2 0 1 4 S U M M A R Y A N N U A L R E P O R T
opportunity
moving forward
Company Profile
Meta Financial Group, Inc.® (MFG or
the Company) is the holding company
for MetaBank®, a federally chartered
savings bank. MFG shares are traded
on the NASDAQ Global Market® under
the symbol “CASH.”
Headquartered in Sioux Falls, S.D.,
MetaBank operates two distinct busi-
nesses: MetaBank, its traditional retail
banking operation, and Meta Payment
Systems®, its electronic payments divi-
sion. The synergies between the two
provide a unique business model for
the Company.
The traditional bank operates 11 retail
branches in four market areas: Central
Iowa; Northwest Iowa; Brookings, S.D.
and Sioux Empire, S.D. MetaBank offers
traditional banking services designed
to serve the needs of individual, agri-
cultural and business depositors and
borrowers.
Meta Payment Systems (MPS) is
recognized as a national leader in the
payments industry. It manages four
primary product lines: prepaid cards,
credit products, automated teller
machine (ATM) sponsorship and elec-
tronic funds transfer (EFT) business.
MPS provides financial options to
underserved customers who do
not qualify for or choose not to use
traditional banking services.
Meta’s vision is to promote
financial inclusion for everyone™. In 2014,
MetaBank was recognized as one of
the top 100 performing banks in the
United States compared to other banks
its size (ABA Banking Journal, 2014; Bank
Director Magazine, 2014). Meta Payment
Systems consistently ranks as one of
the top two prepaid card issuers in the
United States and has the largest “white
label” ATM network in the nation.
MetaBank is a Member FDIC and an Equal Housing Lender.
META FINANCIAL
GROUP, INC.
METABANK®
AFS / IBEX*
RETAIL BANK
META PAYMENT SYSTEMS®
NORTHWEST IOWA
MARKET
CENTRAL IOWA MARKET
BROOKINGS MARKET
SIOUX EMPIRE MARKET
2014 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 shareholders, 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.
*Announced acquisition, pending expected December 2014 closing. As of printing date November 24, 2014.
To Our Shareholders and Customers of Meta Financial Group
Opportunity is defined as the favorable combination of circumstances that make it possible for
success. At Meta, opportunity has always moved us forward in everything we do, whether it is strategic
acquisitions and partnerships, delivering new and improved products and services to our customers
or diversifying our revenue streams to further capitalize on our low cost of funds. I believe that when
the Office of the Comptroller of the Currency (OCC) lifted the bank’s consent order in August 2014,
it opened the door to new opportunities for Meta. We believe 2015 will offer even more exciting
opportunities to further enhance Meta’s growth, diversification and long-term objectives.
Meta is well-positioned, and we are ready to begin the next chapter in our history. Over the past four
years, we have worked diligently to build what we think are world-class systems, processes and controls
while providing best-in-class service to our partners and customers. Particularly in the last year, we
have been preparing for life and opportunities in anticipation of the lifting of the order. In August and
September 2014, Meta signed three new program manager agreements with UniRush, LLC; Card Limited;
and hyperWALLET (HSI USA Inc.). In July 2014, we issued our 500 millionth prepaid card.
In October 2014, Meta announced that it will acquire substantially all of the assets of AFS/IBEX Financial
Services, Inc. (AFS). AFS is a top-10 national commercial insurance premium finance company. Meta is
excited to join forces with AFS, and we believe that this national insurance premium finance company
is a perfect complement to our national deposit franchise. We believe that AFS will help diversify, build our
loan portfolio and enhance income. Meta is purchasing approximately $80 million of loans, and the expected
ongoing loan growth will further replace lower-yielding securities on our balance sheet. We expect the
transaction to close in December 2014, and we believe it will be immediately accretive to earnings.
I continue to believe that our lower and more stable cost of funds gives us a very distinct and signifi-
cant competitive advantage, both now and even more so in a rising rate environment. With more than
85 percent non-interest-bearing deposits, we expect that Meta’s cost of funds will remain low while asset
yields increase, thus providing potential for increasing net interest margin compared to other banks, as
was demonstrated in 2014. Meta has the capacity to fund and support new growth, and we will continue
to invest in our people, technology and infrastructure to support new opportunities and business devel-
opment that we believe will provide you, our shareholders, with a brighter and more profitable future.
