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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549 
FORM 10-K
 
  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 (d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended September 30, 2019
OR
  TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from            to           

Commission File Number:  0-22140
 
http://api.tenkwizard.com/cgi/image?quest=1&rid=23&ipage=13227130&doc=16
META FINANCIAL GROUP INC
(Exact name of registrant as specified in its charter)
Delaware
42-1406262
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)

5501 South Broadband Lane, Sioux Falls, South Dakota 57108
(Address of principal executive offices and Zip Code)

(605) 782-1767
(Registrant’s telephone number, including area code)

Securities Registered Pursuant to Section 12(b) of the Act:
Title of each class
Trading Symbol(s)
Name of each exchange on which registered
Common Stock, $.01 par value
CASH
The NASDAQ Stock Market LLC

Securities Registered Pursuant to Section 12(g) of the Act:  None
 
Indicate by check mark if the Registrant is a well‑known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes ☐ No
 
Indicate by check mark if the Registrant is not required to file reports pursuant Section 13 and Section 15(d) of the Act.  YesNo
 
Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  Yes ☒ No ☐


Indicate by check mark whether the Registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S‑T during the preceding 12 months (or for such shorter period that the Registrant was required to submit and post such files).  Yes ☒ No ☐.
 
Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non‑accelerated filer, smaller reporting company, or an emerging growth company. (Check one):
Large accelerated filer
Accelerated filer
Non-accelerated filer
Smaller Reporting Company
Emerging growth company
 
 
 
 
 
 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standard provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b‑2 of the Exchange Act).  Yes ☒ No
 
As of March 31, 2019, the aggregate market value of the voting stock held by non-affiliates of the Registrant, computed by reference to the average of the closing bid and asked prices of such stock on the NASDAQ Global Select Market as of such date, was $701.3 million.
 
As of November 22, 2019, there were 37,584,488 shares of the Registrant’s Common Stock outstanding.
 
DOCUMENTS INCORPORATED BY REFERENCE
 
PART III of Form 10-K -- Portions of the Proxy Statement for the Annual Meeting of Stockholders to be held February 25, 2020 are incorporated by reference into Part III of this report.

 
 
 
 
 

1


META FINANCIAL GROUP, INC.
FORM 10-K

Table of Contents
 
 
 
 
 
PART I
Page
No.
 
 
Item 1.
Item 1A.
Item 1B.
Item 2.
Item 3.
Item 4.
 
 
 
 
PART II
 
 
 
 
Item 5.
Item 6.
Item 7.
Item 7A.
Item 8.
Item 9.
Item 9A.
Item 9B.
 
 
 
 
PART III
 
 
 
 
Item 10.
Item 11.
Item 12.
Item 13.
Item 14.
 
 
 
 
PART IV
 
 
 
 
Item 15.
Item 16.


