| Indiana                                                        | 35-1908796                           |
|----------------------------------------------------------------|--------------------------------------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |

| Large Accelerated Filer o                                                  | Accelerated Filer o         |
|----------------------------------------------------------------------------|-----------------------------|
|                                                                       |                        |
| Non-Accelerated Filer o(Do not check if a smaller reporting company)  | Smaller Reporting Company x |

----

|          |                                                                                                                                   | PAGE   |
|---------------|----------------------------------------------------------------------------------------------------------------------------------------|--------|
| PART I.       | FINANCIAL INFORMATION                                                                                                                  |   |
|          |                                                                                                                                   |   |
| Item 1.       | Financial Statements                                                                                                                   |   |
|          |                                                                                                                                   |   |
|          | Condensed Consolidated Balance Sheets as of September 30, 2010 (Unaudited) and December 31, 2009                                       | 1      |
|          |                                                                                                                                   |   |
|          | Unaudited Condensed Consolidated Statements of Operations for the Quarters and Nine Months Ended September 30, 2010 and 2009           | 2      |
|          |                                                                                                                                   |   |
|          | Unaudited Condensed Consolidated Statements of Comprehensive Income for the Quarters and Nine Months Ended September 30, 2010 and 2009 | 3      |
|          |                                                                                                                                   |   |
|          | Unaudited Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2010 and 2009                        | 4      |
|          |                                                                                                                                   |   |
|          | Notes to Unaudited Condensed Consolidated Financial Statements                                                                         | 5      |
|          |                                                                                                                                   |   |
| Item 2.       | Management’s Discussion and Analysis of Financial Condition and Results of Operations                                            | 14     |
|          |                                                                                                                                   |   |
| Item 4.       | Controls and Procedures                                                                                                                | 27     |
|          |                                                                                                                                   |   |
|          |                                                                                                                                   |   |
| PART II.      | OTHER INFORMATION                                                                                                                      |   |
|          |                                                                                                                                   |   |
| Item 2.       | Unregistered Sales of Equity Securities and Use of Proceeds                                                                            | 28     |
|          |                                                                                                                                   |   |
| Item 5.       | Other Information                                                                                                                      | 28     |
|          |                                                                                                                                   |   |
| Item 6.       | Exhibits                                                                                                                               | 28     |
|          |                                                                                                                                   |   |
|          |                                                                                                                                   |   |
| SIGNATURES    | 29                                                                                                                                     |
|          |                                                                                                                                   |
|          |                                                                                                                                   |   |
| EXHIBIT INDEX | 30                                                                                                                                     |

----

|                                                                                                                                                                    |   | September 30, 2010 |    |   | December 31, 2009 |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|---------|--------|-------------------|--------|
| ASSETS                                                                                                                                                                  |   | (Unaudited)        |    |   |              |   |
|                                                                                                                                                                    |   |               |    |   |              |   |
| Cash and cash equivalents                                                                                                                                               |   | $                  | 4,351   |   |              | $      | 6,797 |   |
| Finance receivables—net                                                                                                                                           |   |               | 95,360  |   |              |   | 88,612 |   |
| Deferred tax assets—net                                                                                                                                           |   |               | 41,971  |   |              |   | 44,711 |   |
| Other assets                                                                                                                                                            |   |               | 576     |   |              |   | 836 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| TOTAL                                                                                                                                                                   |   | $                  | 142,258 |   |              | $      | 140,956 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| LIABILITIES AND SHAREHOLDERS’ EQUITY                                                                                                                              |   |               |    |   |              |   |   |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| LIABILITIES:                                                                                                                                                            |   |               |    |   |              |   |   |   |
| Line of credit                                                                                                                                                          |   | $                  | 42,000  |   |              | $      | 40,000 |   |
| Accrued interest                                                                                                                                                        |   |               | 109     |   |              |   | 107 |   |
| Creditor notes payable                                                                                                                                                  |   |               | -       |   |              |   | 7 |   |
| Other payables and accrued expenses                                                                                                                                     |   |               | 2,234   |   |              |   | 1,726 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| Total liabilities                                                                                                                                                       |   |               | 44,343  |   |              |   | 41,840 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| SHAREHOLDERS’ EQUITY:                                                                                                                                             |   |               |    |   |              |   |   |   |
| Preferred Stock, without par value, authorized 3,000,000 shares; none issued and outstanding                                                                            |   |               | -       |   |              |   | - |   |
| Common Stock, without par value, authorized 20,000,000 shares; 3,754,759 and 3,997,506 issued and outstanding at September 30, 2010 and December 31, 2009, respectively |   |               | 178,448 |   |              |   | 181,845 |   |
| Accumulated other comprehensive income, net of taxes                                                                                                                    |   |               | -       |   |              |   | 3 |   |
| Accumulated deficit                                                                                                                                                     |   |               | (80,533 | )      |              |   | (82,732 | ) |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| Total shareholders’ equity                                                                                                                                        |   |               | 97,915  |   |              |   | 99,116 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| TOTAL                                                                                                                                                                   |   | $                  | 142,258 |   |              | $      | 140,956 |   |

