| 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 |

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|          |                                                                                                                             |   | PAGE   |
|---------------|----------------------------------------------------------------------------------------------------------------------------------|--------|--------|
| PART I.       | FINANCIAL INFORMATION                                                                                                            |   |   |
|          |                                                                                                                             |   |   |
| Item 1.       | Financial Statements                                                                                                             |   |   |
|          |                                                                                                                             |   |   |
|          | Condensed Consolidated Balance Sheets as of June 30, 2009 (Unaudited) and December 31, 2008                                      |   | 1      |
|          |                                                                                                                             |   |   |
|          | Unaudited Condensed Consolidated Statements of Operations for the Quarters and Six Months Ended June 30, 2009 and 2008           |   | 2      |
|          |                                                                                                                             |   |   |
|          | Unaudited Condensed Consolidated Statements of Comprehensive Income for the Quarters and Six Months Ended June 30, 2009 and 2008 |   | 3      |
|          |                                                                                                                             |   |   |
|          | Unaudited Condensed Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2009 and 2008                        |   | 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 4T.      | Controls and Procedures                                                                                                          |   | 29     |
|          |                                                                                                                             |   |   |
| PART II.      | OTHER INFORMATION                                                                                                                |   |   |
|          |                                                                                                                             |   |   |
| Item 2.       | Unregistered Sales of Equity Securities and Use of Proceeds                                                                      |   | 30     |
|          |                                                                                                                             |   |   |
| Item 4.       | Submission of Matters to a Vote of Security Holders                                                                              |   | 30     |
|          |                                                                                                                             |   |   |
| Item 6.       | Exhibits                                                                                                                         |   | 30     |
|          |                                                                                                                             |   |   |
| SIGNATURES    |                                                                                                                             | 31     |
|          |                                                                                                                             |   |   |
| EXHIBIT INDEX |                                                                                                                             | 32     |

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WHITE RIVER CAPITAL, INC. AND SUBSIDIARIES

| ASSETS                                                                                                                                                             |   | June 30, 2009 |    |   | December 31, 2008 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                                                                                                                                               |   |          |    |   |              |   |
| Cash and cash equivalents                                                                                                                                          |   | $             | 5,950   |   |              | $      | 6,403 |   |
| Finance receivables—net                                                                                                                                      |   |          | 89,426  |   |              |   | 84,187 |   |
| Deferred tax assets—net                                                                                                                                      |   |          | 45,767  |   |              |   | 46,946 |   |
| Other assets                                                                                                                                                       |   |          | 928     |   |              |   | 1,292 |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| TOTAL                                                                                                                                                              |   | $             | 142,071 |   |              | $      | 138,828 |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| LIABILITIES AND SHAREHOLDERS’ EQUITY                                                                                                                         |   |          |    |   |              |   |   |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| LIABILITIES:                                                                                                                                                       |   |          |    |   |              |   |   |   |
| Line of credit                                                                                                                                                     |   | $             | 42,000  |   |              | $      | 40,500 |   |
| Accrued interest                                                                                                                                                   |   |          | 111     |   |              |   | 165 |   |
| Creditor notes payable                                                                                                                                             |   |          | 34      |   |              |   | 128 |   |
| Other payables and accrued expenses                                                                                                                                |   |          | 1,620   |   |              |   | 1,949 |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| Total liabilities                                                                                                                                                  |   |          | 43,765  |   |              |   | 42,742 |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| 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; 4,061,386 and 4,022,853 issued and outstanding at June 30, 2009 and December 31, 2008, respectively |   |          | 182,573 |   |              |   | 182,462 |   |
| Accumulated other comprehensive income, net of taxes                                                                                                               |   |          | 34      |   |              |   | 210 |   |
| Accumulated deficit                                                                                                                                                |   |          | (84,301 | )      |              |   | (86,586 | ) |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| Total shareholders’ equity                                                                                                                                   |   |          | 98,306  |   |              |   | 96,086 |   |
|                                                                                                                                                               |   |          |    |   |              |   |   |   |
| TOTAL                                                                                                                                                              |   | $             | 142,071 |   |              | $      | 138,828 |   |

