Umpqua Reports Second Quarter 2015 Results

Operating earnings1 of $68.7 million, or $0.31 per share

Improvement in operating results driven by growth in top-line revenue

Strong loan and lease (gross of sales) growth of $477 million, or 12.3% annualized

Umpqua Holdings Corporation (NASDAQ:UMPQ) (the “Company”) reported net earnings available to common shareholders of $54.7 million for the second quarter of 2015, an increase compared to $47.0 million for the first quarter of 2015 and $17.5 million for the second quarter of 2014. Earnings per diluted common share were $0.25 for the second quarter of 2015, as compared to $0.21 for the first quarter of 2015 and $0.09 for the second quarter of 2014.

Operating earnings1, which represent earnings available to common shareholders before gains or losses on junior subordinated debentures carried at fair value, net of tax, and merger related expenses, net of tax, were $68.7 million for the second quarter of 2015, an increase compared to $56.4 million for the first quarter of 2015 and $54.2 million for the second quarter of 2014. Operating earnings per diluted common share were $0.31 for the second quarter of 2015, as compared to $0.26 for the first quarter of 2015 and $0.27 for the second quarter of 2014.

“Our second quarter results demonstrated the strength of Umpqua’s value proposition, of competing with more than price, and the successes we have experienced with the integration of Sterling,” said Ray Davis, President and CEO of Umpqua Holdings Corporation. “This is evident by our double-digit annualized loan growth, increased top-line revenue, and further synergy realization, which contributed to a decrease in our core operating expense run-rate. Looking forward, we anticipate realizing the remaining expense synergies over the next several months.”

Highlights (as compared to the prior quarter):

Second quarter of 2015 operating earnings1 increased to $68.7 million:
- Net interest income increased by $2.2 million, driven primarily by strong loan growth;
- Provision for loan and lease losses decreased by $1.4 million, driven primarily by lower net charge-offs and partially offset by higher provisions related to strong loan growth;
- Non-interest income increased by $16.8 million, driven primarily by higher mortgage banking revenue;
- Non-interest expense (excluding merger-related expense) increased by $1.1 million, reflecting a $4.9 million increase in variable mortgage banking expenses related to higher mortgage volumes and $1.5 million in severance-related costs. These increases were partially offset by additional merger-related cost synergies realized during the quarter;

Strong loan growth, seasonal decline in deposits:
- Loans and leases (gross of sales) grew by $476.9 million, or 12.3% annualized, partially offset by loan sales of $51.7 million, for net growth of $425.2 million, or 10.9% annualized;
- Deposits decreased by $77.5 million, primarily due to seasonal outflows related to tax payments;

Prudently managed capital:
- Tangible book value per common share1 increased to $8.92, from $8.88;
- Under Basel III rules, estimated total risk-based capital ratio of 14.4% and estimated Tier 1 common to risk weighted assets ratio of 11.0%;
- Declared a dividend of $0.15 per common share; and
- Repurchased 360,000 shares of common stock, for a total of $6.4 million.

For the six months ended June 30, 2015, the Company reported net earnings available to common shareholders of $101.7 million, or $0.46 per diluted common share, as compared to $36.0 million, or $0.23 per diluted common share, for the six months ended June 30, 2014. For the six months ended June 30, 2015, operating earnings1 were $125.1 million, or $0.57 per diluted common share, as compared to $78.1 million, or $0.50 per diluted common share, for the six months ended June 30, 2014.

1 "Non-GAAP" financial measure. More information regarding this measurement and a reconciliation to the comparable GAAP measurement is provided under the heading Non-GAAP Financial Measures below.

Balance Sheet

Total consolidated assets were $22.8 billion as of June 30, 2015, compared to $23.0 billion as of March 31, 2015 and $22.0 billion as of June 30, 2014. Including secured off-balance sheet lines of credit, the Company had total available liquidity of $7.2 billion as of June 30, 2015, representing 32% of total assets and 42% of total deposits.

Gross loans and leases were $16.0 billion as of June 30, 2015, an increase of $425.2 million, or 10.9% annualized, from $15.5 billion as of March 31, 2015. During the second quarter of 2015, the Company sold $51.7 million of portfolio residential mortgage loans. Excluding the impact of these sales, gross loan growth was $476.9 million, or 12.3% annualized.

