United PanAm Financial Corp.:

The Irvine specialty finance company said fourth-quarter net income totaled $766,000, or 5 cents a share. A net loss of $3.8 million, or 23 cents a share, was posted for the same period a year ago, which included a $6.2-million loss on the disposal of discontinued operations.

For the year, the company reported a net loss of $6.7 million, or 41 cents a share, compared with a net loss of $4.4 million, or 25 cents a share, for 1999.