I personally want to thank Jeanne Partlow, who is retiring in January 2015, after almost 20 years of
dedicated service on the Board of Directors. While we will miss Jeanne greatly, we are welcoming
Elizabeth “Betty” Hoople, who brings extensive payments, banking and leadership expertise and experi-
ence to the Board of Directors. I also want to take this opportunity to thank our other board members,
employees, customers and shareholders for another outstanding year. Thank you for all you do to make
Meta the success it is today.
Sincerely,
J. Tyler Haahr
Chairman of the Board and
Chief Executive Officer
Meta Financial Group, Inc.
J. Tyler Haahr is the Chairman
of the Board and Chief Executive
Officer of Meta Financial Group,
Inc. (MFG), and MetaBank. He
has held this position since 2011.
Mr. Haahr joined MFG and its
affiliates in 1997.
2014 Fiscal Year Highlights
Meta achieved many successes in 2014, despite the limitations under the OCC order. A few highlights from our
2014 fiscal year include:
• Total net income increased from $13.4 million in fiscal year 2013 to $15.7 million in 2014, up 17%. This was mainly
driven by growth from our Retail Bank and improved yields achieved in the securities portfolio. Net income for
2014 also includes acquisition-related expenses of $0.6 million and $0.3 million of one-time expenses related to
a partner servicing platform change and settlement of a lawsuit where MetaBank was the plaintiff and settled
for a lower amount to avoid the cost of litigation. In addition, prior-year income included $2.5 million of gain on
sale of securities and a $0.6 million impairment on assets held for sale. Excluding these items, net income after
tax was up $4.1 million, or 33%, to $16.3 million.
• Total assets increased 21%, from $1.69 billion at the end of fiscal 2013 to $2.05 billion at the end of 2014.
• Earnings per diluted share for fiscal 2014 increased 6% to $2.53, versus $2.38 in 2013.
• Tangible book value per common share increased by $4.74, or 21%, from $23.17 at September 2013 to $27.91 per
share at September 2014, partially due to a sizable increase in fair market value of available-for-sale securities,
which positively affected accumulated other comprehensive income.
• Overall cost of funds at MetaBank was 0.14% during fiscal 2014, compared to 0.19% for 2013.
• Total net loans increased $112.6 million, or 30%, in fiscal 2014. Meta took $1.1 million in provision expense related
to loan growth, as the company actually had $0.3 million of net recoveries in 2014.
• Non-performing assets (NPA) were unchanged at 0.05% of total assets at Sept. 30 of 2013 and 2014.
• At Sept. 30, 2014, MetaBank exceeded federal regulatory capital requirements to remain classified as a
well-capitalized institution. In that respect, MetaBank’s Tier 1 (core) capital to adjusted total assets was 8.6%,
compared to a well-capitalized requirement of 5%. Its total capital-to-risk-weighted-assets ratio was 21.59%,
which exceeds the well-capitalized requirement of 10%. And MetaBank’s Tier 1 (core) capital-to-risk-weighted-
assets ratio was 20.95%, compared to the well-capitalized requirement of 6%. MetaBank’s Tier 1 (core) capital-
to-average-adjusted-total-assets ratio was 8.83%.
2 / 3 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
Financial Highlights
(Dollars in Thousands, Except Share and Per-Share Data)
AT SEPT. 30
Total assets
Total loans, net
Total deposits
Total annual average deposits
Shareholders’ equity
Book value per common share
Total equity to assets
FOR THE FISCAL YEAR
Net interest income
Non-interest income
Income (loss), net of tax
Diluted earnings (loss) per share:
Net income (loss)
Return on average assets
Return on average equity
Net yield on interest-earning assets
2014
2013
2012
2011
2010
$ 2,054,031
493,007
1,366,541
1,533,263
174,802
28.33
$
8.51%
$ 1,691,989
380,428
1,315,283
1,395,152
142,984
23.55
8.45%
$
$ 1,648,898
326,981
1,379,794
1,214,233
145,859
26.79
8.85%
$
$ 1,275,481
314,410
1,141,620
979,199
80,577
25.61
6.32%
$
$ 1,029,766
366,045
897,454
835,968
72,044
23.15
7.00%
$
$ 46,262
51,738
15,713
$ 36,022
55,503
13,418
$ 33,734
69,574
17,114
$ 34,312
57,491
4,640
$ 33,090
97,444
12,393
$
2.53
2.38
4.92
1.49
4.11
0.81%
10.01
2.80
0.78%
9.36
2.48
1.22%
18.47
2.56
0.41%
5.71
3.21
1.22%
20.59
3.43
TOTAL ASSETS
In Millions
TOTAL LOANS, NET
In Millions
TOTAL AVERAGE
DEPOSITS In Millions
.