----

|                                                            |   | Quarters Ended June 30, |      |   | Six Months Ended June 30, |   |
|-----------------------------------------------------------------|--------|-------------------------|-----------|--------|---------------------------|--------|
|                                                            |   | 2009                    |      |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
| INTEREST:                                                       |   |                    |      |   |                      |   |   |   |   |   |   |   |
| Interest on receivables                                         |   | $                       | 7,729     |   |                      | $      | 7,667 |   |   | $ | 15,187 |   |   | $ | 15,737 |   |
| Accretion and other interest                                    |   |                    | 95        |   |                      |   | 1,765 |   |   |   | 298 |   |   |   | 5,330 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Total interest income                                           |   |                    | 7,824     |   |                      |   | 9,432 |   |   |   | 15,485 |   |   |   | 21,067 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense                                                |   |                    | (389      | )      |                      |   | (643 | ) |   |   | (769 | ) |   |   | (1,475 | ) |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin                                             |   |                    | 7,435     |   |                      |   | 8,789 |   |   |   | 14,716 |   |   |   | 19,592 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Provision for estimated credit losses                           |   |                    | (2,002    | )      |                      |   | (1,619 | ) |   |   | (3,813 | ) |   |   | (2,817 | ) |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin after provision for estimated credit losses |   |                    | 5,433     |   |                      |   | 7,170 |   |   |   | 10,903 |   |   |   | 16,775 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| OTHER REVENUES (EXPENSES):                                      |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and benefits                                           |   |                    | (1,951    | )      |                      |   | (2,349 | ) |   |   | (4,071 | ) |   |   | (4,643 | ) |
| Third party servicing expense                                   |   |                    | (12       | )      |                      |   | (72 | ) |   |   | (25 | ) |   |   | (187 | ) |
| Other operating expenses                                        |   |                    | (1,825    | )      |                      |   | (2,279 | ) |   |   | (3,229 | ) |   |   | (3,689 | ) |
| Change in fair market valuation of creditor notes payable       |   |                    | 44        |   |                      |   | (2 | ) |   |   | 45 |   |   |   | (47 | ) |
| Gain (loss) from deficiency account sale                        |   |                    | 4         |   |                      |   | (1 | ) |   |   | 166 |   |   |   | 158 |   |
| Other expense                                                   |   |                    | (84       | )      |                      |   | (94 | ) |   |   | (137 | ) |   |   | (127 | ) |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Total other revenues (expenses)                                 |   |                    | (3,824    | )      |                      |   | (4,797 | ) |   |   | (7,251 | ) |   |   | (8,535 | ) |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| INCOME BEFORE INCOME TAXES                                      |   |                    | 1,609     |   |                      |   | 2,373 |   |   |   | 3,652 |   |   |   | 8,240 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| INCOME TAX EXPENSE                                              |   |                    | (599      | )      |                      |   | (880 | ) |   |   | (1,368 | ) |   |   | (3,021 | ) |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME                                                      |   | $                       | 1,010     |   |                      | $      | 1,493 |   |   | $ | 2,284 |   |   | $ | 5,219 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME PER COMMON SHARE (BASIC)                             |   | $                       | 0.25      |   |                      | $      | 0.39 |   |   | $ | 0.56 |   |   | $ | 1.35 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME PER COMMON SHARE (DILUTED)                           |   | $                       | 0.25      |   |                      | $      | 0.38 |   |   | $ | 0.56 |   |   | $ | 1.33 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| BASIC WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING      |   |                    | 4,061,386 |   |                      |   | 3,872,133 |   |   |   | 4,054,018 |   |   |   | 3,867,820 |   |
|                                                            |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| DILUTED WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING    |   |                    | 4,062,452 |   |                      |   | 3,928,612 |   |   |   | 4,056,936 |   |   |   | 3,934,438 |   |

----

|                                                                                           |   | Quarters Ended June 30, |   |   | Six Months Ended June 30, |   |
|------------------------------------------------------------------------------------------------|--------|-------------------------|--------|--------|---------------------------|--------|
|                                                                                           |   | 2009                    |   |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                                                                           |   |                    |   |   |                      |   |   |   |   |   |   |   |
| NET INCOME                                                                                     |   | $                       | 1,010  |   |                      | $      | 1,493 |   |   | $ | 2,284 |   |   | $ | 5,219 |   |
|                                                                                           |   |                    |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| OTHER COMPREHENSIVE INCOME:                                                                    |   |                    |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Net unrealized change on recombined assets and Beneficial Interest in Master Trust, net of tax |   |                    | (54    | )      |                      |   | (1,117 | ) |   |   | (176 | ) |   |   | (3,371 | ) |
|                                                                                           |   |                    |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| COMPREHENSIVE INCOME                                                                           |   | $                       | 956    |   |                      | $      | 376 |   |   | $ | 2,108 |   |   | $ | 1,848 |   |

