C o n f i d e n C e • C a p i t a l • C o m p l i a n C e
2 0 1 2 s u m m a r y a n n u a l r e p o r t
Company Profile
Meta Financial Group, Inc. (MFG) is the holding company
for MetaBank, a federally chartered savings bank.
Headquartered in Sioux Falls, South Dakota, its primary
banking businesses are deposits, loans and other financial
products and services to meet the needs of its commercial,
agricultural and retail customers and MetaBank’s electronic
payments division, Meta Payment Systems (MPS).
MFG shares are traded on the NASDAQ Global Market®
under the symbol “CASH.” MFG operates under a super-
community banking philosophy that allows the company
to grow while maintaining its community bank roots, with
localized decision making and customer service.
MetaBank operates twelve bank offices in four market areas:
Central Iowa; Northwest Iowa; Brookings, South Dakota and
Sioux Empire, South Dakota. During fiscal 2012, MPS managed
four primary business lines: prepaid cards, credit products,
Automated Teller Machine (ATM) sponsorship and Automated
Clearing House (ACH) origination.
MetaBank is a Member FDIC and an Equal Housing Lender.
The Company and MetaBank exceed regulatory capital requirements.
meta financial
group, inc.®
metabank™
retail bank
meta payment systems®
northwest iowa
market
central iowa market
brookings market
sioux empire market
2012 Summary Annual Report and Forward-looking Statements
MFG may from time to time make written or oral “forward-looking statements,” including statements contained in its filings with the Securities and Exchange
Commission (“SEC”), in its reports to stockholders, in this summary annual report, and in other communications by the Company, 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. You should read statements that contain these words carefully because they discuss our
future expectations or state other “forward-looking” information. These forward-looking statements include statements with respect to the Company’s beliefs,
expectations, estimates, and intentions that 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. Discussions of factors affecting the Company’s business and prospects are contained in the Company’s periodic filings
with the SEC. The Company expressly disclaims any intent or obligation to update any forward-looking statement, whether written or oral, that may be made
from time to time by or on behalf of the Company or its subsidiaries.
Financial Highlights
(Dollars in Thousands, Except Share and Per Share Data)
2012
2011
2010
2009
2008
at september 30
Total assets
Total loans, net
Total deposits
Stockholders’ equity
Book value per common share
Total equity to assets
$ 1,648,898
326,981
1,379,794
145,859
26.79
$
8.85%
$ 1,275,481
314,410
1,141,620
80,577
25.61
6.32%
$
$ 1,029,766
366,045
897,454
72,044
23.15
7.00%
$
$ 834,777
391,609
653,747
47,345
17.97
5.67%
$
$ 710,236
427,928
499,804
45,733
17.58
6.44%
$
for the fiscal year
Total interest income / noninterest income-cont. operations
Net interest income-continuing operations
Income (loss) from continuing operations, net of tax
Income from discontinued operations, net of tax
Net income (loss)
$ 106,871
33,734
17,114
-
17,114
$ 96,550
34,312
4,640
-
4,640
$ 136,527
33,090
12,393
-
12,393
$ 116,695
27,819
(1,463)
-
(1,463)
Diluted earnings (loss) per share:
Income (loss) from continuing operations
Income from discontinued operations
Net income (loss)
$
$
4.92
-
4.92
Return on average assets
Return on average assets-continuing operations
Return on average equity
Return on average equity-continuing operations
Net yield on interest-earning assets-continuing operations
1.22%
1.22%
18.47%
18.47%
2.56%
1.49
-
1.49
0.41%
0.41%
5.71%
5.71%
3.21%
$
4.11
-
4.11
$
(0.56)
-
(0.56)
1.22%
1.22%
20.59%
20.59%
3.43%
-0.20%
-0.20%
-3.13%
-3.13%
3.50%
$
$
75,114
24,003
(1,834)
811
(1,023)
(0.69)
0.31
(0.38)
-0.14%
-0.24%
-2.27%
-4.07%
3.51%
totAl ASSetS
In Millions
totAl loAnS, net
In Millions
totAl DePoSitS
In Millions
totAl RevenueS
In Millions
totAl net inCoMe (loSS)
In Millions
9
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’08 ’09 ’10 ’11 ’12
’08 ’09 ’10 ’11 ’12
’08 ’09 ’10 ’11 ’12
’08 ’09 ’10 ’11 ’12
’08 ’09 ’10 ’11 ’12
This summary annual report highlights information contained in MFG’s Form 10-K for the year ended September 30, 2012 and does not contain all of the
information you should consider in making investment decisions with respect to MFG’s common stock. You are urged to read the entire Form 10-K, including
the consolidated financial statements and the related notes and the information set forth under the headings “Risk Factors” and “Management’s Discussion and
Analysis of Financial Condition and Results of Operations.”