----

|                                                            |   | Quarters Ended September 30, |      |   | Nine Months Ended September 30, |   |
|-----------------------------------------------------------------|--------|------------------------------|-----------|--------|---------------------------------|--------|
|                                                            |   | 2010                         |      |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
| INTEREST:                                                       |   |                         |      |   |                            |   |   |   |   |   |   |   |
| Interest on receivables                                         |   | $                            | 8,382     |   |                            | $      | 7,898 |   |   | $ | 24,333 |   |   | $ | 23,085 |   |
| Accretion and other interest                                    |   |                         | 1         |   |                            |   | 42 |   |   |   | 15 |   |   |   | 341 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Total interest income                                           |   |                         | 8,383     |   |                            |   | 7,940 |   |   |   | 24,348 |   |   |   | 23,426 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense                                                |   |                         | (382      | )      |                            |   | (375 | ) |   |   | (1,098 | ) |   |   | (1,145 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin                                             |   |                         | 8,001     |   |                            |   | 7,565 |   |   |   | 23,250 |   |   |   | 22,281 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Provision for estimated credit losses                           |   |                         | (1,587    | )      |                            |   | (2,184 | ) |   |   | (5,088 | ) |   |   | (5,998 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin after provision for estimated credit losses |   |                         | 6,414     |   |                            |   | 5,381 |   |   |   | 18,162 |   |   |   | 16,283 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| OTHER REVENUES (EXPENSES):                                      |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and benefits                                           |   |                         | (2,157    | )      |                            |   | (2,003 | ) |   |   | (6,470 | ) |   |   | (6,074 | ) |
| Other operating expenses                                        |   |                         | (1,081    | )      |                            |   | (1,485 | ) |   |   | (3,526 | ) |   |   | (4,715 | ) |
| Change in fair market valuation of creditor notes payable       |   |                         | 46        |   |                            |   | 43 |   |   |   | 135 |   |   |   | 89 |   |
| Gain from deficiency account sale                               |   |                         | -         |   |                            |   | 4 |   |   |   | 37 |   |   |   | 170 |   |
| Other expense                                                   |   |                         | (67       | )      |                            |   | (59 | ) |   |   | (118 | ) |   |   | (219 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Total other expenses                                            |   |                         | (3,259    | )      |                            |   | (3,500 | ) |   |   | (9,942 | ) |   |   | (10,749 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| INCOME BEFORE INCOME TAXES                                      |   |                         | 3,155     |   |                            |   | 1,881 |   |   |   | 8,220 |   |   |   | 5,534 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| INCOME TAX EXPENSE                                              |   |                         | (1,364    | )      |                            |   | (622 | ) |   |   | (3,106 | ) |   |   | (1,990 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME                                                      |   | $                            | 1,791     |   |                            | $      | 1,259 |   |   | $ | 5,114 |   |   | $ | 3,544 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME PER COMMON SHARE (BASIC)                             |   | $                            | 0.48      |   |                            | $      | 0.31 |   |   | $ | 1.32 |   |   | $ | 0.87 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME PER COMMON SHARE (DILUTED)                           |   | $                            | 0.48      |   |                            | $      | 0.31 |   |   | $ | 1.32 |   |   | $ | 0.87 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| BASIC WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING      |   |                         | 3,756,059 |   |                            |   | 4,062,129 |   |   |   | 3,871,051 |   |   |   | 4,056,751 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| DILUTED WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING    |   |                         | 3,758,098 |   |                            |   | 4,064,591 |   |   |   | 3,872,621 |   |   |   | 4,060,039 |   |

----

|                                                                                           |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|------------------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                                                                           |   | 2010                         |   |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |
| NET INCOME                                                                                     |   | $                            | 1,791  |   |                            | $      | 1,259 |   |   | $ | 5,114 |   |   | $ | 3,544 |   |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| OTHER COMPREHENSIVE INCOME:                                                                    |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net unrealized change on recombined assets and Beneficial Interest in Master Trust, net of tax |   |                         | -      |   |                            |   | (22 | ) |   |   | (3 | ) |   |   | (198 | ) |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| COMPREHENSIVE INCOME                                                                           |   | $                            | 1,791  |   |                            | $      | 1,237 |   |   | $ | 5,111 |   |   | $ | 3,346 |   |

