# UNITED STATES

# SECURITIES AND
EXCHANGE COMMISSION

# Washington, D.C. 20549

# FORM 11-K

# Annual report persuant to section 15(d) of 
The Securities and Exchange Act of 1934

For the fiscal year ended December 31 2006

# Commision File Number: 0-18121

_________________

# MID AMERICA BANK fsbEMPLOYEES PROFIT SHARING PLAN

(Full title of the plan)

MAF BANCORP, INC.55TH & HOLMES Clarendon Hills, IL 60514

(Name of issuer of the securities held pursuant to the
plan and the address of its principal executive officer)

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# REQUIRED INFORMATION

Items
1-3. Not applicable.

Item
4. The Mid America Bank, fsb Employees Profit Sharing Plan, which is subject to
ERISA, files plan financial statements and schedules prepared in accordance with the
financial reporting requirements of ERISA.

Financial
Statements. Listed below are the financial statements and schedules filed as a part of
this annual report, which are hereby incorporated by reference to the Registration
Statement on Form S-8 filed by the Mid America Bank, fsb Employees Profit Sharing
Plan (Registration No. 333-83534) with the Securities and Exchange Commission on February
28, 2002.

| | (a) | Statements of Net Assets Available for Plan Benefits as of December 31, 2006 and
               2005, and the related Statements of Changes in Net Assets Available for Plan
               Benefits for each of the years in the three-year period ended December 31, 2006.
| | --- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | (b) | Notes to Financial Statements.
| | --- | ------------------------------

| | (c) | Supplemental Schedules.
| | --- | -----------------------

Exhibits

|No. 23 |  | Consent of Independent Registered Public
Accounting Firm.
|------ |  | ---------------------------------------------------------

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# SIGNATURES

The
Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the
trustees (or other persons who administer the employee benefit plan) have duly caused this
Annual Report to be signed on its behalf by the undersigned hereunto duly authorized.

|                    |  |                                        
|------------------- |  | ---------------------------------------
|Date: June 29, 2007 |  | Mid America Bank, fsb                  
|                    |  | Employees Profit Sharing Plan         
|                    |  |                                        
|                    |  |                                        
|                    |  |                                        
|                    |  |                                        
|                    |  |                                        
|                    |  |                                        
|                    |  | By: /s/ Michael J. Janssen             
|                    |  | Member of Plan Administrative Committee

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# MID AMERICA BANK, fsb EMPLOYEES PROFIT
SHARING PLAN

# Financial Statements and Supplemental Schedules December 31, 2006 and 2005 (With Independent Auditors Report Thereon)

---

# MID AMERICA BANK, fsbEMPLOYEES PROFIT
SHARING PLAN

# INDEX

|                                                                                                                |  | Page
|--------------------------------------------------------------------------------------------------------------- |  | ----
|Report of Independent Registered Public Accounting Firm                                                         |  | 1   
|Financial Statements:                                                                                           |  |     
|Statements of Net Assets Available for Plan Benefits at December 31, 2006 and 2005                              |  | 2   
|Statement of Changes in Net Assets Available for Plan Benefits for years ended December 31, 2006, 2005 and 2004 |  | 3   
|Notes to Financial Statements                                                                                   |  | 4   
|Supplemental Schedules:                                                                                         |  |     
|1    Schedule H, Line 4i - Schedule of Assets (Held at End of Year) as of December 31, 2006                     |  | 13  
|2    Schedule H, Line 4j - Schedule of Reportable Transactions for the year ended     December 31, 2006         |  | 14  

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# Report of Independent Registered Public Accounting Firm

The TrusteesMid America
Bank, fsb   Employees Profit Sharing Plan:

We have audited the accompanying statements of net assets available for plan benefits of the Mid
America Bank, fsb Employees Profit Sharing Plan (the Plan) as of December 31, 2006 and 2005, and the
related statements of changes in net assets available for plan benefits for each of the years in the
three-year period ended December 31, 2006. These financial statements are the responsibility of the
Plans management. Our responsibility is to express an opinion on these financial statements based on our
audits.