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
1
Letter to StockhoLderS
FinAnCiAl HiGHliGHtS AnD CoMMentS
On the cover, you see three words selected for emphasis
in this year’s Annual Report: Confidence, Capital and
Compliance.
Taken individually or linked to one another, these
simple terms crisply define our ongoing goals for 2013.
2012 proved to be an encouraging year with, most notably,
the highest net income in our history of $17.1 million,
or $4.92 per diluted share, which in turn yielded an
18.5% return on equity and an 1.2% return on assets.
In a direct reflection of confidence, Meta Financial
Group (MFG) attracted $47.4 million in new capital
during the year to fund anticipated growth,
bolstering our belief that sophisticated
investors believe that value creation
continues across the Meta enterprise.
Additionally, MetaBank’s Tier 1 capital,
an important regulatory measurement
of strength, increased by $59.3 million,
a 73% increase in fiscal 2012.
We recorded a number of other
meaningful benchmarks in fiscal 2012.
Total assets were over $1.6 billion at our
September 30, 2012 year end, a record
high for MFG and a reflection of what
we believe to be the prepaid industry’s
outstanding growth and earnings
potential. Total deposits grew to $1.38
billion, another record level, with 86% coming from
non-interest bearing deposits. In a gratifying indication
of strength and market power, MetaBank’s Meta
Payment Systems (MPS) division was recognized by
the Nilson Report as the largest U.S. issuer of prepaid
cards by purchase volume, reported at $14.4 billion
for MPS in fiscal 2011.
Our record-high net income and other advances must
be placed in the context of several prevailing conditions
to be fairly measured for their full significance and
understood as sources of confidence for our management
team and investors. Even at the record levels achieved,
9
6
6
3
$
6
7
9
4
$
.
.
our fiscal 2012 performance was hampered by a
persistently weak national economy accompanied by
continuing low marginal interest rates, a result of the
Federal Reserve’s ongoing five-year efforts to keep all
interest rates low; and by sluggish activity nationwide
in virtually all categories of borrowing. What I noted
a moment ago bears repeating: we believe we have a
cost of funds advantage which places us in an excellent
position to substantially benefit when interest rates rise
and asset yields improve.
Fiscal 2012 net income of $17.1 million was an all-
time high for MFG. Non-interest income increased 21%
to $69.6 million. Non-performing assets (NPAs) declined
metabank low-cost
Deposit balances
in millions
.
0
3
5
2
1
$
,
.
9
3
1
0
1
$
,
.
6
0
4
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’08 ’09 ’10 ’11 ’12
further to 0.16% of total assets at
September 30, 2012 compared to an
already low level of 1.24% of total assets
at September 30, 2011. On a segment
basis, MPS recorded fiscal earnings
of $6.5 million, up sharply from $3.9
million in 2011. In addition, MPS gener-
ated a quarterly average of $1.0 billion
in low or no cost deposits, reflecting
an increase of more than $309 million,
or 41%, from the prior year.
The subject of capital adequacy for
banks comes up frequently these days
in both the business and consumer media,
and it’s important to point out that
MetaBank continues to meet and exceed all federal regu-
latory capital requirements to remain a well-capitalized
institution. Moreover, we believe that our recent capital
raises position us for expected substantial future growth.