----

|                                                                              |   | Nine Months Ended September 30, |    |
|-----------------------------------------------------------------------------------|--------|---------------------------------|---------|
|                                                                              |   | 2010                            |    |   | 2009 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES:                                             |   |                            |    |   |   |   |
| Net income                                                                        |   | $                               | 5,114   |   |   | $ | 3,544 |   |
| Adjustments to reconcile net income to net cash provided by operating activities: |   |                            |    |   |   |   |   |   |
| Accretion of other comprehensive income                                           |   |                            | (5      | ) |   |   | (313 | ) |
| Accretion of securitization discount                                              |   |                            | (1      | ) |   |   | (42 | ) |
| Provision for estimated credit losses                                             |   |                            | 5,088   |   |   |   | 5,998 |   |
| Amortization and depreciation                                                     |   |                            | 290     |   |   |   | 336 |   |
| Amortization of discount and interest accrued on creditor notes payable           |   |                            | 128     |   |   |   | 59 |   |
| Gain from disposition of equipment                                                |   |                            | 7       |   |   |   | 5 |   |
| Deferred income taxes                                                             |   |                            | 2,743   |   |   |   | 1,765 |   |
| Change in fair value of creditor notes payable                                    |   |                            | (135    | ) |   |   | (89 | ) |
| Stock based compensation expense                                                  |   |                            | 296     |   |   |   | 114 |   |
| Changes in assets and liabilities:                                                |   |                            |    |   |   |   |   |   |
| Accrued interest receivable and other assets                                      |   |                            | (19     | ) |   |   | 187 |   |
| Other payables and accrued expenses                                               |   |                            | 510     |   |   |   | (459 | ) |
| Net cash provided by operating activities                                         |   |                            | 14,016  |   |   |   | 11,105 |   |
|                                                                              |   |                            |    |   |   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES:                                             |   |                            |    |   |   |   |   |   |
| Purchase of finance receivables                                                   |   |                            | (51,654 | ) |   |   | (46,604 | ) |
| Collections on finance receivables                                                |   |                            | 39,686  |   |   |   | 33,702 |   |
| Principal collections and recoveries on receivables held for investment           |   |                            | 133     |   |   |   | 1,209 |   |
| Capital expenditures                                                              |   |                            | (18     | ) |   |   | (69 | ) |
| Net cash used in investing activities                                             |   |                            | (11,853 | ) |   |   | (11,762 | ) |
|                                                                              |   |                            |    |   |   |   |   |   |
| CASH FLOWS FROM FINANCING ACTIVITIES:                                             |   |                            |    |   |   |   |   |   |
| Common stock repurchased                                                          |   |                            | (3,693  | ) |   |   | - |   |
| Common stock cash dividend                                                        |   |                            | (2,916  | ) |   |   | - |   |
| Principal payments on creditor notes payable                                      |   |                            | -       |   |   |   | (76 | ) |
| Net borrowing on line of credit                                                   |   |                            | 2,000   |   |   |   | - |   |
| Net cash used in financing activities                                             |   |                            | (4,609  | ) |   |   | (76 | ) |
|                                                                              |   |                            |    |   |   |   |   |   |
| DECREASE IN CASH AND CASH EQUIVALENTS                                             |   |                            | (2,446  | ) |   |   | (733 | ) |
| CASH AND CASH EQUIVALENTS—Beginning of period                               |   |                            | 6,797   |   |   |   | 6,403 |   |
| CASH AND CASH EQUIVALENTS—End of period                                     |   | $                               | 4,351   |   |   | $ | 5,670 |   |
|                                                                              |   |                            |    |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                |   |                            |    |   |   |   |   |   |
| Interest paid                                                                     |   | $                               | 968     |   |   | $ | 1,145 |   |

----

| 1. |   BASIS OF PRESENTATION |
|----|-----------------------------------|

----

| 2.  | GENERAL DISCUSSION |
|----------|--------------------|

| 3. | FINANCE RECEIVABLES – NET |
|----|---------------------------------|

|                                                                              |   | September 30, |    |   | December 31, |   |
|-----------------------------------------------------------------------------------|--------|---------------|---------|--------|--------------|--------|
|                                                                              |   | 2010          |    |   | 2009         |   |
| Finance receivables, gross                                                        |   | $             | 118,898 |   |         | $      | 110,847 |   |
| Unearned interest                                                                 |   |          | (1,954  | )      |         |   | (2,171 | ) |
| Finance receivables, net of unearned finance charge income                        |   |          | 116,944 |   |         |   | 108,676 |   |
|                                                                              |   |          |    |   |         |   |   |   |
| Accretable unearned acquisition discounts and fees                                |   |          | (13,179 | )      |         |   | (12,039 | ) |
| Finance receivables, net of unearned finance charge income and discounts and fees |   |          | 103,765 |   |         |   | 96,637 |   |
|                                                                              |   |          |    |   |         |   |   |   |
| Allowance for loan losses                                                         |   |          | (8,405  | )      |         |   | (8,085 | ) |
|                                                                              |   |          |    |   |         |   |   |   |
| Finance receivables - net                                                         |   | $             | 95,360  |   |         | $      | 88,552 |   |

