assumed of AFS/IBEX on the consolidated balance sheet as of December 2, 2014:
			As of December 2, 2014
			(Dollars in Thousands)
	Fair value of consideration paid
	Cash		$	99,255
	Total consideration paid			99,255
	Fair value of assets acquired
	Cash and cash equivalents			6,947
	Loans receivable, net			74,120
	Prepaid assets			156
	Furniture and equipment, net			449
	Intangible assets			8,213
	Other assets			6
	Total assets			89,891
	Fair value of liabilities assumed
	Accrued expenses and other liabilities			2,214
	Total liabilities assumed			2,214
	Fair value of net assets acquired			87,677
	Goodwill resulting from acquisition		$	11,578
	The AFS/IBEX transaction has been accounted for under the acquisition method of accounting.  The assets and liabilities, both tangible and intangible, were recorded at their estimated fair values as of the transaction date.  The Company made significant estimates and exercised judgment in estimating fair values and accounting for such acquired assets and liabilities.
	The Company recognized goodwill of $11.6 million which is calculated as the excess of both the consideration exchanged and the liabilities assumed as compared to the fair value of identifiable assets acquired.  Goodwill resulted from expected operational synergies, an enhanced market area, and expanded product lines and is expected to be deductible for tax purposes.  See Note 12 to the Condensed Consolidated Financial Statements for further information on goodwill.
	Acquired loans were recorded at fair value based on a discounted cash flow valuation which considered default rates, loss given defaults, and recovery rates, among other things.  No allowance for credit losses was recorded on December 2, 2014.

CREDIT_DISCLOSURES

CREDIT DISCLOSURES	6 Months Ended
	Mar. 31, 2015
CREDIT DISCLOSURES [Abstract]
CREDIT DISCLOSURES	NOTE 3.	CREDIT DISCLOSURES
	The allowance for loan losses represents management’s estimate of probable loan losses which have been incurred as of the date of the consolidated financial statements.  The allowance for loan losses is increased by a provision for loan losses charged to expense and decreased by charge-offs (net of recoveries).  Estimating the risk of loss and the amount of loss on any loan is necessarily subjective.  Management’s periodic evaluation of the appropriateness of the allowance is based on the Company’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, and current economic conditions.  While management may periodically allocate portions of the allowance for specific problem loan situations, the entire allowance is available for any loan charge-offs that occur.
	Loans are considered impaired if full principal or interest payments are not probable in accordance with the contractual loan terms.  Impaired loans are carried at the present value of expected future cash flows discounted at the loan’s effective interest rate or at the fair value of the collateral if the loan is collateral dependent.  A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance.
	The allowance consists of specific, general, and unallocated components.  The specific component relates to impaired loans.  For such loans, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.  The general component covers loans not considered impaired and is based on historical loss experience adjusted for qualitative factors.  An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses.  The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
	Smaller-balance homogenous loans are collectively evaluated for impairment.  Such loans include premium finance loans, residential first mortgage loans secured by one-to-four family residences, residential construction loans, and automobile, manufactured homes, home equity and second mortgage loans.  Commercial and agricultural loans and mortgage loans secured by other properties are evaluated individually for impairment.  When analysis of borrower operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan is evaluated for impairment.  Often this is associated with a delay or shortfall in payments of 210 days or more for premium finance loans and 90 days or more for other loan categories.  Non-accrual loans and all troubled debt restructurings are considered impaired.  Impaired loans, or portions thereof, are charged off when deemed uncollectible.
	Loans receivable at March 31, 2015 and September 30, 2014 are as follows:
			31-Mar-15			30-Sep-14
			(Dollars in Thousands)
	1-4 Family Real Estate		$	115,741		$	116,395
	Commercial and Multi-Family Real Estate			260,537			224,302
	Agricultural Real Estate			65,720			56,071
	Consumer			30,535			29,329
	Commercial Operating			27,266			30,846
	Agricultural Operating			41,749			42,258
	Premium Finance			83,191			-
	Total Loans Receivable			624,739			499,201
	Less:
	Allowance for Loan Losses			(5,716	)		(5,397	)
	Net Deferred Loan Origination Fees			(279	)		(797	)
	Total Loans Receivable, Net		$	618,744		$	493,007
	Activity in the allowance for loan losses and balances of loans receivable by portfolio segment for the three and six month periods ended March 31, 2015 and 2014 is as follows:
			1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Unallocated			Total
			(Dollars in Thousands)
	Three Months Ended March 31, 2015
	Allowance for loan losses:
	Beginning balance		$	512		$	1,198		$	266		$	78		$	85		$	630		$	35		$	2,421		$	5,225
	Provision (recovery) for loan losses			55			20			(1	)		-			14			37			192			276			593
	Charge offs			(45	)		-			-			-			-			-			(81	)		-			(126	)
	Recoveries			-			-			-			-			2			-			22			-			24
	Ending balance		$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Six Months Ended March 31, 2015
	Allowance for loan losses:
	Beginning balance		$	552		$	1,575		$	263		$	78		$	93		$	719		$	-		$	2,117		$	5,397
	Provision (recovery) for loan losses			15			(149	)		2			-			5			(52	)		240			580			641
	Charge offs			(45	)		(214	)		-			-			-			-			(98	)		-			(357	)
	Recoveries			-			6			-			-			3			-			26			-			35
	Ending balance		$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Ending balance: individually evaluated for impairment			-			296			-			1			-			326			-			-			623
	Ending balance: collectively evaluated for impairment			522			922			265			77			101			341			168			2,697			5,093
	Total		$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Loans:
	Ending balance: individually evaluated for impairment			181			1,410			-			1			16			6,134			-			-			7,742
	Ending balance: collectively evaluated for impairment			115,560			259,127			65,720			30,534			27,250			35,615			83,191			-			616,997
	Total		$	115,741		$	260,537		$	65,720		$	30,535		$	27,266		$	41,749		$	83,191		$	-		$	624,739
			1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Unallocated			Total
			(Dollars in Thousands)
	Three Months Ended March 31, 2014
	Allowance for loan losses:
	Beginning balance		$	341		$	1,552		$	124		$	72		$	56		$	248		$	-		$	1,865		$	4,258
	Provision (recovery) for loan losses			(54	)		114			111			(1	)		(4	)		230			-			(96	)		300
	Charge offs			-			-			-			-			-			-			-			-			-
	Recoveries			-			-			-			-			14			-			-			-			14
	Ending balance		$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Six Months Ended March 31, 2014
	Allowance for loan losses:
	Beginning balance		$	333		$	1,937		$	112		$	74		$	49		$	267		$	-		$	1,158		$	3,930
	Provision (recovery) for loan losses			(46	)		(599	)		123			(3	)		3			211			-			611			300
	Charge offs			-			-			-			-			-			-			-			-			-
	Recoveries			-			328			-			-			14			-			-			-			342
	Ending balance		$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Ending balance: individually evaluated for impairment			25			366			-			-			-			-			-			-			391
	Ending balance: collectively evaluated for impairment			262			1,300			235			71			66			478			-			1,769			4,181
	Total		$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Loans:
Ending balance: individually evaluated for impairment			673			5,703			-			-			30			-			-			-			6,406
Ending balance: collectively evaluated for impairment			99,054			205,632			35,206			27,112			22,000			35,770			-			-			424,774
Total		$	99,727		$	211,335		$	35,206		$	27,112		$	22,030		$	35,770		$	-		$	-		$	431,180
Federal regulations provide for the classification of loans and other assets such as debt and equity securities considered by our regulator, the Office of the Comptroller of the Currency (the “OCC”), to be of lesser quality as “substandard,” “doubtful” or “loss.”  The loan classification and risk rating definitions are as follows:
Pass- A pass asset is of sufficient quality in terms of repayment, collateral and management to preclude a special mention or an adverse rating.
Watch- A watch asset is generally credit performing well under current terms and conditions but with identifiable weakness meriting additional scrutiny and corrective measures.  Watch is not a regulatory classification but can be used to designate assets that are exhibiting one or more weaknesses that deserve management’s attention.  These assets are of better quality than special mention assets.
Special Mention- Special mention assets are credits with potential weaknesses deserving management’s close attention and if left uncorrected, may result in deterioration of the repayment prospects for the asset.  Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.  Special mention is a temporary status with aggressive credit management required to garner adequate progress and move to watch or higher.
The adverse classifications are as follows:
Substandard- A substandard asset is inadequately protected by the net worth and/or repayment ability or by a weak collateral position.  Assets so classified have well-defined weaknesses creating a distinct possibility that the Bank will sustain some loss if the weaknesses are not corrected.  Loss potential does not have to exist for an asset to be classified as substandard.
Doubtful- A doubtful asset has weaknesses similar to those classified substandard, with the degree of weakness causing the likely loss of some principal in any reasonable collection effort.  Due to pending factors the asset’s classification as loss is not yet appropriate.
Loss- A loss asset is considered uncollectible and of such little value that the asset’s continuance on the Bank’s balance sheet is no longer warranted.  This classification does not necessarily mean an asset has no recovery or salvage value leaving room for future collection efforts.
General allowances represent loss allowances which have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been allocated to particular problem assets.  When assets are classified as “loss,” the Bank is required either to establish a specific allowance for losses equal to 100% of that portion of the asset so classified or to charge-off such amount.  The Bank’s determinations as to the classification of its assets and the amount of its valuation allowances are subject to review by its regulatory authorities, which may order the establishment of additional general or specific loss allowances.
The Company recognizes that concentrations of credit may naturally occur and may take the form of a large volume of related loans to an individual, a specific industry, a geographic location, or an occupation.  Credit concentration is a direct, indirect, or contingent obligation that has a common bond where the aggregate exposure equals or exceeds a certain percentage of the Bank’s Tier 1 Capital plus the Allowance for Loan Losses.
The asset classification of loans at March 31, 2015 and September 30, 2014 are as follows:
31-Mar-15		1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Total
		(Dollars in Thousands)
Pass		$	115,307		$	257,664		$	62,999		$	30,534		$	26,715		$	25,555		$	83,191		$	601,965
Watch			131			1,821			259			1			385			1,860			-			4,457
Special Mention			223			94			877			-			-			5,517			-			6,711
Substandard			80			958			1,585			-			166			8,817			-			11,606
Doubtful			-			-			-			-			-			-			-			-
		$	115,741		$	260,537		$	65,720		$	30,535		$	27,266		$	41,749		$	83,191		$	624,739
30-Sep-14		1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Total
		(Dollars in Thousands)
Pass		$	115,700		$	222,074		$	52,364		$	29,329		$	30,709		$	32,261		$	-		$	482,437
Watch			369			852			273			-			137			369			-			2,000
Special Mention			81			96			1,660			-			-			63			-			1,900
Substandard			245			1,280			1,774			-			-			9,565			-			12,864
Doubtful			-			-			-			-			-			-			-			-
		$	116,395		$	224,302		$	56,071		$	29,329		$	30,846		$	42,258		$	-		$	499,201
One-to-Four Family Residential Mortgage Lending.   One-to-four family residential mortgage loan originations are generated by the Company’s marketing efforts, its present customers, walk-in customers and referrals. The Company offers fixed-rate and adjustable rate mortgage (“ARM”) loans for both permanent structures and those under construction.  The Company’s one-to-four family residential mortgage originations are secured primarily by properties located in its primary market area and surrounding areas.
The Company originates one-to-four family residential mortgage loans with terms up to a maximum of 30-years and with loan-to-value ratios up to 100% of the lesser of the appraised value of the security property or the contract price.  The Company generally requires that private mortgage insurance be obtained in an amount sufficient to reduce the Company’s exposure to at or below the 80% loan‑to‑value level, unless the loan is insured by the Federal Housing Administration, guaranteed by Veterans Affairs or guaranteed by the Rural Housing Administration.  Residential loans generally do not include prepayment penalties.
The Company currently offers five and ten year ARM loans.  These loans have a fixed-rate for the stated period and, thereafter, adjust annually.  These loans generally provide for an annual cap of up to 200 basis points and a lifetime cap of 600 basis points over the initial rate.  As a consequence of using an initial fixed-rate and caps, the interest rates on these loans may not be as rate sensitive as the Company’s cost of funds.  The Company’s ARMs do not permit negative amortization of principal and are not convertible into fixed rate loans.  The Company’s delinquency experience on its ARM loans has generally been similar to its experience on fixed-rate residential loans.  The current low mortgage interest rate environment makes ARM loans relatively unattractive and very few are currently being originated.
Due to consumer demand, the Company also offers fixed-rate mortgage loans with terms up to 30 years, most of which conform to secondary market, i.e., Fannie Mae, Ginnie Mae, and Freddie Mac standards.  The Company typically holds all fixed-rate mortgage loans and does not engage in secondary market sales.  Interest rates charged on these fixed-rate loans are competitively priced according to market conditions.
In underwriting one-to-four family residential real estate loans, the Company evaluates both the borrower’s ability to make monthly payments and the value of the property securing the loan.  Properties securing real estate loans made by the Company are appraised by independent appraisers approved by the Board of Directors.  The Company generally requires borrowers to obtain an attorney’s title opinion or title insurance, and fire and property insurance (including flood insurance, if necessary) in an amount not less than the amount of the loan.  Real estate loans originated by the Company generally contain a “due on sale” clause allowing the Company to declare the unpaid principal balance due and payable upon the sale of the security property.  The Company has not engaged in sub-prime residential mortgage originations.
Commercial and Multi-Family Real Estate Lending.  The Company engages in commercial and multi-family real estate lending in its primary market area and surrounding areas and, in order to supplement its loan portfolio, has purchased whole loan and participation interests in loans from other financial institutions.  The purchased loans and loan participation interests are generally secured by properties primarily located in the Midwest and the West.
The Company’s commercial and multi-family real estate loan portfolio is secured primarily by apartment buildings, office buildings, and hotels.  Commercial and multi-family real estate loans generally are underwritten with terms not exceeding 20 years, have loan-to-value ratios of up to 80% of the appraised value of the security property, and are typically secured by personal guarantees of the borrowers.  The Company has a variety of rate adjustment features and other terms in its commercial and multi-family real estate loan portfolio.  Commercial and multi-family real estate loans provide for a margin over a number of different indices.  In underwriting these loans, the Company analyzes the financial condition of the borrower, the borrower’s credit history, and the reliability and predictability of the cash flow generated by the property securing the loan.  Appraisals on properties securing commercial real estate loans originated by the Company are performed by independent appraisers.
Commercial and multi-family real estate loans generally present a higher level of risk than loans secured by one-to-four family residences.  This greater risk is due to several factors, including the concentration of principal in a limited number of loans and borrowers, the effect of general economic conditions on income producing properties and the increased difficulty of evaluating and monitoring these types of loans.  Furthermore, the repayment of loans secured by commercial and multi-family real estate is typically dependent upon the successful operation of the related real estate project.  If the cash flow from the project is reduced (for example, if leases are not obtained or renewed, or a bankruptcy court modifies a lease term, or a major tenant is unable to fulfill its lease obligations), the borrower’s ability to repay the loan may be impaired.
Agricultural Lending.  The Company originates loans to finance the purchase of farmland, livestock, farm machinery and equipment, seed, fertilizer and other farm-related products.  Agricultural operating loans are originated at either an adjustable or fixed-rate of interest for up to a one year term or, in the case of livestock, upon sale.  Such loans provide for payments of principal and interest at least annually or a lump sum payment upon maturity if the original term is less than one year.  Loans secured by agricultural machinery are generally originated as fixed-rate loans with terms of up to seven years.
Agricultural real estate loans are frequently originated with adjustable rates of interest.  Generally, such loans provide for a fixed rate of interest for the first five to ten years, which then balloon or adjust annually thereafter.  In addition, such loans generally amortize over a period of 20 to 25 years.  Fixed-rate agricultural real estate loans generally have terms up to ten years.  Agricultural real estate loans are generally limited to 75% of the value of the property securing the loan.
Agricultural lending affords the Company the opportunity to earn yields higher than those obtainable on one-to-four family residential lending.  Agricultural lending involves a greater degree of risk than one-to-four family residential mortgage loans because of the typically larger loan amount.  In addition, payments on loans are dependent on the successful operation or management of the farm property securing the loan or for which an operating loan is utilized.  The success of the loan may also be affected by many factors outside the control of the borrower.
Weather presents one of the greatest risks as hail, drought, floods, or other conditions, can severely limit crop yields and thus impair loan repayments and the value of the underlying collateral.  This risk can be reduced by the farmer with a variety of insurance coverages which can help to ensure loan repayment.  Government support programs and the Company generally require that farmers procure crop insurance coverage.  Grain and livestock prices also present a risk as prices may decline prior to sale, resulting in a failure to cover production costs.  These risks may be reduced by the farmer with the use of futures contracts or options to mitigate price risk.  The Company frequently requires borrowers to use futures contracts or options to reduce price risk and help ensure loan repayment.  Another risk is the uncertainty of government programs and other regulations.  During periods of low commodity prices, the income from government programs can be a significant source of cash for the borrower to make loan payments, and if these programs are discontinued or significantly changed, cash flow problems or defaults could result.  Finally, many farms are dependent on a limited number of key individuals upon whose injury or death may result in an inability to successfully operate the farm.
Consumer Lending – Retail Bank.  The Company, through the auspices of its “Retail Bank”, originates a variety of secured consumer loans, including home equity, home improvement, automobile, boat and loans secured by savings deposits.  In addition, the Retail Bank offers other secured and unsecured consumer loans.  The Retail Bank currently originates most of its consumer loans in its primary market area and surrounding areas.
The largest component of the Retail Bank’s consumer loan portfolio consists of home equity loans and lines of credit.  Substantially all of the Retail Bank’s home equity loans and lines of credit are secured by second mortgages on principal residences.  The Retail Bank will lend amounts which, together with all prior liens, may be up to 90% of the appraised value of the property securing the loan.
The Retail Bank primarily originates automobile loans on a direct basis.  Direct loans are loans made when the Retail Bank extends credit directly to the borrower, as opposed to indirect loans, which are made when the Retail Bank purchases loan contracts, often at a discount, from automobile dealers which have extended credit to their customers.  The Bank’s automobile loans typically are originated at fixed interest rates with terms up to 60 months for new and used vehicles.  Loans secured by automobiles are generally originated for up to 80% of the N.A.D.A. book value of the automobile securing the loan.
Consumer loan terms vary according to the type and value of collateral, length of contract and creditworthiness of the borrower.  The underwriting standards employed by the Bank for consumer loans include an application, a determination of the applicant’s payment history on other debts and an assessment of ability to meet existing obligations and payments on the proposed loan.  Although creditworthiness of the applicant is a primary consideration, the underwriting process also includes a comparison of the value of the security, if any, in relation to the proposed loan amount.
Consumer loans may entail greater credit risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or are secured by rapidly depreciable assets, such as automobiles or recreational equipment.  In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation.  In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus more likely to be affected by adverse personal circumstances.  Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.
Consumer Lending- Meta Payment Systems (“MPS”).  MPS has a loan committee, known as the MPS Credit Committee, consisting of members of Executive Management of the Company.  The committee is charged with monitoring, evaluating, and reporting portfolio performance and the overall credit risk posed by its credit products. All proposed credit programs must first be reviewed and approved by the committee before such programs are presented to the Bank’s Board of Directors for approval.  The Board of Directors of the Bank is ultimately responsible for final approval of any credit program.
The Company believes that well-managed, nationwide credit programs can help meet legitimate credit needs for prime and sub-prime borrowers, and affords the Company an opportunity to diversify the loan portfolio and minimize earnings exposure due to economic downturns.  Therefore, MPS designs and administers certain credit programs that seek to accomplish these objectives.
MPS strives to offer consumers innovative payment products, including credit products.  Most credit products have fallen into the category of portfolio lending.  MPS continues to work on new alternative portfolio lending products striving to serve its core customer base and provide unique and innovative lending solutions to the unbanked and under-banked segment.
A Portfolio Credit Policy which has been approved by the Board of Directors governs portfolio credit initiatives undertaken by MPS, whereby the Company retains some or all receivables and relies on the borrower as the underlying source of repayment.  Several portfolio lending programs also have a contractual provision that requires the Bank to be indemnified for credit losses that meet or exceed predetermined levels.  Such a program carries additional risks not commonly found in sponsorship programs, specifically funding and credit risk.  Therefore, MPS has strived to employ policies, procedures, and information systems that it believes commensurate with the added risk and exposure.
The Company recognizes concentrations of credit may naturally occur and may take the form of a large volume of related loans to an individual, a specific industry, a geographic location, or an occupation.  Credit concentration is a direct, indirect, or contingent obligation that has a common bond where the aggregate exposure equals or exceeds a certain percentage of the Bank’s Tier 1 Capital plus the Allowance for Loan Losses.  The MPS Credit Committee monitors and identifies the credit concentrations in accordance with the Bank’s concentration policy and evaluates the specific nature of each concentration to determine the potential risk to the Bank.  An evaluation includes the following:
	·	A recommendation regarding additional controls needed to mitigate the concentration exposure.
	·	A limitation or cap placed on the size of the concentration.
	·	The potential necessity for increased capital and/or credit reserves to cover the increased risk caused by the concentration(s).
	·	A strategy to reduce to acceptable levels those concentration(s) that are determined to create undue risk to the Bank.
Commercial Operating Lending.  The Company also originates commercial operating loans.  Most of the Company’s commercial operating loans have been extended to finance local and regional businesses and include short-term loans to finance machinery and equipment purchases, inventory and accounts receivable.  Commercial loans also involve the extension of revolving credit for a combination of equipment acquisitions and working capital in expanding companies.
The maximum term for loans extended on machinery and equipment is based on the projected useful life of such machinery and equipment.  Generally, the maximum term on non-mortgage lines of credit is one year.  The loan-to-value ratio on such loans and lines of credit generally may not exceed 80% of the value of the collateral securing the loan.  The Company’s commercial operating lending policy includes credit file documentation and analysis of the borrower’s character, capacity to repay the loan, the adequacy of the borrower’s capital and collateral as well as an evaluation of conditions affecting the borrower.  Analysis of the borrower’s past, present and future cash flows is also an important aspect of the Company’s current credit analysis.  Nonetheless, such loans are believed to carry higher credit risk than more traditional lending activities.
Unlike residential mortgage loans, which generally are made on the basis of the borrower’s ability to make repayment from his or her employment and other income and which are secured by real property whose value tends to be more easily ascertainable, commercial operating loans typically are made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  As a result, the availability of funds for the repayment of commercial operating loans may be substantially dependent on the success of the business itself (which, in turn, is likely to be dependent upon the general economic environment).  The Company’s commercial operating loans are usually, but not always, secured by business assets and personal guarantees.  However, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value based on the success of the business.
Premium Finance Receivables.  AFS/IBEX is a division of MetaBank that provides short-term, collateralized financing to facilitate the commercial customers’ purchase of insurance for various forms of risk otherwise known as insurance premium financing.  This includes, but is not limited to, policies for commercial property, casualty, and liability risk.  The AFS/IBEX division markets itself to the insurance community as a competitive option based on service, its reputation, competitive terms, cost and ease of operation.
Insurance premium financing is the business of extending credit to a policyholder to pay for insurance premiums when the insurance carrier requires payment in full at inception of coverage.  Premiums are advanced either directly to the insurance carrier or through an intermediary/broker and repaid by the policyholder with interest during the policy term.    The policyholder generally makes a 20% to 30% down payment to the insurance broker and finances the remainder over nine to ten months on average.  The down payment is set such that if the policy is cancelled, the unearned premium is typically sufficient to cover the loan balance and accrued interest.
Due to the nature of collateral for commercial premium finance receivables, it customarily takes 60-150 days to convert the collateral into cash. In the event of default, AFS/IBEX, by statute and contract, has the power to cancel the insurance policy and establish a first position lien on the unearned portion of the premium from the insurance carrier. In the event of cancellation, the cash returned in payment of the unearned premium by the insurer should typically be sufficient to cover the receivable balance, the interest and other charges due. Due to notification requirements and processing time by most insurance carriers, many receivables will become delinquent beyond 90 days while the insurer is processing the return of the unearned premium.  Management will continue to accrue interest until maturity as the unearned premium is ordinarily sufficient to pay-off the outstanding balance and contractual interest due.
Past due loans at March 31, 2015 and September 30, 2014 are as follows:
31-Mar-15		30-59 Days			60-89 Days			Greater Than			Total Past			Current			Non-Accrual			Total Loans
		Past Due			Past Due			90 Days			Due						Loans			Receivable
		(Dollars in Thousands)
1-4 Family Real Estate		$	22		$	-		$	-		$	22		$	115,639		$	80		$	115,741
Commercial and Multi-Family Real Estate			-			-			-			-			259,579			958			260,537
Agricultural Real Estate			-			-			-			-			65,720			-			65,720
Consumer			13			12			5			30			30,505			-			30,535
Commercial Operating			-			-			-			-			27,266			-			27,266
Agricultural Operating			4,409			-			-			4,409			37,304			36			41,749
Premium Finance			866			666			617			2,149			81,042			-			83,191
Total		$	5,310		$	678		$	622		$	6,610		$	617,055		$	1,074		$	624,739
30-Sep-14		30-59 Days			60-89 Days			Greater Than			Total Past			Current			Non-Accrual			Total Loans
		Past Due			Past Due			90 Days			Due						Loans			Receivable
		(Dollars in Thousands)
1-4 Family Real Estate		$	111		$	37		$	-		$	148		$	115,966		$	281		$	116,395
Commercial and Multi-Family Real Estate			-			-			-			-			223,990			312			224,302
Agricultural Real Estate			-			-			-			-			56,071			-			56,071
Consumer			2			12			54			68			29,261			-			29,329
Commercial Operating			-			-			-			-			30,846			-			30,846
Agricultural Operating			-			-			-			-			41,918			340			42,258
Total		$	113		$	49		$	54		$	216		$	498,052		$	933		$	499,201
When analysis of borrower operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan is evaluated for impairment.  Often this is associated with a delay or shortfall in payments of 210 days or more for premium finance loans and 90 days or more for other loan categories.  As of March 31, 2015, there were no Premium Finance loans greater than 210 days past due.
Impaired loans at March 31, 2015 and September 30, 2014 are as follows:
		Recorded Balance			Unpaid Principal Balance			Specific Allowance
31-Mar-15		(Dollars in Thousands)
Loans without a specific valuation allowance
1-4 Family Real Estate		$	181		$	213		$	-
Commercial and Multi-Family Real Estate			452			452			-
Agricultural Real Estate			-			-			-
Consumer			-			-			-
Commercial Operating			16			16			-
Agricultural Operating			-			-			-
Premium Finance			-			-			-
Total		$	649		$	681		$	-
Loans with a specific valuation allowance
1-4 Family Real Estate		$	-		$	-		$	-
Commercial and Multi-Family Real Estate			958			958			296
Agricultural Real Estate			-			-			-
Consumer			1			1			1
Commercial Operating			-			-			-
Agricultural Operating			6,134			6,184			326
Premium Finance			-			-			-
Total		$	7,093		$	7,143		$	623
		Recorded Balance			Unpaid Principal Balance			Specific Allowance
30-Sep-14		(Dollars in Thousands)
Loans without a specific valuation allowance
1-4 Family Real Estate		$	142		$	142		$	-
Commercial and Multi-Family Real Estate			4,375			4,375			-
Agricultural Real Estate			-			-			-
Consumer			-			-			-
Commercial Operating			22			22			-
Agricultural Operating			-			-			-
Total		$	4,539		$	4,539		$	-
Loans with a specific valuation allowance
1-4 Family Real Estate		$	245		$	245		$	23
Commercial and Multi-Family Real Estate			1,280			1,280			350
Agricultural Real Estate			-			-			-
Consumer			-			-			-
Commercial Operating			-			-			-
Agricultural Operating			340			340			340
Total		$	1,865		$	1,865		$	713
The following table provides the average recorded investment in impaired loans for the three and six month periods ended March 31, 2015 and 2014.
		Three Months Ended March 31,						Six Months Ended March 31,
		2015			2014			2015			2014
		Average Recorded Investment			Average Recorded Investment			Average Recorded Investment			Average Recorded Investment
		(Dollars in Thousands)
1-4 Family Real Estate		$	292		$	676		$	333		$	665
Commercial and Multi-Family Real Estate			1,421			7,512			2,834			7,370
Agricultural Real Estate			-			-			-			-
Consumer			-			-			-			-
Commercial Operating			19			37			20			41
Agricultural Operating			2,242			-			1,284			-
Premium Finance			-			-			-			-
Total		$	3,974		$	8,226		$	4,471		$	8,076
The Company’s troubled debt restructurings (“TDR”) typically involve forgiving a portion of interest or principal on existing loans or making loans at a rate materially less than current market rates. There were no loans modified in a TDR during the three and six month periods ended March 31, 2015 and 2014.  Additionally, there were no TDR loans for which there was a payment default during the three and six month periods ended March 31, 2015 and 2014 that had been modified during the 12-month period prior to the default.