Total deposits were $17.1 billion as of June 30, 2015, a decrease of $77.5 million from $17.2 billion as of March 31, 2015. This decrease was primarily attributable to seasonal deposit outflows related to tax payments.

Net Interest Income

Net interest income was $218.1 million for the second quarter of 2015, up $2.2 million from the prior quarter and up $5.9 million from the same period in the prior year. The increase from the prior quarter was primarily driven by strong loan growth and one additional day in the quarter, partially offset by a 3 basis point decline in net interest margin. Net interest income for the second quarter of 2015 included $16.1 million in interest income arising from the accretion of the credit discount recorded on loans acquired from Sterling, as compared to $15.2 million in the prior quarter.

The Company’s net interest margin was 4.50% for the second quarter of 2015, down from 4.53% for the first quarter of 2015 and from 5.01% for the second quarter of 2014. The decrease from the prior quarter was primarily driven by a lower average yield on interest earning assets.

Credit Quality

Under purchase accounting rules, loans (including those considered non-performing) acquired from Sterling were recorded at their estimated fair value, and the related allowance for loan losses was eliminated. As a result, the Company wrote down the value of the loan and lease portfolio acquired from Sterling as of the acquisition date. The credit portion of the fair value mark is not reflected in the reported allowance for loan losses, or its related allowance coverage ratios, but should be considered when comparing the current quarter ratios to similar ratios in periods prior to the acquisition of Sterling.

Loans acquired with significant deteriorated credit quality are accounted for as purchased credit impaired pools. Accordingly, loans included in the purchased credit impaired pools are not reported as non-performing loans based upon their individual performance status.

During the second quarter of 2015, the Company reported $16.1 million of accretion from the Sterling credit discount in interest income. As of June 30, 2015, the purchased non-credit impaired loans had approximately $94.4 million of remaining credit discount that will accrete into interest income over the life of the loans, and the purchased credit impaired loan pools had approximately $57.8 million of remaining total discount.

The allowance for loan and lease losses was $127.1 million, or 0.80% of loans and leases, as of June 30, 2015. To provide better comparability to prior periods, this pro-forma ratio would have been approximately 1.7% after grossing up the allowance for loan and lease losses and the loans and leases by the amount of the credit mark remaining as of quarter-end. This compares to a pro-forma ratio of approximately 1.8% as of March 31, 2015.

The provision for loan and lease losses was $11.3 million for the second quarter of 2015, a decrease of $1.4 million from the prior quarter. This decrease was primarily driven by a lower level of net charge-offs, partially offset by an increase in provisions related to new loan growth, which was significantly stronger than the prior quarter. Charge-offs, net of recoveries, decreased to $4.3 million for the second quarter of 2015, as compared to $8.7 million in the prior quarter.

Non-performing assets decreased to $70.1 million, or 0.31% of total assets, as of June 30, 2015, as compared to $82.7 million, or 0.36% of total assets, as of March 31, 2015. Loans past due 31 to 89 days were $25.6 million, or 0.16% of loans and leases, as of June 30, 2015, as compared to $20.5 million, or 0.13% of loans and leases, as of March 31, 2015. Restructured loans on accrual status were $37.0 million as of June 30, 2015, as compared to $60.9 million as of March 31, 2015.

Non-interest Income

Total non-interest income was $80.4 million for the second quarter of 2015, up $16.8 million from the prior quarter and $34.9 million from the same period in the prior year. The increase from the prior quarter was primarily driven by higher mortgage banking revenue.

Residential mortgage banking revenue, which includes revenue from the origination and sale of residential mortgage loans, revenue from the servicing of residential mortgage loans and changes to the fair value of the residential mortgage servicing rights (“MSR”) asset, increased by $11.8 million from the prior quarter. Revenue from the origination and sale of residential mortgages increased by $2.2 million from the prior quarter, driven by an increase in mortgage originations, and partially offset by a decrease in gain on sale margin. The change in fair value related to the MSR was a loss of $0.4 million for the second quarter of 2015, as compared to a loss of $9.7 million for the prior quarter, reflecting the linked quarter increase in interest rates.