i

Table of Contents

Forward-Looking Statements
 
Meta Financial Group, Inc.® (“Meta” or “the Company” or “us”) and its wholly-owned subsidiary, MetaBank® (the “Bank” or “MetaBank”), may from time to time make written or oral “forward-looking statements,” including statements contained in this Annual Report on Form 10-K, in its other filings with the Securities and Exchange Commission (“SEC”), in its reports to stockholders, and in other communications by the Company and the Bank, which are made in good faith by the Company pursuant to the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.
You can identify forward-looking statements by words such as “may,” “hope,” “will,” “should,” “expect,” “plan,” “anticipate,” “intend,” “believe,” “estimate,” “predict,” “potential,” “continue,” “could,” “future,” or the negative of those terms, or other words of similar meaning or similar expressions. You should carefully read statements that contain these words because they discuss our future expectations or state other “forward-looking” information. These forward-looking statements are based on information currently available to us and assumptions about future events, and include statements with respect to the Company’s beliefs, expectations, estimates, and intentions, which are subject to significant risks and uncertainties, and are subject to change based on various factors, some of which are beyond the Company’s control. Such risks, uncertainties and other factors may cause our actual growth, results of operations, financial condition, cash flows, performance and business prospects and opportunities to differ materially from those expressed in, or implied by, these forward-looking statements. Such statements address, among others, the following subjects: future operating results; our ability to remediate the material weakness in our internal controls over financial reporting and otherwise maintain effective internal controls over financial reporting; customer retention; loan and other product demand; important components of the Company's statements of financial condition and operations; growth and expansion; expectations concerning the Company's acquisitions and divestitures, including the potential benefits of, and other expectations for the Company in connection with, such transactions; new products and services; credit quality and adequacy of reserves; technology; and the Company's employees. The following factors, among others, could cause the Company's financial performance and results of operations to differ materially from the expectations, estimates, and intentions expressed in such forward-looking statements: maintaining our executive management team; the expected growth opportunities, beneficial synergies and/or operating efficiencies from the Crestmark Acquisition may not be fully realized or may take longer to realize than expected; customer losses and business disruption related to the Crestmark Acquisition; unanticipated or unknown losses and liabilities may be incurred by the Company following the Crestmark Acquisition; the risk that the transaction with Central Bank may not occur on a timely basis or at all; the parties' ability to obtain third party and regulatory approvals, and otherwise satisfy the other conditions to closing the transaction with Central Bank, on a timely basis or at all; the costs, risks and effects on the Company of the ongoing federal investigation and bankruptcy proceedings involving DC Solar Solutions, Inc., DC Solar Distribution, Inc., and their affiliates, including the potential financial impact of those matters on the net book value of Company assets leased to DC Solar Distribution and the Company’s ability to recognize certain investment tax credits associated with such assets; factors relating to the Company’s share repurchase program; actual changes in interest rates and the Fed Funds rate; additional changes in tax laws; the strength of the United States' economy, in general, and the strength of the local economies in which the Company conducts operations; the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System (the “Federal Reserve”), as well as efforts of the United States Congress and the United States Treasury in conjunction with bank regulatory agencies to stimulate the economy and protect the financial system; inflation, market, and monetary fluctuations; the timely and efficient development of, and acceptance of, new products and services offered by the Company or its strategic partners, as well as risks (including reputational and litigation) attendant thereto, and the perceived overall value of these products and services by users; the risks of dealing with or utilizing third parties, including, in connection with the Company’s refund advance business, the risk of reduced volume of refund advance loans as a result of reduced customer demand for or acceptance of usage of Meta’s strategic partners’ refund advance products; any actions which may be initiated by our regulators in the future; the impact of changes in financial services laws and regulations, including, but not limited to, laws and regulations relating to the tax refund industry and the insurance premium finance industry; our relationship with our primary regulators, the Office of the Comptroller of the Currency and the Federal Reserve, as well as the Federal Deposit Insurance Corporation, which insures MetaBank’s deposit accounts up to applicable limits; technological changes, including, but not limited to, the protection of electronic files or databases; acquisitions; litigation risk, in general, including, but not limited to, those risks involving MetaBank's divisions; the growth of the Company’s business, as well as expenses related thereto; continued maintenance by MetaBank of its status as a well-capitalized institution, particularly in light of our growing deposit base, a portion of which has been characterized as “brokered”; changes in consumer spending and saving habits; and the success of the Company at maintaining its high quality asset level and managing and collecting assets of borrowers in default should problem assets increase.
These statements are based on information currently available to us and are subject to various risks, uncertainties, and other factors, including, but not limited to, those discussed herein under the caption “Risk Factors” that could cause our actual growth, results of operations, financial condition, cash flows, performance and business prospects and opportunities to differ materially from those expressed in, or implied by, these statements.

The foregoing list of factors is not exclusive.  We caution you not to place undue reliance on these forward-looking statements, which speak only as of the date of this report.  All subsequent written and oral forward-looking statements attributable to us or any person acting on our behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this section.  Additional discussions of factors affecting the Company’s business and prospects are contained herein, including under the caption “Risk Factors,” and in the Company’s periodic filings with the SEC.  The Company expressly disclaims any intent or obligation to update any forward-looking statements, whether written or oral, that may be made from time to time by or on behalf of the Company or its subsidiaries.

2

Table of Contents


PART I

Item 1.     Business

GENERAL
 
Meta, a registered unitary savings and loan holding company, was incorporated in Delaware on June 14, 1993, the principal assets of which are all the issued and outstanding shares of the Bank, a federal savings bank, the accounts of which are insured up to applicable limits by the Federal Deposit Insurance Corporation ("FDIC") as administrator of the Deposit Insurance Fund (“DIF”).  Unless the context otherwise requires, references herein to the Company include Meta and the Bank, and all subsidiaries of Meta, direct or indirect, on a consolidated basis.