We conducted our audits in accordance with the standards
of the Public Company Accounting Oversight Board (United States). Those standards require that we plan
and perform the audit to obtain reasonable assurance about whether the financial statements are free of
material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements. An audit also includes assessing the accounting principles used
and significant estimates made by management, as well as evaluating the overall financial statement
presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects,
the net assets available for plan benefits of the Mid America Bank, fsb Employees Profit Sharing Plan
as of December 31, 2006 and 2005, and the changes in net assets available for plan benefits for each of
the years in the three-year period ended December 31, 2006, in conformity with U.S. generally accepted
accounting principles.

Our audits were performed for the purpose of forming an opinion on the basic financial statements
taken as a whole. The supplemental Schedule H, line 4i - Schedule of Assets (Held at End of Year) as of
December 31, 2006 and Schedule H, line 4j - Schedule of Reportable Transactions for the year ended
December 31, 2006, are presented for the purpose of additional analysis and are not a required part of
the basic financial statements, but are supplementary information required by the Department of Labors
Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of
1974. These supplemental schedules are the responsibility of the Plans management, and have been
subjected to the auditing procedures applied in the audits of the basic financial statements and, in our
opinion, are fairly stated in all material respects in relation to the basic financial statements taken
as a whole.

/s/ KPMG LLP

June 22,
2007Chicago, Illinois

1

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLAN

Statements of Net Assets Available for Plan BenefitsDecember 31, 2006 and 2005

|                                       | 2006 | 2005
|-------------------------------------- | ---- | ----
|Assets:                                |      |     
|Investments, at fair value:            |      |     
|MAF Bancorp, Inc. common stock         |      |     
|Mutual Funds                           |      |     
|Collective trust fund                  |      |     
|Participant loans receivable           |      |     
|                                       |      |     
|                                       |      |     
|Employer contribution receivable       |      |     
|Accrued dividends                      |      |     
|                                       |      |     
|Net assets available for plan benefits |      |     
|                                       |      |     

See accompanying notes to financial statements.

2

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLAN

Statements of Changes in Net Assets Available for Plan BenefitsDecember 31, 2006, 2005 and 2004

|                                          | 2006 | 2005 | 2004
|----------------------------------------- | ---- | ---- | ----
|Additions to net assets attributed to:    |      |      |     
|Interest Income                           |      |      | $   
|Dividend income                           |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|Gain on sale of investments:              |      |     
|Mutual Funds                              |      |      |     
|Collective trust fund                     |      |      |     
|MAF Bancorp, Inc. common stock            |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|Unrealized appreciation (depreciation) in |      |     
|fair value investments:                   |      |     
|Mutual funds                              |      |      |     
|Collective trust fund                     |      |      |     
|MAF Bancorp, Inc. common stock            |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|Contributions:                            |      |     
|Employer                                  |      |      |     
|Employee                                  |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|Transfer of assets from other plans       |      |      |     
|                                          |      |      |     
|Total additions to net assets             |      |      |     
|                                          |      |      |     
|Deductions from net assets attributed to: |      |     
|Benefits paid to participants             |      |      |     
|Administrative expenses                   |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|                                          |      |      |     
|Net increase in net assets available      |      |     
|for plan benefits                         |      |      |     
|Net assets available for plan benefits:   |      |     
|Beginning of year                         |      |      |     
|                                          |      |      |     
|End of year                               |      |      | $   
|                                          |      |      |     

See accompanying notes to financial statements.

3

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

(1)    
Description of Plan

| |  | The  following  description  of the Mid America Bank,  fsb  Employees  Profit  Sharing Plan  (the Plan)
       provides  only  general  information.  Participants  should  refer to the plan  agreement  for a more
       complete description of the Plans provisions.
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(a)  General

| |  | The  Plan  is a  defined  contribution  plan  with a  401(k)
              salary  deferral  option.  All  employees  of Mid  America  Bank,  fsb  and  its  affiliates
              (the Company)  are  eligible  to  participate  in the salary  deferral  portion of the Plan.
              An employee becomes eligible to participate in the Plan with respect
to Employer Matching and Discretionary Contributions the first day of the month  following his or her  completion of
              six months of employment provided the employee is twenty-one years of age or older and has completed 500 hours of service.  The Plan is subject
              to the provisions of the Employee Retirement Income Security Act of 1974 (ERISA).  Effective
              October 1,  2003,  ABN-AMRO  succeeded  LaSalle Bank,  N.A. as the Trustee of the Plan.  The
              Principal  Financial Group acquired the pension and retirement services business of ABN-AMRO
              in the last quarter of 2005. The Principal Financial Group became the Trustee of the Plan.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(b)  Mergers