Seasoned investors know that in the corporate world
– as in all competitive pursuits – confidence is born as
much from adversity as it is of ease. Those who have
followed us closely over the past two years in particular
know that several issues have negatively impacted
our performance. As reported in this space last year,
we endured some $8.5 million in special legal and
regulatory costs, significantly impacting consolidated
2
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
“…principles include embracing inclusion, building
trust, promoting success and creating opportunity.”
results for 2011 and also affecting 2012, albeit at
much lower levels. As I will expand upon below, our
subsequent compliance and other regulatory efforts
have been focused on turning this costly adversity
into a competitive advantage.
Our confidence in Meta Financial Group and
its subsidiary MetaBank stems from the powerful,
organic combination of our Retail Bank and our
premier, industry-leading electronic payment systems
division, Meta Payment Systems. They represent a
rarely duplicated synergy of a large, noninterest bearing
deposit base – providing us with more than $1.0 billion
in no-cost funds – with high fee income from elite,
technologically sophisticated experts in
electronic payment business lines.
.
.
8
4
3
$
4
7
7
$
MetA PAyMent SySteMS
$6.5 MILLION IN NET INCOME
Meta Payment Systems has long been
recognized as a leader in the electronic
payment systems industry and is the top
issuer of prepaid cards in the United
States. MPS prepaid card products
include: General Purpose Reloadable
and payroll cards; and non-reloadable
cards, often called “disposable,” that
include gift cards, rebate cards and
incentive cards. MPS also sponsors
approximately 70% of “white label” ATMs in the U.S.,
and is an emergent leader in “virtual cards” for electron-
ic settlements. MPS has 23 patents on industry-related
products, with an additional 31 patents pending, placing
us at the cutting edge of new product development in this
highly dynamic field. MPS’ diverse product mix – now
and for the future – is a key feature of our business and
a significant competitive strength.
Our MPS growth strategies concentrate on serving
the widest possible range of consumers, including
“underbanked” and “unbanked” consumers. We believe
that these strategies, coupled with our highly scalable
operating infrastructure, present us with tremendous
opportunities for responsible growth. We have designed
products that we think will promote financial inclusion
and provide consumers with both convenience and
affordability, and we will continue to apply our
innovative skills and experience to this important task.
In June 2012, Meta was among the first institutions
to adopt a set of principles established by the Center
for Financial Services Innovation, a consumer advocacy
organization. The four aspirational principles include
embracing inclusion, building trust, promoting success
and creating opportunity. We are proud of our status as
the number one issuer of such cards; our position affords
mps non-interest income
in millions
2
.
3
9
$
5
.
3
5
$
.
0
3
5
$
’08 ’09 ’10 ’11 ’12
us both advantageous market insight
and a strong motivation to maintain
and increase our standing in a rapidly
expanding industry.
We believe MPS presents its
customers and business partners
with modern, efficient financial
instruments at a fair cost, while
presenting our competitors with
some significant barriers to entry,
including MPS’ industry expertise,
significant capital sourcing, and
scalable operating infrastructure.
You may recall an extensive
front-page story in the Wall Street
Journal last September that underscored the vitality
and potential of the electronic payment systems industry
and mirrored our own confidence in the sector.
According to data gathered by the Journal, fully 18%
of consumers who are “underbanked” – those who don’t
have a checking account but may have a savings account
or some other form of account with a bank – use prepaid
debit cards. This “underbanked” segment of the popula-
tion, which uses bank services infrequently or not at all,
comprises 28.3% of American households, according
to the Journal. The Journal also reported that 16% of
consumers earning $75,000-$99,999 per year utilize
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
3
“We believe that these measures have raised
performance levels and accountability.”
the prepaid cards. Among all consumers, 13% now use
the cards, the Journal said.
In a separate study cited by the Journal, the Federal
Reserve stated that prepaid debit cards are the fastest-
growing form of payment vehicle in U.S. commerce.
And, in terms of overall dollar volume flowing through
reloadable cards, the Journal article cited an independent
research estimate that the figure would reach $201.9
billion by 2013; a quantum increase from $28.6 billion
in 2009.