The Company’s gain on sale margin was 3.38% for the second quarter of 2015, down from 3.65% in the prior quarter. This decrease was driven by a larger mix of purchase mortgage production, which traditionally carries a lower gain on sale margin than refinance mortgage production. Of the current quarter’s mortgage production, 59% related to purchase activity, as compared to 45% for the prior quarter and 74% for the same period in the prior year.

As of June 30, 2015, the Company serviced $12.3 billion of residential mortgage loans for others, and its related MSR asset was valued at $127.2 million, or 1.03% of the total serviced portfolio principal balance. This compares to $11.9 billion of residential mortgage loans serviced for others as of March 31, 2015, with a related MSR asset of $116.4 million, or 0.98% of the total serviced portfolio principal balance. As of June 30, 2014, the Company serviced $10.8 billion of residential mortgage loans for others, and its related MSR asset was valued at $114.2 million, or 1.05% of the total serviced portfolio principal balance.

Non-interest Expense

Non-interest expense was $201.9 million for the second quarter of 2015, which included $21.8 million of merger-related expenses. This compares to $193.1 million, including $14.1 million of merger-related expenses, for the first quarter of 2015 and $214.1 million, including $57.5 million of merger-related expenses, for the second quarter of 2014.

Excluding merger-related expenses, non-interest expense increased by $1.1 million from the prior quarter. This increase was primarily driven by a $4.9 million increase in variable mortgage banking expenses, driven by higher mortgage volume, and a $1.5 million expense related to severance costs. These were partially offset by an increase in merger cost synergies and a lower loss on other real estate owned property.

The second quarter of 2015 non-interest expense run-rate does not reflect the full benefit of the anticipated Sterling merger cost synergies. The Company remains on track with the integration of Sterling, with cost synergies progressing towards the previously announced target of $87 million (annualized), which is expected to be realized over the next several months.

Income taxes

The Company recorded a provision for income taxes of $30.6 million for the second quarter of 2015, representing an effective tax rate of 35.8% for the quarter, as compared to $26.6 million, with an effective tax rate of 36.1%, for the first quarter of 2015.

Capital

As of June 30, 2015, the Company’s tangible book value per common share1 was $8.92 and its ratio of tangible common equity to tangible assets1 was 9.38%, as compared to $8.88 and 9.28%, respectively, in the prior quarter.

During the second quarter of 2015, the Company repurchased 360,000 shares of common stock, for a total of $6.4 million. The Company may repurchase up to 11.7 million of additional shares under the current stock repurchase plan, which was recently extended to July 31, 2017 by the Company's Board of Directors.

Based on Basel III rules, as of June 30, 2015, the Company’s estimated total risk-based capital ratio was 14.4% and its estimated Tier 1 common to risk weighted assets ratio was 11.0%, as compared to 14.6% and 11.1%, respectively, as of March 31, 2015. The Company remains well above current “well-capitalized” regulatory minimums. The regulatory capital ratios as of June 30, 2015 are estimates, pending completion and filing of the Company’s regulatory reports.

Non-GAAP Financial Measures

In addition to results presented in accordance with generally accepted accounting principles in the United States of America (GAAP), this press release contains certain non-GAAP financial measures. The Company believes that certain non-GAAP financial measures provide investors with information useful in understanding the Company’s financial performance; however, readers of this document are urged to review these non-GAAP financial measures in conjunction with the GAAP results as reported.

The Company recognizes gains or losses on its junior subordinated debentures carried at fair value resulting from changes in interest rates and the estimated market credit risk adjusted spread that do not directly correlate with the Company’s operating performance. Also, the Company incurs significant expenses related to the completion and integration of mergers and acquisitions. Additionally, it may recognize goodwill impairment losses that have no direct effect on the Company’s or the Bank’s cash balances, liquidity, or regulatory capital ratios. Lastly, the Company may recognize one-time bargain purchase gains on certain acquisitions that are not reflective of the Company’s on-going earnings power. Accordingly, management believes that our operating results are best measured on a comparative basis excluding the impact of gains or losses on junior subordinated debentures measured at fair value, net of tax, merger-related expenses, net of tax, and other charges related to business combinations such as goodwill impairment charges or bargain purchase gains, net of tax. The Company defines operating earnings as earnings available to common shareholders before gains or losses on junior subordinated debentures carried at fair value, net of tax, bargain purchase gains on acquisitions, net of tax, merger related expenses, net of tax, and goodwill impairment, and we calculate operating earnings per diluted share by dividing operating earnings by the same diluted share total used in determining diluted earnings per common share.