| |  | On February 1, 2006, EFS Bank, wholly-owned subsidiary of EFC Bancorp, was merged into Mid America Bank, fsb, who thereupon
became the plan sponsor for the Elgin Financial Center, SB 401(k) Employee benefit plan
and Trust (EFS Plan). The EFS Plan was merged into the Plan on April 3, 2006, and assets were transferred at that time. All
Elgin participant accounts became 100% vested on February 1, 2006.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(c)  Transfers

| |  | Participants  who have reached age 55 and completed 10 years of  participation in the Plan are allowed
to transfer  funds allocated to their accounts from the Companys  Employee  Stock  Ownership Plan (ESOP) into the Plan.
Transfers from the Companys  ESOP to the Plan totaled $2,303 in 2006,  $55,129 in 2005, and
$335,044 in 2004.
| |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(d)  Contributions

| |  | Each year,  Plan  participants  may contribute up to 10% of their annual  compensation  as a voluntary
              after-tax  contribution.  In addition, all employees are allowed to defer up to 75% of their
              pretax  compensation  as 40l(k)  contributions  up to an  annual  limit of  $15,000  in 2006
              ($14,000 in 2005 and $13,000 in 2004).  Beginning  in 2002,  special  provisions  applied to
              employees  over the age of 50,  which  increased  the  annual  limit for such  employees  to
              $20,000 in 2006  ($18,000 in 2005).  The Company will make matching  contributions  equal to
              35% of a participants  pretax deferral amounts,  up to a maximum match of $1,200, for those
              401(k) plan participants eligible to receive employer matching  contributions.  The Company,
              at its discretion, may make additional contributions to the Plan.
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

4

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

(e)  Participant Accounts

| |  | Each  participants  contribution  account is  credited  with the  participants  contribution  and an
              allocation of earnings.  Each participants  Company  contribution  account is also credited
              with  an  allocation  of  the  Companys   contribution   and   forfeitures   of  terminated
              participants nonvested balances,  subject to federal rules governing employer contributions
              to qualified plans.  Allocation of the Companys  contribution and forfeitures of terminated
              participants  accounts are based on the ratio that each participants eligible compensation
              for the plan year bears to the total eligible  compensation of all participants for the plan
              year. During  2006,  2005,  and 2004,  nonvested  amounts from
              participants  matching or discretionary  Company  contributions that were forfeited totaled
              $111,576,  $110,667,  and  $96,931,  respectively,  which were  allocated  to the  remaining
              participants accounts.
| |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(f)  Vesting

| |  | Participants are immediately vested in their pretax employee  contributions,  their after-tax employee
              contributions,  rollover  contributions,  and merged  plan  accounts  plus  actual  earnings
              thereon.  Vesting in the employer matching and employer discretionary  contribution accounts
              is based on years of  service as  follows:  less than 2 years - 0%; 2 years - 20%; 3 years -
              40%; 4 years - 60%; 5 years - 80%; and 6 years or more - 100%.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(g)  Investment Options

| |  | A  participant  may  direct  pretax  or  after-tax  employee
              contributions in any of eleven  investment  options.  Participants may change their deferral
              percentage  and  their  investment  choices  at any  time.  Participant-directed  investment
              options as of December 31, 2006, 2005, and 2004 are listed below:
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

MAF Bancorp, Inc. Common Stock

| |  | It is expected  that all  purchases  of MAF Bancorp  common  stock will be made at  prevailing  market
              prices.  Participant  accounts are adjusted to reflect  changes in the value of MAF Bancorp,
              Inc. shares resulting from dividends,  stock splits, and similar changes.  Dividends paid on
              shares of MAF Bancorp,  Inc. purchased through the Plan are reinvested in MAF Bancorp,  Inc.
              common  stock  or  at  the  election  of  the  participant,  distributed  directly  to  such
              participant in cash.
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Mutual Funds

| |  | These mutual funds are in both participant and nonparticipant directed funds.
| |  | -----------------------------------------------------------------------------

| |  | American
Funds Washington Mutual Investor A Fund  This  large cap value fund  seeks to  provide  income  and an  opportunity  for  growth of  principal,
consistent  with sound  common  stock  investments.  This fund also looks for  companies  that have paid a
dividend in nine out of the last  10 years.  No alcohol or tobacco  related  stocks are  permissible.  The
fund  invests in large,  blue-chip  companies  believed  to be  undervalued.  The  fundamental  investment
approach is guided  through  internal  research  and  analysis  based on  extensive  fieldwork  and direct
company contact.  The fund utilizes a multiple portfolio  management system. The fund is divided into nine
portions, with eight
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