.
.
RetAil BAnkinG
$11.0 MILLION IN NET INCOME
Our Retail Bank provides regional
deposit taking and lending expertise for
its diverse customer base through twelve
offices in four markets in Iowa and
South Dakota. The Bank has been in
business for more than a half-century,
and has a strong and loyal customer
following of retail, commercial and
agricultural depositors and borrowers
who support its operations.
Credit quality at the Retail Bank
has been strong and improved further in
2012. The Bank’s loan to deposit spread
is at the 82nd percentile of U.S. banks,
a measurement that we believe is a good
indicator of the Retail Bank segment’s ability to generate
earnings. Moreover, the Bank’s credit quality, over the
span of the six consecutive quarters ending with fiscal
2012, has improved by more than 315%, and its
non-performing asset ratio at fiscal year end of 0.16%
was dramatically better than the industry average
which is still over 2.5%.
During fiscal 2012, the Retail Bank continued
to benefit from a program specifically designed to
streamline its operations to reduce costs and increase
efficiencies while further upgrading its customer
experience standards. These exercises include training
6
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1
$
0
5
1
$
programs intended to make our customer interface and
satisfaction levels second to none. Enhanced training
also included compliance training, a key to better
understanding and addressing increasing state and
federal regulatory requirements.
We believe that these measures have raised
performance levels and accountability. Comments
from our new and existing retail bank customers
attest that they, too, have responded very well to the
many improvements visible to them. As one reflection
of this response, checking balances grew to $62.9
million, up 20% over year-end 2011.
.
.
1
3
3
$
2
1
3
$
CAPitAl
Our continuing confidence in Meta’s
long-term growth and strength is based,
not only in our 2012 performance, but
also on our belief, based on our recent
track record, in our ability to raise capi-
tal to fund anticipated future growth.
Of particular satisfaction were the
sources of the new capital raised in 2012;
they included a blend of existing share-
holders, business partners and new
investors, all with a thorough and
sophisticated understanding of our
business. In May, we closed three private
placements totaling $13.2 million and in
late September, we closed on an additional nine separate
placements for $34.2 million…raising $47.4 million in
total. We believe these capital sources demonstrate a
broad reaching confidence in our company and it is
our expectation that the new capital will be deployed
to create value through anticipated growth and will
provide additional assurance of continued regulatory
capital in excess of requirements.
In that regard, at September 30, 2012, MetaBank
exceeded federal regulatory requirements to remain
classified as a well-capitalized institution. MetaBank’s
Tier 1 (core) capital to adjusted total assets was 8.56%
retail bank interest
bearing checking
in millions
.
0
0
3
$
’08 ’09 ’10 ’11 ’12
4
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
“Improvements from strong to even better levels
of credit quality continued in 2012…”
compared to a well-capitalized requirement of 5.0%,
its total capital to risk-weighted assets ratio was
23.59% which exceeds the well-capitalized require-
ment of 10.0%, and MetaBank’s Tier 1 (core) capital
to risk-weighted assets ratio was 22.94% compared to
the well-capitalized requirement of 6.0%. In addition,
MetaBank’s Tier 1 (core) capital to average adjusted
total assets ratio was 9.43%.
inveStMent QuAlity AnD DiveRSiFiCAtion
We believe the quality of our investment securities,
our government guaranteed mortgage-backed
and our municipal and corporate
bond investments along with our
outstanding loans receivable, are an
additional source of confidence, as
evidenced by our low NPA ratio.
This year we increased our investment
in highly rated municipal bonds by
approximately $251 million in the
fourth quarter of fiscal 2012 as a large
part of our investment asset diversifica-
tion plan, which we expect will also
enhance yields significantly in our
securities portfolio.
%
6
0
1
.
Improvements from strong to even
better levels of credit quality continued
in 2012, as pointed out earlier. Our
non-performing assets at fiscal year end were at
an impressive low of $2.6 million. As the chart on
this page demonstrates, this represents only 0.16%
of our assets against 1.24% in NPAs at fiscal year
end 2011. Additionally, there continued to be no
non-performing assets within the MPS segment at
September 30, 2012.
