Exhibit 12.01

Computation of Ratio of Earnings to Fixed Charges
( Dollars in thousands)

				Fiscal Year Ended
	2009			2008		2007		March 31, 2006		2005		2004
Pre-tax net income before minority interest	$	(258,557	)	$	50,382	$	63,317	$	77,333	$	91,413	$	80,022
Interest on deposits	$	94,857		$	123,269	$	116,404	$	76,550	$	51,447	$	54,004
Interest on short-term borrowings	$	—		$	25,577	$	15,537	$	9,918	$	7,261	$	6,606
Interest on long-term borrowings		—			18,824		20,705		19,378		20,568		19,297
Total interest on borrowings	$	40,615		$	44,401	$	36,242	$	29,296	$	27,829	$	25,903
Ratio of earnings to fixed charges
Including interest on deposits		(5.4	)		2.1		2.8		3.6		4.3		4.1
Excluding interest on deposits		(3.0	)		4.9		6.0		6.3		6.1		6.2