5

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

| |  | portions  managed  by  different  portfolio  managers  and  the  ninth  portion  managed  by a team of
analysts. Each manager has the freedom to make investment decisions on their portion.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | American Funds Growth Fund of America R3 Fund  This  fund seeks  capital  growth by  investing  in common  stocks of  companies  with high  potential
growth.  The fund may also  invest up to 15% of assets in  securities  of issuers  domiciled  outside  the
United  States of America and Canada that are not included in Standard & Poors 500  Composite  Index.  It
may invest up to 10% of assets in lower quality nonconvertible debt securities
| |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Royce
Total Return Fund  This  small cap value fund seeks  long-term  growth of capital and current  income.  The fund normally
invests at least 65% of assets in common stocks,  90% of which are dividend paying.  It generally  invests
at least 65% of assets in securities of companies with market  capitalizations  of less than $2 billion at
the time of investment.
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Oakmark
International Fund I This  foreign large cap value fund seeks long-term  capital  appreciation  with investments in foreign
securities  that total at least 65% of their  assets.  As  determined by the fund,  these  securities  are
undervalued  relative to their underlying  economic value.  Long-term value is assigned to the fund on the
basis of the companys ability to generate cash flow.  Degree of pricing power,  market share, and quality
of management  provide other  parameters of value.  The fund may invest up to 10% of assets in low-quality
debt..
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | First
American REIT Securities Fund  This  specialty real estate fund seeks current income and long-term  capital growth.  The fund invests
at least 80% of assets in income-producing equity securities of companies in the real estate  industry,
primarily real-estate investment trusts (REITs). A majority of the funds assets are invested in REITs.
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | PIMCO
Real Return Fund ADM This  inflation-indexed  bond fund seeks to realize  maximum
real return  consistent with  preservation of real capital.  It normally invests at least 65% of assets in
inflation-indexed  bonds issued by the U.S. and  foreign  governments.  The fund may hold bonds rated A or
better and may invest up to 35% of assets in other  fixed-income  securities,  including debt  denominated
in foreign  currencies.  It is expected that the funds average  duration will vary  approximately  within
the  range  of  the  average  modified  real  duration  of  all  inflation-indexed  bonds  issued  by  the
U.S. Treasury.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | American
Funds Europacific Growth Fund This  mutual  fund  seeks to  provide  long-term  growth  of
capital by investing in equity  investments of companies  based outside the United States of America.  The
fund will  typically  invest at least 80% of its assets in securities  of companies  located in Europe and
the Pacific  Basin.  The fund invests in  companies  believed to be  attractively  valued  companies  that
represent good long-term investment  opportunities.  This fund is subject to risk including:  market risk,
growth  investing  risk,  foreign  investment  risk, and emerging  market risk.  The maximum  allowance to
emerging markets is 20%.
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Vanguard 500 Admiral Index Fund  This fund employs an indexing investment approach designed
to  track  the  performance  of the  Standard  &  Poors  500  Index  dominated  by the  stocks  of  large
U.S. companies. The fund attempts to replicate the index by investing all, or substantially all, of its
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

6

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

| |  | assets in the stocks that make up the index,  holding each stock in approximately  the same proportion
as its weighting within the index.
| |  | -----------------------------------------------------------------------------------------------------------------------------------------

| |  | Hartford
Mutual Small Cap Growth Fund- This mutual fund seeks to maximize short- and long-term capital appreciation. The fund normally
invests at least 80% of assets in common stocks of small capitalization companies that are believed to
have superior  growth  potential.  Small  capitalization  companies are defined for this fund as companies
with  market  capitalizations  within  the  collective  range of the  Russell  2000 and S&P  Small Cap 600
Indices.  The fund may invest up to 20% of total assets in  securities  of foreign  issuers and  nondollar
securities.
| |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | HSBC
Bank USA, N.A. Stable Return FundThis fund seeks current income and  preservation of principal by investing in a diversified  portfolio
of guaranteed investment contracts issued by insurance companies and similar fixed income investments.
| |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Collective Trust Fund