----

|                                  |   | Quarters Ended September 30, |   | Nine Months Ended September 30, |   |
|---------------------------------------|--------|------------------------------|--------|---------------------------------|--------|
|                                  |   | 2010                         |   |                            | 2009   |   |   | 2010 |   |   | 2009 |   |
| Balance at beginning of period        |   | $                            | 8,345  |                            |   | $ | 7,860 |   |   | $ | 8,085 |   |   | $ | 7,560 |   |
| Charge-offs, net of recoveries        |   |                         | (1,523 | )                               |   |   | (2,099 | ) |   |   | (4,840 | ) |   |   | (5,799 | ) |
| Provision for estimated credit losses |   |                         | 1,583  |                            |   |   | 2,249 |   |   |   | 5,160 |   |   |   | 6,249 |   |
|                                  |   |                         |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period      |   | $                            | 8,405  |                            |   | $ | 8,010 |   |   | $ | 8,405 |   |   | $ | 8,010 |   |
|                                  |   |                         |   |                            |   |   |   |   |   |   |   |   |   |   |   |   |

|                                     |   | September 30, |   |   | December 31, |   |
|------------------------------------------|--------|---------------|--------|--------|--------------|--------|
|                                     |   | 2010          |   |   | 2009         |   |
| Principal balance of finance receivables |   | $             | -      |   |         | $      | 61 |   |
| Unearned discount                        |   |          | -      |   |         |   | (1 | ) |
| Accrued interest receivable              |   |          | -      |   |         |   | - |   |
| Allowance for credit losses              |   |          | -      |   |         |   | - |   |
|                                     |   |          |   |   |         |   |   |   |
| Finance receivables—net            |   | $             | -      |   |         | $      | 60 |   |

|                                             |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|--------------------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                             |   | 2010                         |   |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
|                                             |   |                         |   |   |                            |   |   |   |   |   |   |   |
| Balance at the beginning of period               |   | $                            | -      |   |                            | $      | - |   |   | $ | - |   |   | $ | 7 |   |
| Charge-offs                                      |   |                         | (6     | )      |                            |   | (29 | ) |   |   | (23 | ) |   |   | (114 | ) |
| Recoveries                                       |   |                         | 2      |   |                            |   | 94 |   |   |   | 95 |   |   |   | 358 |   |
| Provision (recovery) for estimated credit losses |   |                         | 4      |   |                            |   | (65 | ) |   |   | (72 | ) |   |   | (251 | ) |
|                                             |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                 |   | $                            | -      |   |                            | $      | - |   |   | $ | - |   |   | $ | - |   |

----

| 4.  | OTHER ASSETS |
|----------|--------------|

|                                                |   | September 30, |   |   | December 31, |   |
|-----------------------------------------------------|--------|---------------|--------|--------|--------------|--------|
|                                                |   | 2010          |   |   | 2009         |   |
| Prepaid expenses                                    |   | $             | 261    |   |         | $      | 389 |   |
| Property, equipment and leasehold improvements, net |   |          | 315    |   |         |   | 441 |   |
| Other                                               |   |          | -      |   |         |   | 6 |   |
| Total other assets                                  |   | $             | 576    |   |         | $      | 836 |   |
|                                                |   |          |   |   |         |   |   |   |

| 5. | CREDITOR NOTES PAYABLE |
|----|------------------------|

|                                                                        |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|-----------------------------------------------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                                                        |   | 2010                         |   |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
|                                                                        |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                                                           |   | $                            | 2      |   |                            | $      | 34 |   |   | $ | 7 |   |   | $ | 128 |   |
| Total income included in earnings (recorded as "other revenues (expenses)") |   |                         | (46    | )      |                            |   | (43 | ) |   |   | (135 | ) |   |   | (89 | ) |
| Purchases, issuances and settlements                                        |   |                         | 44     |   |                            |   | 31 |   |   |   | 128 |   |   |   | (17 | ) |
| Ending balance                                                              |   | $                            | -      |   |                            | $      | 22 |   |   | $ | - |   |   | $ | 22 |   |

| 6. | INCOME TAXES |
|----|--------------|

----

| 7. | STOCK BASED COMPENSATION |
|----|--------------------------|

|                       |   | Nine Months Ended September 30, |   |
|----------------------------|--------|---------------------------------|--------|
|                       |   | 2010                            |   |   | 2009 |   |
| Restricted Stock Awards    |   | Shares                          |   |   | Weighted Average Grant Date Fair Value |   |   | Shares |   |   | Weighted Average Grant Date Fair Value |   |
|                       |   |                            |   |   |   |   |   |   |   |   |   |   |
| Beginning nonvested awards |   |                            | 4,400  |   |   | $ | 7.96 |   |   |   | 21,400 |   |   | $ | 14.99 |   |
| Granted                    |   |                            | -      |   |   |   | - |   |   |   | 6,500 |   |   |   | 6.90 |   |
| Vested                     |   |                            | (400   | ) |   |   | 23.10 |   |   |   | (21,000 | ) |   |   | 14.58 |   |
| Forfeited                  |   |                            | -      |   |   |   | - |   |   |   | - |   |   |   | - |   |
| Ending nonvested awards    |   |                            | 4,000  |   |   | $ | 6.45 |   |   |   | 6,900 |   |   | $ | 8.62 |   |

