Bostonfed Bancorp Inc, et al. – ‘S-4’ on 2/8/01 – EX-12.0

On:  Thursday, 2/8/01, at 5:04pm ET   ·   Accession #:  950135-1-318   ·   File #s:  333-55250, -01

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Registration of Securities Issued in a Business-Combination Transaction   —   Form S-4
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: S-4         Registration of Securities Issued in a                84    428K 
                          Business-Combination Transaction                       
 2: EX-4.1      Indenture of the Corporation                          82    331K 
11: EX-4.10     Series A Capital Securities Agreement                 24     93K 
12: EX-4.11     Common Securities Guarantee Agreement                 10     40K 
 3: EX-4.2      Form of Certificate of Exhchange                       9     38K 
 4: EX-4.3      Certificate of Trust Bfd Preferred Capital Trust       1     10K 
 5: EX-4.4      Declaration of Trust of Bfd Preferred Capital          4     22K 
 6: EX-4.5      Amended and Restated Declaratoin of Trust             98    362K 
 7: EX-4.6      Form of Exchange Capital Security Certificate          8     25K 
 8: EX-4.7      Form of Exchange Guarantee of the Corporation         25     92K 
 9: EX-4.8      Registration Rights Agreement                         26    110K 
10: EX-4.9      Liguidation Rights Agreement                           4     21K 
13: EX-5.1      Opinion and Consent of Muldoon, Murphy & Faucette      2     14K 
14: EX-5.2      Opinion and Consent of Morris, James, Hitchens         3     19K 
15: EX-8.0      Opinion of Muldoon, Murphy & Faucette LLP              1     12K 
16: EX-12.0     Computation of Ratio of Earnings to Fixed Charges      2±    13K 
17: EX-23.1     Consent of Kpmg LLP                                    1     10K 
18: EX-25.1     Form T-1 Property Trustee                             29     95K 
19: EX-25.2     Form T-1 Guarantee Trustee                            29     95K 
20: EX-25.3     Form T-1 Debenture Trustee                            29     93K 
21: EX-99.1     Form of Letter of Transmittal                         14     69K 
22: EX-99.2     Form of Notice of Guaranteed Delivery                  4     19K 
23: EX-99.3     Form of Exchange Agreement                            11     42K 
24: EX-99.4     Form of Letters to Brokers and Other Nominees          3     17K 
25: EX-99.5     Form of Client Letter                                  2     14K 

EX-12.0   —   Computation of Ratio of Earnings to Fixed Charges

EX-12.0
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                                                              Exhibit 12.0

COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES            

BostonFed Bancorp, Inc.'s ratios of earnings to fixed charges (excluding        
interest on deposits) for the five years ended December 31, 1999 and the nine   
months ended September 30, 2000 and 1999 were as follows:                       

                                                        [Enlarge/Download Table]

                                                                                   NINE MONTHS ENDED
                                                    YEAR ENDED DECEMBER 31,          SEPTEMBER 30,  
                                       ------------------------------------------  -----------------
                                        1999     1998     1997     1996     1995    2000     1999   
                                       ------   ------   ------   ------   ------   ------   ------ 
                                                                                                    
Income before income taxes ........... 13,513   12,772   12,560    5,020    1,951   11,408   10,100 
                                       ------   ------   ------   ------   ------   ------   ------ 
Fixed charges:                                                                                      
   Interest expense .................. 47,208   42,557   37,129   28,891   23,552   40,638   34,822 
   Interest factor of rental expense .    473      419      393      365      353      427      349 
                                       ------   ------   ------   ------   ------   ------   ------ 
      Fixed charges .................. 47,681   42,976   37,522   29,256   23,905   41,065   35,171 
Less: interest expense on deposits ... 25,872   24,096   19,176   12,698   15,123   23,303   19,046 
                                       ------   ------   ------   ------   ------   ------   ------ 
      Net fixed charges .............. 21,809   18,880   18,346   16,558    8,782   17,762   16,125 
                                       ------   ------   ------   ------   ------   ------   ------ 
Earnings, excluding interest                                                                        
   on deposits ....................... 35,322   31,652   30,906   21,578   10,733   29,170   26,225 
                                       ======   ======   ======   ======   ======   ======   ====== 

Ratio of earnings, excluding interest                                                               
   on deposits, to net fixed charges                                                                
   (1) ...............................   1.62     1.68     1.68     1.30     1.22     1.64     1.63 
Earnings, including interest                                                                        
   on deposits ....................... 61,194   55,748   50,082   34,276   25,856   52,473   45,271 
                                       ======   ======   ======   ======   ======   ======   ====== 
Ratio of earnings, including interest                                                               
   on deposits, to net fixed charges                                                                
   (2) ...............................   1.28     1.30     1.33     1.17     1.08     1.28     1.29 


---------------------------                                                     
(1)    For the purposes of computing the ratio of earnings, excluding interest  
 on deposits, to net fixed charges, earnings represent income before
     income taxes plus net fixed charges. Net fixed charges include interest
  expense, other than interest on deposits, and that portion of rental
 expense, generally one third, deemed representative of the interest
factor.                                                           

(2)    For the purposes of computing the ratio of earnings, including interest  
    on deposits, to fixed charges, earnings represent income before income
       taxes plus fixed charges. Fixed charges include interest expense and that
      portion of rental expense, generally one third, deemed representative of
the interest factor.                                              

Dates Referenced Herein   and   Documents Incorporated by Reference

This ‘S-4’ Filing		Date		Other Filings
Filed on:		2/8/01
		9/30/00		10-Q
		12/31/99		10-K
		9/30/99		10-Q
				List all Filings