| |  | ABN-AMRO
Income Plus Fund This  fund seeks to preserve  principal,  maximize  income,  and  provide a high degree of  liquidity,
without  sacrificing  credit  quality,  by investing  in  competitive  fixed  income  returns in different
interest  environments.  The fund invests in a diversified  portfolio  consisting primarily of alternative
investment  contracts,  guaranteed  investment  contracts,  and money market instruments.  This fund is in
both participant and nonparticipant directed funds.
| |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Non-Participant Directed Funds

| |  | The following mutual funds are solely nonparticipant directed funds:
| |  | --------------------------------------------------------------------

| |  | PIMCO
Commodity Real Return Fund This fund combines a commodities  position,  typically  through swap  agreements,  with a portfolio of
inflation-indexed  bonds and other fixed-income  securities.  The investment  selection process is focused
on  identifying  trends that will affect the global  economy and interest  rates over a three to five year
period  and  identifying  specific  inflation-indexed  and  fixed-income  securities  that  will add value
without incurring unacceptable levels of risk..
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Evergreen
Select High Yield Bond Fund  This  fund seeks to provide a diversified  portfolio of high yield  securities  with a minimum  credit
rating  of single B,  with a focus on  companies  benefiting  from a  favorable  industry  environment  or
positive  internal changes.  The fund will not invest in securities rated CCC or below,  emerging debt, or
derivatives.
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | Oppenheimer
Developing Markets  This fund seeks long-term  capital  appreciation.  The fund normally  invests at least 65% in at least
three  developing  markets in equity  securities of issuers whose  principal  activities are in developing
markets.  It can  invest  up to 100% of its  assets  in  foreign  securities.  It will  usually  emphasize
investments in growth companies, which can be in any market capitalization range.
| |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| |  | American
Century International Bond Fund  This  fund  normally  invests  at  least  65% of  assets  in
government  bonds  rated  AAA or of  comparable  quality.  It buys  high  quality,  nondollar  denominated
government and corporate debt securities outside of the U.S.
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

7

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

| |  | ABN-AMRO/Montag
& Caldwell Growth N Fund  This  large cap growth fund seeks  long-term  capital  appreciation;  income is secondary.  It invests
primarily in common stocks and convertible  securities.  The advisor selects equities that it believes are
undervalued  based on the issuers  estimated  earnings  potential and ability to produce strong  earnings
growth over the next 12 to 18 months.  These issuers may include  established  companies with histories of
growth as well as companies that the advisor  expects are entering  periods of earnings  growth.  The fund
may also  invest in  convertible  and  nonconvertible  debt.  It may invest up to 30% of assets in foreign
securities in the form of ADRs.
| |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(h)  Partcipant Loans

| |  | The  Plan  does not allow  participant  loans.  However,  at
              December 31, 2006 the Plan has  participant  loans of $22,683 that were  outstanding  at the
              time the Elgin Financial Center, SB 401(k)  Employee Benefit Plan was merged with the Plan.
              In  addition,  Mid Town Bank Savings and Profit  Sharing  Plan had three loans  outstanding,
              which were  transferred  into the Plan as of  September 20,  2002.  Two of these  loans were
              repaid during 2004 and the final loan was repaid during 2005.
| |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(i)  Payment of Benefits

| |  | On  termination of service,  participants may elect to either leave their account balances in the Plan
              until age 701⁄2 if the  balance  exceeds  $1,000,  or receive a lump-sum  amount  equal to the
              value of their vested account. Benefits are recorded when paid.
| |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(2)    
Summary of Significant Accounting Policies

(a)  Basis of Presentation

| |  | The accompanying financial statements have been prepared using the accrual basis of accounting.
| |  | -----------------------------------------------------------------------------------------------