----

----

| 8.  | BUSINESS SEGMENT INFORMATION |
|----------|------------------------------|

| For The Quarter Ended September 30, 2010                                             |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|--------------------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |
| Total interest income                                                                |   | $      | -      |   |           | $      | 8,382  |                |   | $      | 1            |   |   | $ | 8,383 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (44    | )      |           |   | (338   | )                   |   |   | -            |   |   |   | (382 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit)                                                        |   |   | (44    | )      |           |   | 8,044  |                |   |   | 1            |   |   |   | 8,001 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Provision for estimated credit losses                                                |   |   | (4     | )      |           |   | (1,583 | )                   |   |   | -            |   |   |   | (1,587 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit) after provision for estimated credit losses            |   |   | (48    | )      |           |   | 6,461  |                |   |   | 1            |   |   |   | 6,414 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (24    | )      |           |   | (2,843 | )                   |   |   | (392         | )      |   |   | (3,259 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   | $      | (72    | )      |           | $      | 3,618  |                |   | $      | (391         | )      |   | $ | 3,155 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| For The Quarter Ended September 30, 2009                                             |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                                |   | $      | 45     |   |           | $      | 7,887  |                |   | $      | 8            |   |   | $ | 7,940 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (44    | )      |           |   | (331   | )                   |   |   | -            |   |   |   | (375 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                                  |   |   | 1      |   |           |   | 7,556  |                |   |   | 8            |   |   |   | 7,565 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                                     |   |   | 65     |   |           |   | (2,249 | )                   |   |   | -            |   |   |   | (2,184 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses           |   |   | 66     |   |           |   | 5,307  |                |   |   | 8            |   |   |   | 5,381 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (141   | )      |           |   | (2,845 | )                   |   |   | (514         | )      |   |   | (3,500 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   | $      | (75    | )      |           | $      | 2,462  |                |   | $      | (506         | )      |   | $ | 1,881 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2010                                         |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                                |   | $      | 7      |   |           | $      | 24,331 |                |   | $      | 10           |   |   | $ | 24,348 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (130   | )      |           |   | (968   | )                   |   |   | -            |   |   |   | (1,098 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit)                                                        |   |   | (123   | )      |           |   | 23,363 |                |   |   | 10           |   |   |   | 23,250 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                                     |   |   | 72     |   |           |   | (5,160 | )                   |   |   | -            |   |   |   | (5,088 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit) after recovery (provision) for estimated credit losses |   |   | (51    | )      |           |   | 18,203 |                |   |   | 10           |   |   |   | 18,162 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (44    | )      |           |   | (8,436 | )                   |   |   | (1,462       | )      |   |   | (9,942 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   | $      | (95    | )      |           | $      | 9,767  |                |   | $      | (1,452       | )      |   | $ | 8,220 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2009                                         |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                                |   | $      | 396    |   |           | $      | 23,002 |                |   | $      | 28           |   |   | $ | 23,426 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (130   | )      |           |   | (1,015 | )                   |   |   | -            |   |   |   | (1,145 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                                  |   |   | 266    |   |           |   | 21,987 |                |   |   | 28           |   |   |   | 22,281 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                                     |   |   | 251    |   |           |   | (6,249 | )                   |   |   | -            |   |   |   | (5,998 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses           |   |   | 517    |   |           |   | 15,738 |                |   |   | 28           |   |   |   | 16,283 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (1,263 | )      |           |   | (8,470 | )                   |   |   | (1,016       | )      |   |   | (10,749 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   | $      | (746   | )      |           | $      | 7,268  |                |   | $      | (988         | )      |   | $ | 5,534 |   |

----

|                |   | September 30, |    |   | December 31, |   |
|---------------------|--------|---------------|---------|--------|--------------|--------|
|                |   | 2010          |    |   | 2009         |   |
|                |   |          |    |   |         |   |
| Corporate and other |   | $             | 42,494  |   |         | $      | 47,842 |   |
| Coastal Credit      |   |          | 99,593  |   |         |   | 92,848 |   |
| UAC                 |   |          | 171     |   |         |   | 266 |   |
|                |   |          |    |   |         |   |   |   |
|                |   | $             | 142,258 |   |         | $      | 140,956 |   |
|                |   |          |    |   |         |   |   |   |