ALLOWANCE_FOR_LOAN_LOSSES

ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Mar. 31, 2015
ALLOWANCE FOR LOAN LOSSES [Abstract]
ALLOWANCE FOR LOAN LOSSES	NOTE 4.	ALLOWANCE FOR LOAN LOSSES
	At March 31, 2015, the Company’s allowance for loan losses was $5.7 million, an increase of $0.3 million from $5.4 million at September 30, 2014.  During the six months ended March 31, 2015, the Company recorded a provision for loan losses of $0.6 million. In addition, the Company had $0.3 million net charge offs for the six months ended March 31, 2015, compared to net recoveries of $0.3 million for the six months ended March 31, 2014.
	The allowance for loan losses is established through a provision for loan losses based on management’s evaluation of the risk inherent in its loan portfolio and changes in the nature and volume of its loan activity, including those loans which are being specifically monitored by management.  Such evaluation, which includes a review of loans for which full collectability may not be reasonably assured, considers, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical loan loss experience and other factors that warrant recognition in providing for an appropriate loan loss allowance.
	Management closely monitors economic developments both regionally and nationwide, and considers these factors when assessing the appropriateness of its allowance for loan losses.  While the current economic environment is still slightly strained, it has begun to show signs of improvement in Meta Financial’s markets.  Meta Financial’s loss rates over the past three years were very low.  Notwithstanding these signs of improvement, Meta Financial does not believe it is likely these low loss conditions will continue indefinitely.  All of Meta Financial’s markets indirectly benefit from a good agricultural market.  Loss rates in the agricultural real estate and agricultural operating loan portfolios have been minimal in the past three years.  Management expects that future losses in this portfolio, which have been very low, could be higher than recent historical experience.  Management believes the low commodity prices and high land rents have the potential to negatively impact the economics of our agricultural markets.
	The allowance for loan losses established by MPS results from an estimation process that evaluates relevant characteristics of its credit portfolio.  MPS also considers other internal and external environmental factors such as changes in operations or personnel and economic events that may affect the adequacy of the allowance for credit losses.  Adjustments to the allowance for loan losses are recorded periodically based on the result of this estimation process.
	Management believes that, based on a detailed review of the loan portfolio, historic loan losses, current economic conditions, the size of the loan portfolio, and other factors, the current level of the allowance for loan losses at March 31, 2015, reflects an appropriate allowance against probable losses from the loan portfolio.  Although the Company maintains its allowance for loan losses at a level it considers to be adequate, investors and others are cautioned that there can be no assurance that future losses will not exceed estimated amounts, or that additional provisions for loan losses will not be required in future periods.  In addition, the Company’s determination of the allowance for loan losses is subject to review by the OCC, which can require the establishment of additional general or specific allowances.
	Real estate properties acquired through foreclosure are recorded at fair value.  If fair value at the date of foreclosure is lower than the balance of the related loan, the difference will be charged to the allowance for loan losses at the time of transfer.  Valuations are periodically updated by management and, if the value declines, a specific provision for losses on such property is established by a charge to operations.

EARNINGS_PER_COMMON_SHARE_EPS

EARNINGS PER COMMON SHARE ("EPS")	6 Months Ended
	Mar. 31, 2015
EARNINGS PER COMMON SHARE ("EPS") [Abstract]
EARNINGS PER COMMON SHARE ("EPS")	NOTE 5.	EARNINGS PER COMMON SHARE (“EPS”)
	Basic EPS is based on the net income divided by the weighted average number of common shares outstanding during the period.  Allocated Employee Stock Ownership Plan (“ESOP”) shares are considered outstanding for EPS calculations, as they are committed to be released; unallocated ESOP shares are not considered outstanding.  All ESOP shares were allocated as of March 31, 2015 and September 30, 2014.  Diluted EPS shows the dilutive effect of additional common shares issuable pursuant to stock option agreements.
	A reconciliation of net income and common stock share amounts used in the computation of basic and diluted EPS for the three and six months ended March 31, 2015 and 2014 is presented below.
	Three Months Ended March 31,		2015			2014
	(Dollars in Thousands, Except Share and Per Share Data)
	Earnings
	Net Income		$	5,181		$	4,144
	Basic EPS
	Weighted average common shares outstanding			6,546,071			6,119,679
	Less weighted average nonvested shares			(4,717	)		(4,967	)
	Weighted average common shares outstanding			6,541,354			6,114,712
	Earnings Per Common Share
	Basic		$	0.79		$	0.68
	Diluted EPS
	Weighted average common shares outstanding for basic earnings per common share			6,541,354			6,114,712
	Add dilutive effect of assumed exercises of stock options, net of tax benefits			60,060			100,282
	Weighted average common and dilutive potential common shares outstanding			6,601,414			6,214,994
	Earnings Per Common Share
	Diluted		$	0.78		$	0.67
	Six Months Ended March 31,		2015			2014
	(Dollars in Thousands, Except Share and Per Share Data)
	Earnings
	Net Income		$	8,776		$	8,146
	Basic EPS
	Weighted average common shares outstanding			6,362,921			6,098,892
	Less weighted average unallocated ESOP and nonvested shares			(4,327	)		(4,601	)
	Weighted average common shares outstanding			6,358,594			6,094,291
	Earnings Per Common Share
	Basic		$	1.38		$	1.34
	Diluted EPS
	Weighted average common shares outstanding for basic earnings per common share			6,358,594			6,094,291
	Add dilutive effect of assumed exercises of stock options, net of tax benefits			60,617			97,282
	Weighted average common and dilutive potential common shares outstanding			6,419,211			6,191,573
	Earnings Per Common Share
	Diluted		$	1.37		$	1.32
	Stock options totaling 29,199 were not considered in computing diluted EPS for the three and six months ended March 31, 2015, because they were not dilutive.  All stock options were considered in computing diluted EPS for the three months ended March 31, 2014.  Stock options totaling 29,199 were not considered in computing diluted EPS for the six months ended March 31, 2014, because they were not dilutive.

SECURITIES

SECURITIES	6 Months Ended
	Mar. 31, 2015
SECURITIES [Abstract]
SECURITIES	NOTE 6.	SECURITIES
	The amortized cost, gross unrealized gains and losses and estimated fair values of available for sale and held to maturity securities at March 31, 2015 and September 30, 2014 are presented below.
	Available For Sale		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
	At March 31, 2015				GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	23,685	$	43		$	(2,559	)		$	21,169
	Small business administration securities			35,977		1,390			-				37,367
	Non-bank qualified obligations of states and political subdivisions			462,441		6,058			(1,624	)			466,875
	Mortgage-backed securities			674,166		4,403			(2,410	)			676,159
	Total debt securities			1,196,269		11,894			(6,593	)			1,201,570
	Common equities and mutual funds			639		331			(4	)			966
	Total available for sale securities		$	1,196,908	$	12,225		$	(6,597	)		$	1,202,536
	At September 30, 2014		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
					GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	48,747	$	191		$	(2,009	)		$	46,929
	Small business administration securities			66,541		543			(72	)			67,012
	Non-bank qualified obligations of states and political subdivisions			368,897		2,494			(3,811	)			367,580
	Mortgage-backed securities			663,690		3,519			(9,339	)			657,870
	Total available for sale securities			1,147,875		6,747			(15,231	)			1,139,391
	Common equities and mutual funds			539		291			(5	)			825
	Total available for sale securities		$	1,148,414	$	7,038		$	(15,236	)		$	1,140,216
	Held to Maturity		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
	At March 31, 2015				GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions		$	19,414	$	45		$	(205	)		$	19,254
	Non-bank qualified obligations of states and political subdivisions			222,982		1,995			(310	)			224,667
	Mortgage-backed securities			68,666		5			(593	)			68,078
	Total held to maturity securities		$	311,062	$	2,045		$	(1,108	)		$	311,999
	At September 30, 2014		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
					GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions		$	19,304	$	48		$	(372	)		$	18,980
	Non-bank qualified obligations of states and political subdivisions			193,595		894			(2,329	)			192,160
	Mortgage-backed securities			70,034		-			(1,862	)			68,172
	Total held to maturity securities		$	282,933	$	942		$	(4,563	)		$	279,312
	Included in securities available for sale are trust preferred securities as follows:
	At March 31, 2015		Amortized Cost		Fair Value			Unrealized			S&P		Moody's
								Gain (Loss)			Credit Rating		Credit Rating
	Issuer(1)
			(Dollars in Thousands)
	Key Corp. Capital I		$	4,986	$	4,165		$	(821	)	BB+		Baa3
	Huntington Capital Trust II SE			4,978		4,000			(978	)	BB		Baa3
	PNC Capital Trust			4,963		4,320			(643	)	BBB-		Baa2
	Wells Fargo (Corestates Capital) Trust			4,466		4,350			(116	)	BBB+		A3
	Total		$	19,393	$	16,835		$	(2,558	)
	-1	Trust preferred securities are single-issuance.  There are no known deferrals, defaults or excess subordination.
	At September 30, 2014		Amortized Cost		Fair Value			Unrealized			S&P		Moody's
								Gain (Loss)			Credit Rating		Credit Rating
	Issuer(1)
			(Dollars in Thousands)
	Key Corp. Capital I		$	4,985	$	4,400		$	(585	)	BB+		Baa3
	Huntington Capital Trust II SE			4,977		4,300			(677	)	BB		Baa3
	PNC Capital Trust			4,962		4,400			(562	)	BBB-		Baa2
	Wells Fargo (Corestates Capital) Trust			4,444		4,400			(44	)	BBB+		A3
	Total		$	19,368	$	17,500		$	(1,868	)
-1	Trust preferred securities are single-issuance.  There are no known deferrals, defaults or excess subordination.
Management has implemented a processes to identify securities that could potentially have a credit impairment that is other-than-temporary.  This process can include, but is not limited to, evaluating the length of time and extent to which the fair value has been less than the amortized cost basis, reviewing available information regarding the financial position of the issuer, interest or dividend payment status, monitoring the rating of the security, monitoring changes in value, and projecting cash flows.  Management also determines whether the Company intends to sell a security or whether it is more likely than not we will be required to sell the security before the recovery of its amortized cost basis which, in some cases, may extend to maturity.  To the extent we determine that a security is deemed to be other-than-temporarily impaired, an impairment loss is recognized.
For all securities considered temporarily impaired, the Company does not intend to sell these securities and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost, which may occur at maturity.  The Company believes collection will occur for all principal and interest due on all investments with amortized cost in excess of fair value and considered only temporarily impaired.
Generally accepted accounting principles require that, at acquisition, an enterprise classify debt securities into one of three categories: Available for sale (“AFS”), Held to Maturity (“HTM”) or trading. AFS securities are carried at fair value on the consolidated statements of financial condition, and unrealized holding gains and losses are excluded from earnings and recognized as a separate component of equity in accumulated other comprehensive income (“AOCI”). HTM debt securities are measured at amortized cost. Both AFS and HTM are subject to review for other-than-temporary impairment. Meta Financial has no trading securities.
Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2015 and September 30, 2014, are as follows:
Available For Sale		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
At March 31, 2015		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
		Value		(Losses)			Value				(Losses)			Value		(Losses)
		(Dollars in Thousands)
Debt securities
Trust preferred and corporate securities		$	-	$	-		$	16,835			$	(2,559	)	$	16,835	$	(2,559	)
Non-bank qualified obligations of states and political subdivisions			74,300		(778	)		53,874				(846	)		128,174		(1,624	)
Mortgage-backed securities			204,364		(1,010	)		124,913				(1,400	)		329,277		(2,410	)
Total debt securities			278,664		(1,788	)		195,622				(4,805	)		474,286		(6,593	)
Common equities and mutual funds			-		-			123				(4	)		123		(4	)
Total available for sale securities		$	278,664	$	(1,788	)	$	195,745			$	(4,809	)	$	474,409	$	(6,597	)
		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
At September 30, 2014		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
		Value		(Losses)			Value				(Losses)			Value		(Losses)
		(Dollars in Thousands)
Debt securities
Trust preferred and corporate securities		$	6,073	$	(47	)	$	25,359			$	(1,962	)	$	31,432	$	(2,009	)
Small Business Administration securities			8,454		(72	)		-				-			8,454		(72	)
Non-bank qualified obligations of states and political subdivisions			27,062		(70	)		191,146				(3,741	)		218,208		(3,811	)
Mortgage-backed securities			238,980		(1,248	)		234,347				(8,091	)		473,327		(9,339	)
Total available for sale securities			280,569		(1,437	)		450,852				(13,794	)		731,421		(15,231	)
Common equities and mutual funds			123		(5	)		-				-			123		(5	)
Total available for sale securities		$	280,692	$	(1,442	)	$	450,852			$	(13,794	)	$	731,544	$	(15,236	)
Held To Maturity		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
At March 31, 2015		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
		Value		(Losses)			Value				(Losses)			Value		(Losses)
		(Dollars in Thousands)
Debt securities
Obligations of states and political subdivisions		$	4,461	$	(54	)	$	9,938			$	(151	)	$	14,399	$	(205	)
Non-bank qualified obligations of states and political subdivisions			18,183		(106	)		40,685				(204	)		58,868		(310	)
Mortgage-backed securities			-		-			65,482				(593	)		65,482		(593	)
Total held to maturity securities		$	22,644	$	(160	)	$	116,105			$	(948	)	$	138,749	$	(1,108	)
		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
At September 30, 2014		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
		Value		(Losses)			Value				(Losses)			Value		(Losses)
		(Dollars in Thousands)
Debt securities
Obligations of states and political subdivisions			1,056		(2	)		14,079				(370	)		15,135		(372	)
Non-bank qualified obligations of states and political subdivisions			-		-			147,949				(2,329	)		147,949		(2,329	)
Mortgage-backed securities			-		-			68,172				(1,862	)		68,172		(1,862	)
Total held to maturity securities		$	1,056	$	(2	)	$	230,200			$	(4,561	)	$	231,256	$	(4,563	)
At March 31, 2015, the investment portfolio included securities with current unrealized losses which have existed for longer than one year.  All of these securities are considered to be acceptable credit risks.  Because the declines in fair value were due to changes in market interest rates, not in estimated cash flows, and the Company does not intend to sell these securities (has not made a decision to sell) and it is not more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, which may occur at maturity, no other-than-temporary impairment was recorded at March 31, 2015.
The amortized cost and fair value of debt securities by contractual maturity are shown below.  Certain securities have call features which allow the issuer to call the security prior to maturity.  Expected maturities may differ from contractual maturities in mortgage-backed securities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Therefore, mortgage-backed securities are not included in the maturity categories in the following maturity summary.  The expected maturities of certain Small Business Administration securities may differ from contractual maturities because the borrowers may have the right to prepay the obligation. However, certain prepayment penalties may apply.
Available For Sale		AMORTIZED		FAIR
		COST		VALUE
At March 31, 2015		(Dollars in Thousands)
Due in one year or less		$	3,000	$	3,017
Due after one year through five years			1,183		1,214
Due after five years through ten years			300,668		306,344
Due after ten years			217,252		214,836
			522,103		525,411
Mortgage-backed securities			674,166		676,159
Common equities and mutual funds			639		966
Total available for sale securities		$	1,196,908	$	1,202,536
		AMORTIZED		FAIR
		COST		VALUE
30-Sep-14		(Dollars in Thousands)
Due in one year or less		$	2,999	$	3,048
Due after one year through five years			9,922		10,079
Due after five years through ten years			285,413		285,698
Due after ten years			185,851		182,696
			484,185		481,521
Mortgage-backed securities			663,690		657,870
Common equities and mutual funds			539		825
Total available for sale securities		$	1,148,414	$	1,140,216
Held To Maturity		AMORTIZED		FAIR
		COST		VALUE
At March 31, 2015		(Dollars in Thousands)
Due in one year or less		$	95	$	95
Due after one year through five years			5,357		5,341
Due after five years through ten years			111,639		111,880
Due after ten years			125,305		126,605
			242,396		243,921
Mortgage-backed securities			68,666		68,078
Total held to maturity securities		$	311,062	$	311,999
		AMORTIZED		FAIR
		COST		VALUE
30-Sep-14		(Dollars in Thousands)
Due in one year or less		$	347	$	348
Due after one year through five years			4,726		4,718
Due after five years through ten years			91,532		89,984
Due after ten years			116,294		116,090
			212,899		211,140
Mortgage-backed securities			70,034		68,172
Total held to maturity securities		$	282,933	$	279,312