----

|                                                                                        |   | Six Months Ended June 30, |    |
|---------------------------------------------------------------------------------------------|--------|---------------------------|---------|
|                                                                                        |   | 2009                      |    |   | 2008 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES:                                                       |   |                      |    |   |   |   |
| Net income                                                                                  |   | $                         | 2,284   |   |   | $ | 5,219 |   |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: |   |                      |    |   |   |   |   |   |
| Accretion of other comprehensive income                                                     |   |                      | (278    | ) |   |   | (5,308 | ) |
| Accretion of securitization discount                                                        |   |                      | (38     | ) |   |   | (725 | ) |
| Provision for estimated credit losses                                                       |   |                      | 3,813   |   |   |   | 2,817 |   |
| Amortization and depreciation                                                               |   |                      | 226     |   |   |   | 216 |   |
| Amortization of discount and interest accrued on creditor notes payable                     |   |                      | 28      |   |   |   | (100 | ) |
| Gain from disposition of equipment                                                          |   |                      | 3       |   |   |   | - |   |
| Deferred income taxes                                                                       |   |                      | 1,282   |   |   |   | 2,927 |   |
| Change in fair value of creditor notes payable                                              |   |                      | (46     | ) |   |   | 48 |   |
| Stock based compensation expense                                                            |   |                      | 111     |   |   |   | 332 |   |
| Changes in assets and liabilities:                                                          |   |                      |    |   |   |   |   |   |
| Accrued interest receivable and other assets                                                |   |                      | 187     |   |   |   | 203 |   |
| Other payables and accrued expenses                                                         |   |                      | (380    | ) |   |   | (320 | ) |
| Net cash provided by operating activities                                                   |   |                      | 7,192   |   |   |   | 5,309 |   |
|                                                                                        |   |                      |    |   |   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES:                                                       |   |                      |    |   |   |   |   |   |
| Purchase of finance receivables                                                             |   |                      | (32,282 | ) |   |   | (29,531 | ) |
| Collections on finance receivables                                                          |   |                      | 22,258  |   |   |   | 24,147 |   |
| Principal collections and recoveries on receivables held for investment                     |   |                      | 1,003   |   |   |   | 8,818 |   |
| Capital expenditures                                                                        |   |                      | (48     | ) |   |   | (52 | ) |
| Net cash provided by (used in) investing activities                                         |   |                      | (9,069  | ) |   |   | 3,382 |   |
|                                                                                        |   |                      |    |   |   |   |   |   |
| CASH FLOWS FROM FINANCING ACTIVITIES:                                                       |   |                      |    |   |   |   |   |   |
| Principal payments on creditor notes payable                                                |   |                      | (76     | ) |   |   | (822 | ) |
| Net borrowing (repayment) on line of credit                                                 |   |                      | 1,500   |   |   |   | (8,500 | ) |
| Net cash provided by (used in) financing activities                                         |   |                      | 1,424   |   |   |   | (9,322 | ) |
|                                                                                        |   |                      |    |   |   |   |   |   |
| DECREASE IN CASH AND CASH EQUIVALENTS                                                       |   |                      | (453    | ) |   |   | (631 | ) |
| CASH AND CASH EQUIVALENTS—Beginning of year                                           |   |                      | 6,403   |   |   |   | 3,785 |   |
| CASH AND CASH EQUIVALENTS—End of period                                               |   | $                         | 5,950   |   |   | $ | 3,154 |   |
|                                                                                        |   |                      |    |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                          |   |                      |    |   |   |   |   |   |
| Interest paid                                                                               |   | $                         | 794     |   |   | $ | 1,741 |   |

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

----

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

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

----

|                                                                              |   | June 30, 2009 |    |   | December 31, 2008 |   |
|-----------------------------------------------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                                                              |   |          |    |   |              |   |
| Finance receivables, gross                                                        |   | $             | 111,997 |   |              | $      | 104,599 |   |
| Unearned interest                                                                 |   |          | (2,709  | )      |              |   | (3,076 | ) |
| Finance receivables, net of unearned finance charge income                        |   |          | 109,288 |   |              |   | 101,523 |   |
|                                                                              |   |          |    |   |              |   |   |   |
| Accretable unearned acquisition discounts and fees                                |   |          | (12,276 | )      |              |   | (10,836 | ) |
| Finance receivables, net of unearned finance charge income and discounts and fees |   |          | 97,012  |   |              |   | 90,687 |   |
|                                                                              |   |          |    |   |              |   |   |   |
| Allowance for loan losses                                                         |   |          | (7,860  | )      |              |   | (7,560 | ) |
|                                                                              |   |          |    |   |              |   |   |   |
| Finance receivables, net                                                          |   | $             | 89,152  |   |              | $      | 83,127 |   |

|                                  |   | Quarters Ended June 30, |   |   | Six Months Ended June 30, |   |
|---------------------------------------|--------|-------------------------|--------|--------|---------------------------|--------|
|                                  |   | 2009                    |   |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                  |   |                    |   |   |                      |   |   |   |   |   |   |   |
| Balance at beginning of period        |   | $                       | 7,685  |   |                      | $      | 6,810 |   |   | $ | 7,560 |   |   | $ | 6,810 |   |
| Charge-offs, net of recoveries        |   |                    | (1,899 | )      |                      |   | (1,729 | ) |   |   | (3,699 | ) |   |   | (3,338 | ) |
| Provision for estimated credit losses |   |                    | 2,074  |   |                      |   | 1,854 |   |   |   | 3,999 |   |   |   | 3,463 |   |
|                                  |   |                    |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period      |   | $                       | 7,860  |   |                      | $      | 6,935 |   |   | $ | 7,860 |   |   | $ | 6,935 |   |

|                                     |   | June 30, 2009 |    |   | December 31, 2008 |   |
|------------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                     |   |          |    |   |              |   |
| Principal balance of finance receivables |   | $             | 278     |   |              | $      | 1,103 |   |
| Unearned discount                        |   |          | (7      | )      |              |   | (45 | ) |
| Accrued interest receivable              |   |          | 3       |   |              |   | 9 |   |
| Allowance for credit losses              |   |          | — |   |              |   | (7 | ) |
|                                     |   |          |    |   |              |   |   |   |
| Finance receivables—net            |   | $             | 274     |   |              | $      | 1,060 |   |

----

|                                             |   | Quarters Ended June 30, |    |   | Six Months Ended June 30, |   |
|--------------------------------------------------|--------|-------------------------|---------|--------|---------------------------|--------|
|                                             |   | 2009                    |    |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                             |   |                    |    |   |                      |   |   |   |   |   |   |   |
| Balance at the beginning of period               |   | $                       | — |   |                      | $      | 13 |   |   | $ | 7 |   |   | $ | 222 |   |
| Charge-offs                                      |   |                    | (41     | )      |                      |   | (168 | ) |   |   | (85 | ) |   |   | (499 | ) |
| Recoveries                                       |   |                    | 113     |   |                      |   | 399 |   |   |   | 264 |   |   |   | 933 |   |
| Provision (recovery) for estimated credit losses |   |                    | (72     | )      |                      |   | (234 | ) |   |   | (186 | ) |   |   | (646 | ) |
|                                             |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                 |   | $                       | — |   |                      | $      | 10 |   |   | $ | — |   |   | $ | 10 |   |