| 9. | EARNINGS PER SHARE |
|----|--------------------|

|                                                   |   | Quarters Ended September 30, |      |   | Nine Months Ended September 30, |   |
|--------------------------------------------------------|--------|------------------------------|-----------|--------|---------------------------------|--------|
|                                                   |   | 2010                         |      |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |
| Net income (loss) in thousands                         |   | $                            | 1,791     |   |                            | $      | 1,259 |   |   | $ | 5,114 |   |   | $ | 3,544 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average shares outstanding                    |   |                         | 3,756,059 |   |                            |   | 4,062,129 |   |   |   | 3,871,051 |   |   |   | 4,056,751 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Incremental shares from assumed conversions:           |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Stock award plans                                      |   |                         | 2,039     |   |                            |   | 2,462 |   |   |   | 1,570 |   |   |   | 3,288 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average shares and assumed incremental shares |   |                         | 3,758,098 |   |                            |   | 4,064,591 |   |   |   | 3,872,621 |   |   |   | 4,060,039 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per share:                                    |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                                  |   | $                            | 0.48      |   |                            | $      | 0.31 |   |   | $ | 1.32 |   |   | $ | 0.87 |   |
|                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Diluted                                                |   | $                            | 0.48      |   |                            | $      | 0.31 |   |   | $ | 1.32 |   |   | $ | 0.87 |   |

----

| 10.  | COMMITMENTS AND CONTIGENCIES |
|-----------|------------------------------|

| 11. | DIVIDENDS AND SHARE REPURCHASE PROGRAM |
|-----|----------------------------------------|

| Period                                 |   | Total Number of Shares Purchased |   |   | Average Price Paid per Share |   |   | Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs |   |   | Maximum Number of Shares that May Yet be Purchased Under the Program |   |
|----------------------------------------|--------|----------------------------------|--------|--------|------------------------------|--------|--------|----------------------------------------------------------------------------------|--------|--------|----------------------------------------------------------------------|--------|
|                                   |   |                             |   |   |                         |   |   |                                                                             |   |   |                                                                 |   |
| July 1, 2010 - July 31, 2010           |   |                             | 18,100 |   |                         | $      | 14.03  |                                                                             |   |   | 18,100                                                               |   |   |   | 168,150 |   |
| August 1, 2010 - August 31, 2010       |   |                             | 100    |   |                         | $      | 14.70  |                                                                             |   |   | 100                                                                  |   |   |   | 168,050 |   |
| September 1, 2010 - September 30, 2010 |   |                             | -      |   |                         | $      | -      |                                                                             |   |   | -                                                                    |   |   |   | 168,050 |   |
|                                   |   |                             | 18,200 |   |                         | $      | 14.03  |                                                                             |   |   | 18,200                                                               |   |   |   |   |   |

| 12. | SUBSEQUENT EVENTS |
|-----|-------------------|

----

----

----

|   | · | Provision for estimated credit losses decreased $0.6 million to $1.6 million for the quarter ended September 30, 2010 as compared to $2.2 million for the quarter ended September 30, 2009. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Other operating expense decreased to $1.1 million for the quarter ended September 30, 2010 as compared to $1.5 million for the same period during 2009. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Provision for estimated credit losses decreased to $5.1 million from $6.0 million for the nine months ended September 30, 2010 and 2009, respectively. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Other operating expenses decreased $1.2 million to $3.5 million for the nine months ended September 30, 2010 as compared to $4.7 million for the same period during 2009. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| For The Quarter Ended September 30, 2010                                   |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | -      |   |           | $      | 8,382  |                |   | $      | -            |   |   | $ | 8,382 |   |
| Accretion and other interest                                               |   |   | -      |   |           |   | -      |                |   |   | 1            |   |   |   | 1 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | -      |   |           |   | 8,382  |                |   |   | 1            |   |   |   | 8,383 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (44    | )      |           |   | (338   | )                   |   |   | -            |   |   |   | (382 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit)                                              |   |   | (44    | )      |           |   | 8,044  |                |   |   | 1            |   |   |   | 8,001 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Provision for estimated credit losses                                      |   |   | (4     | )      |           |   | (1,583 | )                   |   |   | -            |   |   |   | (1,587 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit) after provision for estimated credit losses  |   |   | (48    | )      |           |   | 6,461  |                |   |   | 1            |   |   |   | 6,414 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (24    | )      |           |   | (2,843 | )                   |   |   | (392         | )      |   |   | (3,259 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (72    | )      |           |   | 3,618  |                |   |   | (391         | )      |   |   | 3,155 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | -      |   |           |   | -      |                |   |   | (1,364       | )      |   |   | (1,364 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (72    | )      |           | $      | 3,618  |                |   | $      | (1,755       | )      |   | $ | 1,791 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| For The Quarter Ended September 30, 2009                                   |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest on receivables                                                    |   | $      | 11     |   |           | $      | 7,887  |                |   | $      | -            |   |   | $ | 7,898 |   |
| Accretion and other interest                                               |   |   | 34     |   |           |   | -      |                |   |   | 8            |   |   |   | 42 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | 45     |   |           |   | 7,887  |                |   |   | 8            |   |   |   | 7,940 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (44    | )      |           |   | (331   | )                   |   |   | -            |   |   |   | (375 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 1      |   |           |   | 7,556  |                |   |   | 8            |   |   |   | 7,565 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 65     |   |           |   | (2,249 | )                   |   |   | -            |   |   |   | (2,184 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 66     |   |           |   | 5,307  |                |   |   | 8            |   |   |   | 5,381 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (141   | )      |           |   | (2,845 | )                   |   |   | (514         | )      |   |   | (3,500 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (75    | )      |           |   | 2,462  |                |   |   | (506         | )      |   |   | 1,881 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | -      |   |           |   | -      |                |   |   | (622         | )      |   |   | (622 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (75    | )      |           | $      | 2,462  |                |   | $      | (1,128       | )      |   | $ | 1,259 |   |

