| Income Statement for United PanAm Financial Corp. (UPFC) | | | | | | | Income | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | Total Interest Income | 229,458 | 195,270 | 174,566 | 137,229 | 101,211 | | Total Interest Expense | (47,449) | (35,791) | (37,958) | (26,869) | (23,146) | | Net Interest Income | 182,009 | 159,479 | 136,608 | 110,360 | 78,065 | | Loan Loss Provision | (69,764) | (46,800) | (31,166) | (25,516) | (17,737) | | Net Interest Income After Loan Loss Provision | 112,245 | 112,679 | 105,442 | 84,844 | 60,328 | | Non-Interest Income | 1,730 | 1,737 | 4,277 | 3,057 | 3,363 | | Non-Interest Expense | (96,706) | (81,109) | (64,471) | (54,901) | (41,404) | | Special Income/Charges | - | - | - | - | - | | Net Income Before Taxes | 17,269 | 33,307 | 45,248 | 33,000 | 22,287 | | Premium Tax (Credit) | - | - | - | - | - | | Minority Interest | - | - | - | - | - | | Income Taxes | (6,683) | (13,562) | (18,250) | (13,078) | (9,012) | | Net Income from Continuing Operations | 10,586 | 19,745 | 26,998 | 19,922 | 13,275 | | Net Income from Discontinued Operations | - | (676) | (333) | 3,783 | - | | Net Income from Total Operations | 10,586 | 19,069 | 26,665 | 23,705 | 13,275 | | Extraordinary Income/Loss | - | - | - | - | - | | Income from Cum. Effect of Acct Change | - | - | - | - | - | | Income from Tax Loss Carryforward | - | - | - | - | - | | Other Gains | - | - | - | - | - | | Total Net Income | 10,586 | 19,069 | 26,665 | 23,705 | 13,275 | | | Results | in Dollars (Preferred Dividends in Thousands) | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Dividends Paid Per Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Preferred Dividends | - | - | - | - | - | | | Basic EPS from Continuing Operations | 0.66 | 1.13 | 1.60 | 1.23 | 0.83 | | Basic EPS from Discontinued Operations | 0.00 | -0.04 | -0.02 | 0.23 | 0.00 | | Basic EPS from Total Operations | 0.66 | 1.09 | 1.58 | 1.46 | 0.83 | | Basic EPS from Extraordinary Inc | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Basic EPS from Cum. Effect of Acct Chg | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Basic EPS from Tax Loss Carryforward | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Basic EPS from Other Gains(Loss) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Basic EPS, Total | 0.66 | 1.09 | 1.58 | 1.46 | 0.83 | | | Basic Normalized Net Income/Share | 0.66 | 1.13 | 1.60 | 1.23 | 0.83 | | | Diluted EPS from Continuing Operations | 0.65 | 1.06 | 1.45 | 1.10 | 0.72 | | Diluted EPS from Discontinued Operations | 0.00 | -0.04 | -0.02 | 0.21 | 0.00 | | Diluted EPS from Total Operations | 0.65 | 1.02 | 1.43 | 1.31 | 0.72 | | Diluted EPS from Extraordinary Inc | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Diluted EPS from Cum. Effect of Acct Chg | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Diluted EPS from Tax Loss Carryforward | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Diluted EPS from Other Gains(Loss) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | | Diluted EPS, Total | 0.65 | 1.02 | 1.43 | 1.31 | 0.72 | | | Diluted Normalized Net Income/Share | 0.65 | 1.06 | 1.45 | 1.10 | 0.72 | | | |