(b)  Use of Estimates

| |  | The  preparation of financial  statements in conformity with
              U.S.  generally accepted  accounting  principles  requires the Plans  administrator to make
              estimates and  assumptions  that affect the reported  amounts of assets and  liabilities and
              disclosure of contingent assets and liabilities at the date of the financial  statements and
              the reported  amounts of revenues and expenses during the reporting  period.  Actual results
              could differ from those estimates.
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(c)  Investments

| |  | Investments  in mutual  funds,  collective  trust  funds and common  stock are stated at fair value as
              determined by reference to quoted market prices.  Participant loans receivable are stated at
              face value plus accrued  interest,  which  approximates  fair value.  Purchases and sales of
              investments  are  recorded on a  trade-date  basis.  Realized  gains and losses on sales are
              computed using the specific  identification method for the individual asset. Dividend income
              is recorded on the ex-dividend date. Interest income is recorded on the accrual basis.
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

8

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

| |  | The  change  in the  difference  between  fair  value  and the cost of  investments  for each  year is
reflected  in the  statement  of  changes  in  net  assets  available  for  plan  benefits  as  unrealized
appreciation or depreciation in fair value of investments
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(3)    
Income Taxes

| |  | The  Internal  Revenue  Service has  determined and informed
       the  Company by a letter  dated  July 18,  2002 that the Plan and  related  trust are  designed  in
       accordance  with  applicable  sections of the Internal  Revenue  Code (IRC).  Although the Plan has
       been amended since receiving the determination  letter,  the plan  administrator  believes that the
       Plan is designed and is currently  being operated in compliance  with the  applicable  requirements
       of the IRC.
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(4)    
Administrative Expenses

| |  | The Company generally pays the administrative expenses of the Plan.
| |  | -------------------------------------------------------------------

(5)    
Plan Termination

| |  | Although  it has not  expressed  any  intent  to do so,  the  Company  has the  right  under  the plan
       agreement to  discontinue  its  contributions  at any time and to terminate the Plan subject to the
       provisions  of ERISA.  In the event of plan  termination,  participants  will become 100% vested in
       their accounts.
| |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(6)    
Transactions with Parties-in-Interest

| |  | The following table summarizes balances in the Plan related to transactions with parties-in-interest:
| |  | -----------------------------------------------------------------------------------------------------

|                               | At or for the
Year Ended December 31, | 
|------------------------------ | ------------------------------------- | 
|
|MAF Bancorp, Inc. common stock |                                       | 
|Collective trust fund*         |                                       | 
|Interest income                |                                       | 
|Dividend income                |                                       | 
|Contributions to the Plan      |                                       | 
|                               |                                       | 

| | *Collective  trust fund is comprised  of the ABN-AMRO  Income
              Plus Fund as of December 31,  2005 and 2004.  ABN-AMRO was the Plan Trustee  throughout 2004
              and until October 16, 2005.
| | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

(7)    
Investments

| |  | As  of  December 31,  2006  and  2005,  the  Plan  held  the
       following investments, which comprised 5% or more of the Plans net assets, at fair value:
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------

|                                                 | December 31, | 
|------------------------------------------------ | ------------ | 
|
|MAF Bancorp, Inc. common stock                   |              | 
|ABN-AMRO Income Plus Fund                        |              | 
|Mutual Funds:                                    |              | 
|ABN-AMRO/ Montag & Caldwell Growth N Fund        |              | 
|American Funds Growth Fund of America R3         |              | 
|American Funds Washington Mutual Investor A Fund |              | 
|PIMCO Real Return Fund ADM                       |              | 
|                                                 |              | 

| | *Balance is less than 5%.
| | -------------------------

(8)    
Risks and Uncertainties

| |  | Plan  investments are exposed to various risks such as interest rate,  market,  and credit risks.  Due
       to the level of risk associated with certain  investments,  it is at least reasonably possible that
       changes  in the  values of  investments  will  occur in the near term and that such  changes  could
       materially  affect  participants  account  balances and the amounts  reported in the statements of
       net assets available for plan benefits.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

(9)    
Subsequent Event

| |  | On  May 1, 2007,  the Company  announced that it had entered
       into a  definitive  agreement  with  National  City  Corporation  pursuant to which  National  City
       Corporation  will  acquire MAF  Bancorp,  Inc in an all-stock merger transaction. As of the date of this filing,  the  transaction  is
       pending regulatory and shareholder approval and a closing date has not yet been determined. Upon consummation of the
transaction, all MAF stock will be converted into the right to receive shares of National City Corporation common stock.
| |  | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

