ORANGE COUNTY EARNINGS

WFS Financial Inc.: The Irvine-based consumer auto loan company, a subsidiary of Westcorp, said it lost $3.9 million, or 15 cents a share, in the third quarter, compared to a year-earlier profit of $6.4 million, or 25 cents a share. The loss included a one-time charge of $4.5 million to cover the costs of a previously announced corporate restructuring.

The third-quarter loss for operations was $1.4 million, or 5 cents a share. WFS previously had said that it anticipated the quarterly loss because of credit losses in its operations in the eastern and central regions of the country.

Revenue for the third quarter fell 28% to $39.5 million from $55.1 million.