9
8
4
6
1
$
,
5
.
5
7
2
1
$
,
.
0
4
5
0
,
2
$
0
.
2
9
6
1
$
,
.
0
3
9
4
$
.
4
0
8
3
$
.
0
6
6
3
$
.
0
7
2
3
$
.
4
4
1
3
$
3
.
3
3
5
1
$
,
2
.
5
9
3
1
$
,
2
.
4
1
2
1
$
,
.
2
9
7
9
$
.
0
6
3
8
$
.
8
9
2
0
1
$
,
’10
’11
’12
’13
’14
’10
’11
’12
’13
’14
’10
’11
’12
’13
’14
TOTAL REVENUES
In Millions
TOTAL NET INCOME
In Millions
5
.
6
3
1
$
6
.
6
9
$
.
9
6
0
1
$
5
.
4
9
$
.
4
0
0
1
$
.
1
7
1
$
.
7
5
1
$
.
4
3
1
$
4
.
2
1
$
6
.
4
$
’10
’11
’12
’13
’14
’10
’11
’12
’13
’14
This summary annual report highlights information contained in MFG’s Form 10-K for the year ended Sept. 30, 2014, 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 our entire Form 10-K, including the consoli-
dated 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.”
Offering the right product, for the
right people, at the right price
M E TA PAY M E N T S Y S T E M S
Meta Payment Systems (MPS) continues to pave the way as one
of the top two prepaid card issuers in the nation (The Nilson Report,
June 2014), and has issued more than 500 million prepaid cards since
2005. We sponsor approximately 190,000 “white label” ATM terminals
throughout the United States and are leading the way in virtual
cards for electronic settlements.
We recently added new program manager
partners; we are proud to welcome UniRush,
LLC; Card Limited; and hyperWALLET (HSI USA
Inc.) into the fold of our already best-in-class
partnerships. We expect to continue to add
and expand partner relationships and continue
to explore new product and service opportuni-
ties to promote our corporate vision of financial
inclusion for everyoneTM, as well as extend
financial dignity for the underbanked popula-
tion. We believe MPS will continue to do well
fiscally by supporting the unbanked and
underbanked markets.
• MPS generated an average of $1.30 billion in non-
interest-bearing deposits for the year ended Sept.
30, 2014, compared to an average of $1.17 billion
for the same period in 2013, an increase of 11%
with deposit growth accelerating in the fourth
fiscal quarter.
• MPS fiscal 2014 earnings totaled $7.7 million
compared to $8.4 million in fiscal 2013. This
difference primarily relates to costs related to
system enhancements and business development
expenses incurred in fiscal 2014 and consulting
and other compliance expenses along with a
reduction in tax-related prepaid card volume
related to one partner.
Average Low-Cost
Deposit Balances
In Millions
.
4
3
9
3
1
$
,
.
7
5
6
2
1
$
,
.
9
0
9
0
1
$
,
.
6
8
4
8
$
.
1
9
8
6
$
’10 ’11 ’12 ’13 ’14
4 / 5 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
State-of-the-art compliance and
risk-management systems
C O M P L I A N C E
We have established state-of-the-art compliance and risk-manage-
ment systems to mitigate risk, meet regulatory standards and enable
our organization to grow more cost effectively while navigating
through the ever-changing and challenging regulatory environment.
While no system is ever foolproof, these systems will further strength-
en Meta’s industry-leading position going forward and will also
create additional barriers to entry.
Over the past few years we have made signif-
icant investments in systems and staff, which
will serve as a solid foundation moving forward.