10

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

(10)    
Non-Participant Directed Investments

| |  | Information  about the net  assets  and the  changes in net  assets  relating  to the  non-participant
       directed  investments  is  shown  below.  The  non-participant  directed  investments  are selected by the Plan Administrative Committee.
| |  | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|                                                 | December 31, | 
|------------------------------------------------ | ------------ | 
|
|Assets:                                          |              | 
|Investments, at fair value:                      |              | 
|Mutual Funds:                                    |              | 
|Oppenheimer Developing Markets                   |              | 
|PIMCO Real Return Fund ADM                       |              | 
|First American REIT Securities Fund              |              | 
|Evergreen Select High Yield Bond Fund            |              | 
|American Funds Washington Mutual Investor Fund A |              | 
|Royce Total Return Fund                          |              | 
|PIMCO Commodity Real Return Strategy             |              | 
|Oakmark International Fund I                     |              | 
|ABN-AMRO / Montag & Caldwell Growth N            |              | 
|American Century Intl. Bond Fund - Inv           |              | 
|American Funds Europacific Growth                |              | 
|Hartford Mutual Small Cap Growth                 |              | 
|Vanguard 500 Admiral Index Fund                  |              | 
|ABN-AMRO Income Plus Fund                        |              | 
|                                                 |              | 
|                                                 |              | 
|Employer contribution receivable                 |              | 
|                                                 |              | 
|                                                 |              | 
|Liabilities                                      |              | 
|                                                 |              | 
|                                                 |              | 
|                                                 |              | 

(Continued)

11

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MID AMERICA BANK, fsbEMPLOYEES PROFIT SHARING PLANNotes to Financial Statements
December 31, 2006, 2005, and 2004

|                                                         | Year Ended December 31, |  |  
|-------------------------------------------------------- | ----------------------- |  | -
|
|Non-Participant Directed Investments, continued          |                         |  |  
|                                                         |                         | 
|Additions to net assets attributed to:                   |                         | 
|Interest income                                          |                         |  | $
|Dividend income                                          |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|Gain (loss) on sale of investments:                      |                         | 
|Mutual funds                                             |                         |  |  
|Collective trust funds                                   |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|Unrealized appreciation (depreciation) in  fair value of |                         | 
|investments:                                             |                         | 
|Mutual funds                                             |                         |  |  
|Collective trust funds                                   |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|Contributions:                                           |                         | 
|Employer                                                 |                         |  |  
|Employee                                                 |                         |  |  
|Forfeitures                                              |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|Total additions to net assets                            |                         |  |  
|                                                         |                         |  |  
|Deductions from net assets attributed to:                |                         | 
|Benefits paid to participants                            |                         |  |  
|Administrative expenses                                  |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|                                                         |                         |  |  
|Increase (decrease) in net assets                        |                         | 
|available for plan benefits                              |                         |  | $
|                                                         |                         |  |  
|Net assets available for plan benefits:                  |                         | 
|Beginning of year                                        |                         |  |  
|                                                         |                         |  |  
|End of year                                              |                         |  | $
|                                                         |                         |  |  

| | (1)During  the year  ended  December 31,  2006,  the  employer  contribution  of  $2,680,000  included
              participant  directed matching funds of $713,328 and for the year ended  December 31,  2005,
              the employer  contribution of $2,880,000  included  participant  directed  matching funds of
              $684,239.
| | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12