Returning to Meta Payment Systems for a moment,
I want to touch on a topic that may be repetitive for some
investors but is nonetheless very important to us. I refer
to compliance, a vital regulatory response function made
even more compelling by the data security challenges
facing our nation and the rapid growth of the electronic
payment systems industry.
With leadership, expertise and energy provided by
MPS President Brad Hanson and his superb team at
Meta Payment Systems, we have been working hard to
improve our compliance performance, which in this day
and age is a never ending, and critically important job.
One good example is our investment in the NICE
Actimize system, a comprehensive software platform
designed specifically to monitor customer transactional
activity in the financial services industry. As we
implement the system, it will serve both MetaBank
and Meta Payment Systems to protect consumers,
metabank non-performing assets
as a percentage of total assets
%
6
7
1
.
%
4
2
1
.
%
4
9
0
.
%
6
1
0
.
’08 ’09 ’10 ’11 ’12
better address compliance with the Bank
Secrecy Act and U.S. Patriot Act and
augment MPS’ efforts to comply with
existing and anticipated regulations
of the prepaid industry. Importantly,
the new platform is expected to reduce
operational expenses over time as a
result of its sophisticated scalability.
In short, because of our substantial
investments in program design, training,
and technology, as well as our early
entry into the prepaid card industry,
we believe we now have an early
adopter advantage in compliance
as we did with our prepaid sponsor-
ship model in the past.
The program design, technology, compliance,
and oversight systems we have constructed and are
continuing to improve have been expensive to be sure,
and there will be ongoing operating costs associated
with these programs. However, improving these systems
is an important element in helping us to meet three
critical objectives: to have systems in place to properly
support expected growth; to continue to produce
a distinct marginal advantage over our competitors;
and to effectively address compliance with our
regulatory requirements.
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
5
“We believe we have created
intrinsic shareholder value in difficult times…”
ConFiDenCe; CAPitAl; CoMPliAnCe
All three are important attributes of Meta that I expect
will support and sustain our intense drive for shareholder
value in fiscal 2013 and beyond.
During fiscal 2012, we improved our operations,
our capital base and our compliance systems, and our
core businesses have grown in a dramatic fashion.
We believe we have created intrinsic shareholder value
in difficult times, and that our new capabilities will serve
us well in a business environment that is, admittedly,
evolving along lines that are somewhat difficult to
predict. The economy, regulatory and governmental
changes and other important matters will impact our
customers and us. Yet we think our lines of business have
the flexibility – and our people have the ingenuity – to
adapt quickly to change. We believe these are qualities
that will serve us well in fiscal 2013.
I want to recognize our Board of Directors for their
guidance and support. Further, I extend my warm
thanks to our management team and to each of our
talented and dedicated employees for their consistently
superior performance under changing circumstances.
Finally, I would also like to thank all our customers and
business partners without whom Meta could not have
enjoyed the success we have achieved.
J. tyler haahr
Chairman of the Board, President and CEO
December 21, 2012
FunDinG SouRCeS
wholesale
borrowings: 3%
savings: 1%
wholesale
borrowings: 3%
savings: 2%
money markets: 3%
money markets: 3%
certificates: 10%
certificates: 7%
checking: 83%
checking: 85%
2011
2012
6
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
investor information
Annual Meeting of Stockholders
Stockholder Services
investor Relations
Requests for Form 10-K, other inquiries or
investor comments are welcome and
should be directed to:
Debra Thompson
Senior Executive Assistant
Meta Financial Group
5501 South Broadband Lane
Sioux Falls, South Dakota 57108
Telephone: 605.361.4347 or
866.550.6382
Email: invrelations@metabank.com
Web site: www.metafinancialgroup.com
The Annual Meeting of Shareholders will
convene at 1:00 pm on Friday, January 18,
2013. The meeting will be held in the
Meta Payment Systems Building, 5501
South Broadband Lane, Sioux Falls,
South Dakota. Further information with
regard to this meeting can be found in
the proxy statement.