With one of the largest prepaid portfolios in the
industry, we have the benefit of scale that has
enabled us to identify suspicious transactions
and activity with a high degree of accuracy and
protect consumers and our business partners.
There are four main areas where our invest-
ments have been significant and have made
us a best-in-class organization: fraud prevention,
third-party oversight, customer identification
and process improvement.
• Fraud prevention – We monitor for financial crime
using a world-class system in which we’ve invested
millions of dollars and almost two years imple-
menting and customizing.
• Third-party oversight – We utilize a robust
system and processes for underwriting and
analyzing third-party risk to help ensure that
our partners meet regulatory requirements.
• Customer identification – We have increased our
visibility into our customer relationships and
automated the customer identification and
customer due diligence processes.
• Process improvement – We have gained
efficiencies by utilizing best-in-class method-
ology to clearly define processes that help
our business and partners gain efficiencies
by developing industry-wide best practices.
We do this in order to exceed regulatory requirements, reduce
the burden on our partners and to protect our customers.
6 / 7 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
Every customer leaves saying,
“I love my bank!”
R E TA I L B A N K
Meta’s Retail Bank continues to experience growth and increasing
profitability. We had significant growth in fiscal 2014 and recognized
earnings of $8.7 million, compared to $5.9 million for 2013. The
primary driver of this success was due to the dramatic growth in loan
volume. Even with loan growth of approximately 30 percent, we
were able to maintain pristine credit quality.
Meta is a cornerstone in many communities
in South Dakota and Iowa. Our 11 branches
serve four markets and assist primarily business
and agricultural customers, as well as individuals,
through a broad array of products and services.
We are dedicated to providing quality cus-
tomer service and delivering on the Retail Bank
vision: Every customer leaves saying, “I love
my bank!” Employee dedication is working, as
our Net Promoter Score (NPS) is 57, while the
national financial institution average is 34*.
Higher scores on the NPS denote higher
likelihood of healthy profits and organic growth
opportunities and referrals from current custom-
ers. This service is indicative of Meta’s outstand-
ing retail performance over the past year. We
have also expanded several of our technology
platforms over the past year and now offer
customers an enhanced metabank.com
experience and updated mobile application.
• Meta experienced dramatic loan growth during
fiscal 2014. Loan balances increased by approxi-
mately 30% to $493 million in 2014, with robust
growth expected to continue.
• Even with dramatic loan growth, credit quality
remains pristine, and NPA remained at 0.05% of
total assets at fiscal year-end.
• Meta’s net interest margin (NIM) increased from
2.50% in the fiscal 2013 fourth quarter to 2.85%
in fiscal 2014 fourth quarter, while the banking
industry saw NIM narrow.
• The Retail Bank was very successful in growing
low-cost funds with checking account balances
up 11% year over year.
*Source: Satmetrix Net Promoter® U.S. Consumer Benchmarks, 2014
Non-Performing Assets
Loan Balances
As a Percentage of Total Assets
For Retail Bank
Ag Operating: 9%
Commercial Operating: 6%
Residential Mortgage: 24%
%
4
2
1
.
%
4
9
0
.
%
6
1
0
.
%
5
0
0
.
%
5
0
0
.
Consumer: 4%
Ag Real Estate: 11%
’10 ’11 ’12 ’13 ’14
Commercial & Multi-Family Real Estate: 46%
8 / 9 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
S U P P O R T I N G O U R C O M M U N I T I E S
A N D F I N A N C I A L I N C L U S I O N F O R E V E R YO N E
Meta embraces corporate responsibility and strives to execute on
its goal of helping others succeed. We do this by engaging in
philanthropy throughout the communities we serve, as well as
through participation in national organizations that support our
vision of financial inclusion for everyone TM.
Meta supports organizations in Sioux Falls,
Brookings, Storm Lake and Central Iowa that assist
in health and human services, education, arts and
culture, community engagement and housing.
Employees volunteered more than 3,790 hours
during fiscal 2014.
Meta’s employees also developed an internal
program in which employees pool their money
to donate to local charities in their respective
communities. Charities are selected by employ-
ees and focus on areas that, among others, assist
children, families and homeless individuals in need.
Meta’s commitment to its vision is lived out
through its participation in efforts to bring
useful and worthwhile financial products and
services to the unbanked and underbanked.