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Mar. 31, 2015
COMMITMENTS AND CONTINGENCIES [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 7.	COMMITMENTS AND CONTINGENCIES
	In the normal course of business, the Bank makes various commitments to extend credit which are not reflected in the accompanying consolidated financial statements.
	At March 31, 2015 and September 30, 2014, unfunded loan commitments approximated $81.6 million and $96.0 million respectively, excluding undisbursed portions of loans in process.  These unfunded loan commitments were principally for variable rate loans.  Commitments, which are disbursed subject to certain limitations, extend over various periods of time.  Generally, unused commitments are canceled upon expiration of the commitment term as outlined in each individual contract.
	At March 31, 2015, the Company had four commitments to purchase securities available for sale totaling $10.9 million.  The Company had no commitments to purchase securities at September 30, 2014.
	The exposure to credit loss in the event of nonperformance by other parties to financial instruments for commitments to extend credit is represented by the contractual amount of those instruments.  The same credit policies and collateral requirements are used in making commitments and conditional obligations as are used for on-balance-sheet instruments.
	Since certain commitments to make loans and to fund lines of credit and loans in process expire without being used, the amount does not necessarily represent future cash commitments.  In addition, commitments used to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.
	Legal Proceedings
	The Bank was served on April 15, 2013, with a lawsuit captioned Inter National Bank v. NetSpend Corporation, MetaBank, BDO USA, LLP d/b/a BDO Seidman, Cause No. C-2084-12-I filed in the District Court of Hidalgo County, Texas. The Plaintiff’s Second Amended Original Petition and Application for Temporary Restraining Order and Temporary Injunction adds both MetaBank and BDO Seidman to the original causes of action against NetSpend. NetSpend acts as a prepaid card program manager and processor for both INB and MetaBank. According to the Petition, NetSpend has informed Inter National Bank (“INB”) that the depository accounts at INB for the NetSpend program supposedly contained $10.5 million less than they should. INB alleges that NetSpend has breached its fiduciary duty by making affirmative misrepresentations to INB about the safety and stability of the program, and by failing to timely disclose the nature and extent of any alleged shortfall in settlement of funds related to cardholder activity and the nature and extent of NetSpend’s systemic deficiencies in its accounting and settlement processing procedures. To the extent that an accounting reveals that there is an actual shortfall, INB alleges that MetaBank may be liable for portions or all of said sum due to the fact that funds have been transferred from INB to MetaBank, and thus MetaBank would have been unjustly enriched. The Bank is vigorously contesting this matter.  In January 2014, NetSpend was granted summary judgment in this matter which is under appeal.  Because the theory of liability against both NetSpend and the Bank is the same, the Bank views the NetSpend summary judgment as a positive in support of our position.  An estimate of a range of reasonably possible loss cannot be made at this stage of the litigation because discovery is still being conducted.
	Certain corporate clients of an unrelated company named Springbok Services, Inc. (“Springbok”) requested through counsel a mediation as a means of reaching a settlement in lieu of commencing litigation against MetaBank. The results of that mediation have not led to a settlement. These claimants purchased MetaBank prepaid reward cards from Springbok, prior to Springbok’s bankruptcy. As a result of Springbok’s bankruptcy and cessation of business, some of the rewards cards which had been purchased were never activated or funded. Counsel for these companies have indicated that they are prepared to assert claims totaling approximately $1.5 million against MetaBank based on principal/agency or failure to supervise theories. The Company denies liability with respect to these claims. The Company’s estimate of a range of reasonably possible loss is approximately $0 to $0.3 million.
	Other than the matters set forth above, there are no other new material pending legal proceedings or updates to which the Company or its subsidiaries is a party other than ordinary litigation routine to their respective businesses.

STOCK_OPTION_PLAN

STOCK OPTION PLAN	6 Months Ended
	Mar. 31, 2015
STOCK OPTION PLAN [Abstract]
STOCK OPTION PLAN	NOTE 8.	STOCK OPTION PLAN
	The Company maintains the 2002 Omnibus Incentive Plan, as amended and restated, which, among other things, provides for the awarding of stock options and nonvested (restricted) shares to certain officers and directors of the Company.  Awards are granted by the Compensation Committee of the Board of Directors based on the performance of the award recipients or other relevant factors.
	Compensation expense for share based awards is recorded over the vesting period at the fair value of the award at the time of grant.  The exercise price of options or fair value of nonvested shares granted under the Company’s incentive plans is equal to the fair market value of the underlying stock at the grant date.  The Company assumes no projected forfeitures on its stock based compensation, since actual historical forfeiture rates on its stock based incentive awards has been negligible.
	The following tables show the activity of options and nonvested (restricted) shares granted, exercised, or forfeited under all of the Company’s option and incentive plans for the six months ended March 31, 2015:
			Number			Weighted		Weighted		Aggregate
			of			Average		Average		Intrinsic
			Shares			Exercise		Remaining		Value
						Price		Contractual
								Term (Yrs)
			(Dollars in Thousands, Except Share and Per Share Data)
	Options outstanding, September 30, 2014			235,766		$	25.2		3.78	$	2,507
	Granted			-			-		-		-
	Exercised			-			-		-		-
	Forfeited or expired			-			-		-		-
	Options outstanding, March 31, 2015			235,766		$	25.2		3.29	$	3,430
	Options exercisable, March 31, 2015			235,766		$	25.2		3.29	$	3,430
			Number of			Weighted
			Shares			Average
						Fair Value
						at Grant
	(Dollars in Thousands, Except Share and Per Share Data)
	Nonvested shares outstanding, September 30, 2014			4,000		$	28.61
	Granted			5,200			35.14
	Vested			(5,450	)		33.62
	Forfeited or expired			-			-
	Nonvested shares outstanding, March 31, 2015			3,750		$	30.38
	At March 31, 2015, stock based compensation expense not yet recognized in income totaled $63,000, which is expected to be recognized over a weighted average remaining period of 1.73 years.

SEGMENT_INFORMATION

SEGMENT INFORMATION	6 Months Ended
	Mar. 31, 2015
SEGMENT INFORMATION [Abstract]
SEGMENT INFORMATION	NOTE 9.	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 its offices are located. The second reportable segment, MPS, is also a division of the Bank.  MPS provides a number of products and services to financial institutions and other businesses.  These products and services include issuance of prepaid debit cards, sponsorship of Automated Teller Machines into the debit networks, credit programs, Automated Clearing House (“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 as well as specialty lending.
	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 and six months ended March 31, 2015 and 2014, respectively.
			Retail			Meta Payment			All Others			Total
			Banking			Systems®
	Three Months Ended March 31, 2015
	Interest income		$	8,560		$	5,281		$	1,918			15,759
	Interest expense			282			46			145			473
	Net interest income (expense)			8,278			5,235			1,773			15,286
	Provision (recovery) for loan losses			400			-			193			593
	Non-interest income			885			13,608			477			14,970
	Non-interest expense			5,286			15,878			2,256			23,420
	Income (loss) before income tax expense (benefit)			3,477			2,965			(199	)		6,243
	Income tax expense (benefit)			633			561			(132	)		1,062
	Net income (loss)		$	2,844		$	2,404		$	(67	)	$	5,181
	Inter-segment revenue (expense)		$	(4,084	)		4,084		$	-		$	-
	Total assets			478,295			1,693,538			103,259			2,275,092
	Total deposits			204,728			1,533,716			(7,772	)		1,730,672
			Retail			Meta Payment			All Others			Total
			Banking			Systems®
	Six Months Ended March 31, 2015
	Interest income		$	17,316		$	10,170		$	2,505		$	29,991
	Interest expense			788			91			255			1,134
	Net interest income (expense)			16,528			10,079			2,250			28,857
	Provision (recovery) for loan losses			400			-			241			641
	Non-interest income			319			26,660			665			27,644
	Non-interest expense			11,160			31,733			2,940			45,833
	Income (loss) before income tax expense (benefit)			5,287			5,006			(266	)		10,027
	Income tax expense (benefit)			540			898			(187	)		1,251
	Net income (loss)		$	4,747		$	4,108		$	(79	)	$	8,776
	Inter-segment revenue (expense)		$	(7,980	)	$	7,980		$	-		$	-
	Total assets			478,295			1,693,538			103,259			2,275,092
	Total deposits			204,728			1,533,716			(7,772	)		1,730,672
			Retail			Meta Payment			All Others			Total
			Banking			Systems®
	Three Months Ended March 31, 2014
	Interest income		$	7,797		$	4,266		$	-		$	12,063
	Interest expense			402			31			111			544
	Net interest income (expense)			7,395			4,235			(111	)		11,519
	Provision (recovery) for loan losses			300			-			-			300
	Non-interest income			1,058			12,005			-			13,063
	Non-interest expense			5,622			13,988			133			19,743
	Income (loss) before income tax expense (benefit)			2,531			2,252			(244	)		4,539
	Income tax expense (benefit)			220			266			(91	)		395
	Net income (loss)		$	2,311		$	1,986		$	(153	)	$	4,144
	Inter-segment revenue (expense)		$	3,410		$	(3,410	)	$	-		$	-
	Total assets			459,500			1,427,772			3,285			1,890,557
	Total deposits			210,032			1,292,438			(7,310	)		1,495,160
			Retail			Meta Payment			All Others			Total
			Banking			Systems®
	Six Months Ended March 31, 2014
	Interest income		$	15,259		$	7,966		$	-		$	23,225
	Interest expense			911			57			225			1,193
	Net interest income (expense)			14,348			7,909			(225	)		22,032
	Provision (recovery) for loan losses			300			-			-			300
	Non-interest income			1,808			24,842			-			26,650
	Non-interest expense			10,454			27,715			635			38,804
	Income (loss) before income tax expense (benefit)			5,402			5,036			(860	)		9,578
	Income tax expense (benefit)			836			905			(309	)		1,432
	Net income (loss)		$	4,566		$	4,131		$	(551	)	$	8,146
	Inter-segment revenue (expense)		$	6,626		$	(6,626	)	$	-		$	-
	Total assets			459,500			1,427,772			3,285			1,890,557
	Total deposits			210,032			1,292,438			(7,310	)		1,495,160
The following tables present gross profit data for MPS for the three and six months ended March 31, 2015 and 2014.
Three Months Ended March 31,		2015			2014
Interest income		$	5,281		$	4,266
Interest expense			46			31
Net interest income			5,235			4,235
Provision (recovery) for loan losses			-			-
Non-interest income			13,608			12,005
Card processing expense			3,804			3,563
Gross Profit			15,039			12,677
Other non-interest expense			12,074			10,425
Income (loss) before income tax expense (benefit)			2,965			2,252
Income tax expense (benefit)			561			266
Net Income (Loss)		$	2,404		$	1,986
Six Months Ended March 31,		2015			2014
Interest income		$	10,170		$	7,966
Interest expense			91			57
Net interest income			10,079			7,909
Provision (recovery) for loan losses			-			-
Non-interest income			26,660			24,842
Card processing expense			8,495			7,800
Gross Profit			28,244			24,951
Other non-interest expense			23,238			19,915
Income (loss) before income tax expense (benefit)			5,006			5,036
Income tax expense			898			905
Net Income		$	4,108		$	4,131

