EXHIBIT 12.1

MAF Bancorp, Inc.
Statement re:
Computation of Ratio to Fixed Charges

	At or For the Years Ended December 31,
	2006			2005			2004			2003		2002
	(Dollars in thousands)
Inclusive of interest on deposits:
Earnings:
Pre-tax income	$	133,577			157,881			152,311			130,914		114,746
Add: Fixed charges		343,649			221,888			168,227			140,588		174,092
Loss on equity investments		—			—			—			—		—
Less: Interest capitalized		(729	)		(173	)		(8	)		—		(96	)

Earnings	$	476,467			379,596			320,530			271,502		288,742

Fixed charges:
Interest on deposits	$	185,705			108,374			73,872			61,011		90,963
Interest on borrowed funds		149,866			105,523			86,013			75,941		80,502
Rent expense		8,048			7,991			8,342			3,636		2,627

Fixed charges	$	343,619			221,888			168,227			140,588		174,092

Ratio of earnings to fixed charges
inclusive
of interest on deposits		1.39	%		1.71			1.91			1.93		1.66

Exclusive of interest on deposits:
Earnings:
Pre-tax income	$	133,577			157,881			152,311			130,914		114,746
Add: Fixed charges		157,914			113,514			94,355			79,577		83,129
Loss on equity investments		—			—			—			—		—
Less: Interest capitalized		(729	)		(173	)		—			—		(96	)

Earnings	$	290,762			271,222			246,666			210,491		197,779

Fixed charges:
Interest on deposits	$	—			—			—			—		—
Interest on borrowed funds		149,866			105,523			86,013			75,941		80,502
Rent expense		8,048			7,991			8,342			3,636		2,627

Fixed charges	$	157,914			113,514			94,355			79,577		83,129

Ratio of earnings to fixed charges
inclusive
of interest on deposits		1.84	%		2.39			2.61			2.65		2.38

MAF Bancorp, Inc.Statement re:Computation of Ratio to Fixed Charges