EXHIBIT 12

MAF Bancorp, Inc.

Exhibit 12. Statement re:

|Computation | of Ratio of Earnings to Fixed Charges
|----------- | -------------------------------------



|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|-------------------------------------------------------------------- |  | -------------------------- | - |  | -------------------------- | - |  | -------------------------- |  | -------------------------- | - |  | -------------------------- | -
|                                                                     |  | Year EndedDecember 31,2005 |   |  | Year EndedDecember 31,2004 |   |  | Year EndedDecember 31,2003 |  | Year EndedDecember 31,2002 |   |  | Year EndedDecember 31,2001 |  
|                                                                     |  | (Dollars in thousands)     |  
|Inclusive of interest on deposits:                                   |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Earnings:                                                            |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Pre-tax income                                                       |  | 157,881                    |   |  | 152,311                    |   |  | 130,914                    |  | 114,746                    |   |  | 94,941                     |  
|Add: Fixed charges                                                   |  | 221,159                    |   |  | 168,227                    |   |  | 140,588                    |  | 174,092                    |   |  | 215,854                    |  
|Less: Interest capitalized                                           |  | (173                       | ) |  | (8                         | ) |  |                           |  | (96                        | ) |  | (168                       | )
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Earnings                                                             |  | 378,867                    |   |  | 320,530                    |   |  | 271,502                    |  | 288,742                    |   |  | 310,627                    |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Fixed charges:                                                       |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Interest on deposits                                                 |  | 108,374                    |   |  | 73,872                     |   |  | 61,011                     |  | 90,963                     |   |  | 120,664                    |  
|Interest on borrowed funds                                           |  | 105,523                    |   |  | 86,013                     |   |  | 75,941                     |  | 80,502                     |   |  | 93,825                     |  
|Rent expense                                                         |  | 7,262                      |   |  | 8,342                      |   |  | 3,636                      |  | 2,627                      |   |  | 1,365                      |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Fixed charges                                                        |  | 221,159                    |   |  | 168,227                    |   |  | 140,588                    |  | 174,092                    |   |  | 215,854                    |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Ratio of earnings to fixed charges inclusive of interest on deposits |  | 1.71                       |   |  | 1.91                       |   |  | 1.93                       |  | 1.66                       |   |  | 1.44                       |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Exclusive of interest on deposits:                                   |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Earnings:                                                            |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Pre-tax income                                                       |  | 157,881                    |   |  | 152,311                    |   |  | 130,914                    |  | 114,746                    |   |  | 94,941                     |  
|Add: Fixed charges                                                   |  | 112,785                    |   |  | 94,355                     |   |  | 79,577                     |  | 83,129                     |   |  | 95,190                     |  
|Less: Interest capitalized                                           |  | (173                       | ) |  |                           |   |  |                           |  | (96                        | ) |  | (168                       | )
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Earnings                                                             |  | 270,493                    |   |  | 246,666                    |   |  | 210,491                    |  | 197,779                    |   |  | 189,963                    |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Fixed charges:                                                       |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Interest on deposits                                                 |  |                           |   |  |                           |   |  |                           |  |                           |   |  |                           |  
|Interest on borrowed funds                                           |  | 105,523                    |   |  | 86,013                     |   |  | 75,941                     |  | 80,502                     |   |  | 93,825                     |  
|Rent expense                                                         |  | 7,262                      |   |  | 8,342                      |   |  | 3,636                      |  | 2,627                      |   |  | 1,365                      |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Fixed charges                                                        |  | 112,785                    |   |  | 94,355                     |   |  | 79,577                     |  | 83,129                     |   |  | 95,190                     |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |  
|Ratio of earnings to fixed charges exclusive of interest on deposits |  | 2.40                       |   |  | 2.61                       |   |  | 2.65                       |  | 2.38                       |   |  | 2.00                       |  
|                                                                     |  |                            |   |  |                            |   |  |                            |  |                            |   |  |                            |