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

|                                                |   | June 30, 2009 |   |   | December 31, 2008 |   |
|-----------------------------------------------------|--------|---------------|--------|--------|-------------------|--------|
|                                                |   |          |   |   |              |   |
| Prepaid expenses                                    |   |          | 409    |   |              |   | 691 |   |
| Property, equipment and leasehold improvements, net |   |          | 517    |   |              |   | 599 |   |
| Other                                               |   |          | 2      |   |              |   | 2 |   |
| Total other assets                                  |   | $             | 928    |   |              | $      | 1,292 |   |

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

|                                                                                 |   | Quarters Ended June 30, |   |   | Six Months Ended June 30, |   |
|--------------------------------------------------------------------------------------|--------|-------------------------|--------|--------|---------------------------|--------|
|                                                                                 |   | 2009                    |   |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                                                                 |   |                    |   |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                                                                    |   | $                       | 53     |   |                      | $      | 784 |   |   | $ | 128 |   |   | $ | 1,324 |   |
| Total (income) losses included in earnings (recorded as "other revenues (expenses)") |   |                    | (44    | )      |                      |   | 2 |   |   |   | (45 | ) |   |   | 47 |   |
| Purchases, issuances and settlements                                                 |   |                    | 25     |   |                      |   | (336 | ) |   |   | (49 | ) |   |   | (921 | ) |
| Ending balance                                                                       |   | $                       | 34     |   |                      | $      | 450 |   |   | $ | 34 |   |   | $ | 450 |   |

----

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

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

----

| Restricted Stock Awards    |   | Shares |    |   | Weighted Average Grant Date Fair Value |   |
|----------------------------|--------|--------|---------|--------|----------------------------------------|--------|
|                       |   |   |    |   |                                   |   |
| Beginning nonvested awards |   |   | 21,400  |   |                                   | $      | 14.99 |   |
| Granted                    |   |   | 6,000   |   |                                   |   | 6.45 |   |
| Vested                     |   |   | (19,600 | )      |                                   |   | 14.25 |   |
| Forfeited                  |   |   | — |   |                                   |   | — |   |
| Ending nonvested awards    |   |   | 7,800   |   |                                   | $      | 10.29 |   |

----

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

| For The Quarter Ended June 30, 2009                                        |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |
| Total interest income                                                      |   | $      | 108    |   |           | $      | 7,706  |                |   | $      | 10           |   |   | $ | 7,824 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (43    | )      |           |   | (346   | )                   |   |   | —      |   |   |   | (389 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 65     |   |           |   | 7,360  |                |   |   | 10           |   |   |   | 7,435 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 72     |   |           |   | (2,074 | )                   |   |   | —      |   |   |   | (2,002 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 137    |   |           |   | 5,286  |                |   |   | 10           |   |   |   | 5,433 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (192   | )      |           |   | (2,776 | )                   |   |   | (856         | )      |   |   | (3,824 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   | $      | (55    | )      |           | $      | 2,510  |                |   | $      | (846         | )      |   | $ | 1,609 |   |

| For The Quarter Ended June 30, 2008                                        |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |
| Total interest income                                                      |   | $      | 2,167  |   |           | $      | 7,263  |                |   | $      | 2            |   |   | $ | 9,432 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (56    | )      |           |   | (587   | )                   |   |   | —      |   |   |   | (643 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 2,111  |   |           |   | 6,676  |                |   |   | 2            |   |   |   | 8,789 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 234    |   |           |   | (1,853 | )                   |   |   | —      |   |   |   | (1,619 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 2,345  |   |           |   | 4,823  |                |   |   | 2            |   |   |   | 7,170 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other revenues (expenses)                                            |   |   | (3,540 | )      |           |   | (2,786 | )                   |   |   | 1,529        |   |   |   | (4,797 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income before income taxes                                                 |   | $      | (1,195 | )      |           | $      | 2,037  |                |   | $      | 1,531        |   |   | $ | 2,373 |   |

| For The Six Months Ended June 30, 2009                                     |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |
| Total interest income                                                      |   | $      | 351    |   |           | $      | 15,115 |                |   | $      | 19           |   |   | $ | 15,485 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (86    | )      |           |   | (683   | )                   |   |   | —      |   |   |   | (769 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 265    |   |           |   | 14,432 |                |   |   | 19           |   |   |   | 14,716 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 186    |   |           |   | (3,999 | )                   |   |   | —      |   |   |   | (3,813 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 451    |   |           |   | 10,433 |                |   |   | 19           |   |   |   | 10,903 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (1,123 | )      |           |   | (5,627 | )                   |   |   | (501         | )      |   |   | (7,251 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   | $      | (672   | )      |           | $      | 4,806  |                |   | $      | (482         | )      |   | $ | 3,652 |   |

