Financial Corp. of America said it expects to be in the red again in the fourth quarter. FCA spokeswoman Layna Browdy declined to speculate on the size of the loss or whether it would come from operations or one-time writeoffs. The Irvine-based firm lost $44.9 million in the first nine months of this year. Since late 1984, the nation's biggest thrift holding concern and parent of Stockton, Calif.-based American Savings & Loan Assn. has been battered by writeoffs and loss reserves for soured loans and foreclosed properties. As of Sept. 30, FCA's regulatory capital level slumped to $357.8 million, more than $1 billion below the regulatory capital level required of solvent institutions.