The Bank, a wholly-owned full-service banking subsidiary of Meta, operates through three reportable segments (Payments, Banking, and Corporate Services/Other). The diagram below reflects the Company's divisions and how they fall within the Company's segment structure. The Company works with high-value niche industries, strategic-growth companies and technology adopters to grow their businesses and build more profitable customer relationships. The Company tailors solutions for bank and non-bank businesses, and provides a focused collaborative approach.
http://api.tenkwizard.com/cgi/image?quest=1&rid=23&ipage=13227130&doc=17

The business of the Bank consists of attracting deposits and investing those funds in its National Lending and Community Banking loan and lease portfolios. On August 1, 2018, the Company completed the acquisition of Crestmark Bancorp, Inc. ("Crestmark") and its Michigan state-charted bank subsidiary, Crestmark Bank (the "Crestmark Acquisition"). Through the Crestmark Acquisition, the Company expanded its business-to-business commercial financing business. In addition to originating loans and leases, the Bank also occasionally contracts to sell loans, such as tax refund advance loans, consumer credit product loans, and government guaranteed loans, to third party buyers. The Bank also sells and purchases loan participations from time to time to and from other financial institutions, as well as mortgage-backed securities ("MBS") and other investments permissible under applicable regulations.

In addition to its lending and deposit gathering activities, the Bank’s divisions issue prepaid cards, design innovative consumer credit products, sponsor automated teller machines (“ATMs”) into various debit networks, and offer tax refund-transfer services and other payment industry products and services.  Through its activities, the Meta Payment Systems (“MPS”) division generates both fee income and low-cost deposits for the Bank.

First Midwest Financial Capital Trust I, also a wholly-owned subsidiary of the Company, was established in July 2001 for the purpose of issuing trust preferred securities.

In April 2017, the Company formed a new entity, Meta Capital, LLC ("Meta Capital"), that is a wholly-owned service corporation subsidiary of MetaBank. Meta Capital was formed for the purpose of making minority equity investments. Meta Capital focuses on investing in companies in the financial services industry.

The Company is subject to comprehensive regulation and supervision. See “Regulation and Supervision” herein.
 

3

Table of Contents

The principal executive office of the Company is located at 5501 South Broadband Lane, Sioux Falls, South Dakota 57108.  Its telephone number at that address is (605) 782-1767.
 
MARKET AREAS
 
The Payments segment, which provides payments products and services nationwide, primarily operates out of Sioux Falls, South Dakota, with additional offices in Louisville, Kentucky, Easton, Pennsylvania and Hurst, Texas. Within the Company's Banking segment, the AFS/IBEX division operates out of its headquarters in Dallas, Texas with other offices throughout the country. Crestmark operates out of its headquarters in Troy, Michigan, with other offices throughout the country. The community bank’s locations and primary market areas include nine branch offices in Storm Lake, Iowa, Brookings, South Dakota, Sioux Falls, South Dakota and the Des Moines, Iowa area. Following the fiscal year ended September 30, 2019, the Company announced on November 20, 2019, that MetaBank entered into an agreement with Central Bank ("Central") for the sale of MetaBank's community bank division, which includes the sale of the nine branches previously mentioned above. See "Community Banking-Sale of Community Bank Division."

LENDING ACTIVITIES
 
General
The diagram below shows the composition of the Company's lending portfolio by loan type. The Company emphasizes credit quality and seeks to avoid undue concentrations of loans and leases to a single industry or based on a single class of collateral. The Company has established lending policies that include a number of underwriting factors that it considers in making a loan, including loan-to-value ratio, cash flow, interest rate and credit history of the borrower.
http://api.tenkwizard.com/cgi/image?quest=1&rid=23&ipage=13227130&doc=15

4

Table of Contents

The Company focuses its lending activities on the origination of commercial finance loans, consumer finance loans and taxpayer advance loans. The Company also continues to originate traditional one-to-four family mortgage loans, commercial operating loans, multi-family real estate loans, consumer loans and agricultural-related loans. At September 30, 2019, the Company’s loans and leases receivable, net of allowance for loan and lease losses, totaled $3.63 billion, or 59% of the Company’s total assets, as compared to $2.93 billion, or 50%, at September 30, 2018.

Loan and lease applications are initially considered and approved at various levels of authority, depending on the type and amount of the loan or lease as directed by the Bank's lending policies.  The Company has a loan committee structure in place for oversight of its lending activities.  Loans and leases in excess of certain amounts require approval by either an Executive Credit Committee or a Board Credit Committee. The Company may discontinue, adjust, or create new lending programs to respond to competitive factors. 
 
At September 30, 2019, the Company’s largest lending relationship to a single borrower or group of related borrowers totaled $88.9 million.  The Company had 24 other lending relationships in excess of $14.5 million as of September 30, 2019
 
Loan and Lease Portfolio Composition

The following table provides information about the composition of the Company’s loan and lease portfolio in dollar amounts and in percentages as of the dates indicated.  In general, for the fiscal year ended September 30, 2019, the aggregate principal amounts in all categories of loans and leases discussed below, except agricultural loans, increased over levels from the prior fiscal year.