NEW_ACCOUNTING_PRONOUNCEMENTS

NEW ACCOUNTING PRONOUNCEMENTS	6 Months Ended
	Mar. 31, 2015
NEW ACCOUNTING PRONOUNCEMENTS [Abstract]
NEW ACCOUNTING PRONOUNCEMENTS	NOTE 10.	NEW ACCOUNTING PRONOUNCEMENTS
	Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans Upon Foreclosure
	This ASU provides guidance on when a loan should be derecognized and collateral assets recognized during an in substance repossession or foreclosure.  The objective of this ASU is to eliminate diversity in practice related to the topic.  The ASU states creditors are considered to have physical possession of residential real estate property when either the creditor obtains title for the property or the borrower transfers all interest in the property through a deed or other legal agreement.  When physical possession occurs, the loan should be derecognized and collateral assets recognized.  This update is effective for annual and interim periods beginning after December 15, 2014, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2014-09, Revenue Recognition – Revenue from Contracts with Customers (Topic 606)
	This ASU provides guidance on when to recognize revenue from contracts with customers.  The objective of this ASU is to eliminate diversity in practice related to this topic and to develop guidance that would streamline and enhance revenue recognition requirements.  The ASU defines five steps to recognize revenue including, identify the contract with a customer, identify the performance obligations in the contract, determine a transaction price, allocate the transaction price to the performance obligations and then recognize the revenue when or as the entity satisfies a performance obligation.  This update is effective for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period, and the Company is currently assessing the potential impact to the consolidated financial statements.
	ASU No. 2014-14, Troubled Debt Restructuring by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure
	This ASU provides guidance on how to account for certain foreclosed government-guaranteed mortgage loans.  The creditor should recognize a separate other receivable in the amount the creditor expects to recover from the guarantor.  This update is effective for annual and interim periods beginning after December 15, 2014, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2015-01, Income Statement, Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items
	This ASU eliminates the concept of extraordinary items from U.S. GAAP.  The ASU does not affect disclosure guidance for events or transactions that are unusual in nature or infrequent in their occurrence.  This update is effective for annual and interim periods beginning after December 15, 2015, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis
	This ASU changes the way reporting enterprises evaluate whether (a) they should consolidate limited partnerships and similar entities, (b) fees paid to a decision maker or service provider are variable interests in a variable interest entity (“VIE”), and (c) variable interests in a VIE held by related parties of the reporting enterprise require the reporting enterprise to consolidate the VIE. It also eliminates the VIE consolidation model based on majority exposure to variability that applied to certain investment companies and similar entities.  This update is effective for annual and interim periods beginning after December 15, 2015, and is not expected to have a material impact on the Company’s consolidated financial statements.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Mar. 31, 2015
FAIR VALUE MEASUREMENTS [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 11.	FAIR VALUE MEASUREMENTS
	Accounting Standards Codification (“ASC”) 820, Fair Value Measurements defines fair value, establishes a framework for measuring the fair value of assets and liabilities using a hierarchy system and requires disclosures about fair value measurement.  It clarifies that fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants in the market in which the reporting entity transacts.
	The fair value hierarchy is as follows:
	Level 1 Inputs – Valuation is based upon quoted prices for identical instruments traded in active markets that the Company has the ability to access at measurement date.
	Level 2 Inputs – Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which significant assumptions are observable in the market.
	Level 3 Inputs – Valuation is generated from model-based techniques that use significant assumptions not observable in the market and are used only to the extent that observable inputs are not available.  These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.
	Securities Available for Sale and Held to Maturity.  Securities available for sale are recorded at fair value on a recurring basis and securities held to maturity are carried at amortized cost.  Fair value measurement is based upon quoted prices, if available.  If quoted prices are not available, fair values are measured using an independent pricing service.  For both Level 1 and Level 2 securities, management uses various methods and techniques to corroborate prices obtained from the pricing service, including but not limited to reference to dealer or other market quotes, and by reviewing valuations of comparable instruments.  The Company’s Level 1 securities include equity securities and mutual funds.  Level 2 securities include U.S. Government agency and instrumentality securities, U.S. Government agency and instrumentality mortgage-backed securities, municipal bonds, corporate debt securities and trust preferred securities.  The Company had no Level 3 securities at March 31, 2015 or September 30, 2014.
	The fair values of securities are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or valuation based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model based valuation techniques for which significant assumptions are observable in the market (Level 2 inputs).  The Company considers these valuations supplied by a third party provider which utilizes several sources for valuing fixed-income securities.  These sources include Interactive Data Corporation, Reuters, Standard and Poor’s, Bloomberg Financial Markets, Street Software Technology, and the third party provider’s own matrix and desk pricing.  The Company, no less than annually, reviews the third party’s methods and source’s methodology for reasonableness and to ensure an understanding of inputs utilized in determining fair value.  Sources utilized by the third party provider include but are not limited to pricing models that vary based by asset class and include available trade, bid, and other market information.  This methodology includes but is not limited to broker quotes, proprietary models, descriptive terms and conditions databases, as well as extensive quality control programs. Monthly, the Company receives and compares prices provided by multiple securities dealers and pricing providers to validate the accuracy and reasonableness of prices received from the third party provider. On a monthly basis, the Investment Committee reviews mark-to-market changes in the securities portfolio for reasonableness.
	The following table summarizes the fair values of securities available for sale and held to maturity at March 31, 2015 and September 30, 2014.  Securities available for sale are measured at fair value on a recurring basis, while securities held to maturity are carried at amortized cost in the consolidated statements of financial condition.
			Fair Value at March 31, 2015
			Available For Sale									Held to Maturity
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
	Debt securities
	Trust preferred and corporate securities		$	21,169		$	-	$	21,169	$	-	$	-	$	-	$	-	$	-
	Small business administration securities			37,367			-		37,367		-		-		-		-		-
	Obligations of states and political subdivisions			-			-		-		-		19,254		-		19,254		-
	Non-bank qualified obligations of states and political subdivisions			466,875			-		466,875		-		224,667		-		224,667		-
	Mortgage-backed securities			676,159			-		676,159		-		68,078		-		68,078		-
	Total debt securities			1,201,570			-		1,201,570		-		311,999		-		311,999		-
	Common equities and mutual funds			966			966		-		-		-		-		-		-
	Total securities		$	1,202,536		$	966	$	1,201,570	$	-	$	311,999	$	-	$	311,999	$	-
			Fair Value at September 30, 2014
			Available For Sale									Held to Maturity
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
	Debt securities
	Trust preferred and corporate securities		$	46,929		$	-	$	46,929	$	-	$	-	$	-	$	-	$	-
	Small business administration securities			67,012			-		67,012		-		-		-		-		-
	Obligations of states and political subdivisions			-			-		-		-		18,980		-		18,980		-
	Non-bank qualified obligations of states and political subdivisions			367,580			-		367,580		-		192,160		-		192,160		-
	Mortgage-backed securities			657,870			-		657,870		-		68,172		-		68,172		-
	Total debt securities			1,139,391			-		1,139,391		-		279,312		-		279,312		-
	Common equities and mutual funds			825			825		-		-		-		-		-		-
	Total securities		$	1,140,216		$	825	$	1,139,391	$	-	$	279,312	$	-	$	279,312	$	-
	Foreclosed Real Estate and Repossessed Assets.  Real estate properties and repossessed assets are initially recorded at the fair value less selling costs at the date of foreclosure, establishing a new cost basis.  The carrying amount represents the lower of the new cost basis or the fair value less selling costs of foreclosed assets that were measured at fair value subsequent to their initial classification as foreclosed assets.
	Loans.  The Company does not record loans at fair value on a recurring basis.  However, if a loan is considered impaired, an allowance for loan losses is established.  Once a loan is identified as individually impaired, management measures impairment in accordance with ASC 310, Receivables.
	The following table summarizes the assets of the Company that are measured at fair value in the consolidated statements of financial condition on a non-recurring basis as of March 31, 2015 and September 30, 2014.
			Fair Value at March 31, 2015
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3
	Impaired Loans, net
	One to four family residential mortgage loans		$	54		$	-	$	-	$	54
	Commercial and multi-family real estate loans			662			-		-		662
	Agricultural operating loans			5,808			-		-		5,808
	Total Impaired Loans			6,524			-		-		6,524
	Foreclosed Assets, net			-			-		-		-
	Total		$	6,524		$	-	$	-	$	6,524
			Fair Value at September 30, 2014
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3
	Impaired Loans, net
	One to four family residential mortgage loans		$	222		$	-	$	-	$	222
	Commercial and multi-family real estate loans			930			-		-		930
	Total Impaired Loans			1,152			-		-		1,152
	Foreclosed Assets, net			15			-		-		15
	Total		$	1,167		$	-	$	-	$	1,167
			Quantitative Information About Level 3 Fair Value Measurements
	(Dollars in Thousands)		Fair Value at		Valuation Technique	Unobservable Input
			31-Mar-15
	Impaired Loans, net		$	6,524	Market approach	Appraised values (1)
	Foreclosed Assets, net			-	Market approach	Appraised values (1)
	-1	The Company generally relies on external appraisers to develop this information.  Management reduced the appraised value by estimated selling costs in a range of 4% to 10%.
			Quantitative Information About Level 3 Fair Value Measurements
	(Dollars in Thousands)		Fair Value at		Valuation Technique	Unobservable Input
			30-Sep-14
	Impaired Loans, net		$	1,152	Market approach	Appraised values (1)
	Foreclosed Assets, net			15	Market approach	Appraised values (1)
-1	The Company generally relies on external appraisers to develop this information.  Management reduced the appraised value by estimated selling costs in a range of 4% to 10%.
The following table discloses the Company’s estimated fair value amounts of its financial instruments.  It is management’s belief that the fair values presented below are reasonable based on the valuation techniques and data available to the Company as of March 31, 2015 and September 30, 2014, as more fully described below.  The operations of the Company are managed from a going concern basis and not a liquidation basis.  As a result, the ultimate value realized for the financial instruments presented could be substantially different when actually recognized over time through the normal course of operations.  Additionally, a substantial portion of the Company’s inherent value is the Bank’s capitalization and franchise value.  Neither of these components have been given consideration in the presentation of fair values below.
The following presents the carrying amount and estimated fair value of the financial instruments held by the Company at March 31, 2015 and September 30, 2014.
		31-Mar-15
		Carrying			Estimated		Level 1		Level 2		Level 3
		Amount			Fair Value
		(Dollars in Thousands)
Financial assets
Cash and cash equivalents		$	24,883		$	24,883	$	24,883	$	-	$	-
Securities available for sale			1,202,536			1,202,536		966		1,201,570		-
Securities held to maturity			311,062			311,999		-		311,999		-
Total securities			1,513,598			1,514,535		966		1,513,569		-
Loans receivable:
One to four family residential mortgage loans			115,741			111,355		-		-		111,355
Commercial and multi-family real estate loans			260,537			270,464		-		-		270,464
Agricultural real estate loans			65,720			66,500		-		-		66,500
Consumer loans			30,535			30,889		-		-		30,889
Commercial operating loans			27,266			21,746		-		-		21,746
Agricultural operating loans			41,749			43,101		-		-		43,101
Premium finance			83,191			86,196		-		-		86,196
Total loans receivable			624,739			630,251		-		-		630,251
Federal Home Loan Bank stock			13,250			13,250		-		13,250		-
Accrued interest receivable			12,466			12,466		12,466		-		-
Financial liabilities
Noninterest bearing demand deposits			1,558,459			1,558,459		1,558,459		-		-
Interest bearing demand deposits, savings, and money markets			110,541			110,541		110,541		-		-
Certificates of deposit			61,672			61,790		-		61,790		-
Total deposits			1,730,672			1,730,791		1,669,001		61,790		-
Advances from Federal Home Loan Bank			7,000			8,741		-		8,741		-
Federal funds purchased			261,000			261,000				261,000
Securities sold under agreements to repurchase			11,637			11,637		-		11,637		-
Subordinated debentures			10,310			10,413		-		10,413		-
Accrued interest payable			160			160		160		-		-
		30-Sep-14
		Carrying			Estimated		Level 1		Level 2		Level 3
		Amount			Fair Value
		(Dollars in Thousands)
Financial assets
Cash and cash equivalents		$	29,832		$	29,832	$	29,832	$	-	$	-
Securities available for sale			1,140,216			1,140,216		825		1,139,391		-
Securities held to maturity			282,933			279,312		-		279,312		-
Total securities			1,423,149			1,419,528		825		1,418,703		-
Loans receivable:
One to four family residential mortgage loans			116,395			111,254		-		-		111,254
Commercial and multi-family real estate loans			224,302			234,845		-		-		234,845
Agricultural real estate loans			56,071			58,651		-		-		58,651
Consumer loans			29,329			29,580		-		-		29,580
Commercial operating loans			30,846			25,660		-		-		25,660
Agricultural operating loans			42,258			44,398		-		-		44,398
Total loans receivable			499,201			504,388		-		-		504,388
Federal Home Loan Bank stock			21,245			21,245		-		21,245		-
Accrued interest receivable			11,222			11,222		11,222		-		-
Financial liabilities
Noninterest bearing demand deposits			1,126,715			1,126,715		1,126,715		-		-
Interest bearing demand deposits, savings, and money markets			105,273			105,273		105,273		-		-
Certificates of deposit			134,553			134,746		-		134,746		-
Total deposits			1,366,541			1,366,734		1,231,988		134,746		-
Advances from Federal Home Loan Bank			7,000			8,789		-		8,789		-
Federal funds purchased			470,000			470,000		-		470,000		-
Securities sold under agreements to repurchase			10,411			10,411		-		10,411		-
Subordinated debentures			10,310			10,415		-		10,415		-
Accrued interest payable			318			318		318		-		-
The following sets forth the methods and assumptions used in determining the fair value estimates for the Company’s financial instruments at March 31, 2015 and September 30, 2014.
CASH AND CASH EQUIVALENTS
The carrying amount of cash and short-term investments is assumed to approximate the fair value.
SECURITIES AVAILABLE FOR SALE AND HELD TO MATURITY
Securities available for sale are recorded at fair value on a recurring basis and securities held to maturity are carried at amortized cost.  Fair values for investment securities are based on obtaining quoted prices on nationally recognized securities exchanges, or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities.
LOANS RECEIVABLE, NET
The fair value of loans is estimated using a historical or replacement cost basis concept (i.e. an entrance price concept).  The fair value of loans was estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers and for similar remaining maturities.  When using the discounting method to determine fair value, loans were grouped by homogeneous loans with similar terms and conditions and discounted at a target rate at which similar loans would be made to borrowers at March 31, 2015 or September 30, 2014.  In addition, when computing the estimated fair value for all loans, allowances for loan losses have been subtracted from the calculated fair value as a result of the discounted cash flow which approximates the fair value adjustment for the credit quality component.
FEDERAL HOME LOAN BANK (“FHLB”) STOCK
The fair value of such stock is assumed to approximate book value since the Company is only able to redeem this stock at par value.
ACCRUED INTEREST RECEIVABLE
The carrying amount of accrued interest receivable is assumed to approximate the fair value.
DEPOSITS
The carrying values of non-interest bearing checking deposits, interest bearing checking deposits, savings, and money markets is assumed to approximate fair value, since such deposits are immediately withdrawable without penalty.  The fair value of time certificates of deposit was estimated by discounting expected future cash flows by the current rates offered on certificates of deposit with similar remaining maturities.
In accordance with ASC 825, Financial Instruments, no value has been assigned to the Company’s long-term relationships with its deposit customers (core value of deposits intangible) since such intangible is not a financial instrument as defined under ASC 825.
ADVANCES FROM FHLB
The fair value of such advances was estimated by discounting the expected future cash flows using current interest rates for advances with similar terms and remaining maturities.
FEDERAL FUNDS PURCHASED
The carrying amount of federal funds purchased is assumed to approximate the fair value.
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE AND SUBORDINATED DEBENTURES
The fair value of these instruments was estimated by discounting the expected future cash flows using derived interest rates approximating market over the contractual maturity of such borrowings.
ACCRUED INTEREST PAYABLE
The carrying amount of accrued interest payable is assumed to approximate the fair value.
LIMITATIONS
It must be noted that fair value estimates are made at a specific point in time, based on relevant market information about the financial instrument.  Additionally, fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, customer relationships and the value of assets and liabilities that are not considered financial instruments.  These estimates do not reflect any premium or discount that could result from offering the Company’s entire holdings of a particular financial instrument for sale at one time.  Furthermore, since no market exists for certain of the Company’s financial instruments, fair value estimates may be based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with a high level of precision.  Changes in assumptions as well as tax considerations could significantly affect the estimates.  Accordingly, based on the limitations described above, the aggregate fair value estimates are not intended to represent the underlying value of the Company, on either a going concern or a liquidation basis.

GOODWILL_AND_INTANGIBLE_ASSETS

GOODWILL AND INTANGIBLE ASSETS	6 Months Ended
	Mar. 31, 2015
GOODWILL AND INTANGIBLE ASSETS [Abstract]
GOODWILL AND INTANGIBLE ASSETS	NOTE 12.	GOODWILL AND INTANGIBLE ASSETS
	Meta Financial recorded $11.6 million of goodwill in connection with the purchase of substantially all of the commercial loan portfolio and related assets of AFS/IBEX on December 2, 2014.  The goodwill associated with this transaction is deductible for tax purposes.  As part of the AFS/IBEX transaction, Meta Financial also recognized the following amortizable intangible assets:
	Intangible		Amount		Book Amortization			Method
					Period
	Trademark		$	540		15		Straight Line
	Non-Compete		$	260		3		Straight Line
	Customer Relationships		$	7,240		30		Accelerated
	Other		$	173	Varied			Straight Line
	The changes in the carrying amount of the Company’s goodwill and intangible assets for the six months ended March 31, 2015 and 2014 are as follows:
			Specialty		Specialty				Meta Payment			Total
			Finance		Finance				Systems®
			Goodwill		Intangibles				Patents
			(Dollars in Thousands)
	Balance as of September 30, 2014		$	-	$	-			$	2,588		$	2,588
	Acquisitions during the period			11,578		8,213				-			19,791
	Patent costs capitalized during the period			-		-				77			77
	Amortization during the period			-		(452	)			(46	)		(498	)
	Balance as of March 31, 2015		$	11,578	$	7,761			$	2,619		$	21,958
			Specialty		Specialty				Meta Payment			Total
			Finance		Finance				Systems®
			Goodwill		Intangibles				Patents
			(Dollars in Thousands)
	Balance as of September 30, 2013		$	-	$	-			$	2,339		$	2,339
	Patents costs capitalized during the period			-		-				161			161
	Amortization during the period			-		-				(36	)		(36	)
	Balance as of March 31, 2014		$	-	$	-			$	2,464		$	2,464
	The Company tests intangible assets for impairment at least annually or more often if conditions indicate a possible impairment.  There was no impairment to intangible assets during the six months ended March 31, 2015 and 2014.  The annual goodwill impairment test will be conducted at September 30, 2015.

REGULATORY_MATTERS_AND_SETTLEM

REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS	6 Months Ended
	Mar. 31, 2015
REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS [Abstract]
REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS	NOTE 13.	REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS
	As previously disclosed in our Annual Report on Form 10-K, on July 21, 2011, pursuant to the Dodd Frank Act, the OTS was integrated into the OCC and the functions of the OTS related to thrift holding companies were transferred to the Federal Reserve.  The OCC is responsible for the ongoing examination, supervision and regulation of the Bank.  The Dodd Frank Act maintains the existence of the federal savings association charter and the HOLA, the primary statute governing federal savings banks.  The Federal Reserve is now responsible for the ongoing examination, supervision and regulation of the Company, including matters with respect to the Consent Order against the Company.  Prior to passage of the Dodd-Frank Act, the OTS had issued supervisory directives to the Bank, consent orders to the Bank and the Company, and had taken other regulatory action to require the Bank to reimburse certain consumers in connection with a credit program that was discontinued.  All supervisory directives have been terminated, and on August 7, 2014 the OCC terminated the Bank’s Consent Order.  The Consent Order against the Company is still in effect, although management believes its effect on the Company’s financial condition and results of operations has been and will continue to be immaterial.  The Company anticipates (but cannot guarantee) that the order will be terminated in the third fiscal quarter of 2015.
	On January 5, 2015, the Federal Deposit Insurance Corporation (“FDIC”) published industry guidance (the “Guidance”) in the form of Frequently Asked Questions with respect to the categorization of deposit liabilities as "brokered" deposits.  Following the Company's review of the Guidance, it determined to treat $1.2 billion, or 69% of its deposit liabilities, as brokered deposits, effective for the quarter ended March 31, 2015.
	Due to the Bank’s status as a "well-capitalized" institution under the FDIC's prompt corrective action regulations, and further with respect to the Bank’s financial condition in general, the Company does not at this time anticipate that the Guidance will have a material adverse impact on the Company’s business operations or its ability to further grow deposits.  However, should the Bank ever fail to be well-capitalized in the future, as a result of failing to meet the well-capitalized requirements, or the imposition of an individual minimum capital requirement or similar formal requirements, then, notwithstanding that the Bank has capital in excess of the well-capitalized minimum requirements, the Bank would be prohibited, absent waiver from the FDIC, from utilizing brokered deposits (i.e., may not accept, renew or rollover brokered deposits) which could produce serious adverse effects on the Company’s liquidity, and financial condition and results of operations.

SUBSEQUENT_EVENTS

SUBSEQUENT EVENTS	6 Months Ended
	Mar. 31, 2015
SUBSEQUENT EVENTS [Abstract]
SUBSEQUENT EVENTS	NOTE 14.	SUBSEQUENT EVENTS
	Management has evaluated subsequent events.  There were no material subsequent events that would require recognition or disclosure in our consolidated financial statements as of and for the quarter ended March 31, 2015.

NEW_ACCOUNTING_PRONOUNCEMENTS_

NEW ACCOUNTING PRONOUNCEMENTS (Policies)	6 Months Ended
	Mar. 31, 2015
NEW ACCOUNTING PRONOUNCEMENTS [Abstract]
New Accounting Pronouncements	Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans Upon Foreclosure
	This ASU provides guidance on when a loan should be derecognized and collateral assets recognized during an in substance repossession or foreclosure.  The objective of this ASU is to eliminate diversity in practice related to the topic.  The ASU states creditors are considered to have physical possession of residential real estate property when either the creditor obtains title for the property or the borrower transfers all interest in the property through a deed or other legal agreement.  When physical possession occurs, the loan should be derecognized and collateral assets recognized.  This update is effective for annual and interim periods beginning after December 15, 2014, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2014-09, Revenue Recognition – Revenue from Contracts with Customers (Topic 606)
	This ASU provides guidance on when to recognize revenue from contracts with customers.  The objective of this ASU is to eliminate diversity in practice related to this topic and to develop guidance that would streamline and enhance revenue recognition requirements.  The ASU defines five steps to recognize revenue including, identify the contract with a customer, identify the performance obligations in the contract, determine a transaction price, allocate the transaction price to the performance obligations and then recognize the revenue when or as the entity satisfies a performance obligation.  This update is effective for annual reporting periods beginning after December 15, 2017, including interim periods within that reporting period, and the Company is currently assessing the potential impact to the consolidated financial statements.
	ASU No. 2014-14, Troubled Debt Restructuring by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure
	This ASU provides guidance on how to account for certain foreclosed government-guaranteed mortgage loans.  The creditor should recognize a separate other receivable in the amount the creditor expects to recover from the guarantor.  This update is effective for annual and interim periods beginning after December 15, 2014, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2015-01, Income Statement, Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items
	This ASU eliminates the concept of extraordinary items from U.S. GAAP.  The ASU does not affect disclosure guidance for events or transactions that are unusual in nature or infrequent in their occurrence.  This update is effective for annual and interim periods beginning after December 15, 2015, and is not expected to have a material impact on the Company’s consolidated financial statements.
	ASU No. 2015-02, Consolidation (Topic 810): Amendments to the Consolidation Analysis
	This ASU changes the way reporting enterprises evaluate whether (a) they should consolidate limited partnerships and similar entities, (b) fees paid to a decision maker or service provider are variable interests in a variable interest entity (“VIE”), and (c) variable interests in a VIE held by related parties of the reporting enterprise require the reporting enterprise to consolidate the VIE. It also eliminates the VIE consolidation model based on majority exposure to variability that applied to certain investment companies and similar entities.  This update is effective for annual and interim periods beginning after December 15, 2015, and is not expected to have a material impact on the Company’s consolidated financial statements.

ACQUISITION_Tables

ACQUISITION (Tables)	6 Months Ended
	Mar. 31, 2015
ACQUISITION [Abstract]
Approximate Fair Value of Assets Acquired and Liabilities Assumed	The following table represents the approximate fair value of assets acquired and liabilities assumed of AFS/IBEX on the consolidated balance sheet as of December 2, 2014:
		As of December 2, 2014
		(Dollars in Thousands)
	Fair value of consideration paid
	Cash	$	99,255
	Total consideration paid		99,255
	Fair value of assets acquired
	Cash and cash equivalents		6,947
	Loans receivable, net		74,120
	Prepaid assets		156
	Furniture and equipment, net		449
	Intangible assets		8,213
	Other assets		6
	Total assets		89,891
	Fair value of liabilities assumed
	Accrued expenses and other liabilities		2,214
	Total liabilities assumed		2,214
	Fair value of net assets acquired		87,677
	Goodwill resulting from acquisition	$	11,578

