EXHIBIT 12.1
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
FOR THE YEARS ENDED SEPTEMBER 30,
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2001 2000
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INCLUDING EXCLUDING INCLUDING EXCLUDING
INTEREST ON INTEREST ON INTEREST ON INTEREST ON
DEPOSITS DEPOSITS DEPOSITS DEPOSITS
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(Dollars in thousands)
Earnings (loss) from operations before income taxes ....... $ (522) $ (522) $ (4,238) $ (4,238)
Portion of rents representative of the interest factor..... 439 439 352 352
Interest................................................... 17,247 5,618 13,094 5,426
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Earnings as adjusted....................................... $ 17,164 $ 5,535 $ 9,208 $ 1,540
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Portion of rents representative of the interest factor..... $ 439 $ 439 $ 352 $ 352
Interest................................................... 17,247 5,618 13,094 5,426
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Fixed charges.............................................. $17,686 $6,057 $13,446 $5,778
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Ratio of earnings to fixed charges......................... .970x .914x .685x .267x
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