EXHIBIT 12.1

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

|                                   | At or For the Years Ended December 31, | 
|---------------------------------- | -------------------------------------- | 
|
|
|Inclusive of interest on deposits: |                                        | 
|Earnings:                          |                                        | 
|Pre-tax income                     |                                        | 
|Add:  Fixed charges                |                                        | 
|Loss on equity investments         |                                        | 
|Less:  Interest capitalized        |                                        | 
|                                   |                                        | 
|Earnings                           |                                        | 
|                                   |                                        | 
|Fixed charges:                     |                                        | 
|Interest on deposits               |                                        | 
|Interest on borrowed funds         |                                        | 
|Rent expense                       |                                        | 
|                                   |                                        | 
|Fixed charges                      |                                        | 
|                                   |                                        | 
|Ratio of earnings to fixed charges |                                        | 
|inclusive                          |                                        | 
|of interest on deposits            |                                        | 
|                                   |                                        | 
|Exclusive of interest on deposits: |                                        | 
|Earnings:                          |                                        | 
|Pre-tax income                     |                                        | 
|Add:  Fixed charges                |                                        | 
|Loss on equity investments         |                                        | 
|Less:  Interest capitalized        |                                        | 
|                                   |                                        | 
|Earnings                           |                                        | 
|                                   |                                        | 
|Fixed charges:                     |                                        | 
|Interest on deposits               |                                        | 
|Interest on borrowed funds         |                                        | 
|Rent expense                       |                                        | 
|                                   |                                        | 
|Fixed charges                      |                                        | 
|                                   |                                        | 
|Ratio of earnings to fixed charges |                                        | 
|inclusive                          |                                        | 
|of interest on deposits            |                                        | 
|                                   |                                        |