| For The Six Months Ended June 30, 2008                                     |   | UAC    |   |   | Coastal Credit |   |   | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|--------|--------|----------------|--------|--------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |
| Total interest income                                                      |   | $      | 6,497  |   |           | $      | 14,564 |                |   | $      | 6            |   |   | $ | 21,067 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (124   | )      |           |   | (1,351 | )                   |   |   | —      |   |   |   | (1,475 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 6,373  |   |           |   | 13,213 |                |   |   | 6            |   |   |   | 19,592 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 645    |   |           |   | (3,462 | )                   |   |   | —      |   |   |   | (2,817 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 7,018  |   |           |   | 9,751  |                |   |   | 6            |   |   |   | 16,775 |   |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Total other revenues (expenses)                                            |   |   | (9,270 | )      |           |   | (5,696 | )                   |   |   | 6,431        |   |   |   | (8,535 | ) |
|                                                                       |   |   |   |   |           |   |   |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   | $      | (2,252 | )      |           | $      | 4,055  |                |   | $      | 6,437        |   |   | $ | 8,240 |   |

----

|                |   | June 30, 2009 |    |   | December 31, 2008 |   |
|---------------------|--------|---------------|---------|--------|-------------------|--------|
|                |   |          |    |   |              |   |
|                |   |          |    |   |              |   |
| Corporate and other |   | $             | 49,914  |   |              | $      | 51,795 |   |
| Coastal Credit      |   |          | 91,625  |   |              |   | 85,408 |   |
| UAC                 |   |          | 532     |   |              |   | 1,625 |   |
|                |   |          |    |   |              |   |   |   |
|                |   | $             | 142,071 |   |              | $      | 138,828 |   |

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

|                                                          |   | Quarters Ended June 30, |      |   | Six Months Ended June 30, |   |
|---------------------------------------------------------------|--------|-------------------------|-----------|--------|---------------------------|--------|
|                                                          |   | 2009                    |      |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |
| Net income                                                    |   | $                       | 1,010     |   |                      | $      | 1,493 |   |   | $ | 2,284 |   |   | $ | 5,219 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average common shares outstanding                    |   |                    | 4,061,386 |   |                      |   | 3,872,133 |   |   |   | 4,054,018 |   |   |   | 3,867,820 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Incremental shares from assumed conversions:                  |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Warrants                                                      |   |                    | —   |   |                      |   | 48,043 |   |   |   | — |   |   |   | 58,898 |   |
| Stock award plans                                             |   |                    | 1,066     |   |                      |   | 8,436 |   |   |   | 2,918 |   |   |   | 7,720 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Weighted average common shares and assumed incremental shares |   |                    | 4,062,452 |   |                      |   | 3,928,612 |   |   |   | 4,056,936 |   |   |   | 3,934,438 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Earnings per common share:                                    |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Basic                                                         |   | $                       | 0.25      |   |                      | $      | 0.39 |   |   | $ | 0.56 |   |   | $ | 1.35 |   |
|                                                          |   |                    |      |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Diluted                                                       |   | $                       | 0.25      |   |                      | $      | 0.38 |   |   | $ | 0.56 |   |   | $ | 1.33 |   |

----

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

|   | 11.   SUBSEQUENT EVENTS |
|--------|----------------------------------------|

----

----

----

|   | § | Accretion and other income decreased $1.7 million to $0.1 million for the quarter ended June 30, 2009 as compared to $1.8 million for the same period during 2008. This decline is the result of the decline of accretion income related to accumulated other comprehensive income. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A provision for estimated credit losses of $2.0 million was recognized for the quarter ended June 30, 2009 compared to $1.6 million for the quarter ended June 30, 2008. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Salaries and benefits decreased $0.3 million to $2.0 million for the quarter ended June 30, 2009 as compared to $2.3 million for the quarter ended June 30, 2008. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Other operating expenses decreased to $1.8 million for the quarter ended June 30, 2009 as compared to $2.3 million for the quarter ended June 30, 2008. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A decrease in interest expense for the quarter ended June 30, 2009 of $0.2 million as the result of the reductions of debt and interest rates as compared to the quarter ended June 30, 2008. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Interest on receivables was $15.2 million and $15.7 million for the six months ended June 30, 2009 and 2008, respectively.  This decline is the result of the continued liquidation of the UAC receivables, offset by interest earned on a higher average balance of finance receivables – net from Coastal Credit. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | § | Accretion and other income decreased $5.0 million to $0.3 million for the six months ended June 30, 2009 as compared to $5.3 million for the same period during 2008. This decline is the result of the decline of accretion income related to accumulated other comprehensive income. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A provision for estimated credit losses of $3.8 million was recognized for the six months ended June 30, 2009 compared to $2.8 million for the six months ended June 30, 2008. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Salaries and benefits decreased to $4.1 million for the six months ended June 30, 2009 as compared to $4.6 million for the six months ended June 30, 2008. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Other operating expenses decreased $0.5 million to $3.2 million for the six months ended June 30, 2009 as compared to $3.7 million for the six months ended June 30, 2008. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A decrease in interest expense for the six months ended June 30, 2009 of $0.7 million as the result of the reductions of debt and interest rates as compared to the six months ended June 30, 2008. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| For The Quarter Ended June 30, 2009                                        |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | 23      |   |           | $      | 7,706   |                |   | $      | —      |   |   | $ | 7,729 |   |
| Accretion and other interest                                               |   |   | 85      |   |           |   | — |                |   |   | 10           |   |   |   | 95 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | 108     |   |           |   | 7,706   |                |   |   | 10           |   |   |   | 7,824 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (43     | )      |           |   | (346    | )                   |   |   | —      |   |   |   | (389 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 65      |   |           |   | 7,360   |                |   |   | 10           |   |   |   | 7,435 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 72      |   |           |   | (2,074  | )                   |   |   | —      |   |   |   | (2,002 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 137     |   |           |   | 5,286   |                |   |   | 10           |   |   |   | 5,433 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (192    | )      |           |   | (2,776  | )                   |   |   | (856         | )      |   |   | (3,824 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (55     | )      |           |   | 2,510   |                |   |   | (846         | )      |   |   | 1,609 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (599         | )      |   |   | (599 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (55     | )      |           | $      | 2,510   |                |   | $      | (1,445       | )      |   | $ | 1,010 |   |

