EXHIBIT 11. STATEMENT REGARDING COMPUTATION OF PER SHARE EARNINGS For the Three Months Ended March 31, 2002 --------------------- (In Thousands, Except Per Share Data) 1. Net income $61,218 Preferred stock dividends declared (1,500) ------- Net income available to common shareholders $59,718 ======= 2. Weighted average common shares outstanding 90,782 3. ESOP shares not committed to be released (5,304) ------- 4. Total weighted average common shares outstanding 85,478 ------- 5. Basic earnings per common share $ 0.70 ------- 6. Total weighted average common shares outstanding 85,478 7. Dilutive effect of stock options using the treasury stock method 1,564 ------- 8. Total weighted average common and common equivalent shares outstanding 87,042 ------- 9. Diluted earnings per common share $ 0.69 ------- 33