Meta supports Operation HOPE, an organi-
zation that provides best-in-class financial
literacy, youth empowerment and financial
capability and dignity for low- to middle-
income working class and underserved
communities. In September 2014, Meta
sponsored a community dialogue with the
organization’s founder, John Hope Bryant, in
Sioux Falls, S.D. The session drew community
leaders and focused on thought leadership
and prosperity for all citizens.
We also have a longstanding commitment
to the Compass Principles set forth by the
Center for Financial Services Innovation (CFSI),
an organization whose mission is to advance
consumer financial health in the United States.
Having contributed to the creation of the
Compass Principles for prepaid, small-dollar
credit and payroll products, Meta commits
annually to supporting the Innovators Roundtable,
CFSI’s coming together of financial services
companies to develop research, strategic think-
ing and special projects designed to advance
the industry’s underbanked knowledge and
practice.
In addition, Meta now has representation
on the Underbanked Solutions Exchange. The
exchange, which Meta has sponsored for five
years, offers mid-sized banks and credit unions
the chance to share in-depth knowledge with
peer institutions and talk about best practices
in the underserved financial services market.
Meta continues to develop the best possible
financial solutions for underserved consumers
by gaining insight from the Office of the
Comptroller of the Currency, the Consumer
Financial Protection Bureau and many consumer
groups. We do this to ensure we are bringing
forth products and services that meet regula-
tory requirements and meet the needs of all
consumers.
10 / 11 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
Investor Information
Annual Meeting of Shareholders
Shareholder Services
Investor Relations
The Annual Meeting of Shareholders
will convene at 1 p.m., on Monday,
Jan. 26, 2015. The meeting will be held
in the Meta Payment Systems building,
5501 South Broadband Lane, Sioux Falls,
S.D. 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
Shareholders 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, N.J. 07016
Telephone: 800.368.5948
Email: invrelations@rtco.com
Website: www.rtco.com
Form 10-K
Copies of the company’s Annual Report
on Form 10-K for the year ended Sept. 30,
2014 (excluding exhibits thereto), may be
obtained from metafinancialgroup.com.
Dividend and Stock Market Information
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, S.D. 57108
Telephone: 605.361.4347 or 866.550.6382
invrelations@metabank.com
metafinancialgroup.com
Meta Financial Group’s common stock
trades on the NASDAQ Global Market®
under the symbol “CASH.” Quarterly
dividends for 2014 and 2013 were
$0.13. The price range of the common
stock, as reported on the NASDAQ
System, was as follows:
Fiscal Year 2014
LOW
HIGH
Fiscal Year 2013
LOW
HIGH
First Quarter
Second Quarter
Third Quarter
Fourth Quarter
$ 36.54
$ 40.88
$ 22.50
$ 24.90
38.07
35.04
34.85
45.99
45.34
40.06
22.50
26.00
26.18
26.56
27.68
38.57
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 Sept. 30, 2014, Meta Financial
Group had 6,169,604 shares of common
stock outstanding, which were held by
approximately 150 stockholders of record,
and 235,766 shares subject to outstanding
options. The shareholders of record num-
ber does not reflect approximately 1,200
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 Oct. 1, 2009, and ending Sept. 30, 2014
Shows the value of $100 invested on Oct. 1, 2009, and assumes the reinvestment of all dividends
275
250
225
200
175
150
125
100
75
50
NASDAQ ABA Community
Bank Index
Meta Financial Group, Inc.
NASDAQ Composite Index
Morningstar Group Index
Market Makers for Meta Financial Group
(NASDAQ: “CASH”) as of Sept. 30, 2014:
• Sandler O’Neill & Partners
• Sterne Agee
• Raymond James
• Morgan Stanley & Co. LLC
• Credit Suisse Securities USA
• Merrill Lynch, Pierce, Fenner
• Deutsche Bank Alex Brown
• UBS Securities LLC
• Goldman, Sachs & Co.
• J.P. Morgan Securities LLC
2009
2010
2011
2012
2013
2014
Historical stock price performance shown on the graph is not necessarily indicative of future price performance.
The Company is replacing the Morningstar Savings & Cooperative Bank information as an industry index with the NASDAQ ABA Community Bank Index.