| For The Quarter Ended June 30, 2008                                        |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | 404     |   |           | $      | 7,263   |                |   | $      | —      |   |   | $ | 7,667 |   |
| Accretion and other interest                                               |   |   | 1,763   |   |           |   | — |                |   |   | 2            |   |   |   | 1,765 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | 2,167   |   |           |   | 7,263   |                |   |   | 2            |   |   |   | 9,432 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (56     | )      |           |   | (587    | )                   |   |   | —      |   |   |   | (643 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 2,111   |   |           |   | 6,676   |                |   |   | 2            |   |   |   | 8,789 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 234     |   |           |   | (1,853  | )                   |   |   | —      |   |   |   | (1,619 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 2,345   |   |           |   | 4,823   |                |   |   | 2            |   |   |   | 7,170 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total other revenues (expenses)                                            |   |   | (3,540  | )      |           |   | (2,786  | )                   |   |   | 1,529        |   |   |   | (4,797 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (1,195  | )      |           |   | 2,037   |                |   |   | 1,531        |   |   |   | 2,373 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (880         | )      |   |   | (880 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (1,195  | )      |           | $      | 2,037   |                |   | $      | 651          |   |   | $ | 1,493 |   |

----

| For The Six Months Ended June 30, 2009                                     |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | 72      |   |           | $      | 15,115  |                |   | $      | —      |   |   | $ | 15,187 |   |
| Accretion and other interest                                               |   |   | 279     |   |           |   | — |                |   |   | 19           |   |   |   | 298 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | 351     |   |           |   | 15,115  |                |   |   | 19           |   |   |   | 15,485 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (86     | )      |           |   | (683    | )                   |   |   | —      |   |   |   | (769 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 265     |   |           |   | 14,432  |                |   |   | 19           |   |   |   | 14,716 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 186     |   |           |   | (3,999  | )                   |   |   | —      |   |   |   | (3,813 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 451     |   |           |   | 10,433  |                |   |   | 19           |   |   |   | 10,903 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total other expenses                                                       |   |   | (1,123  | )      |           |   | (5,627  | )                   |   |   | (501         | )      |   |   | (7,251 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (672    | )      |           |   | 4,806   |                |   |   | (482         | )      |   |   | 3,652 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (1,368       | )      |   |   | (1,368 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (672    | )      |           | $      | 4,806   |                |   | $      | (1,850       | )      |   | $ | 2,284 |   |

| For The Six Months Ended June 30, 2008                                     |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | 1,173   |   |           | $      | 14,564  |                |   | $      | —      |   |   | $ | 15,737 |   |
| Accretion and other interest                                               |   |   | 5,324   |   |           |   | — |                |   |   | 6            |   |   |   | 5,330 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total interest income                                                      |   |   | 6,497   |   |           |   | 14,564  |                |   |   | 6            |   |   |   | 21,067 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest expense                                                           |   |   | (124    | )      |           |   | (1,351  | )                   |   |   | —      |   |   |   | (1,475 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin                                                        |   |   | 6,373   |   |           |   | 13,213  |                |   |   | 6            |   |   |   | 19,592 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Recovery (provision) for estimated credit losses                           |   |   | 645     |   |           |   | (3,462  | )                   |   |   | —      |   |   |   | (2,817 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 7,018   |   |           |   | 9,751   |                |   |   | 6            |   |   |   | 16,775 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Total other revenues (expenses)                                            |   |   | (9,270  | )      |           |   | (5,696  | )                   |   |   | 6,431        |   |   |   | (8,535 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income (loss) before income taxes                                          |   |   | (2,252  | )      |           |   | 4,055   |                |   |   | 6,437        |   |   |   | 8,240 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (3,021       | )      |   |   | (3,021 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Net income (loss)                                                          |   | $      | (2,252  | )      |           | $      | 4,055   |                |   | $      | 3,416        |   |   | $ | 5,219 |   |

----

|                                                               |   | Quarters Ended June 30, |   |
|--------------------------------------------------------------------|--------|-------------------------|--------|
|                                                               |   | 2009                    |   |   | 2008 |   |
|                                                               |   |                    |   |   |   |   |
| UAC discount accretion from accumulated other comprehensive income |   | $                       | 85     |   |   | $ | 1,758 |   |
| Interest on cash balances                                          |   |                    | 10     |   |   |   | 7 |   |
|                                                               |   |                    |   |   |   |   |   |   |
| Accretion and other interest income                                |   | $                       | 95     |   |   | $ | 1,765 |   |

