With a few exceptions, 2002 has proved profitable for subprime lenders, the latest round of earnings reports suggest. Aames Financial reported net income of $9.9 million for the third quarter, up $600,000 from the same period in 2001. The increase was due in large part to a $14.2 million jump in revenue. Aames’ gain-on-sale of loans rose by $7.7 million, and it reported $1.09 million in