independent Auditors
KPMG LLP
2500 Ruan Center
666 Grand Avenue
Des Moines, Iowa 50309-2372
Stockholders desiring to change the name,
address, or ownership of stock; to report
lost certificates; or to consolidate accounts,
should contact the corporation’s transfer
agent:
Registrar & Transfer Company
10 Commerce Drive
Cranford, New Jersey 07016
Telephone: 800.368.5948
Email: invrelations@rtco.com
Web site: www.rtco.com
Form 10-k
Copies of the Company’s Annual Report on
Form 10-K for the year ended September 30,
2012 (excluding exhibits thereto) may be
obtained without charge from Investor
Relations.
Dividend and Stock Market information
Meta Financial Group’s common stock trades on the NASDAQ Global Market® under the
symbol “CASH.” Quarterly dividends for 2012 and 2011 were $0.13. The price range of the
common stock, as reported on the NASDAQ System, was as follows:
Fiscal year 2011
low
HiGH
Fiscal year 2012
low
HiGH
First Quarter
Second Quarter
Third Quarter
Fourth Quarter
$ 12.63
$ 33.23
$ 14.14
$ 17.13
13.85
13.22
17.14
18.50
19.05
22.30
15.53
19.74
19.60
22.00
21.68
24.78
Prices disclose inter-dealer quotations
without retail mark-up, mark-down or
commissions, and do not necessarily
represent actual transactions.
Dividend payment decisions are made
with consideration of a variety of factors
including earnings, financial condition,
market considerations and regulatory
restrictions. Restrictions on dividend
payments are described in Note 14 of
the Notes to Consolidated Financial
Statements included in our Annual
Report on Form 10-K.
As of September 30, 2012, Meta
Financial Group had 5,443,881 shares
of common stock outstanding, which
were held by approximately 216 stock-
holders of record, and 389,358 shares
subject to outstanding options. The
stockholders of record number does
not reflect approximately 800 persons
or entities that hold their stock in
nominee or “street” name.
›› Comparison of Cumulative total Return of Meta Financial Group
(NASDAQ symbol: CASH, broad market and industry index)
For five fiscal years commencing October 1, 2007 and ending September 30, 2012.
200
150
100
50
0
NASDAQ Composite Index
Morningstar Group Index1
Meta Financial Group, Inc.
2007
2008
2009
2010
2011
2012
Historical stock price performance shown on the graph is not necessarily indicative of future price performance.
1Morningstar Savings & Cooperative Banks (approximately 220 companies)
Market Makers for Meta Financial Group
(nASDAQ: “CASH”) as of September 30,
2012:
• Wedbush Morgan Securities Inc.
• uBS Warburg Securities Ltd.
• Knight Capital Americas, L.P.
• Citadel Securities Corp.
• Interactive Brokers LLC
• Goldman, Sachs & Co.
• Merrill Lynch, Pierce, Fenner & Smith Inc.
• Sandler O’Neill & Partners, L.P.