----

|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |
|--------------------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
| For The Nine Months Ended September 30, 2010                                         |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |
| Interest on receivables                                                              |   | $      | 2      |   |           | $      | 24,331 |                |   | $      | -            |   |   | $ | 24,333 |   |
| Accretion and other interest                                                         |   |   | 5      |   |           |   | -      |                |   |   | 10           |   |   |   | 15 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                                |   |   | 7      |   |           |   | 24,331 |                |   |   | 10           |   |   |   | 24,348 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (130   | )      |           |   | (968   | )                   |   |   | -            |   |   |   | (1,098 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit)                                                        |   |   | (123   | )      |           |   | 23,363 |                |   |   | 10           |   |   |   | 23,250 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                                     |   |   | 72     |   |           |   | (5,160 | )                   |   |   | -            |   |   |   | (5,088 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin (deficit) after recovery (provision) for estimated credit losses |   |   | (51    | )      |           |   | 18,203 |                |   |   | 10           |   |   |   | 18,162 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (44    | )      |           |   | (8,436 | )                   |   |   | (1,462       | )      |   |   | (9,942 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   |   | (95    | )      |           |   | 9,767  |                |   |   | (1,452       | )      |   |   | 8,220 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                                   |   |   | -      |   |           |   | -      |                |   |   | (3,106       | )      |   |   | (3,106 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                                    |   | $      | (95    | )      |           | $      | 9,767  |                |   | $      | (4,558       | )      |   | $ | 5,114 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2009                                         |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest on receivables                                                              |   | $      | 83     |   |           | $      | 23,002 |                |   | $      | -            |   |   | $ | 23,085 |   |
| Accretion and other interest                                                         |   |   | 313    |   |           |   | -      |                |   |   | 28           |   |   |   | 341 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total interest income                                                                |   |   | 396    |   |           |   | 23,002 |                |   |   | 28           |   |   |   | 23,426 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                                     |   |   | (130   | )      |           |   | (1,015 | )                   |   |   | -            |   |   |   | (1,145 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                                  |   |   | 266    |   |           |   | 21,987 |                |   |   | 28           |   |   |   | 22,281 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                                     |   |   | 251    |   |           |   | (6,249 | )                   |   |   | -            |   |   |   | (5,998 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses           |   |   | 517    |   |           |   | 15,738 |                |   |   | 28           |   |   |   | 16,283 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                                 |   |   | (1,263 | )      |           |   | (8,470 | )                   |   |   | (1,016       | )      |   |   | (10,749 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                                    |   |   | (746   | )      |           |   | 7,268  |                |   |   | (988         | )      |   |   | 5,534 |   |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                                   |   |   | -      |   |           |   | -      |                |   |   | (1,990       | )      |   |   | (1,990 | ) |
|                                                                                 |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                                    |   | $      | (746   | )      |           | $      | 7,268  |                |   | $      | (2,978       | )      |   | $ | 3,544 |   |

----

----

----

----

----

|                                |   |                    |    |              |   |   |
|-------------------------------------|--------|-------------------------|---------|-------------------|--------|--------|
|                                |   |  September 30,2010 |    | December 31, 2009 |
|                                |   |                    | $       |              |   |   | % |   |   | S |   |   |   | % |
|                                |   |                    |    |              |   |   |   |   |   |   |   |   |   |   |   |   |
| Finance receivables - gross balance |   | $                       | 118,898 |              |   |   |   |   |   | $ | 110,847 |   |   |   |   |   |
|                                |   |                    |    |              |   |   |   |   |   |   |   |   |   |   |   |   |
| Delinquencies:                      |   |                    |    |              |   |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                          |   | $                       | 1,025   |              |   |   | 0.9 | % |   | $ | 1,301 |   |   |   | 1.2 | % |
| 60-89 days                          |   |                    | 552     |              |   |   | 0.5 | % |   |   | 1,107 |   |   |   | 1.0 | % |
| 90+ days                            |   |                    | 630     |              |   |   | 0.5 | % |   |   | 1,706 |   |   |   | 1.5 | % |
| Total delinquencies                 |   | $                       | 2,207   |              |   |   | 1.9 | % |   | $ | 4,114 |   |   |   | 3.7 | % |
|                                |   |                    |    |              |   |   |   |   |   |   |   |   |   |   |   |   |