----

|                                                               |   | Six Months Ended June 30, |   |
|--------------------------------------------------------------------|--------|---------------------------|--------|
|                                                               |   | 2009                      |   |   | 2008 |   |
|                                                               |   |                      |   |   |   |   |
| UAC discount accretion from accumulated other comprehensive income |   | $                         | 278    |   |   | $ | 5,308 |   |
| Interest on cash balances                                          |   |                      | 20     |   |   |   | 22 |   |
|                                                               |   |                      |   |   |   |   |   |   |
| Accretion and other interest income                                |   | $                         | 298    |   |   | $ | 5,330 |   |

----

----

----

----

|                                |   | June 30, 2009 |    |   | December 31, 2008 |   |
|-------------------------------------|--------|---------------|---------|--------|-------------------|--------|
|                                |   | $             |    |   |              | %      |   |   | $ |   |   |   | % |   |
|                                |   |          |    |   |              |   |   |   |   |   |   |   |   |   |
| Finance receivables - gross balance |   | $             | 111,997 |   |              |   |   |   |   | $ | 104,599 |   |   |   |   |   |
|                                |   |          |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Delinquencies:                      |   |          |    |   |              |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                          |   | $             | 1,328   |   |              |   | 1.2 | % |   | $ | 1,452 |   |   |   | 1.4 | % |
| 60-89 days                          |   |          | 1,001   |   |              |   | 0.9 | % |   |   | 1,269 |   |   |   | 1.2 | % |
| 90+ days                            |   |          | 2,033   |   |              |   | 1.8 | % |   |   | 1,943 |   |   |   | 1.9 | % |
| Total delinquencies                 |   | $             | 4,362   |   |              |   | 3.9 | % |   | $ | 4,664 |   |   |   | 4.5 | % |

----

|                                                                                            |   | Quarters Ended June 30, |    |   | Six Months Ended June 30, |   |
|-------------------------------------------------------------------------------------------------|--------|-------------------------|---------|--------|---------------------------|--------|
|                                                                                            |   | 2009                    |    |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Balance at beginning of period                                                                  |   | $                       | 7,685   |   |                      | $      | 6,810 |   |   | $ | 7,560 |   |   | $ | 6,810 |   |
| Charge-offs, net of recoveries                                                                  |   |                    | (1,899  | )      |                      |   | (1,729 | ) |   |   | (3,699 | ) |   |   | (3,338 | ) |
| Provision for estimated credit losses                                                           |   |                    | 2,074   |   |                      |   | 1,854 |   |   |   | 3,999 |   |   |   | 3,463 |   |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                                                                |   | $                       | 7,860   |   |                      | $      | 6,935 |   |   | $ | 7,860 |   |   | $ | 6,935 |   |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Net charge-offs                                                                                 |   | $                       | 1,899   |   |                      | $      | 1,729 |   |   | $ | 3,699 |   |   | $ | 3,338 |   |
| Finance receivables, net of unearned finance charges                                            |   | $                       | 109,288 |   |                      | $      | 98,852 |   |   | $ | 109,288 |   |   | $ | 98,852 |   |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of finance receivables, net of unearned finance charges  |   |                    | 7.19    | %      |                      |   | 7.02 | % |   |   | 7.19 | % |   |   | 7.02 | % |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Annualized net charge-offs as a percent of finance receivables, net of unearned finance charges |   |                    | 6.95    | %      |                      |   | 7.00 | % |   |   | 6.77 | % |   |   | 6.75 | % |
|                                                                                            |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of annualized net charge-offs                            |   |                    | 103.48  | %      |                      |   | 100.27 | % |   |   | 106.24 | % |   |   | 103.88 | % |

|                                  |   | June 30, 2009 |   |   | December 31, 2008 |   |
|---------------------------------------|--------|---------------|--------|--------|-------------------|--------|
|                                  |   | $             |   |   |              | %      |   |   | $ |   |   |   | % |   |
|                                  |   |          |   |   |              |   |   |   |   |   |   |   |   |   |
| Finance receivables principal balance |   | $             | 278    |   |              |   |   |   |   | $ | 1,103 |   |   |   |   |   |
|                                  |   |          |   |   |              |   |   |   |   |   |   |   |   |   |   |   |
| Delinquencies:                        |   |          |   |   |              |   |   |   |   |   |   |   |   |   |   |   |
| 30-59 days                            |   | $             | 63     |   |              |   | 22.7 | % |   | $ | 195 |   |   |   | 17.7 | % |
| 60-89 days                            |   |          | 20     |   |              |   | 7.2 | % |   |   | 76 |   |   |   | 6.9 | % |
| 90+ days                              |   |          | 14     |   |              |   | 5.0 | % |   |   | 22 |   |   |   | 2.0 | % |
| Total delinquencies                   |   | $             | 97     |   |              |   | 34.9 | % |   | $ | 293 |   |   |   | 26.6 | % |