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
7
Board of Directors / Senior officers
BoARD oF DiReCtoRS
SenioR oFFiCeRS
J. tyler Haahr
Chairman of the Board, President and
Chief Executive Officer of Meta Financial
Group and MetaBank
J. tyler Haahr
Chairman of the Board, President and
Chief Executive Officer of Meta Financial
Group and MetaBank
e. thurman Gaskill
Vice Chairman of the Board and
Lead Director of Meta Financial Group
and MetaBank
Iowa State Senator (1998 - 2008) and
Grain and Livestock Farming Operation
Owner
Brad C. Hanson
Executive Vice President of Meta Financial
Group and MetaBank and President of
Meta Payment Systems Division
Frederick v. Moore
President of Buena Vista university
troy Moore
Executive Vice President and
Chief Operating Officer of Meta Financial
Group and MetaBank
Rodney G. Muilenburg
Retired Dairy Specialist Manager of
Purina Mills, Inc.; Retired Consultant for
TransOva Genetics Dairy Division and
Retired Director of Sales and Marketing
for TransOva Genetics
Jeanne Partlow
Retired Chairman of the Board and
President of Iowa Savings Bank
Brad C. Hanson
Executive Vice President of Meta Financial
Group and MetaBank and President of
Meta Payment Systems Division
David w. leedom
Executive Vice President, Secretary,
Treasurer and Chief Financial Officer of
Meta Financial Group
troy Moore
Executive Vice President and Chief
Operating Officer of Meta Financial Group
and MetaBank
Jim Accordino
Senior Vice President of Business
Development and Partner Services of
Meta Payment Systems Division
Ron Butterfield
Senior Vice President and Chief of Staff
of Meta Payment Systems Division
Michael Conlin
Senior Vice President of Product
Management of Meta Payment
Systems Division
Merid eshete, CRP
Senior Vice President and Chief Risk Officer
ira Frericks
Senior Vice President and
Chief Accounting Officer
Debra J. Geister
Senior Vice President and BSA / AML Officer
John Hagy
Senior Vice President and
Chief Legal Officer
Sandra k. Hegland, SPHR
Senior Vice President,
Director of Human Resources
Barbara koopman
Senior Vice President of
Retail Bank Operations
troy larson
Senior Vice President of
Information Services
ellen Moore
Senior Vice President of
Sales & Marketing
Steven G. Patterson
Chief Lending Officer and President
of MetaBank Central Iowa Market
timothy Peters
President of MetaBank Brookings Market
Jeanni Stahl
Senior Vice President,
Third Party Risk and Compliance
kathy M. thorson
President of MetaBank
Sioux Empire Market
Jon w. wilcke
President of MetaBank
Northwest Iowa Market
8
MetA FinAnCiAl GRouP 2012 SuMMARY ANNuAL REPORT
MetA PAyMent SySteMS
metapay.com
Sioux Falls
5501 South Broadband Lane
Sioux Falls, South Dakota 57108
605.361.4347
866.550.6382
605.338.0604 fax
Meta Financial Group
MetA FinAnCiAl GRouP
metafinancialgroup.com
MetABAnk
metabank.com
Sioux Falls
5501 South Broadband Lane
Sioux Falls, South Dakota 57108
605.361.4347
866.550.6382
605.338.0604 fax
›› noRtHweSt iowA MARket
Storm lake Main office
121 East Fifth Street
P.O. Box 1307
Storm Lake, Iowa 50588
712.732.4117
800.792.6815
712.749.7502 fax
Storm lake Plaza
1413 North Lake Avenue
P.O. Box 1307
Storm Lake, Iowa 50588
712.732.6655
712.732.7924 fax
›› CentRAl iowA MARket
Central iowa Main office
Downtown Des Moines
418 Sixth Avenue, Suite 205
Des Moines, Iowa 50309
515.243.0630
515.447.4242 fax
Highland Park
3624 Sixth Avenue
Des Moines, Iowa 50313
515.288.4866
515.288.3104 fax
ingersoll
3455 Ingersoll Avenue
Des Moines, Iowa 50312
515.274.9674
515.274.9675 fax
Jordan Creek
270 South 68th Street
West Des Moines, Iowa 50266
515.223.0440
515.223.0439 fax
urbandale
4848 86th Street
urbandale, Iowa 50322
515.309.9800
515.309.9801 fax
west Des Moines
3448 Westown Parkway
West Des Moines, Iowa 50266
515.226.8474
515.226.8475 fax
›› BRookinGS MARket
Brookings Main office
600 Main Avenue
P.O. Box 98
Brookings, South Dakota 57006
605.692.2314
800.842.7452
605.692.7059 fax
›› Sioux eMPiRe MARket
Sioux Falls Main office
4900 South Western Avenue
Sioux Falls, South Dakota 57108
605.338.0059
605.338.0155 fax
South Minnesota
2500 South Minnesota Avenue
Sioux Falls, South Dakota 57105
605.977.7500
605.977.7501 fax
west 12th Street
2104 West 12th Street
Sioux Falls, South Dakota 57104
605.336.8900
605.336.8901 fax
metafinancialgroup.com