The following table provides the reconciliation of earnings available to common shareholders (GAAP) to operating earnings (non-GAAP), and earnings per diluted common share (GAAP) to operating earnings per diluted share (non-GAAP) for the periods presented:

Quarter Ended % Change (In thousands, except per share data)

Jun 30,2015

Mar 31,2015

Dec 31,2014

Sep 30,2014

Jun 30,2014

Seq. Quarter

YearoverYear

Net earnings available to common shareholders $ 54,691 $ 47,045 $ 52,436 $ 58,741 $ 17,459 16 % 213

Adjustments: Net loss on junior subordinated debentures carried at fair value, net of tax (1) 943 933 953 955 821 1 % 15

Merger related expenses, net of tax (1) 13,078 8,449 6,038 5,274 35,926 55 % (64 )% Operating earnings $ 68,712 $ 56,427 $ 59,427 $ 64,970 $ 54,206 22 % 27

Earnings per diluted share:

Earnings available to common shareholders $ 0.25 $ 0.21 $ 0.24 $ 0.27 $ 0.09 19 % 178

Operating earnings $ 0.31 $ 0.26 $ 0.27 $ 0.30 $ 0.27 19 % 15

Six Months Ended % Change

Jun 30,2015

Jun 30,2014

YearoverYear

Net earnings available to common shareholders $ 101,736 $ 35,997 183 % Adjustments: Net loss on junior subordinated debentures carried at fair value, net of tax (1) 1,876 1,147 64 % Merger related expenses, net of tax (1) 21,527 40,999 nm Operating earnings $ 125,139 $ 78,143 60 %

Earnings per diluted share:

Earnings available to common shareholders $ 0.46 $ 0.23 100 % Operating earnings $ 0.57 $ 0.50 14 % (1) Income tax effect of pro forma operating earnings adjustments at 40% for tax-deductible items. nm = not meaningful.

Management believes tangible common equity and the tangible common equity ratio are meaningful measures of capital adequacy because they provide a meaningful base for period-to-period and company-to-company comparisons, which management believes will assist investors in assessing the capital of the Company and the ability to absorb potential losses. Tangible common equity is calculated as total shareholders' equity less goodwill and other intangible assets, net (excluding MSRs). Tangible assets are total assets less goodwill and other intangible assets, net (excluding MSRs). The tangible common equity ratio is calculated as tangible common shareholders’ equity divided by tangible assets.

The following table provides reconciliations of ending shareholders’ equity (GAAP) to ending tangible common equity (non-GAAP), and ending assets (GAAP) to ending tangible assets (non-GAAP).

(In thousands, except per share data) Jun 30, 2015 Mar 31, 2015 Dec 31, 2014 Sep 30, 2014 Jun 30, 2014 Total shareholders' equity $ 3,804,179 $ 3,800,970 $ 3,777,626 $ 3,749,101 $ 3,725,759 Subtract:

Goodwill and other intangible assets, net

1,839,760 1,842,567 1,842,958 1,845,242 1,842,670 Tangible common shareholders' equity $ 1,964,419 $ 1,958,403 $ 1,934,668 $ 1,903,859 $ 1,883,089 Total assets $ 22,793,331 $ 22,953,158 $ 22,609,903 $ 22,484,652 $ 22,038,928 Subtract: Goodwill and other intangible assets, net 1,839,760 1,842,567 1,842,958 1,845,242 1,842,670 Tangible assets $ 20,953,571 $ 21,110,591 $ 20,766,945 $ 20,639,410 $ 20,196,258 Common shares outstanding at period end 220,280 220,454 220,161 217,262 217,191 Tangible common equity ratio 9.38 % 9.28 % 9.32 % 9.22 % 9.32 % Tangible book value per common share $ 8.92 $ 8.88 $ 8.79 $ 8.76 $ 8.67

