Exhibit 12.1

LNB Bancorp, Inc.

	For the nine months ended
	September 30,				For the Years Ended December 31,
(Dollars in thousands)	2008		2007		2007		2006		2005		2004		2003
Earnings: (1)
Income before income tax expense	$	2,065	$	4,903	$	7,163	$	7,093	$	8,892	$	10,526	$	11,126
Fixed charges		20,054		21,050		29,092		20,635		13,402		9,102		9,196
Total earnings (a)	$	22,119	$	25,953	$	36,255	$	27,728	$	22,294	$	19,628	$	20,322
Fixed charges (1):
Interest on deposits	$	17,041	$	18,436	$	25,535	$	18,145	$	10,913	$	6,814	$	7,261
Interest on borrowings		3,013		2,614		3,557		2,490		2,489		2,288		1,935
Interest portion of rental expense		—		—		—		—		—		—		—
Capitalized interest		—		—		—		—		—		—		—
Total fixed charges (b)	$	20,054	$	21,050	$	29,092	$	20,635	$	13,402	$	9,102	$	9,196
Ratio of earnings to fixed charges (a/b)		1.10		1.23		1.25		1.34		1.66		2.16		2.21
Earnings, excluding interest on deposits:
Total earnings	$	22,119	$	25,953	$	36,255	$	27,728	$	22,294	$	19,628	$	20,322
Less interest on deposits		17,041		18,436		25,535		18,145		10,913		6,814		7,261
Total earnings excluding interest on deposits (c)	$	5,078	$	7,517	$	10,720	$	9,583	$	11,381	$	12,814	$	13,061
Fixed charges, excluding interest on deposits:
Total fixed charges	$	20,054	$	21,050	$	29,092	$	20,635	$	13,402	$	9,102	$	9,196
Less interest on deposits		17,041		18,436		25,535		18,145		10,913		6,814		7,261
Total fixed charges, excluding interest on deposits (d)	$	3,013	$	2,614	$	3,557	$	2,490	$	2,489	$	2,288	$	1,935
Ratio of earnings to fixed charges, excluding interest on deposits (c/d) (2)		1.69		2.88		3.01		3.85		4.57		5.60		6.75

(1)	As defined in Item 503(d) of Regulation S-K.
(2)	The ratio of earnings to fixed charges, excluding interest on deposits, is being provided as an additional measure to provide comparability to the ratios disclosed by all other issuers of debt securities.