Exhibit 12.01

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

	Three Months		Fiscal Year Ended
	June 30, 2008		March 31, 2006
Pre-tax net income before minority interest	$	9,117	$	51,184	$	63,799	$	73,887	$	64,321	$	71,896
Interest on deposits	$	26,842	$	123,269	$	116,404	$	76,550	$	51,447	$	54,004
Interest on short-term borrowings	$	1,743	$	25,577	$	15,537	$	9,918	$	7,261	$	6,606
Interest on long-term borrowings		8,502		18,824		20,705		19,378		20,568		19,297
Total interest on borrowings	$	10,245	$	44,401	$	36,242	$	29,296	$	27,829	$	25,903
Ratio of earnings to fixed charges
Including interest on deposits		1.9		2.2		2.8		3.5		3.3		3.8
Excluding interest on deposits		4.5		4.9		6.0		6.1		5.2		5.9