CREDIT_DISCLOSURES_Tables

CREDIT DISCLOSURES (Tables)	6 Months Ended
	Mar. 31, 2015
CREDIT DISCLOSURES [Abstract]
Schedule of Loan Receivables	Loans receivable at March 31, 2015 and September 30, 2014 are as follows:
		31-Mar-15			30-Sep-14
		(Dollars in Thousands)
	1-4 Family Real Estate	$	115,741		$	116,395
	Commercial and Multi-Family Real Estate		260,537			224,302
	Agricultural Real Estate		65,720			56,071
	Consumer		30,535			29,329
	Commercial Operating		27,266			30,846
	Agricultural Operating		41,749			42,258
	Premium Finance		83,191			-
	Total Loans Receivable		624,739			499,201
	Less:
	Allowance for Loan Losses		(5,716	)		(5,397	)
	Net Deferred Loan Origination Fees		(279	)		(797	)
	Total Loans Receivable, Net	$	618,744		$	493,007
Activity in Allowance for Loan Losses	Activity in the allowance for loan losses and balances of loans receivable by portfolio segment for the three and six month periods ended March 31, 2015 and 2014 is as follows:
		1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Unallocated			Total
		(Dollars in Thousands)
	Three Months Ended March 31, 2015
	Allowance for loan losses:
	Beginning balance	$	512		$	1,198		$	266		$	78		$	85		$	630		$	35		$	2,421		$	5,225
	Provision (recovery) for loan losses		55			20			(1	)		-			14			37			192			276			593
	Charge offs		(45	)		-			-			-			-			-			(81	)		-			(126	)
	Recoveries		-			-			-			-			2			-			22			-			24
	Ending balance	$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Six Months Ended March 31, 2015
	Allowance for loan losses:
	Beginning balance	$	552		$	1,575		$	263		$	78		$	93		$	719		$	-		$	2,117		$	5,397
	Provision (recovery) for loan losses		15			(149	)		2			-			5			(52	)		240			580			641
	Charge offs		(45	)		(214	)		-			-			-			-			(98	)		-			(357	)
	Recoveries		-			6			-			-			3			-			26			-			35
	Ending balance	$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Ending balance: individually evaluated for impairment		-			296			-			1			-			326			-			-			623
	Ending balance: collectively evaluated for impairment		522			922			265			77			101			341			168			2,697			5,093
	Total	$	522		$	1,218		$	265		$	78		$	101		$	667		$	168		$	2,697		$	5,716
	Loans:
	Ending balance: individually evaluated for impairment		181			1,410			-			1			16			6,134			-			-			7,742
	Ending balance: collectively evaluated for impairment		115,560			259,127			65,720			30,534			27,250			35,615			83,191			-			616,997
	Total	$	115,741		$	260,537		$	65,720		$	30,535		$	27,266		$	41,749		$	83,191		$	-		$	624,739
		1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Unallocated			Total
		(Dollars in Thousands)
	Three Months Ended March 31, 2014
	Allowance for loan losses:
	Beginning balance	$	341		$	1,552		$	124		$	72		$	56		$	248		$	-		$	1,865		$	4,258
	Provision (recovery) for loan losses		(54	)		114			111			(1	)		(4	)		230			-			(96	)		300
	Charge offs		-			-			-			-			-			-			-			-			-
	Recoveries		-			-			-			-			14			-			-			-			14
	Ending balance	$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Six Months Ended March 31, 2014
	Allowance for loan losses:
	Beginning balance	$	333		$	1,937		$	112		$	74		$	49		$	267		$	-		$	1,158		$	3,930
	Provision (recovery) for loan losses		(46	)		(599	)		123			(3	)		3			211			-			611			300
	Charge offs		-			-			-			-			-			-			-			-			-
	Recoveries		-			328			-			-			14			-			-			-			342
	Ending balance	$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Ending balance: individually evaluated for impairment		25			366			-			-			-			-			-			-			391
	Ending balance: collectively evaluated for impairment		262			1,300			235			71			66			478			-			1,769			4,181
	Total	$	287		$	1,666		$	235		$	71		$	66		$	478		$	-		$	1,769		$	4,572
	Loans:
	Ending balance: individually evaluated for impairment		673			5,703			-			-			30			-			-			-			6,406
	Ending balance: collectively evaluated for impairment		99,054			205,632			35,206			27,112			22,000			35,770			-			-			424,774
	Total	$	99,727		$	211,335		$	35,206		$	27,112		$	22,030		$	35,770		$	-		$	-		$	431,180
Asset Classification of Loans Excluding Loans Held for Sale	The asset classification of loans at March 31, 2015 and September 30, 2014 are as follows:
	31-Mar-15	1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Total
		(Dollars in Thousands)
	Pass	$	115,307		$	257,664		$	62,999		$	30,534		$	26,715		$	25,555		$	83,191		$	601,965
	Watch		131			1,821			259			1			385			1,860			-			4,457
	Special Mention		223			94			877			-			-			5,517			-			6,711
	Substandard		80			958			1,585			-			166			8,817			-			11,606
	Doubtful		-			-			-			-			-			-			-			-
		$	115,741		$	260,537		$	65,720		$	30,535		$	27,266		$	41,749		$	83,191		$	624,739
	30-Sep-14	1-4 Family Real Estate			Commercial and Multi-Family Real Estate			Agricultural Real Estate			Consumer			Commercial Operating			Agricultural Operating			Premium Finance			Total
		(Dollars in Thousands)
	Pass	$	115,700		$	222,074		$	52,364		$	29,329		$	30,709		$	32,261		$	-		$	482,437
	Watch		369			852			273			-			137			369			-			2,000
	Special Mention		81			96			1,660			-			-			63			-			1,900
	Substandard		245			1,280			1,774			-			-			9,565			-			12,864
	Doubtful		-			-			-			-			-			-			-			-
		$	116,395		$	224,302		$	56,071		$	29,329		$	30,846		$	42,258		$	-		$	499,201
Summary of Past Due Loans	Past due loans at March 31, 2015 and September 30, 2014 are as follows:
	31-Mar-15	30-59 Days			60-89 Days			Greater Than			Total Past			Current			Non-Accrual			Total Loans
		Past Due			Past Due			90 Days			Due						Loans			Receivable
		(Dollars in Thousands)
	1-4 Family Real Estate	$	22		$	-		$	-		$	22		$	115,639		$	80		$	115,741
	Commercial and Multi-Family Real Estate		-			-			-			-			259,579			958			260,537
	Agricultural Real Estate		-			-			-			-			65,720			-			65,720
	Consumer		13			12			5			30			30,505			-			30,535
	Commercial Operating		-			-			-			-			27,266			-			27,266
	Agricultural Operating		4,409			-			-			4,409			37,304			36			41,749
	Premium Finance		866			666			617			2,149			81,042			-			83,191
	Total	$	5,310		$	678		$	622		$	6,610		$	617,055		$	1,074		$	624,739
	30-Sep-14	30-59 Days			60-89 Days			Greater Than			Total Past			Current			Non-Accrual			Total Loans
		Past Due			Past Due			90 Days			Due						Loans			Receivable
		(Dollars in Thousands)
	1-4 Family Real Estate	$	111		$	37		$	-		$	148		$	115,966		$	281		$	116,395
	Commercial and Multi-Family Real Estate		-			-			-			-			223,990			312			224,302
	Agricultural Real Estate		-			-			-			-			56,071			-			56,071
	Consumer		2			12			54			68			29,261			-			29,329
	Commercial Operating		-			-			-			-			30,846			-			30,846
	Agricultural Operating		-			-			-			-			41,918			340			42,258
	Total	$	113		$	49		$	54		$	216		$	498,052		$	933		$	499,201
Impaired Loans	Impaired loans at March 31, 2015 and September 30, 2014 are as follows:
		Recorded Balance			Unpaid Principal Balance			Specific Allowance
	31-Mar-15	(Dollars in Thousands)
	Loans without a specific valuation allowance
	1-4 Family Real Estate	$	181		$	213		$	-
	Commercial and Multi-Family Real Estate		452			452			-
	Agricultural Real Estate		-			-			-
	Consumer		-			-			-
	Commercial Operating		16			16			-
	Agricultural Operating		-			-			-
	Premium Finance		-			-			-
	Total	$	649		$	681		$	-
	Loans with a specific valuation allowance
	1-4 Family Real Estate	$	-		$	-		$	-
	Commercial and Multi-Family Real Estate		958			958			296
	Agricultural Real Estate		-			-			-
	Consumer		1			1			1
	Commercial Operating		-			-			-
	Agricultural Operating		6,134			6,184			326
	Premium Finance		-			-			-
	Total	$	7,093		$	7,143		$	623
		Recorded Balance			Unpaid Principal Balance			Specific Allowance
	30-Sep-14	(Dollars in Thousands)
	Loans without a specific valuation allowance
	1-4 Family Real Estate	$	142		$	142		$	-
	Commercial and Multi-Family Real Estate		4,375			4,375			-
	Agricultural Real Estate		-			-			-
	Consumer		-			-			-
	Commercial Operating		22			22			-
	Agricultural Operating		-			-			-
	Total	$	4,539		$	4,539		$	-
	Loans with a specific valuation allowance
	1-4 Family Real Estate	$	245		$	245		$	23
	Commercial and Multi-Family Real Estate		1,280			1,280			350
	Agricultural Real Estate		-			-			-
	Consumer		-			-			-
	Commercial Operating		-			-			-
	Agricultural Operating		340			340			340
	Total	$	1,865		$	1,865		$	713
	The following table provides the average recorded investment in impaired loans for the three and six month periods ended March 31, 2015 and 2014.
		Three Months Ended March 31,						Six Months Ended March 31,
		2015			2014			2015			2014
		Average Recorded Investment			Average Recorded Investment			Average Recorded Investment			Average Recorded Investment
		(Dollars in Thousands)
	1-4 Family Real Estate	$	292		$	676		$	333		$	665
	Commercial and Multi-Family Real Estate		1,421			7,512			2,834			7,370
	Agricultural Real Estate		-			-			-			-
	Consumer		-			-			-			-
	Commercial Operating		19			37			20			41
	Agricultural Operating		2,242			-			1,284			-
	Premium Finance		-			-			-			-
	Total	$	3,974		$	8,226		$	4,471		$	8,076

EARNINGS_PER_COMMON_SHARE_EPS_

EARNINGS PER COMMON SHARE ("EPS") (Tables)	6 Months Ended
	Mar. 31, 2015
EARNINGS PER COMMON SHARE ("EPS") [Abstract]
Reconciliation of Net Income and Common Stock Share Amounts Used in Computation of Basic and Diluted EPS	A reconciliation of net income and common stock share amounts used in the computation of basic and diluted EPS for the three and six months ended March 31, 2015 and 2014 is presented below.
	Three Months Ended March 31,	2015			2014
	(Dollars in Thousands, Except Share and Per Share Data)
	Earnings
	Net Income	$	5,181		$	4,144
	Basic EPS
	Weighted average common shares outstanding		6,546,071			6,119,679
	Less weighted average nonvested shares		(4,717	)		(4,967	)
	Weighted average common shares outstanding		6,541,354			6,114,712
	Earnings Per Common Share
	Basic	$	0.79		$	0.68
	Diluted EPS
	Weighted average common shares outstanding for basic earnings per common share		6,541,354			6,114,712
	Add dilutive effect of assumed exercises of stock options, net of tax benefits		60,060			100,282
	Weighted average common and dilutive potential common shares outstanding		6,601,414			6,214,994
	Earnings Per Common Share
	Diluted	$	0.78		$	0.67
	Six Months Ended March 31,	2015			2014
	(Dollars in Thousands, Except Share and Per Share Data)
	Earnings
	Net Income	$	8,776		$	8,146
	Basic EPS
	Weighted average common shares outstanding		6,362,921			6,098,892
	Less weighted average unallocated ESOP and nonvested shares		(4,327	)		(4,601	)
	Weighted average common shares outstanding		6,358,594			6,094,291
	Earnings Per Common Share
	Basic	$	1.38		$	1.34
	Diluted EPS
	Weighted average common shares outstanding for basic earnings per common share		6,358,594			6,094,291
	Add dilutive effect of assumed exercises of stock options, net of tax benefits		60,617			97,282
	Weighted average common and dilutive potential common shares outstanding		6,419,211			6,191,573
	Earnings Per Common Share
	Diluted	$	1.37		$	1.32

SECURITIES_Tables

SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2015
SECURITIES [Abstract]
Securities Available for Sale	The amortized cost, gross unrealized gains and losses and estimated fair values of available for sale and held to maturity securities at March 31, 2015 and September 30, 2014 are presented below.
	Available For Sale		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
	At March 31, 2015				GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	23,685	$	43		$	(2,559	)		$	21,169
	Small business administration securities			35,977		1,390			-				37,367
	Non-bank qualified obligations of states and political subdivisions			462,441		6,058			(1,624	)			466,875
	Mortgage-backed securities			674,166		4,403			(2,410	)			676,159
	Total debt securities			1,196,269		11,894			(6,593	)			1,201,570
	Common equities and mutual funds			639		331			(4	)			966
	Total available for sale securities		$	1,196,908	$	12,225		$	(6,597	)		$	1,202,536
	At September 30, 2014		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
					GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	48,747	$	191		$	(2,009	)		$	46,929
	Small business administration securities			66,541		543			(72	)			67,012
	Non-bank qualified obligations of states and political subdivisions			368,897		2,494			(3,811	)			367,580
	Mortgage-backed securities			663,690		3,519			(9,339	)			657,870
	Total available for sale securities			1,147,875		6,747			(15,231	)			1,139,391
	Common equities and mutual funds			539		291			(5	)			825
	Total available for sale securities		$	1,148,414	$	7,038		$	(15,236	)		$	1,140,216
Securities Held to Maturity	Held to Maturity		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
	At March 31, 2015				GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions		$	19,414	$	45		$	(205	)		$	19,254
	Non-bank qualified obligations of states and political subdivisions			222,982		1,995			(310	)			224,667
	Mortgage-backed securities			68,666		5			(593	)			68,078
	Total held to maturity securities		$	311,062	$	2,045		$	(1,108	)		$	311,999
	At September 30, 2014		AMORTIZED		GROSS			GROSS				FAIR
			COST		UNREALIZED			UNREALIZED				VALUE
					GAINS			(LOSSES)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions		$	19,304	$	48		$	(372	)		$	18,980
	Non-bank qualified obligations of states and political subdivisions			193,595		894			(2,329	)			192,160
	Mortgage-backed securities			70,034		-			(1,862	)			68,172
	Total held to maturity securities		$	282,933	$	942		$	(4,563	)		$	279,312
Trust Preferred Securities Included in Securities Available for Sale	Included in securities available for sale are trust preferred securities as follows:
	At March 31, 2015		Amortized Cost		Fair Value			Unrealized			S&P		Moody's
								Gain (Loss)			Credit Rating		Credit Rating
	Issuer(1)
			(Dollars in Thousands)
	Key Corp. Capital I		$	4,986	$	4,165		$	(821	)	BB+		Baa3
	Huntington Capital Trust II SE			4,978		4,000			(978	)	BB		Baa3
	PNC Capital Trust			4,963		4,320			(643	)	BBB-		Baa2
	Wells Fargo (Corestates Capital) Trust			4,466		4,350			(116	)	BBB+		A3
	Total		$	19,393	$	16,835		$	(2,558	)
	-1	Trust preferred securities are single-issuance.  There are no known deferrals, defaults or excess subordination.
	At September 30, 2014		Amortized Cost		Fair Value			Unrealized			S&P		Moody's
								Gain (Loss)			Credit Rating		Credit Rating
	Issuer(1)
			(Dollars in Thousands)
	Key Corp. Capital I		$	4,985	$	4,400		$	(585	)	BB+		Baa3
	Huntington Capital Trust II SE			4,977		4,300			(677	)	BB		Baa3
	PNC Capital Trust			4,962		4,400			(562	)	BBB-		Baa2
	Wells Fargo (Corestates Capital) Trust			4,444		4,400			(44	)	BBB+		A3
	Total		$	19,368	$	17,500		$	(1,868	)
	-1	Trust preferred securities are single-issuance.  There are no known deferrals, defaults or excess subordination.
Gross Unrealized Losses and Fair Value of Securities Available for Sale in Continuous Unrealized Loss Position	Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2015 and September 30, 2014, are as follows:
	Available For Sale		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
	At March 31, 2015		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
			Value		(Losses)			Value				(Losses)			Value		(Losses)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	-	$	-		$	16,835			$	(2,559	)	$	16,835	$	(2,559	)
	Non-bank qualified obligations of states and political subdivisions			74,300		(778	)		53,874				(846	)		128,174		(1,624	)
	Mortgage-backed securities			204,364		(1,010	)		124,913				(1,400	)		329,277		(2,410	)
	Total debt securities			278,664		(1,788	)		195,622				(4,805	)		474,286		(6,593	)
	Common equities and mutual funds			-		-			123				(4	)		123		(4	)
	Total available for sale securities		$	278,664	$	(1,788	)	$	195,745			$	(4,809	)	$	474,409	$	(6,597	)
			LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
	At September 30, 2014		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
			Value		(Losses)			Value				(Losses)			Value		(Losses)
			(Dollars in Thousands)
	Debt securities
	Trust preferred and corporate securities		$	6,073	$	(47	)	$	25,359			$	(1,962	)	$	31,432	$	(2,009	)
	Small Business Administration securities			8,454		(72	)		-				-			8,454		(72	)
	Non-bank qualified obligations of states and political subdivisions			27,062		(70	)		191,146				(3,741	)		218,208		(3,811	)
	Mortgage-backed securities			238,980		(1,248	)		234,347				(8,091	)		473,327		(9,339	)
	Total available for sale securities			280,569		(1,437	)		450,852				(13,794	)		731,421		(15,231	)
	Common equities and mutual funds			123		(5	)		-				-			123		(5	)
	Total available for sale securities		$	280,692	$	(1,442	)	$	450,852			$	(13,794	)	$	731,544	$	(15,236	)
Gross Unrealized Losses and Fair Value of Securities Held to Maturity in Continuous Unrealized Loss Position	Held To Maturity		LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
	At March 31, 2015		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
			Value		(Losses)			Value				(Losses)			Value		(Losses)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions		$	4,461	$	(54	)	$	9,938			$	(151	)	$	14,399	$	(205	)
	Non-bank qualified obligations of states and political subdivisions			18,183		(106	)		40,685				(204	)		58,868		(310	)
	Mortgage-backed securities			-		-			65,482				(593	)		65,482		(593	)
	Total held to maturity securities		$	22,644	$	(160	)	$	116,105			$	(948	)	$	138,749	$	(1,108	)
			LESS THAN 12 MONTHS					OVER 12 MONTHS							TOTAL
	At September 30, 2014		Fair		Unrealized			Fair				Unrealized			Fair		Unrealized
			Value		(Losses)			Value				(Losses)			Value		(Losses)
			(Dollars in Thousands)
	Debt securities
	Obligations of states and political subdivisions			1,056		(2	)		14,079				(370	)		15,135		(372	)
	Non-bank qualified obligations of states and political subdivisions			-		-			147,949				(2,329	)		147,949		(2,329	)
	Mortgage-backed securities			-		-			68,172				(1,862	)		68,172		(1,862	)
	Total held to maturity securities		$	1,056	$	(2	)	$	230,200			$	(4,561	)	$	231,256	$	(4,563	)
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	The expected maturities of certain Small Business Administration securities may differ from contractual maturities because the borrowers may have the right to prepay the obligation. However, certain prepayment penalties may apply.
	Available For Sale		AMORTIZED		FAIR
			COST		VALUE
	At March 31, 2015		(Dollars in Thousands)
	Due in one year or less		$	3,000	$	3,017
	Due after one year through five years			1,183		1,214
	Due after five years through ten years			300,668		306,344
	Due after ten years			217,252		214,836
				522,103		525,411
	Mortgage-backed securities			674,166		676,159
	Common equities and mutual funds			639		966
	Total available for sale securities		$	1,196,908	$	1,202,536
			AMORTIZED		FAIR
			COST		VALUE
	30-Sep-14		(Dollars in Thousands)
	Due in one year or less		$	2,999	$	3,048
	Due after one year through five years			9,922		10,079
	Due after five years through ten years			285,413		285,698
	Due after ten years			185,851		182,696
				484,185		481,521
	Mortgage-backed securities			663,690		657,870
	Common equities and mutual funds			539		825
	Total available for sale securities		$	1,148,414	$	1,140,216
	Held To Maturity		AMORTIZED		FAIR
			COST		VALUE
	At March 31, 2015		(Dollars in Thousands)
	Due in one year or less		$	95	$	95
	Due after one year through five years			5,357		5,341
	Due after five years through ten years			111,639		111,880
	Due after ten years			125,305		126,605
				242,396		243,921
	Mortgage-backed securities			68,666		68,078
	Total held to maturity securities		$	311,062	$	311,999
			AMORTIZED		FAIR
			COST		VALUE
	30-Sep-14		(Dollars in Thousands)
	Due in one year or less		$	347	$	348
	Due after one year through five years			4,726		4,718
	Due after five years through ten years			91,532		89,984
	Due after ten years			116,294		116,090
				212,899		211,140
	Mortgage-backed securities			70,034		68,172
	Total held to maturity securities		$	282,933	$	279,312

STOCK_OPTION_PLAN_Tables

STOCK OPTION PLAN (Tables)	6 Months Ended
	Mar. 31, 2015
STOCK OPTION PLAN [Abstract]
Activity of Options	The following tables show the activity of options and nonvested (restricted) shares granted, exercised, or forfeited under all of the Company’s option and incentive plans for the six months ended March 31, 2015:
		Number			Weighted		Weighted		Aggregate
		of			Average		Average		Intrinsic
		Shares			Exercise		Remaining		Value
					Price		Contractual
							Term (Yrs)
		(Dollars in Thousands, Except Share and Per Share Data)
	Options outstanding, September 30, 2014		235,766		$	25.2		3.78	$	2,507
	Granted		-			-		-		-
	Exercised		-			-		-		-
	Forfeited or expired		-			-		-		-
	Options outstanding, March 31, 2015		235,766		$	25.2		3.29	$	3,430
	Options exercisable, March 31, 2015		235,766		$	25.2		3.29	$	3,430
Activity of Nonvested (Restricted) Shares		Number of			Weighted
		Shares			Average
					Fair Value
					at Grant
	(Dollars in Thousands, Except Share and Per Share Data)
	Nonvested shares outstanding, September 30, 2014		4,000		$	28.61
	Granted		5,200			35.14
	Vested		(5,450	)		33.62
	Forfeited or expired		-			-
	Nonvested shares outstanding, March 31, 2015		3,750		$	30.38