----

|                                                          |   | Quarters Ended June 30, |    |   | Six Months Ended June 30, |   |
|---------------------------------------------------------------|--------|-------------------------|---------|--------|---------------------------|--------|
|                                                          |   | 2009                    |    |   | 2008                      |   |   | 2009 |   |   | 2008 |   |
|                                                          |   |                    |    |   |                      |   |   |   |   |   |   |   |
| Balance at the beginning of period                            |   | $                       | — |   |                      | $      | 13 |   |   | $ | 7 |   |   | $ | 222 |   |
| Charge-offs                                                   |   |                    | (41     | )      |                      |   | (168 | ) |   |   | (85 | ) |   |   | (499 | ) |
| Recoveries                                                    |   |                    | 113     |   |                      |   | 399 |   |   |   | 264 |   |   |   | 933 |   |
| Recovery for estimated credit losses                          |   |                    | (72     | )      |                      |   | (234 | ) |   |   | (186 | ) |   |   | (646 | ) |
|                                                          |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                              |   | $                       | — |   |                      | $      | 10 |   |   | $ | — |   |   | $ | 10 |   |
|                                                          |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Net charge-offs (recoveries)                                  |   | $                       | (72     | )      |                      | $      | (231 | ) |   | $ | (179 | ) |   | $ | (434 | ) |
| Finance receivables                                           |   | $                       | 278     |   |                      | $      | 4,187 |   |   | $ | 278 |   |   | $ | 4,187 |   |
|                                                          |   |                    |    |   |                      |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of finance receivables |   |                    | 0.00    | %      |                      |   | 0.24 | % |   |   | 0.00 | % |   |   | 0.24 | % |

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

|   | · | At June 30, 2009, there was $37.8 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 69.2% as of June 30, 2009. |
|--------|--------|--------------------------------------------------------------------------------------------------|

----

|   | · | 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 and potential 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. |
|--------|--------|----------------------------------------------------------------------------|

----

----

----

|   | Nominee               |   | Votes For |   | Votes Withheld |   |
|--------|-----------------------|--------|-----------|--------|----------------|--------|
|   | John M. Eggemeyer     |   | 2,605,355 |   | 1,300          |   |
|   | Thomas C. Heagy       |   | 2,606,654 |   | 1              |   |
|   | William E. McKnight   |   | 2,606,654 |   | 1              |   |
|   | Daniel W. Porter      |   | 2,606,654 |   | 1              |   |
|   | John W. Rose          |   | 2,606,654 |   | 1              |   |
|   | Mark R. Ruh           |   | 2,605,354 |   | 1,301          |   |
|   | Richard D. Waterfield |   | 2,606,654 |   | 1              |   |

| No.  |   | Description                                                                                                                                                                                                                                                             |
|------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3.1a |   | Articles of Incorporation of White River Capital, Inc. (incorporated by reference to Exhibit 3.1 of registrant’s Registration Statement on Form S-1/S-4 (Reg. No. 333-123909))                                                                                    |
| 3.1b |   | Articles of Amendment to White River’s Articles of Incorporation, effective May 22, 2009 (incorporated by reference to Exhibit 3.1 of the registrant’s Form 8-K filed May 26, 2009)                                                                         |
| 3.2  |   | Code of By-Laws of White River Capital, Inc. (amended as of July 24, 2009) (incorporated by reference to Exhibit 3.1 of the registrant’s Form 8-K filed July 28, 2009)                                                                                            |
| 10.1 |   | Amended and Restated Employment Agreement dated as of April 28, 2009, between White River Capital, Inc. and Mark R. Ruh (incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed May 1, 2009)                                                |
| 10.2 |   | Amended and Restated Employment Agreement dated as of April 28, 2009, between White River Capital, Inc. and Martin J. Szumski (incorporated by reference to Exhibit 99.2 of the registrant’s Form 8-K filed May 1, 2009)                                          |
| 10.3 |   | Employment Agreement dated May 18, 2009 (to be effective as of January 1, 2009), by and among Coastal Credit, LLC, White River Capital, Inc., and William E. McKnight (incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed May 22, 2009) |
| 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)              |
|           |                      |   |
|           |                      |   |
| August 7, 2009 | 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                                                                                                                     |
|------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------|
| 3.1a |   | Articles of Incorporation of White River Capital, Inc.                                                                                                                |   | Incorporated by reference to Exhibit 3.1 of registrant’s Registration Statement on Form S-1/S-4 (Reg. No. 333-123909). |
| 3.1b |   | Articles of Amendment to White River’s Articles of Incorporation, effective May 22, 2009                                                                        |   | Incorporated by reference to Exhibit 3.1 of the registrant’s Form 8-K filed May 26, 2009.                              |
| 3.2  |   | Code of By-Laws of White River Capital, Inc. (amended as of July 24, 2009)                                                                                            |   | Incorporated by reference to Exhibit 3.1 of the registrant’s Form 8-K filed July 28, 2009.                             |
| 10.1 |   | Amended and Restated Employment Agreement dated as of April 28, 2009, between White River Capital, Inc. and Mark R. Ruh                                               |   | Incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed May 1, 2009.                              |
| 10.2 |   | Amended and Restated Employment Agreement dated as of April 28, 2009, between White River Capital, Inc. and Martin J. Szumski                                         |   | Incorporated by reference to Exhibit 99.2 of the registrant’s Form 8-K filed May 1, 2009.                              |
| 10.3 |   | Employment Agreement dated May 18, 2009 (to be effective as of January 1, 2009), by and among Coastal Credit, LLC, White River Capital, Inc., and William E. McKnight |   | Incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed May 22, 2009.                             |
| 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                                                                                                                     |

----