----

|                                                                                            |   | Quarters Ended September 30, |    |   | Nine Months Ended September 30, |   |
|-------------------------------------------------------------------------------------------------|--------|------------------------------|---------|--------|---------------------------------|--------|
|                                                                                            |   | 2010                         |    |   | 2009                            |   |   | 2010 |   |   | 2009 |   |
| Balance at beginning of period                                                                  |   | $                            | 8,345   |   |                            | $      | 7,860 |   |   | $ | 8,085 |   |   | $ | 7,560 |   |
| Charge-offs, net of recoveries                                                                  |   |                         | (1,523  | )      |                            |   | (2,099 | ) |   |   | (4,840 | ) |   |   | (5,799 | ) |
| Provision for estimated credit losses                                                           |   |                         | 1,583   |   |                            |   | 2,249 |   |   |   | 5,160 |   |   |   | 6,249 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                                                                |   | $                            | 8,405   |   |                            | $      | 8,010 |   |   | $ | 8,405 |   |   | $ | 8,010 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Finance receivables, net of unearned finance charges                                            |   | $                            | 116,944 |   |                            | $      | 110,218 |   |   | $ | 116,944 |   |   | $ | 110,218 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of finance receivables, net of unearned finance charges  |   |                         | 7.19    | %      |                            |   | 7.27 | % |   |   | 7.19 | % |   |   | 7.27 | % |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Annualized net charge-offs as a percent of finance receivables, net of unearned finance charges |   |                         | 5.21    | %      |                            |   | 7.62 | % |   |   | 5.52 | % |   |   | 7.02 | % |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of annualized net charge-offs                            |   |                         | 137.97  | %      |                            |   | 95.40 | % |   |   | 130.24 | % |   |   | 103.60 | % |

|   | · | Coastal Credit is not dependent on the securitization market for financing. |
|--------|--------|-----------------------------------------------------------------------------|

|   | · | At September 30, 2010, there was $44.6 million available, in excess of the amount utilized, from the line of credit, which does not expire until December 2011. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | White River is very well capitalized with an equity to asset ratio of 68.8% as of September 30, 2010. |
|--------|--------|-------------------------------------------------------------------------------------------------------|

----

----

|   | · | the risks and uncertainties discussed in White River’s Annual Report on Form 10-K; |
|--------|--------|------------------------------------------------------------------------------------------|

|   | · | general economic, market, or business conditions; |
|--------|--------|---------------------------------------------------|

|   | · | changes in economic variables, such as the availability of business and consumer credit, conditions in the housing market, energy costs, the number and size of personal bankruptcy filings, the rate of unemployment and the levels of consumer confidence and consumer debt; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in interest rates, the cost of funds, and demand for White River’s financial services; |
|--------|--------|------------------------------------------------------------------------------------------------------|

|   | · | the level and volatility of equity prices, commodity prices, currency values, investments, and other market fluctuations and other market indices; |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in White River’s competitive position; |
|--------|--------|------------------------------------------------------|

|   | · | White River’s ability to manage growth; |
|--------|--------|-----------------------------------------------|

|   | · | the opportunities that may be presented to and pursued by White River; |
|--------|--------|------------------------------------------------------------------------|

|   | · | competitive actions by other companies; |
|--------|--------|-----------------------------------------|

|   | · | changes in laws or regulations, including the impact of current, pending and future legislation and regulation, including the impact of recently enacted federal economic and financial markets recovery legislation, federal health care reform legislation, and comprehensive financial system regulatory reform legislation; |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in the policies of federal or state regulators and agencies; and |
|--------|--------|--------------------------------------------------------------------------|

|   | · | other circumstances, many of which are beyond White River’s control. |
|--------|--------|----------------------------------------------------------------------------|

----

----

----

| No.  |   | Description                                                                                                            |
|------|--------|------------------------------------------------------------------------------------------------------------------------|
| 31.1 |   | CEO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |
| 31.2 |   | CFO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |
| 32   |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |

----

|              | White River Capital, Inc. |
|-------------------|---------------------------|
|              | (Registrant)              |
|              |                      |   |
| November 12, 2010 | By:                       | /s/ Martin J. Szumski |
|              |                      | Martin J. Szumski |
|              |                      | Chief Financial Officer |
|              |                      | (Signing on behalf of the registrant and as Principal Financial Officer) |
|              |                      |   |

----

| No.  |         | Description                                                                                                            |         | Location |
|------|--------------|------------------------------------------------------------------------------------------------------------------------|--------------|----------|
| 31.1 |    | CEO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |    | Attached |
| 31.2 |         | CFO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |         | Attached |
| 32   |         | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |         | Attached |