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	6 Months Ended
	Mar. 31, 2015
SEGMENT INFORMATION [Abstract]
Segment Information of Entity	The following tables present segment data for the Company for the three and six months ended March 31, 2015 and 2014, respectively.
		Retail			Meta Payment			All Others			Total
		Banking			Systems®
	Three Months Ended March 31, 2015
	Interest income	$	8,560		$	5,281		$	1,918			15,759
	Interest expense		282			46			145			473
	Net interest income (expense)		8,278			5,235			1,773			15,286
	Provision (recovery) for loan losses		400			-			193			593
	Non-interest income		885			13,608			477			14,970
	Non-interest expense		5,286			15,878			2,256			23,420
	Income (loss) before income tax expense (benefit)		3,477			2,965			(199	)		6,243
	Income tax expense (benefit)		633			561			(132	)		1,062
	Net income (loss)	$	2,844		$	2,404		$	(67	)	$	5,181
	Inter-segment revenue (expense)	$	(4,084	)		4,084		$	-		$	-
	Total assets		478,295			1,693,538			103,259			2,275,092
	Total deposits		204,728			1,533,716			(7,772	)		1,730,672
		Retail			Meta Payment			All Others			Total
		Banking			Systems®
	Six Months Ended March 31, 2015
	Interest income	$	17,316		$	10,170		$	2,505		$	29,991
	Interest expense		788			91			255			1,134
	Net interest income (expense)		16,528			10,079			2,250			28,857
	Provision (recovery) for loan losses		400			-			241			641
	Non-interest income		319			26,660			665			27,644
	Non-interest expense		11,160			31,733			2,940			45,833
	Income (loss) before income tax expense (benefit)		5,287			5,006			(266	)		10,027
	Income tax expense (benefit)		540			898			(187	)		1,251
	Net income (loss)	$	4,747		$	4,108		$	(79	)	$	8,776
	Inter-segment revenue (expense)	$	(7,980	)	$	7,980		$	-		$	-
	Total assets		478,295			1,693,538			103,259			2,275,092
	Total deposits		204,728			1,533,716			(7,772	)		1,730,672
		Retail			Meta Payment			All Others			Total
		Banking			Systems®
	Three Months Ended March 31, 2014
	Interest income	$	7,797		$	4,266		$	-		$	12,063
	Interest expense		402			31			111			544
	Net interest income (expense)		7,395			4,235			(111	)		11,519
	Provision (recovery) for loan losses		300			-			-			300
	Non-interest income		1,058			12,005			-			13,063
	Non-interest expense		5,622			13,988			133			19,743
	Income (loss) before income tax expense (benefit)		2,531			2,252			(244	)		4,539
	Income tax expense (benefit)		220			266			(91	)		395
	Net income (loss)	$	2,311		$	1,986		$	(153	)	$	4,144
	Inter-segment revenue (expense)	$	3,410		$	(3,410	)	$	-		$	-
	Total assets		459,500			1,427,772			3,285			1,890,557
	Total deposits		210,032			1,292,438			(7,310	)		1,495,160
		Retail			Meta Payment			All Others			Total
		Banking			Systems®
	Six Months Ended March 31, 2014
	Interest income	$	15,259		$	7,966		$	-		$	23,225
	Interest expense		911			57			225			1,193
	Net interest income (expense)		14,348			7,909			(225	)		22,032
	Provision (recovery) for loan losses		300			-			-			300
	Non-interest income		1,808			24,842			-			26,650
	Non-interest expense		10,454			27,715			635			38,804
	Income (loss) before income tax expense (benefit)		5,402			5,036			(860	)		9,578
	Income tax expense (benefit)		836			905			(309	)		1,432
	Net income (loss)	$	4,566		$	4,131		$	(551	)	$	8,146
	Inter-segment revenue (expense)	$	6,626		$	(6,626	)	$	-		$	-
	Total assets		459,500			1,427,772			3,285			1,890,557
	Total deposits		210,032			1,292,438			(7,310	)		1,495,160
	The following tables present gross profit data for MPS for the three and six months ended March 31, 2015 and 2014.
	Three Months Ended March 31,	2015			2014
	Interest income	$	5,281		$	4,266
Interest expense		46			31
Net interest income		5,235			4,235
Provision (recovery) for loan losses		-			-
Non-interest income		13,608			12,005
Card processing expense		3,804			3,563
Gross Profit		15,039			12,677
Other non-interest expense		12,074			10,425
Income (loss) before income tax expense (benefit)		2,965			2,252
Income tax expense (benefit)		561			266
Net Income (Loss)	$	2,404		$	1,986
Six Months Ended March 31,	2015			2014
Interest income	$	10,170		$	7,966
Interest expense		91			57
Net interest income		10,079			7,909
Provision (recovery) for loan losses		-			-
Non-interest income		26,660			24,842
Card processing expense		8,495			7,800
Gross Profit		28,244			24,951
Other non-interest expense		23,238			19,915
Income (loss) before income tax expense (benefit)		5,006			5,036
Income tax expense		898			905
Net Income	$	4,108		$	4,131

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Mar. 31, 2015
FAIR VALUE MEASUREMENTS [Abstract]
Summary of Fair Values of Securities Available for Sale and Held to Maturity	The following table summarizes the fair values of securities available for sale and held to maturity at March 31, 2015 and September 30, 2014.  Securities available for sale are measured at fair value on a recurring basis, while securities held to maturity are carried at amortized cost in the consolidated statements of financial condition.
			Fair Value at March 31, 2015
			Available For Sale									Held to Maturity
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
	Debt securities
	Trust preferred and corporate securities		$	21,169		$	-	$	21,169	$	-	$	-	$	-	$	-	$	-
	Small business administration securities			37,367			-		37,367		-		-		-		-		-
	Obligations of states and political subdivisions			-			-		-		-		19,254		-		19,254		-
	Non-bank qualified obligations of states and political subdivisions			466,875			-		466,875		-		224,667		-		224,667		-
	Mortgage-backed securities			676,159			-		676,159		-		68,078		-		68,078		-
	Total debt securities			1,201,570			-		1,201,570		-		311,999		-		311,999		-
	Common equities and mutual funds			966			966		-		-		-		-		-		-
	Total securities		$	1,202,536		$	966	$	1,201,570	$	-	$	311,999	$	-	$	311,999	$	-
			Fair Value at September 30, 2014
			Available For Sale									Held to Maturity
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3		Total		Level 1		Level 2		Level 3
	Debt securities
	Trust preferred and corporate securities		$	46,929		$	-	$	46,929	$	-	$	-	$	-	$	-	$	-
	Small business administration securities			67,012			-		67,012		-		-		-		-		-
	Obligations of states and political subdivisions			-			-		-		-		18,980		-		18,980		-
	Non-bank qualified obligations of states and political subdivisions			367,580			-		367,580		-		192,160		-		192,160		-
	Mortgage-backed securities			657,870			-		657,870		-		68,172		-		68,172		-
	Total debt securities			1,139,391			-		1,139,391		-		279,312		-		279,312		-
	Common equities and mutual funds			825			825		-		-		-		-		-		-
	Total securities		$	1,140,216		$	825	$	1,139,391	$	-	$	279,312	$	-	$	279,312	$	-
Assets Measured at Fair Value on Nonrecurring Basis	The following table summarizes the assets of the Company that are measured at fair value in the consolidated statements of financial condition on a non-recurring basis as of March 31, 2015 and September 30, 2014.
			Fair Value at March 31, 2015
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3
	Impaired Loans, net
	One to four family residential mortgage loans		$	54		$	-	$	-	$	54
	Commercial and multi-family real estate loans			662			-		-		662
	Agricultural operating loans			5,808			-		-		5,808
	Total Impaired Loans			6,524			-		-		6,524
	Foreclosed Assets, net			-			-		-		-
	Total		$	6,524		$	-	$	-	$	6,524
			Fair Value at September 30, 2014
	(Dollars in Thousands)		Total			Level 1		Level 2		Level 3
	Impaired Loans, net
	One to four family residential mortgage loans		$	222		$	-	$	-	$	222
	Commercial and multi-family real estate loans			930			-		-		930
	Total Impaired Loans			1,152			-		-		1,152
	Foreclosed Assets, net			15			-		-		15
	Total		$	1,167		$	-	$	-	$	1,167
Quantitative Information about Level 3 Fair Value Measurements			Quantitative Information About Level 3 Fair Value Measurements
	(Dollars in Thousands)		Fair Value at		Valuation Technique	Unobservable Input
			31-Mar-15
	Impaired Loans, net		$	6,524	Market approach	Appraised values (1)
	Foreclosed Assets, net			-	Market approach	Appraised values (1)
	-1	The Company generally relies on external appraisers to develop this information.  Management reduced the appraised value by estimated selling costs in a range of 4% to 10%.
			Quantitative Information About Level 3 Fair Value Measurements
	(Dollars in Thousands)		Fair Value at		Valuation Technique	Unobservable Input
			30-Sep-14
	Impaired Loans, net		$	1,152	Market approach	Appraised values (1)
	Foreclosed Assets, net			15	Market approach	Appraised values (1)
	-1	The Company generally relies on external appraisers to develop this information.  Management reduced the appraised value by estimated selling costs in a range of 4% to 10%.
Carrying Amount and Estimated Fair Value of Financial Instruments	The following presents the carrying amount and estimated fair value of the financial instruments held by the Company at March 31, 2015 and September 30, 2014.
			31-Mar-15
			Carrying			Estimated		Level 1		Level 2		Level 3
			Amount			Fair Value
			(Dollars in Thousands)
	Financial assets
	Cash and cash equivalents		$	24,883		$	24,883	$	24,883	$	-	$	-
	Securities available for sale			1,202,536			1,202,536		966		1,201,570		-
	Securities held to maturity			311,062			311,999		-		311,999		-
	Total securities			1,513,598			1,514,535		966		1,513,569		-
	Loans receivable:
	One to four family residential mortgage loans			115,741			111,355		-		-		111,355
	Commercial and multi-family real estate loans			260,537			270,464		-		-		270,464
	Agricultural real estate loans			65,720			66,500		-		-		66,500
	Consumer loans			30,535			30,889		-		-		30,889
	Commercial operating loans			27,266			21,746		-		-		21,746
	Agricultural operating loans			41,749			43,101		-		-		43,101
	Premium finance			83,191			86,196		-		-		86,196
	Total loans receivable			624,739			630,251		-		-		630,251
	Federal Home Loan Bank stock			13,250			13,250		-		13,250		-
	Accrued interest receivable			12,466			12,466		12,466		-		-
	Financial liabilities
	Noninterest bearing demand deposits			1,558,459			1,558,459		1,558,459		-		-
	Interest bearing demand deposits, savings, and money markets			110,541			110,541		110,541		-		-
	Certificates of deposit			61,672			61,790		-		61,790		-
	Total deposits			1,730,672			1,730,791		1,669,001		61,790		-
	Advances from Federal Home Loan Bank			7,000			8,741		-		8,741		-
	Federal funds purchased			261,000			261,000				261,000
	Securities sold under agreements to repurchase			11,637			11,637		-		11,637		-
	Subordinated debentures			10,310			10,413		-		10,413		-
	Accrued interest payable			160			160		160		-		-
			30-Sep-14
			Carrying			Estimated		Level 1		Level 2		Level 3
			Amount			Fair Value
			(Dollars in Thousands)
	Financial assets
	Cash and cash equivalents		$	29,832		$	29,832	$	29,832	$	-	$	-
	Securities available for sale			1,140,216			1,140,216		825		1,139,391		-
	Securities held to maturity			282,933			279,312		-		279,312		-
	Total securities			1,423,149			1,419,528		825		1,418,703		-
	Loans receivable:
	One to four family residential mortgage loans			116,395			111,254		-		-		111,254
	Commercial and multi-family real estate loans			224,302			234,845		-		-		234,845
	Agricultural real estate loans			56,071			58,651		-		-		58,651
	Consumer loans			29,329			29,580		-		-		29,580
	Commercial operating loans			30,846			25,660		-		-		25,660
	Agricultural operating loans			42,258			44,398		-		-		44,398
	Total loans receivable			499,201			504,388		-		-		504,388
	Federal Home Loan Bank stock			21,245			21,245		-		21,245		-
	Accrued interest receivable			11,222			11,222		11,222		-		-
	Financial liabilities
	Noninterest bearing demand deposits			1,126,715			1,126,715		1,126,715		-		-
	Interest bearing demand deposits, savings, and money markets			105,273			105,273		105,273		-		-
	Certificates of deposit			134,553			134,746		-		134,746		-
	Total deposits			1,366,541			1,366,734		1,231,988		134,746		-
	Advances from Federal Home Loan Bank			7,000			8,789		-		8,789		-
	Federal funds purchased			470,000			470,000		-		470,000		-
	Securities sold under agreements to repurchase			10,411			10,411		-		10,411		-
	Subordinated debentures			10,310			10,415		-		10,415		-
	Accrued interest payable			318			318		318		-		-

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Tables)	6 Months Ended
	Mar. 31, 2015
GOODWILL AND INTANGIBLE ASSETS [Abstract]
Summary of Amortizable Intangible Assets	As part of the AFS/IBEX transaction, Meta Financial also recognized the following amortizable intangible assets:
	Intangible	Amount		Book Amortization			Method
				Period
	Trademark	$	540		15		Straight Line
	Non-Compete	$	260		3		Straight Line
	Customer Relationships	$	7,240		30		Accelerated
	Other	$	173	Varied			Straight Line
Changes in Carrying Amount of Goodwill and Intangible Assets	The changes in the carrying amount of the Company’s goodwill and intangible assets for the six months ended March 31, 2015 and 2014 are as follows:
		Specialty		Specialty				Meta Payment			Total
		Finance		Finance				Systems®
		Goodwill		Intangibles				Patents
		(Dollars in Thousands)
	Balance as of September 30, 2014	$	-	$	-			$	2,588		$	2,588
	Acquisitions during the period		11,578		8,213				-			19,791
	Patent costs capitalized during the period		-		-				77			77
	Amortization during the period		-		(452	)			(46	)		(498	)
	Balance as of March 31, 2015	$	11,578	$	7,761			$	2,619		$	21,958
		Specialty		Specialty				Meta Payment			Total
		Finance		Finance				Systems®
		Goodwill		Intangibles				Patents
		(Dollars in Thousands)
	Balance as of September 30, 2013	$	-	$	-			$	2,339		$	2,339
	Patents costs capitalized during the period		-		-				161			161
	Amortization during the period		-		-				(36	)		(36	)
	Balance as of March 31, 2014	$	-	$	-			$	2,464		$	2,464

ACQUISITION_Details

ACQUISITION (Details) (USD $)	0 Months Ended
In Thousands, unless otherwise specified	Dec. 02, 2014	Mar. 31, 2015	Dec. 02, 2014	Sep. 30, 2014
			Agency
Business Acquisition [Line Items]
Number of independent insurance agencies	1,300		1,300
Goodwill resulting from acquisition	$11,578	$11,578	$11,578	$0
Fair value of consideration paid [Abstract]
Total consideration paid	99,255
Fair value of assets acquired [Abstract]
Prepaid assets	156		156
Furniture and equipment, net	449		449
Total assets	89,891		89,891
Fair value of liabilities assumed [Abstract]
Total liabilities assumed	2,214		2,214
Fair value of net assets acquired	87,677		87,677
Goodwill resulting from acquisition	11,578	11,578	11,578	0
AFS/IBEX Financial Services Inc [Member]
Business Acquisition [Line Items]
Purchase price paid in cash	99,255
Cash and cash equivalents	6,947		6,947
Loans receivable, net	74,120		74,120
Other assets	6		6
Intangible assets	8,213		8,213
Accrued expenses and other liabilities	2,214		2,214
Fair value of consideration paid [Abstract]
Cash	99,255
Fair value of assets acquired [Abstract]
Cash and cash equivalents	6,947		6,947
Loans receivable, net	74,120		74,120
Intangible assets	8,213		8,213
Other assets	6		6
Fair value of liabilities assumed [Abstract]
Accrued expenses and other liabilities	$2,214		$2,214

CREDIT_DISCLOSURES_Details

CREDIT DISCLOSURES (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014	Mar. 31, 2014
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	$624,739	$499,201	$431,180
Less:
Allowance for Loan Losses	-5,716	-5,397
Net Deferred Loan Origination Fees	-279	-797
Total Loans Receivable, Net	618,744	493,007
1-4 Family Real Estate [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	115,741	116,395	99,727
Commercial and Multi-Family Real Estate [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	260,537	224,302	211,335
Agricultural Real Estate [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	65,720	56,071	35,206
Consumer [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	30,535	29,329	27,112
Commercial Operating [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	27,266	30,846	22,030
Agricultural Operating [Member]
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	41,749	42,258	35,770
Premium Finance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Period of delay or shortfall in payments after which a loan is evaluated for impairment	210 days
Schedule of Loans Receivable [Abstract]
Total Loans Receivable	$83,191	$0	$0
Non-Premium Finance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Period of delay or shortfall in payments after which a loan is evaluated for impairment	90 days

CREDIT_DISCLOSURES_Allowance_f

CREDIT DISCLOSURES, Allowance for Loan Losses (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014	Sep. 30, 2014
Activity in allowance for loan losses [Roll Forward]
Beginning balance	$5,225	$4,258	$5,397	$3,930
Provision (recovery) for loan losses	593	300	641	300
Charge offs	-126	0	-357	0
Recoveries	24	14	35	342
Ending balance	5,716	4,572	5,716	4,572
Ending balance: individually evaluated for impairment	623	391	623	391
Ending balance: collectively evaluated for impairment	5,093	4,181	5,093	4,181
Total	5,716	4,572	5,716	4,572
Loans [Abstract]
Ending balance: individually evaluated for impairment	7,742	6,406	7,742	6,406
Ending balance: collectively evaluated for impairment	616,997	424,774	616,997	424,774
Total Loans Receivable	624,739	431,180	624,739	431,180	499,201
1-4 Family Real Estate [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	512	341	552	333
Provision (recovery) for loan losses	55	-54	15	-46
Charge offs	-45	0	-45	0
Recoveries	0	0	0	0
Ending balance	522	287	522	287
Ending balance: individually evaluated for impairment	0	25	0	25
Ending balance: collectively evaluated for impairment	522	262	522	262
Total	522	287	522	287
Loans [Abstract]
Ending balance: individually evaluated for impairment	181	673	181	673
Ending balance: collectively evaluated for impairment	115,560	99,054	115,560	99,054
Total Loans Receivable	115,741	99,727	115,741	99,727	116,395
Commercial and Multi-Family Real Estate [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	1,198	1,552	1,575	1,937
Provision (recovery) for loan losses	20	114	-149	-599
Charge offs	0	0	-214	0
Recoveries	0	0	6	328
Ending balance	1,218	1,666	1,218	1,666
Ending balance: individually evaluated for impairment	296	366	296	366
Ending balance: collectively evaluated for impairment	922	1,300	922	1,300
Total	1,218	1,666	1,218	1,666
Loans [Abstract]
Ending balance: individually evaluated for impairment	1,410	5,703	1,410	5,703
Ending balance: collectively evaluated for impairment	259,127	205,632	259,127	205,632
Total Loans Receivable	260,537	211,335	260,537	211,335	224,302
Agricultural Real Estate [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	266	124	263	112
Provision (recovery) for loan losses	-1	111	2	123
Charge offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	265	235	265	235
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	265	235	265	235
Total	265	235	265	235
Loans [Abstract]
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	65,720	35,206	65,720	35,206
Total Loans Receivable	65,720	35,206	65,720	35,206	56,071
Consumer [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	78	72	78	74
Provision (recovery) for loan losses	0	-1	0	-3
Charge offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	78	71	78	71
Ending balance: individually evaluated for impairment	1	0	1	0
Ending balance: collectively evaluated for impairment	77	71	77	71
Total	78	71	78	71
Loans [Abstract]
Ending balance: individually evaluated for impairment	1	0	1	0
Ending balance: collectively evaluated for impairment	30,534	27,112	30,534	27,112
Total Loans Receivable	30,535	27,112	30,535	27,112	29,329
Commercial Operating [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	85	56	93	49
Provision (recovery) for loan losses	14	-4	5	3
Charge offs	0	0	0	0
Recoveries	2	14	3	14
Ending balance	101	66	101	66
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	101	66	101	66
Total	101	66	101	66
Loans [Abstract]
Ending balance: individually evaluated for impairment	16	30	16	30
Ending balance: collectively evaluated for impairment	27,250	22,000	27,250	22,000
Total Loans Receivable	27,266	22,030	27,266	22,030	30,846
Agricultural Operating [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	630	248	719	267
Provision (recovery) for loan losses	37	230	-52	211
Charge offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	667	478	667	478
Ending balance: individually evaluated for impairment	326	0	326	0
Ending balance: collectively evaluated for impairment	341	478	341	478
Total	667	478	667	478
Loans [Abstract]
Ending balance: individually evaluated for impairment	6,134	0	6,134	0
Ending balance: collectively evaluated for impairment	35,615	35,770	35,615	35,770
Total Loans Receivable	41,749	35,770	41,749	35,770	42,258
Premium Finance [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	35	0	0	0
Provision (recovery) for loan losses	192	0	240	0
Charge offs	-81	0	-98	0
Recoveries	22	0	26	0
Ending balance	168	0	168	0
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	168	0	168	0
Total	168	0	168	0
Loans [Abstract]
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	83,191	0	83,191	0
Total Loans Receivable	83,191	0	83,191	0	0
Unallocated [Member]
Activity in allowance for loan losses [Roll Forward]
Beginning balance	2,421	1,865	2,117	1,158
Provision (recovery) for loan losses	276	-96	580	611
Charge offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	2,697	1,769	2,697	1,769
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	2,697	1,769	2,697	1,769
Total	2,697	1,769	2,697	1,769
Loans [Abstract]
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	0	0	0	0
Total Loans Receivable	$0	$0	$0	$0