The Company believes the new index contains companies that are more comparable to the Company.
Board of Directors / Senior Officers
BOARD OF DIRECTORS
SENIOR OFFICERS
J. Tyler Haahr
Chairman of the Board and
Chief Executive Officer,
Meta Financial Group and MetaBank
J. Tyler Haahr
Chairman of the Board and
Chief Executive Officer,
Meta Financial Group and MetaBank
Brad C. Hanson
President,
Meta Financial Group and MetaBank
Brad C. Hanson
President,
Meta Financial Group and MetaBank
Troy Moore
Executive Vice President, Sales and
Operations, Meta Financial Group
and MetaBank
Doug Hajek
Partner at Davenport, Evans,
Hurwitz & Smith, LLP
Elizabeth G. Hoople
Consultant and Retired Senior Vice
President of Marketing, Wells Fargo
Frederick V. Moore
Vice Chairman of the Board and Lead
Director, Meta Financial Group and
MetaBank, President of Buena Vista
University
Rodney G. Muilenburg
Retired Dairy Specialist Manager,
Purina Mills, Inc.; Retired Consultant,
TransOva Genetics Dairy Division and
Retired Director of Sales and Marketing,
TransOva Genetics
Jeanne Partlow
Retired Chairman of the Board and
President, Iowa Savings Bank
Ron Butterfield
Executive Vice President,
Chief Administrative Officer
Ira Frericks
Executive Vice President,
Chief Operating Officer
Glen Herrick
Executive Vice President,
Chief Financial Officer
Troy Moore
Executive Vice President,
Sales and Operations
Jim Accordino
Senior Vice President,
Remittances
Michael Conlin
Senior Vice President,
Product Management
Merid Eshete, CRP
Senior Vice President,
Chief Risk Officer
John Hagy
Senior Vice President,
Chief Legal Officer
Barbara Koopman
Senior Vice President,
Retail Bank Operations
Troy Larson
Senior Vice President,
Information Systems
David W. Leedom
Senior Vice President,
Finance
Linda Loof
Senior Vice President,
Partner Services
Steven G. Patterson
Chief Lending Officer and President,
Central Iowa Market
Timothy Peters
President,
Brookings Market
Grant Rogers
Senior Vice President,
Business Development & Sales
Scott Scovel
Senior Vice President,
Product Management
Jeanni Stahl
Senior Vice President,
Chief Compliance Officer
Ian Stromberg
Senior Vice President,
Human Resources
Sonja Theisen
Senior Vice President,
Controller
Kathryn M. Thorson
President,
Sioux Empire Market
Jon W. Wilcke
President,
Northwest Iowa Market
12 M E TA FI NAN CIAL G RO U P 2014 SUMMARY ANNUAL R EPO R T
META PAYMENT SYSTEMS
metapay.com
5501 South Broadband Lane
Sioux Falls, S.D. 57108
605.361.4347
866.550.6382
605.338.0604 fax
Meta Financial Group
META FINANCIAL GROUP
metafinancialgroup.com
METABANK
metabank.com
5501 South Broadband Lane
Sioux Falls, S.D. 57108
605.361.4347
866.550.6382
605.338.0604 fax
›› CENTRAL IOWA MARKET
›› NORTHWEST 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
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
Storm Lake Main Office
121 East Fifth Street
Storm Lake, Iowa 50588
712.732.4117
712.749.7502 fax
Storm Lake Plaza
1413 North Lake Avenue
Storm Lake, Iowa 50588
712.732.6655
712.732.7924 fax
›› BROOKINGS MARKET
Brookings Main Office
600 Main Avenue
Brookings, S.D. 57006
605.692.2314
605.692.7059 fax
›› SIOUX EMPIRE MARKET
Sioux Falls Main Office
4900 South Western Avenue
Sioux Falls, S.D. 57108
605.338.0059
605.338.0155 fax
South Minnesota Avenue
2500 South Minnesota Avenue
Sioux Falls, S.D. 57105
605.977.7500
605.977.7501 fax
West 12th Street
2104 West 12th Street
Sioux Falls, S.D. 57104
605.336.8900
605.336.8901 fax
metafinancialgroup.com