About Umpqua Holdings Corporation

Umpqua Holdings Corporation (NASDAQ: UMPQ) is the parent company of Umpqua Bank, an Oregon-based community bank recognized for its entrepreneurial approach, innovative use of technology, and distinctive banking solutions. Umpqua Bank has locations across Idaho, Washington, Oregon, California and Northern Nevada. Umpqua Holdings also owns a retail brokerage subsidiary, Umpqua Investments, Inc., which has locations in Umpqua Bank stores and in dedicated offices in Oregon. Umpqua Private Bank serves high net worth individuals and nonprofits, providing trust and investment services. Umpqua Holdings Corporation is headquartered in Portland, Oregon. For more information, visit www.umpquaholdingscorp.com.

Earnings Conference Call Information

The Company will host its second quarter 2015 earnings conference call on Thursday, July 16, 2015, at 10:00 a.m. PST (1:00 p.m. EST). During the call, the Company will provide an update on recent activities and discuss its second quarter 2015 financial results. There will be a live question-and-answer session following the presentation. To join the call, please dial (888) 899-5068 ten minutes prior to the start time and enter conference ID: 8688853. A re-broadcast will be available approximately two hours after the call by dialing (888) 203-1112 and entering conference ID 8688853. The earnings conference call will also be available as an audiocast, which can be accessed on the Company’s investor relations page at www.umpquaholdingscorp.com. A slide presentation to accompany the call will also be posted on the website before the call.

Forward-Looking Statements

This press release includes forward-looking statements within the meaning of the “Safe-Harbor” provisions of the Private Securities Litigation Reform Act of 1995, which management believes are a benefit to shareholders. These statements are necessarily subject to risk and uncertainty and actual results could differ materially due to various risk factors, including those set forth from time to time in our filings with the SEC. You should not place undue reliance on forward-looking statements and we undertake no obligation to update any such statements. In this press release we make forward-looking statements about the integration of the merger with Sterling Financial Corporation; timing and amount of merger-related synergies; and credit discount accretion related to the merger. Specific risks that could cause results to differ from these forward looking statements are Umpqua’s ability to achieve the synergies and earnings accretion contemplated by the Sterling merger; Umpqua’s ability to promptly and effectively integrate the businesses of Sterling and Umpqua. Additional risks that could cause results to differ from forward-looking statements we make are set forth in our filings with the SEC and include, without limitation, changes in the discounted cash flow model used to determine the fair value of subordinated debentures; prolonged low interest rate environment; unanticipated weakness in loan demand or loan pricing; deterioration in the economy; material reductions in revenue or material increases in expenses; lack of strategic growth opportunities or our failure to execute on those opportunities; our inability to effectively manage problem credits; certain loan assets becoming ineligible for loss sharing; unanticipated increases in the cost of deposits; the consequences of a phase-out of junior subordinated debentures from Tier 1 capital; the diversion of management time on issues related to merger integration; changes in laws or regulations; and changes in general economic conditions.

Umpqua Holdings Corporation Consolidated Statements of Income (Unaudited) Quarter Ended % Change (In thousands, except per share data)

Jun 30,2015

Mar 31,2015

Dec 31,2014

Sep 30,2014

Jun 30,2014

Seq.Quarter

YearoverYear

Interest income: Loans and leases $ 217,828 $ 214,663 $ 226,853 $ 223,972 $ 208,992 1

Interest and dividends on investments:

Taxable 11,268 11,551 11,629 12,136 12,728 (2 )% (11 )% Exempt from federal income tax 2,657 2,720 2,746 2,790 2,697 (2 )% (1 )% Dividends 168 101 66 81 128 66

Temporary investments & interest bearing deposits 549 825 857 544 422 (33 )% 30

Total interest income 232,470 229,860 242,151 239,523 224,967 1

Interest expense: Deposits 7,381 7,103 7,119 6,773 6,075 4

Repurchase agreements 43 48 48 54 203 (10

(79 )% Term debt 3,492 3,464 3,570 3,586 3,364 1

Junior subordinated debentures 3,406 3,337 3,399 3,394 3,066 2

Total interest expense 14,322 13,952 14,136 13,807 12,708 3

Net interest income 218,148 215,908 228,015 225,716 212,259 1

Provision for loan and lease losses 11,254 12,637 5,241 14,333 14,696 (11 )% (23 )% Non-interest income: Service charges 14,825 14,296 15,472 16,090 15,371 4