CREDIT_DISCLOSURES_Credit_Qual

CREDIT DISCLOSURES, Credit Quality Indicator (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014	Mar. 31, 2014
CREDIT DISCLOSURES [Abstract]
Percentage of specific allowance for losses (in hundredths)	100.00%
Asset classification of loans [Abstract]
Total Loans Receivable	$624,739	$499,201	$431,180
Exposure of the entity expressed in loan to value ratio (in hundredths)	80.00%
Tenure of ARM loan offered	five and ten year
Annual cap of ARM loans (in hundredths)	2.00%
Lifetime cap of ARM loans (in hundredths)	6.00%
Maturity period of fixed rate loans	30 years
Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	601,965	482,437
Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	4,457	2,000
Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	6,711	1,900
Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	11,606	12,864
Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
1-4 Family Real Estate [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	115,741	116,395	99,727
Maturity period of loans receivable	30 years
1-4 Family Real Estate [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	115,307	115,700
1-4 Family Real Estate [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	131	369
1-4 Family Real Estate [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	223	81
1-4 Family Real Estate [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	80	245
1-4 Family Real Estate [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Commercial and Multi-Family Real Estate [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	260,537	224,302	211,335
Maturity period of fixed rate loans	20 years
Percentage of down payment (in hundredths)	80.00%
Commercial and Multi-Family Real Estate [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	257,664	222,074
Commercial and Multi-Family Real Estate [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	1,821	852
Commercial and Multi-Family Real Estate [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	94	96
Commercial and Multi-Family Real Estate [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	958	1,280
Commercial and Multi-Family Real Estate [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Agricultural Real Estate [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	65,720	56,071	35,206
Maturity period of fixed rate loans	10 years
Percentage value for securing the loan (in hundredths)	75.00%
Agricultural Real Estate [Member] | Minimum [Member]
Asset classification of loans [Abstract]
Amortization period of loans	20 years
Agricultural Real Estate [Member] | Maximum [Member]
Asset classification of loans [Abstract]
Amortization period of loans	25 years
Agricultural Real Estate [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	62,999	52,364
Agricultural Real Estate [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	259	273
Agricultural Real Estate [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	877	1,660
Agricultural Real Estate [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	1,585	1,774
Agricultural Real Estate [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Consumer [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	30,535	29,329	27,112
Percentage value for securing the loan (in hundredths)	90.00%
Consumer [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	30,534	29,329
Consumer [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	1	0
Consumer [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Consumer [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Consumer [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Commercial Operating [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	27,266	30,846	22,030
Maturity period of loans receivable	1 year
Percentage value for securing the loan (in hundredths)	80.00%
Commercial Operating [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	26,715	30,709
Commercial Operating [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	385	137
Commercial Operating [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Commercial Operating [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	166	0
Commercial Operating [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Agricultural Operating [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	41,749	42,258	35,770
Maturity period of fixed rate loans	7 years
Agricultural Operating [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	25,555	32,261
Agricultural Operating [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	1,860	369
Agricultural Operating [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	5,517	63
Agricultural Operating [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	8,817	9,565
Agricultural Operating [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Automobile Loan [Member]
Asset classification of loans [Abstract]
Maturity period of loans receivable	60 months
Percentage value for securing the loan (in hundredths)	80.00%
Premium Finance [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	83,191	0	0
Premium Finance [Member] | Minimum [Member]
Asset classification of loans [Abstract]
Loan to value ratio (in hundredths)	80.00%
Percentage of down payment (in hundredths)	20.00%
Average period of finance	9 months
Period of conversion of collateral into cash	60 days
Typical period of delinquency	90 days
Premium Finance [Member] | Maximum [Member]
Asset classification of loans [Abstract]
Loan to value ratio (in hundredths)	100.00%
Percentage of down payment (in hundredths)	30.00%
Average period of finance	10 months
Period of conversion of collateral into cash	150 days
Premium Finance [Member] | Pass [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	83,191	0
Premium Finance [Member] | Watch [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Premium Finance [Member] | Special Mention [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Premium Finance [Member] | Substandard [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	0	0
Premium Finance [Member] | Doubtful [Member]
Asset classification of loans [Abstract]
Total Loans Receivable	$0	$0

CREDIT_DISCLOSURES_Receivables

CREDIT DISCLOSURES, Receivables Past Due (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Past due loans [Abstract]
30-59 Days Past Due	$5,310	$113
60-89 Days Past Due	678	49
Greater than 90 Days	622	54
Total Past Due	6,610	216
Current	617,055	498,052
Non-Accrual Loans	1,074	933
Total Loans Receivable	624,739	499,201	431,180
1-4 Family Real Estate [Member]
Past due loans [Abstract]
30-59 Days Past Due	22	111
60-89 Days Past Due	0	37
Greater than 90 Days	0	0
Total Past Due	22	148
Current	115,639	115,966
Non-Accrual Loans	80	281
Total Loans Receivable	115,741	116,395	99,727
Commercial and Multi-Family Real Estate [Member]
Past due loans [Abstract]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater than 90 Days	0	0
Total Past Due	0	0
Current	259,579	223,990
Non-Accrual Loans	958	312
Total Loans Receivable	260,537	224,302	211,335
Agricultural Real Estate [Member]
Past due loans [Abstract]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater than 90 Days	0	0
Total Past Due	0	0
Current	65,720	56,071
Non-Accrual Loans	0	0
Total Loans Receivable	65,720	56,071	35,206
Consumer [Member]
Past due loans [Abstract]
30-59 Days Past Due	13	2
60-89 Days Past Due	12	12
Greater than 90 Days	5	54
Total Past Due	30	68
Current	30,505	29,261
Non-Accrual Loans	0	0
Total Loans Receivable	30,535	29,329	27,112
Commercial Operating [Member]
Past due loans [Abstract]
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
Greater than 90 Days	0	0
Total Past Due	0	0
Current	27,266	30,846
Non-Accrual Loans	0	0
Total Loans Receivable	27,266	30,846	22,030
Agricultural Operating [Member]
Past due loans [Abstract]
30-59 Days Past Due	4,409	0
60-89 Days Past Due	0	0
Greater than 90 Days	0	0
Total Past Due	4,409	0
Current	37,304	41,918
Non-Accrual Loans	36	340
Total Loans Receivable	41,749	42,258	35,770
Premium Finance [Member]
Past due loans [Abstract]
30-59 Days Past Due	866
60-89 Days Past Due	666
Greater than 90 Days	617
Total Past Due	2,149
Current	81,042
Non-Accrual Loans	0
Total Loans Receivable	83,191	0	0
Greater than 210 days past due	$0

CREDIT_DISCLOSURES_Impaired_Re

CREDIT DISCLOSURES, Impaired Receivables (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014	Sep. 30, 2014
	Loan	Loan	Loan	Loan
Loans without a specific valuation allowance [Abstract]
Recorded balance	$649		$649		$4,539
Unpaid principal balance	681		681		4,539
Loans with a specific valuation allowance [Abstract]
Recorded Balance	7,093		7,093		1,865
Unpaid principal balance	7,143		7,143		1,865
Specific allowance	623		623		713
Average recorded investment	3,974	8,226	4,471	8,076
Troubled debt restructurings [Abstract]
Loans modified in TDR	0	0	0	0
Loans modified in TDR, subsequent default	0	0	0	0
Period in which loans have been modified			12 months
1-4 Family Real Estate [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	181		181		142
Unpaid principal balance	213		213		142
Loans with a specific valuation allowance [Abstract]
Recorded Balance	0		0		245
Unpaid principal balance	0		0		245
Specific allowance	0		0		23
Average recorded investment	292	676	333	665
Commercial and Multi-Family Real Estate [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	452		452		4,375
Unpaid principal balance	452		452		4,375
Loans with a specific valuation allowance [Abstract]
Recorded Balance	958		958		1,280
Unpaid principal balance	958		958		1,280
Specific allowance	296		296		350
Average recorded investment	1,421	7,512	2,834	7,370
Agricultural Real Estate [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	0		0		0
Unpaid principal balance	0		0		0
Loans with a specific valuation allowance [Abstract]
Recorded Balance	0		0		0
Unpaid principal balance	0		0		0
Specific allowance	0		0		0
Average recorded investment	0	0	0	0
Consumer [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	0		0		0
Unpaid principal balance	0		0		0
Loans with a specific valuation allowance [Abstract]
Recorded Balance	1		1		0
Unpaid principal balance	1		1		0
Specific allowance	1		1		0
Average recorded investment	0	0	0	0
Commercial Operating [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	16		16		22
Unpaid principal balance	16		16		22
Loans with a specific valuation allowance [Abstract]
Recorded Balance	0		0		0
Unpaid principal balance	0		0		0
Specific allowance	0		0		0
Average recorded investment	19	37	20	41
Agricultural Operating [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	0		0		0
Unpaid principal balance	0		0		0
Loans with a specific valuation allowance [Abstract]
Recorded Balance	6,134		6,134		340
Unpaid principal balance	6,134		6,134		340
Specific allowance	326		326		340
Average recorded investment	2,242	0	1,284	0
Premium Finance [Member]
Loans without a specific valuation allowance [Abstract]
Recorded balance	0		0
Unpaid principal balance	0		0
Loans with a specific valuation allowance [Abstract]
Recorded Balance	0		0
Unpaid principal balance	0		0
Specific allowance	0		0
Average recorded investment	$0	$0	$0	$0

ALLOWANCE_FOR_LOAN_LOSSES_Deta

ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014	Sep. 30, 2014
ALLOWANCE FOR LOAN LOSSES [Abstract]
Allowance for loan losses	$5,716,000		$5,716,000		$5,397,000
Increase in allowance for loan losses			300,000
Provision for loan losses	593,000	300,000	641,000	300,000
Net charge offs (recoveries)			$300,000	($300,000)

EARNINGS_PER_COMMON_SHARE_EPS_1

EARNINGS PER COMMON SHARE ("EPS") (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Earnings [Abstract]
Net Income	$5,181	$4,144	$8,776	$8,146
Basic EPS [Abstract]
Weighted average common shares outstanding (in shares)	6,546,071	6,119,679	6,362,921	6,098,892
Less weighted average nonvested shares (in shares)	-4,717	-4,967	-4,327	-4,601
Weighted average common shares outstanding (in shares)	6,541,354	6,114,712	6,358,594	6,094,291
Earnings Per Common Share [Abstract]
Basic (in dollars per share)	$0.79	$0.68	$1.38	$1.34
Diluted EPS [Abstract]
Weighted average common shares outstanding for basic earnings per common share (in shares)	6,541,354	6,114,712	6,358,594	6,094,291
Add dilutive effect of assumed exercises of stock options, net of tax benefits (in shares)	60,060	100,282	60,617	97,282
Weighted average common and dilutive potential common shares outstanding (in shares)	6,601,414	6,214,994	6,419,211	6,191,573
Earnings Per Common Share [Abstract]
Diluted (in dollars per share)	$0.78	$0.67	$1.37	$1.32
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Securities excluded from computing diluted EPS (in shares)	29,199		29,199	29,199

SECURITIES_Details

SECURITIES (Details) (USD $)	Mar. 31, 2015		Sep. 30, 2014
In Thousands, unless otherwise specified
Available-for-sale debt securities [Abstract]
Fair value	$676,159		$657,870
Available-for-sale equity securities [Abstract]
Fair value	526,377		482,346
Available-for-sale securities [Abstract]
Amortized cost	1,196,908		1,148,414
Gross unrealized gains	12,225		7,038
Gross unrealized (losses)	-6,597		-15,236
Fair value	1,202,536		1,140,216
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	278,664		280,692
LESS THAN 12 MONTHS, Unrealized (Losses)	-1,788		-1,442
OVER 12 MONTHS, Fair Value	195,745		450,852
OVER 12 MONTHS, Unrealized (Losses)	-4,809		-13,794
TOTAL, Fair Value	474,409		731,544
TOTAL, Unrealized (Losses)	-6,597		-15,236
AMORTIZED COST [Abstract]
Due in one year or less	3,000		2,999
Due after one year through five years	1,183		9,922
Due after five years through ten years	300,668		285,413
Due after ten years	217,252		185,851
Total	522,103		484,185
Mortgage-backed securities	674,166		663,690
Common equities and mutual funds	639		539
Amortized cost	1,196,908		1,148,414
FAIR VALUE [Abstract]
Due in one year or less	3,017		3,048
Due after one year through five years	1,214		10,079
Due after five years through ten years	306,344		285,698
Due after ten years	214,836		182,696
Total	525,411		481,521
Mortgage-backed securities	676,159		657,870
Common equities and mutual funds	966		825
Total available for sale securities	1,202,536		1,140,216
Held-to-maturity Securities [Abstract]
Amortized cost	311,062		282,933
Gross unrealized gains	2,045		942
Gross unrealized (losses)	-1,108		-4,563
Fair value	311,999		279,312
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	22,644		1,056
OVER 12 MONTHS, Fair Value	116,105		230,200
TOTAL, Fair Value	138,749		231,256
LESS THAN 12 MONTHS, Unrealized (Losses)	-160		-2
OVER 12 MONTHS, Unrealized (Losses)	-948		-4,561
TOTAL, Unrealized (Losses)	-1,108		-4,563
AMORTIZED COST [Abstract]
Due in one year or less	95		347
Due after one year through five years	5,357		4,726
Due after five years through ten years	111,639		91,532
Due after ten years	125,305		116,294
Total	242,396		212,899
Mortgage-backed securities	68,666		70,034
Amortized cost	311,062		282,933
FAIR VALUE [Abstract]
Due in one year or less	95		348
Due after one year through five years	5,341		4,718
Due after five years through ten years	111,880		89,984
Due after ten years	126,605		116,090
Total	243,921		211,140
Mortgage-backed securities	68,078		68,172
Total held to maturity securities	311,999		279,312
Trust Preferred Securities [Member]
Available-for-sale securities [Abstract]
Amortized cost	19,393	[1]	19,368	[1]
Unrealized gain (loss)	-2,558	[1]	-1,868	[1]
Fair value	16,835	[1]	17,500	[1]
AMORTIZED COST [Abstract]
Amortized cost	19,393	[1]	19,368	[1]
FAIR VALUE [Abstract]
Total available for sale securities	16,835	[1]	17,500	[1]
S&P Credit Rating, BBB- [Member] | Moody Credit Rating, Baa2 [Member] | PNC Capital Trust [Member] | Trust Preferred Securities [Member]
Available-for-sale securities [Abstract]
Amortized cost	4,963	[1]	4,962	[1]
Unrealized gain (loss)	-643	[1]	-562	[1]
Fair value	4,320	[1]	4,400	[1]
AMORTIZED COST [Abstract]
Amortized cost	4,963	[1]	4,962	[1]
FAIR VALUE [Abstract]
Total available for sale securities	4,320	[1]	4,400	[1]
S&P Credit Rating, BB+ [Member] | Moody Credit Rating, Baa3 [Member] | Key Corp Capital I [Member] | Trust Preferred Securities [Member]
Available-for-sale securities [Abstract]
Amortized cost	4,986	[1]	4,985	[1]
Unrealized gain (loss)	-821	[1]	-585	[1]
Fair value	4,165	[1]	4,400	[1]
AMORTIZED COST [Abstract]
Amortized cost	4,986	[1]	4,985	[1]
FAIR VALUE [Abstract]
Total available for sale securities	4,165	[1]	4,400	[1]
S&P Credit Rating, BBB+ [Member] | Moody Credit Rating, A3 [Member] | Wells Fargo (Corestates Capital) Trust [Member] | Trust Preferred Securities [Member]
Available-for-sale securities [Abstract]
Amortized cost	4,466	[1]	4,444	[1]
Unrealized gain (loss)	-116	[1]	-44	[1]
Fair value	4,350	[1]	4,400	[1]
AMORTIZED COST [Abstract]
Amortized cost	4,466	[1]	4,444	[1]
FAIR VALUE [Abstract]
Total available for sale securities	4,350	[1]	4,400	[1]
S&P Credit Rating BB [Member] | Moody Credit Rating, Baa3 [Member] | Huntington Capital Trust II SE [Member] | Trust Preferred Securities [Member]
Available-for-sale securities [Abstract]
Amortized cost	4,978	[1]	4,977	[1]
Unrealized gain (loss)	-978	[1]	-677	[1]
Fair value	4,000	[1]	4,300	[1]
AMORTIZED COST [Abstract]
Amortized cost	4,978	[1]	4,977	[1]
FAIR VALUE [Abstract]
Total available for sale securities	4,000	[1]	4,300	[1]
Debt Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	1,196,269
Gross unrealized gains	11,894		6,747
Gross unrealized (losses)	-6,593		-15,231
Fair value	1,201,570		1,139,391
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	278,664		280,569
LESS THAN 12 MONTHS, Unrealized (Losses)	-1,788		-1,437
OVER 12 MONTHS, Fair Value	195,622		450,852
OVER 12 MONTHS, Unrealized (Losses)	-4,805		-13,794
TOTAL, Fair Value	474,286		731,421
TOTAL, Unrealized (Losses)	-6,593		-15,231
Trust Preferred and Corporate Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	23,685
Gross unrealized gains	43		191
Gross unrealized (losses)	-2,559		-2,009
Fair value	21,169		46,929
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	0		6,073
LESS THAN 12 MONTHS, Unrealized (Losses)	0		-47
OVER 12 MONTHS, Fair Value	16,835		25,359
OVER 12 MONTHS, Unrealized (Losses)	-2,559		-1,962
TOTAL, Fair Value	16,835		31,432
TOTAL, Unrealized (Losses)	-2,559		-2,009
Small Business Administration Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	35,977
Gross unrealized gains	1,390		543
Gross unrealized (losses)	0		-72
Fair value	37,367		67,012
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value			8,454
LESS THAN 12 MONTHS, Unrealized (Losses)			-72
OVER 12 MONTHS, Fair Value			0
OVER 12 MONTHS, Unrealized (Losses)			0
TOTAL, Fair Value			8,454
TOTAL, Unrealized (Losses)			-72
Non-bank Qualified Obligations of States and Political Subdivisions [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	462,441
Gross unrealized gains	6,058		2,494
Gross unrealized (losses)	-1,624		-3,811
Fair value	466,875		367,580
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	74,300		27,062
LESS THAN 12 MONTHS, Unrealized (Losses)	-778		-70
OVER 12 MONTHS, Fair Value	53,874		191,146
OVER 12 MONTHS, Unrealized (Losses)	-846		-3,741
TOTAL, Fair Value	128,174		218,208
TOTAL, Unrealized (Losses)	-1,624		-3,811
Held-to-maturity Securities [Abstract]
Amortized cost	222,982		193,595
Gross unrealized gains	1,995		894
Gross unrealized (losses)	-310		-2,329
Fair value	224,667		192,160
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	18,183		0
OVER 12 MONTHS, Fair Value	40,685		147,949
TOTAL, Fair Value	58,868		147,949
LESS THAN 12 MONTHS, Unrealized (Losses)	-106		0
OVER 12 MONTHS, Unrealized (Losses)	-204		-2,329
TOTAL, Unrealized (Losses)	-310		-2,329
AMORTIZED COST [Abstract]
Amortized cost	222,982		193,595
FAIR VALUE [Abstract]
Total held to maturity securities	224,667		192,160
Mortgage-backed Securities [Member]
Available-for-sale debt securities [Abstract]
Amortized cost	674,166
Gross unrealized gains	4,403		3,519
Gross unrealized (losses)	-2,410		-9,339
Fair value	676,159		657,870
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	204,364		238,980
LESS THAN 12 MONTHS, Unrealized (Losses)	-1,010		-1,248
OVER 12 MONTHS, Fair Value	124,913		234,347
OVER 12 MONTHS, Unrealized (Losses)	-1,400		-8,091
TOTAL, Fair Value	329,277		473,327
TOTAL, Unrealized (Losses)	-2,410		-9,339
Held-to-maturity Securities [Abstract]
Amortized cost	68,666		70,034
Gross unrealized gains	5		0
Gross unrealized (losses)	-593		-1,862
Fair value	68,078		68,172
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	0		0
OVER 12 MONTHS, Fair Value	65,482		68,172
TOTAL, Fair Value	65,482		68,172
LESS THAN 12 MONTHS, Unrealized (Losses)	0		0
OVER 12 MONTHS, Unrealized (Losses)	-593		-1,862
TOTAL, Unrealized (Losses)	-593		-1,862
AMORTIZED COST [Abstract]
Amortized cost	68,666		70,034
FAIR VALUE [Abstract]
Total held to maturity securities	68,078		68,172
Obligations of States and Political Subdivisions [Member]
Held-to-maturity Securities [Abstract]
Amortized cost	19,414		19,304
Gross unrealized gains	45		48
Gross unrealized (losses)	-205		-372
Fair value	19,254		18,980
Held-to-maturity Securities, Continuous Unrealized Loss Position [Abstract]
LESS THAN 12 MONTHS, Fair Value	4,461		1,056
OVER 12 MONTHS, Fair Value	9,938		14,079
TOTAL, Fair Value	14,399		15,135
LESS THAN 12 MONTHS, Unrealized (Losses)	-54		-2
OVER 12 MONTHS, Unrealized (Losses)	-151		-370
TOTAL, Unrealized (Losses)	-205		-372
AMORTIZED COST [Abstract]
Amortized cost	19,414		19,304
FAIR VALUE [Abstract]
Total held to maturity securities	19,254		18,980
Common Equities and Mutual Funds [Member]
Available-for-sale equity securities [Abstract]
Amortized cost	639		539
Gross unrealized gains	331		291
Gross unrealized (losses)	-4		-5
Fair value	966		825
Available-for-sale securities in a continuous unrealized loss position [Abstract]
LESS THAN 12 MONTHS, Fair Value	0		123
LESS THAN 12 MONTHS, Unrealized (Losses)	0		-5
OVER 12 MONTHS, Fair Value	123		0
OVER 12 MONTHS, Unrealized (Losses)	-4		0
TOTAL, Fair Value	123		123
TOTAL, Unrealized (Losses)	($4)		($5)
[1]	Trust preferred securities are single-issuance. There are no known deferrals, defaults or excess subordination.