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Schedule 1

# MID AMERICA BANK, fsbEMPLOYEES PROFIT
SHARING PLAN

Schedule
H, Line 4i  Schedule of Assets (Held at End of Year) December 31, 2006

|Identity of Issue                     | Number
Of Shares
or Units | Maturity
Date | Interest
Rate | Cost      | Current
Value
|------------------------------------- | ------------------------- | ------------- | ------------- | --------- | -------------
|Mutual Funds:                         |                           |               |               |           |              
|Participant Directed:                 |                           |              
|American Funds Growth Fund R3         |                           |               |               | 338,002   |              
|                                      |                           |               |               |           |              
|Oakmark Internations Fund I           |                           |               |               | 152,934   |              
|American Funds Europacific            |                           |              
|Growth Fund                           |                           |               |               | 52,822    |              
|First American REIT Securities Fund   |                           |               |               | 103,430   |              
|Hartford Mutual Small Cap Growth Fund |                           |               |               | 75,748    |              
|Royce Total Return Fund               |                           |               |               | 162,811   |              
|PIMCO Real Return Fund ADM            |                           |               |               | 278,150   |              
|American Funds Washington Mutual      |                           |              
|Investor A Fund                       |                           |               |               | 175,063   |              
|Vanguard 500 Admiral Index Fund       |                           |               |               | 8,636     |              
|HSBC Stable Return Fund               |                           |               |               | 2,923     |              
|                                      |                           |              
|                                      |                           |              
|Non-Participant Directed Funds:       |                           |              
|Oppenheimer Developing Markets Fund   |                           |               |               | 42,489    |              
|PIMCO Real Return Fund ADM            |                           |               |               | 164,220   |              
|PIMCO Commodity Real Return Fund      |                           |               |               | 68,427    |              
|First American REIT Securities Fund   |                           |               |               | 57,254    |              
|American Funds Europacific            |                           |              
|Growth Fund                           |                           |               |               | 22,223    |              
|Evergreen Select High Yield Bond Fund |                           |               |               | 155,441   |              
|Hartford Mutual Small Cap Growth Fund |                           |               |               | 53,021    |              
|American Funds Washington Mutual      |                           |              
|Investor A Fund                       |                           |               |               | 22,693    |              
|Royce Total Return Fund               |                           |               |               | 80,352    |              
|Oakmark International Fund I          |                           |               |               | 40,636    |              
|ABN-AMRO / Montag & Caldwell          |                           |              
|Growth N Fund                         |                           |               |               | 31,089    |              
|Vanguard 500 Admiral Index Fund       |                           |               |               | 6,060     |              
|American Century Intl Bond Fund - Inv |                           |               |               | 69,421    |              
|                                      |                           |               |               |           |              
|Total Mutual Funds                    |                           |               |               |           |              
|                                      |                           |               |               |           |              
|                                      |                           |              
|Collective Trust Funds:               |                           |              
|Participant Directed:                 |                           |              
|ABN-AMRO Income Plus Fund             |                           |               |               | 2,389,821 |              
|                                      |                           |              
|                                      |                           |              
|Non-Participant Directed Funds:       |                           |              
|ABN-AMRO Income Plus Fund             |                           |               |               | 154,666   |              
|                                      |                           |               |               |           |              
|Total Collective Trust Funds          |                           |               |               |           |              
|                                      |                           |               |               |           |              
|Common stock:                         |                           |              
|MAF Bancorp, Inc.*                    |                           |               |               | 572,410   |              
|                                      |                           |               |               |           |              
|                                      |                           |               |               |           |              
|Participant loans receivable          |                           |               |               | N/A       |              
|                                      |                           |               |               |           |              

---

N/A
 Not applicable.

*Asterisk
denotes an investment in an entity which is a party-in-interest as defined by
ERISA.

See accompanying report of
independent registered public accounting firm.

13

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Schedule 2

# MID AMERICA BANK, fsbEMPLOYEES PROFIT
SHARING PLAN

Schedule H, Line 4j
 Schedule of Reportable Transactions

Year Ended
December 31, 2006

The
following schedule identifies all transactions or series of transactions that have
exceeded 5% of the fair value of plan assets as of the beginning of the plan year.

|Identity of Issue        | Description | Purchase
Price | Selling
Price         | Cost | Market Value
at date of
Transaction | RealizedGain
|------------------------ | ----------- | -------------- | --------------------- | ---- | ----------------------------------- | ------------
|                         |             |                |                       |      |                                     |             
|MAF Bancorp, Inc.        |             |                | Common Stock          |      |                                     | $           
|ABN AMRO Income          |             |               
|Plus Fund                |             |                | Collective Trust Fund |      |                                     |             
|American Funds Growth    |             |               
|Funds of America         |             |                | Mutual Fund           |      |                                     |             
|MAF Bancorp, Inc.        |             |                | Common Stock          |      |                                     |             
|ABN AMRO Income          |             |               
|Plus Fund                |             |                | Collective Trust Fund |      |                                     |             
|ABN AMRO Montag          |             |               
|and Caldwell Growth Fund |             |                | Mutual Fund           |      |                                     |             

See accompanying report of
independent registered public accounting firm.

14

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