(4 )% Brokerage revenue 4,648 4,769 4,960 4,882 4,566 (3 )% 2

Residential mortgage banking revenue, net 40,014 28,227 16,489 25,996 24,341 42

Gain on investment securities, net 19 116 1,026 902 976 (84 )% (98 )% Gain on loan sales 8,711 6,728 5,730 8,309 557 29

nm Loss on junior subordinated debentures carried at fair value (1,572 ) (1,555 ) (1,589 ) (1,590 ) (1,369 ) 1

Change in FDIC indemnification asset (1,199 ) (1,286 ) (1,982 ) (2,728 ) (5,601 ) (7 )% (79 )% BOLI income 2,023 2,781 1,971 2,161 1,967 (27 )% 3

Other income 12,930 9,519 8,228 8,143 4,658 36

178

Total non-interest income 80,399 63,595 50,305 62,165 45,466 26

Non-interest expense: Salaries and employee benefits 110,786 107,923 104,039 102,564 95,560 3

Occupancy and equipment, net 34,868 32,150 32,987 33,029 28,746 8

Intangible amortization 2,807 2,806 3,102 3,103 2,808 0

FDIC assessments 3,155 3,214 3,522 3,038 2,575 (2 )% 23

Loss on other real estate owned, net 480 1,814 3,609 313 258 (74 )% 86

Merger related expenses 21,797 14,082 10,171 8,632 57,531 55

(62 )% Other expense 28,004 31,109 33,426 31,879 26,653 (10 )% 5

Total non-interest expense 201,897 193,098 190,856 182,558 214,131 5

(6 )% Income before provision for income taxes 85,396 73,768 82,223 90,990 28,898 16

196

Provision for income taxes 30,612 26,639 29,641 32,107 11,356 15

170

Net income 54,784 47,129 52,582 58,883 17,542 16

212

Dividends and undistributed earnings allocated to participating securities 93 84 146 142 83 11

Net earnings available to common shareholders $ 54,691 $ 47,045 $ 52,436 $ 58,741 $ 17,459 16

213

Weighted average basic shares outstanding 220,463 220,349 218,963 217,245 196,312 0

Weighted average diluted shares outstanding 221,150 221,051 219,974 218,941 197,638 0

Earnings per common share – basic $ 0.25 $ 0.21 $ 0.24 $ 0.27 $ 0.09 19

178

Earnings per common share – diluted $ 0.25 $ 0.21 $ 0.24 $ 0.27 $ 0.09 19

178

nm = not meaningful Umpqua Holdings Corporation Consolidated Statements of Income (Unaudited) Six Months Ended % Change (In thousands, except per share data) Jun 30, 2015 Jun 30, 2014

YearoverYear

Interest income Loans and leases $ 432,491 $ 312,978 38

Interest and dividends on investments: Taxable 22,819 22,019 4

Exempt from federal income tax 5,377 4,809 12

Dividends 269 178 51

Temporary investments & interest bearing deposits 1,374 863 59

Total interest income 462,330 340,847 36

Interest expense Deposits 14,484 9,923 46

Repurchase agreements 91 244 (63 )% Term debt 6,956 5,637 23

Junior subordinated debentures 6,743 4,946 36

Total interest expense 28,274 20,750 36

Net interest income 434,056 320,097 36

Provision for loan and lease losses 23,891 20,667 16

Non-interest income Service charges 29,121 23,138 26

Brokerage revenue 9,417 8,291 14

Residential mortgage banking revenue, net 68,241 34,780 96

Gain on investment securities, net 135 976 (86 )% Gain on loan sales 15,439 1,074 nm Loss on junior subordinated debentures carried at fair value (3,127 ) (1,911 ) 64

Change in FDIC indemnification asset (2,485 ) (10,441 ) (76 )% BOLI Income 4,804 2,703 78