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	6 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014
		Commitment
COMMITMENTS AND CONTINGENCIES [Abstract]
Unfunded loan commitments	$81.60	$96
Number of commitments	4	0
Commitment to purchase securities	10.9
Inter National Bank [Member]
Loss Contingencies [Line Items]
Amount of shortfall in depository account	10.5
Springbok Services Inc. [Member]
Loss Contingencies [Line Items]
Estimate of possible loss	1.5
Range of reasonably possible loss, minimum	0
Range of reasonably possible loss, maximum	$0.30

STOCK_OPTION_PLAN_Details

STOCK OPTION PLAN (Details) (USD $)	3 Months Ended	6 Months Ended	12 Months Ended
	Mar. 31, 2015	Mar. 31, 2015	Sep. 30, 2014
Number of Shares [Roll Forward]
Options outstanding, beginning of period (in shares)		235,766
Granted (in shares)		0
Exercised (in shares)		0
Forfeited or expired (in shares)		0
Options outstanding, end of period (in shares)	235,766	235,766	235,766
Options exercisable, end of period (in shares)	235,766	235,766
Weighted Average Exercise Price [Roll Forward]
Options outstanding, beginning of period (in dollars per share)		$25.20
Granted (in dollars per share)		$0
Exercised (in dollars per share)		$0
Forfeited or expired (in dollars per share)		$0
Options outstanding, end of period (in dollars per share)	$25.20	$25.20	$25.20
Options exercisable, end of period (in dollars per share)	$25.20	$25.20
Weighted Average Remaining Contractual Term (Yrs) [Abstract]
Options outstanding, beginning of period	3 years 3 months 14 days		3 years 9 months 11 days
Options outstanding, end of period	3 years 3 months 14 days		3 years 9 months 11 days
Options exercisable, end of period	3 years 3 months 14 days
Aggregate Intrinsic Value [Abstract]
Options outstanding, beginning of period		$2,507,000
Exercised		0
Forfeited or expired		0
Options outstanding, end of period	3,430,000	3,430,000	2,507,000
Options exercisable, end of period	3,430,000	3,430,000
Nonvested Shares Outstanding, Number of Shares [Roll Forward]
Nonvested shares outstanding, beginning of period (in shares)		4,000
Granted (in shares)		5,200
Vested (in shares)		-5,450
Forfeited or expired (in shares)		0
Nonvested shares outstanding, end of period (in shares)	3,750	3,750	4,000
Nonvested Shares Outstanding, Weighted Average Fair Value at Grant [Roll Forward]
Nonvested shares outstanding, beginning of period (in dollars per share)		$28.61
Granted (in dollars per share)		$35.14
Vested (in dollars per share)		$33.62
Forfeited or expired (in dollars per share)		$0
Nonvested shares outstanding, end of period (in dollars per share)	$30.38	$30.38	$28.61
Stock based compensation expense not yet recognized in income	$63,000	$63,000
Weighted average remaining period for unrecognized stock based compensation		1 year 8 months 23 days

SEGMENT_INFORMATION_Details

SEGMENT INFORMATION (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014	Sep. 30, 2014
			Segment
Segment Reporting Information [Line Items]
Number of reportable segments			2
Segment data [Abstract]
Interest income	$15,759	$12,063	$29,991	$23,225
Interest expense	473	544	1,134	1,193
Net interest income (expense)	15,286	11,519	28,857	22,032
Provision (recovery) for loan losses	593	300	641	300
Non-interest income	14,970	13,063	27,644	26,650
Non-interest expense	23,420	19,743	45,833	38,804
Income (loss) before income tax expense (benefit)	6,243	4,539	10,027	9,578
Income tax expense (benefit)	1,062	395	1,251	1,432
Net income	5,181	4,144	8,776	8,146
Total assets	2,275,092	1,890,557	2,275,092	1,890,557	2,054,031
Total deposits	1,730,672	1,495,160	1,730,672	1,495,160	1,366,541
Gross profit data of MPS [Abstract]
Interest income	15,759	12,063	29,991	23,225
Interest expense	473	544	1,134	1,193
Net interest income	15,286	11,519	28,857	22,032
Provision (recovery) for loan losses	593	300	641	300
Non-interest income	14,970	13,063	27,644	26,650
Card processing expense	3,810	3,573	8,506	7,818
Other non-interest expense	3,439	2,319	6,147	4,196
Income (loss) before income tax expense (benefit)	6,243	4,539	10,027	9,578
Income tax expense (benefit)	1,062	395	1,251	1,432
Net income	5,181	4,144	8,776	8,146
All Others [Member]
Segment data [Abstract]
Interest income	1,918	0	2,505	0
Interest expense	145	111	255	225
Net interest income (expense)	1,773	-111	2,250	-225
Provision (recovery) for loan losses	193	0	241	0
Non-interest income	477	0	665	0
Non-interest expense	2,256	133	2,940	635
Income (loss) before income tax expense (benefit)	-199	-244	-266	-860
Income tax expense (benefit)	-132	-91	-187	-309
Net income	-67	-153	-79	-551
Total assets	103,259	3,285	103,259	3,285
Total deposits	-7,772	-7,310	-7,772	-7,310
Gross profit data of MPS [Abstract]
Interest income	1,918	0	2,505	0
Interest expense	145	111	255	225
Provision (recovery) for loan losses	193	0	241	0
Non-interest income	477	0	665	0
Income (loss) before income tax expense (benefit)	-199	-244	-266	-860
Income tax expense (benefit)	-132	-91	-187	-309
Net income	-67	-153	-79	-551
Reportable Segments [Member] | Retail Banking [Member]
Segment data [Abstract]
Interest income	8,560	7,797	17,316	15,259
Interest expense	282	402	788	911
Net interest income (expense)	8,278	7,395	16,528	14,348
Provision (recovery) for loan losses	400	300	400	300
Non-interest income	885	1,058	319	1,808
Non-interest expense	5,286	5,622	11,160	10,454
Income (loss) before income tax expense (benefit)	3,477	2,531	5,287	5,402
Income tax expense (benefit)	633	220	540	836
Net income	2,844	2,311	4,747	4,566
Total assets	478,295	459,500	478,295	459,500
Total deposits	204,728	210,032	204,728	210,032
Gross profit data of MPS [Abstract]
Interest income	8,560	7,797	17,316	15,259
Interest expense	282	402	788	911
Provision (recovery) for loan losses	400	300	400	300
Non-interest income	885	1,058	319	1,808
Income (loss) before income tax expense (benefit)	3,477	2,531	5,287	5,402
Income tax expense (benefit)	633	220	540	836
Net income	2,844	2,311	4,747	4,566
Reportable Segments [Member] | Meta Payment Systems [Member]
Segment data [Abstract]
Interest income	5,281	4,266	10,170	7,966
Interest expense	46	31	91	57
Net interest income (expense)	5,235	4,235	10,079	7,909
Provision (recovery) for loan losses	0	0	0	0
Non-interest income	13,608	12,005	26,660	24,842
Non-interest expense	15,878	13,988	31,733	27,715
Income (loss) before income tax expense (benefit)	2,965	2,252	5,006	5,036
Income tax expense (benefit)	561	266	898	905
Net income	2,404	1,986	4,108	4,131
Total assets	1,693,538	1,427,772	1,693,538	1,427,772
Total deposits	1,533,716	1,292,438	1,533,716	1,292,438
Gross profit data of MPS [Abstract]
Interest income	5,281	4,266	10,170	7,966
Interest expense	46	31	91	57
Net interest income	5,235	4,235	10,079	7,909
Provision (recovery) for loan losses	0	0	0	0
Non-interest income	13,608	12,005	26,660	24,842
Card processing expense	3,804	3,563	8,495	7,800
Gross Profit	15,039	12,677	28,244	24,951
Other non-interest expense	12,074	10,425	23,238	19,915
Income (loss) before income tax expense (benefit)	2,965	2,252	5,006	5,036
Income tax expense (benefit)	561	266	898	905
Net income	2,404	1,986	4,108	4,131
Intersegment Eliminations [Member]
Segment data [Abstract]
Inter-segment revenue (expense)	0	0	0	0
Intersegment Eliminations [Member] | Retail Banking [Member]
Segment data [Abstract]
Inter-segment revenue (expense)	-4,084	3,410	-7,980	6,626
Intersegment Eliminations [Member] | Meta Payment Systems [Member]
Segment data [Abstract]
Inter-segment revenue (expense)	4,084	-3,410	7,980	-6,626
Intersegment Eliminations [Member] | All Others [Member]
Segment data [Abstract]
Inter-segment revenue (expense)	$0	$0	$0	$0

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Available-for-sale Securities [Abstract]
Total debt securities	$676,159	$657,870
Total available for sale securities	1,202,536	1,140,216
Held-to-maturity Securities [Abstract]
Total held to maturity securities	311,999	279,312
Level 1 [Member]
Available-for-sale Securities [Abstract]
Total available for sale securities	966	825
Held-to-maturity Securities [Abstract]
Total held to maturity securities	0	0
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 1 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 1 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 1 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 1 [Member] | Consumer Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 1 [Member] | Commercial Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member]
Available-for-sale Securities [Abstract]
Total available for sale securities	1,201,570	1,139,391
Held-to-maturity Securities [Abstract]
Total held to maturity securities	311,999	279,312
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member] | Consumer Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 2 [Member] | Commercial Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Level 3 [Member]
Available-for-sale Securities [Abstract]
Total available for sale securities	0	0
Held-to-maturity Securities [Abstract]
Total held to maturity securities	0	0
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	630,251	504,388
Level 3 [Member] | Total Impaired Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	6,524	1,152
Level 3 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	111,355	111,254
Level 3 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	270,464	234,845
Level 3 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	43,101	44,398
Level 3 [Member] | Consumer Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	30,889	29,580
Level 3 [Member] | Commercial Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	21,746	25,660
Level 3 [Member] | Foreclosed Assets, Net [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	15
Recurring [Member]
Available-for-sale Securities [Abstract]
Trust preferred and corporate securities	21,169	46,929
Small business administration securities	37,367	67,012
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	466,875	367,580
Mortgage-backed securities	676,159	657,870
Total debt securities	1,201,570	1,139,391
Common equities and mutual funds	966	825
Total available for sale securities	1,202,536	1,140,216
Held-to-maturity Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	19,254	18,980
Non-bank qualified obligations of states and political subdivisions	224,667	192,160
Mortgage-backed securities	68,078	68,172
Total debt securities	311,999	279,312
Common equities and mutual funds	0	0
Total held to maturity securities	311,999	279,312
Recurring [Member] | Level 1 [Member]
Available-for-sale Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Mortgage-backed securities	0	0
Total debt securities	0	0
Common equities and mutual funds	966	825
Total available for sale securities	966	825
Held-to-maturity Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Mortgage-backed securities	0	0
Total debt securities	0	0
Common equities and mutual funds	0	0
Total held to maturity securities	0	0
Recurring [Member] | Level 2 [Member]
Available-for-sale Securities [Abstract]
Trust preferred and corporate securities	21,169	46,929
Small business administration securities	37,367	67,012
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	466,875	367,580
Mortgage-backed securities	676,159	657,870
Total debt securities	1,201,570	1,139,391
Common equities and mutual funds	0	0
Total available for sale securities	1,201,570	1,139,391
Held-to-maturity Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	19,254	18,980
Non-bank qualified obligations of states and political subdivisions	224,667	192,160
Mortgage-backed securities	68,078	68,172
Total debt securities	311,999	279,312
Common equities and mutual funds	0	0
Total held to maturity securities	311,999	279,312
Recurring [Member] | Level 3 [Member]
Available-for-sale Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Mortgage-backed securities	0	0
Total debt securities	0	0
Common equities and mutual funds	0	0
Total available for sale securities	0	0
Held-to-maturity Securities [Abstract]
Trust preferred and corporate securities	0	0
Small business administration securities	0	0
Obligations of states and political subdivisions	0	0
Non-bank qualified obligations of states and political subdivisions	0	0
Mortgage-backed securities	0	0
Total debt securities	0	0
Common equities and mutual funds	0	0
Total held to maturity securities	0	0
Nonrecurring [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	6,524	1,167
Nonrecurring [Member] | Total Impaired Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	6,524	1,152
Nonrecurring [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	54	222
Nonrecurring [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	662	930
Nonrecurring [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	5,808
Nonrecurring [Member] | Foreclosed Assets, Net [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	15
Nonrecurring [Member] | Level 1 [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 1 [Member] | Total Impaired Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 1 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 1 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 1 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0
Nonrecurring [Member] | Level 1 [Member] | Foreclosed Assets, Net [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 2 [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 2 [Member] | Total Impaired Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 2 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 2 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 2 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0
Nonrecurring [Member] | Level 2 [Member] | Foreclosed Assets, Net [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	0	0
Nonrecurring [Member] | Level 3 [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	6,524	1,167
Nonrecurring [Member] | Level 3 [Member] | Total Impaired Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	6,524	1,152
Nonrecurring [Member] | Level 3 [Member] | One to Four Family Residential Mortgage Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	54	222
Nonrecurring [Member] | Level 3 [Member] | Commercial and Multi-family Real Estate Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	662	930
Nonrecurring [Member] | Level 3 [Member] | Agricultural Operating Loans [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	5,808
Nonrecurring [Member] | Level 3 [Member] | Foreclosed Assets, Net [Member]
Fair value of assets measured on non-recurring basis [Abstract]
Fair value	$0	$15

FAIR_VALUE_MEASUREMENTS_Quanti

FAIR VALUE MEASUREMENTS, Quantitative Information (Details) (USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Sep. 30, 2014
Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (in hundredths)	4.00%		4.00%
Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Range of estimated selling cost (in hundredths)	10.00%		10.00%
Level 3 [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	630,251		504,388
Impaired Loans, Net [Member] | Level 3 [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	6,524		1,152
Impaired Loans, Net [Member] | Level 3 [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation techniques	Appraised values	[1]	Appraised values	[1]
Foreclosed Assets, Net [Member] | Level 3 [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value	0		15
Foreclosed Assets, Net [Member] | Level 3 [Member] | Market Approach Valuation Technique [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation techniques	Appraised values	[1]	Appraised values	[1]
[1]	The Company generally relies on external appraisers to develop this information. Management reduced the appraised value by estimated selling costs in a range of 4% to 10%.

FAIR_VALUE_MEASUREMENTS_Carryi

FAIR VALUE MEASUREMENTS, Carrying Amount and Estimated Fair Value of Financial Instruments (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financial assets
Securities available for sale	$1,202,536	$1,140,216
Securities held to maturity	311,999	279,312
Level 1 [Member]
Financial assets
Cash and cash equivalents	24,883	29,832
Securities available for sale	966	825
Securities held to maturity	0	0
Total securities	966	825
Loans receivable:
Total loans receivable	0	0
Federal Home Loan Bank stock	0	0
Accrued interest receivable	12,466	11,222
Financial liabilities
Noninterest bearing demand deposits	1,558,459	1,126,715
Interest bearing demand deposits, savings, and money markets	110,541	105,273
Certificates of deposit	0	0
Total deposits	1,669,001	1,231,988
Advances from Federal Home Loan Bank	0	0
Federal fund purchased		0
Securities sold under agreements to repurchase	0	0
Subordinated debentures	0	0
Accrued interest payable	160	318
Level 2 [Member]
Financial assets
Cash and cash equivalents	0	0
Securities available for sale	1,201,570	1,139,391
Securities held to maturity	311,999	279,312
Total securities	1,513,569	1,418,703
Loans receivable:
Total loans receivable	0	0
Federal Home Loan Bank stock	13,250	21,245
Accrued interest receivable	0	0
Financial liabilities
Noninterest bearing demand deposits	0	0
Interest bearing demand deposits, savings, and money markets	0	0
Certificates of deposit	61,790	134,746
Total deposits	61,790	134,746
Advances from Federal Home Loan Bank	8,741	8,789
Federal fund purchased	261,000	470,000
Securities sold under agreements to repurchase	11,637	10,411
Subordinated debentures	10,413	10,415
Accrued interest payable	0	0
Level 3 [Member]
Financial assets
Cash and cash equivalents	0	0
Securities available for sale	0	0
Securities held to maturity	0	0
Total securities	0	0
Loans receivable:
Total loans receivable	630,251	504,388
Federal Home Loan Bank stock	0	0
Accrued interest receivable	0	0
Financial liabilities
Noninterest bearing demand deposits	0	0
Interest bearing demand deposits, savings, and money markets	0	0
Certificates of deposit	0	0
Total deposits	0	0
Advances from Federal Home Loan Bank	0	0
Federal fund purchased		0
Securities sold under agreements to repurchase	0	0
Subordinated debentures	0	0
Accrued interest payable	0	0
Carrying Amount [Member]
Financial assets
Cash and cash equivalents	24,883	29,832
Securities available for sale	1,202,536	1,140,216
Securities held to maturity	311,062	282,933
Total securities	1,513,598	1,423,149
Loans receivable:
Total loans receivable	624,739	499,201
Federal Home Loan Bank stock	13,250	21,245
Accrued interest receivable	12,466	11,222
Financial liabilities
Noninterest bearing demand deposits	1,558,459	1,126,715
Interest bearing demand deposits, savings, and money markets	110,541	105,273
Certificates of deposit	61,672	134,553
Total deposits	1,730,672	1,366,541
Advances from Federal Home Loan Bank	7,000	7,000
Federal fund purchased	261,000	470,000
Securities sold under agreements to repurchase	11,637	10,411
Subordinated debentures	10,310	10,310
Accrued interest payable	160	318
Estimated Fair Value [Member]
Financial assets
Cash and cash equivalents	24,883	29,832
Securities available for sale	1,202,536	1,140,216
Securities held to maturity	311,999	279,312
Total securities	1,514,535	1,419,528
Loans receivable:
Total loans receivable	630,251	504,388
Federal Home Loan Bank stock	13,250	21,245
Accrued interest receivable	12,466	11,222
Financial liabilities
Noninterest bearing demand deposits	1,558,459	1,126,715
Interest bearing demand deposits, savings, and money markets	110,541	105,273
Certificates of deposit	61,790	134,746
Total deposits	1,730,791	1,366,734
Advances from Federal Home Loan Bank	8,741	8,789
Federal fund purchased	261,000	470,000
Securities sold under agreements to repurchase	11,637	10,411
Subordinated debentures	10,413	10,415
Accrued interest payable	160	318
One to Four Family Residential Mortgage Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
One to Four Family Residential Mortgage Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
One to Four Family Residential Mortgage Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	111,355	111,254
One to Four Family Residential Mortgage Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	115,741	116,395
One to Four Family Residential Mortgage Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	111,355	111,254
Commercial and Multi-family Real Estate Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
Commercial and Multi-family Real Estate Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
Commercial and Multi-family Real Estate Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	270,464	234,845
Commercial and Multi-family Real Estate Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	260,537	224,302
Commercial and Multi-family Real Estate Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	270,464	234,845
Agricultural Real Estate Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
Agricultural Real Estate Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
Agricultural Real Estate Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	66,500	58,651
Agricultural Real Estate Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	65,720	56,071
Agricultural Real Estate Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	66,500	58,651
Consumer Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
Consumer Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
Consumer Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	30,889	29,580
Consumer Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	30,535	29,329
Consumer Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	30,889	29,580
Commercial Operating Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
Commercial Operating Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
Commercial Operating Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	21,746	25,660
Commercial Operating Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	27,266	30,846
Commercial Operating Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	21,746	25,660
Agricultural Operating Loans [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0	0
Agricultural Operating Loans [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0	0
Agricultural Operating Loans [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	43,101	44,398
Agricultural Operating Loans [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	41,749	42,258
Agricultural Operating Loans [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	43,101	44,398
Premium Finance [Member] | Level 1 [Member]
Loans receivable:
Total loans receivable	0
Premium Finance [Member] | Level 2 [Member]
Loans receivable:
Total loans receivable	0
Premium Finance [Member] | Level 3 [Member]
Loans receivable:
Total loans receivable	86,196
Premium Finance [Member] | Carrying Amount [Member]
Loans receivable:
Total loans receivable	83,191
Premium Finance [Member] | Estimated Fair Value [Member]
Loans receivable:
Total loans receivable	$86,196

GOODWILL_AND_INTANGIBLE_ASSETS2

GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 02, 2014
Goodwill [Roll Forward]
Balance, beginning of period	$0		$11,578
Balance, end of period	11,578		11,578
Intangible Assets [Roll Forward]
Patent costs capitalized during the period	77	161
Amortization during the period	-498	-36
Total [Roll Forward]
Balance, beginning of period	2,588	2,339
Acquisitions during the period	19,791
Balance, end of period	21,958	2,464
Trademark [Member]
Amortizable intangible assets [Abstract]
Amount	540
Book Amortization Period	15 years
Method	Straight Line
Non-Compete [Member]
Amortizable intangible assets [Abstract]
Amount	260
Book Amortization Period	3 years
Method	Straight Line
Customer Relationships [Member]
Amortizable intangible assets [Abstract]
Amount	7,240
Book Amortization Period	30 years
Method	Accelerated
Other [Member]
Amortizable intangible assets [Abstract]
Amount	173
Method	Straight Line
Specialty Finance [Member]
Goodwill [Roll Forward]
Balance, beginning of period	0	0
Acquisitions during the period	11,578
Balance, end of period	11,578	0
Intangible Assets [Roll Forward]
Balance, beginning of period	0	0
Acquisitions during the period	8,213
Patent costs capitalized during the period	0	0
Amortization during the period	-452	0
Balance, end of period	7,761	0
Meta Payment Systems [Member] | Patents [Member]
Intangible Assets [Roll Forward]
Balance, beginning of period	2,588	2,339
Acquisitions during the period	0
Patent costs capitalized during the period	77	161
Amortization during the period	-46	-36
Balance, end of period	$2,619	$2,464

REGULATORY_MATTERS_AND_SETTLEM1

REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS (Details) (USD $)	Mar. 31, 2015
In Billions, unless otherwise specified
REGULATORY MATTERS AND SETTLEMENT OF OTS ENFORCEMENT ACTIONS [Abstract]
Brokered deposit liabilities	$1.20
Percentage of brokered deposits (in hundredths)	69.00%