Loan and lease tables have been conformed to be consistent with the Company's updated categorization of its lending portfolio between National Lending and Community Banking.


5

Table of Contents

 
At September 30,
 
2019
 
2018
 
2017
 
2016
 
2015
(Dollars in Thousands)
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
Real estate loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
National Lending
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial finance
$
42,266

 
1.2
%
 
$
14,971

 
0.5
%
 
$

 
%
 
$

 
%
 
$

 
%
Total National Lending
42,266

 
1.2
%
 
14,971

 
0.5
%
 

 
%
 

 
%
 

 
%
Community Banking


 


 


 


 


 


 


 


 


 


Commercial real estate and operating
849,171

 
23.3
%
 
748,579

 
25.4
%
 
585,510

 
44.1
%
 
422,932

 
45.7
%
 
310,199

 
43.5
%
Consumer one-to-four family real estate and other
235,365

 
6.4
%
 
223,482

 
7.7
%
 
196,706

 
14.8
%
 
162,298

 
17.5
%
 
125,021

 
17.5
%
Agricultural real estate and operating
37,029

 
1.0
%
 
36,780

 
1.2
%
 
61,800

 
4.7
%
 
63,612

 
6.9
%
 
64,316

 
9.0
%
Total Community Banking
1,121,565

 
30.7
%
 
1,008,841

 
34.3
%
 
844,016

 
63.6
%
 
648,842

 
70.1
%
 
499,536

 
70.0
%
Total real estate loans
1,163,831

 
31.9
%
 
1,023,812

 
34.8
%
 
844,016

 
63.6
%
 
648,842

 
70.1
%
 
499,536

 
70.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
National Lending
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial finance
1,873,964

 
51.3
%
 
1,494,878

 
50.8
%
 
255,308

 
19.2
%
 
174,034

 
18.8
%
 
106,505

 
14.9
%
Consumer finance
268,198

 
7.3
%
 
270,361

 
9.2
%
 
140,229

 
10.6
%
 
14,300

 
1.5
%
 
13,261

 
1.9
%
Tax services
2,240

 
0.1
%
 
1,073

 
%
 
192

 
%
 
190

 
%
 

 
%
Warehouse finance
262,924

 
7.2
%
 
65,000

 
2.2
%
 

 
%
 

 
%
 

 
%
Total National Lending
2,407,326

 
65.9
%
 
1,831,312

 
62.2
%
 
395,729

 
29.8
%
 
188,524

 
20.4
%
 
119,766

 
16.8
%
Community Banking


 


 


 


 


 


 


 


 


 


Commercial real estate and operating
34,761

 
0.9
%
 
42,311

 
1.4
%
 
30,718

 
2.3
%
 
28,651

 
3.1
%
 
29,893

 
4.2
%
Consumer one-to-four family real estate and other
24,060

 
0.7
%
 
23,836

 
0.8
%
 
22,775

 
1.7
%
 
22,794

 
2.5
%
 
20,266

 
2.8
%
Agricultural real estate and operating
21,435

 
0.6
%
 
23,718

 
0.8
%
 
33,594

 
2.5
%
 
37,083

 
4.0
%
 
43,626

 
6.1
%
Total Community Banking
80,256

 
2.2
%
 
89,865

 
3.0
%
 
87,087

 
6.6
%
 
88,528

 
9.6
%
 
93,785

 
13.2
%
Total other loans and leases
2,487,582

 
68.1
%
 
1,921,177

 
65.2
%
 
482,816

 
36.4
%
 
277,052

 
29.9
%
 
213,551

 
30.0
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Total loans and leases
$
3,651,413

 
100.0
%
 
$
2,944,989

 
100.0
%
 
$
1,326,832

 
100.0
%
 
$
925,894

 
100.0
%
 
$
713,087

 
100.0
%







6

Table of Contents

The following table shows the composition of the Company’s loan and lease portfolio by fixed- and adjustable-rate at the dates indicated.
 
At September 30,
 
2019
 
2018
 
2017
 
2016
 
2015
(Dollars in thousands)
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
 
Amount
 
Percent
Fixed-rate loans and leases:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
National Lending
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial finance
$
1,113,071

 
30.5
%
 
$
956,920

 
32.5
%
 
$
250,459

 
18.9
%
 
$
171,604

 
18.5
%
 
$
106,505

 
15.0
%
Consumer finance
22,965

 
0.6
%
 
21,093

 
0.7
%
 
16,489

 
1.2
%
 
14,300

 
1.5
%