Other income 22,449 10,094 122

Total non-interest income 143,994 68,704 110

Non-interest expense Salaries and employee benefits 218,709 148,778 47

Occupancy and equipment, net 67,018 45,247 48

Intangible amortization 5,613 4,002 40

FDIC assessments 6,369 4,438 44

Loss on other real estate owned, net 2,294 194 nm Merger related expenses 35,879 63,514 (44 )% Other expense 59,113 44,476 33

Total non-interest expense 394,995 310,649 27

Income before provision for income taxes 159,164 57,485 177

Provision for income taxes 57,251 21,292 169

Net income 101,913 36,193 182

Dividends and undistributed earningsallocated to participating securities

177 196 (10 )% Net earnings available to common shareholders $ 101,736 $ 35,997 183

Weighted average basic shares outstanding 220,406 154,473 43

Weighted average diluted shares outstanding 221,088 155,276 42

Earnings per common share – basic $ 0.46 $ 0.23 100

Earnings per common share – diluted $ 0.46 $ 0.23 100

nm = not meaningful Umpqua Holdings Corporation

Consolidated Balance Sheets

(Unaudited) % Change (In thousands, except per share data) Jun 30, 2015 Mar 31, 2015 Dec 31, 2014 Sep 30, 2014 Jun 30, 2014

Seq.Quarter

YearoverYear

Assets: Cash and due from banks $ 364,256 $ 292,558 $ 282,455 $ 266,624 $ 347,152 25

Interest bearing deposits 515,273 1,087,913 1,322,214 1,176,599 492,739 (53 )% 5

Temporary investments 418 403 502 487 529 4

(21 )% Investment securities: Trading, at fair value 10,005 10,452 9,999 9,727 9,420 (4 )% 6

Available for sale, at fair value 2,557,245 2,535,121 2,298,555 2,400,061 2,588,969 1

(1 )% Held to maturity, at amortized cost 4,807 4,953 5,211 5,356 5,519 (3 )% (13 )% Loans held for sale 419,704 406,487 286,802 265,800 328,968 3

Loans and leases 15,974,197 15,548,957 15,327,732 15,259,201 15,136,455 3

Allowance for loan and lease losses (127,071 ) (120,104 ) (116,167 ) (115,635 ) (106,495 ) 6

Loans and leases, net 15,847,126 15,428,853 15,211,565 15,143,566 15,029,960 3

Restricted equity securities 46,917 117,218 119,334 120,759 122,194 (60 )% (62 )% Premises and equipment, net 331,208 322,925 317,834 314,364 310,407 3

Goodwill 1,788,640 1,788,640 1,786,225 1,785,407 1,779,732 0

Other intangible assets, net 51,120 53,927 56,733 59,835 62,938 (5 )% (19 )% Residential mortgage servicing rights, at fair value 127,206 116,365 117,259 118,725 114,192 9

Other real estate owned 23,038 32,064 37,942 34,456 27,982 (28 )% (18 )% FDIC indemnification asset 432 1,861 4,417 7,811 11,293 (77 )% (96 )% Bank owned life insurance 295,551 294,697 294,296 293,511 292,714 0

Deferred tax assets, net 181,245 198,778 230,442 251,854 260,870 (9 )% (31 )% Other assets 229,140 259,943 228,118 229,710 253,350 (12 )% (10 )% Total assets $ 22,793,331 $ 22,953,158 $ 22,609,903 $ 22,484,652 $ 22,038,928 (1 )% 3

Liabilities: Deposits $ 17,145,046 $ 17,222,566 $ 16,892,099 $ 16,727,610 $ 16,323,000 0

Securities sold under agreements to repurchase 325,711 321,202 313,321 339,367 315,025 1

Term debt 889,997 965,675 1,006,395 1,057,140 1,057,915 (8 )% (16 )% Junior subordinated debentures, at fair value 252,214 250,652 249,294 247,528 246,077 1

Junior subordinated debentures, at amortized cost 101,415 101,496 101,576 101,657 101,737 0

Other liabilities 274,769 290,597 269,592 262,249 269,415 (5 )% 2

Total liabilities 18,989,152 19,152,188 18,832,277 18,735,551 18,313,169 (1 )% 4

Shareholders' equity: Common stock 3,517,557 3,521,201 3,519,316 3,515,621 3,512,507 0

Retained earnings 281,573 260,128 246,242 226,895 200,808 8

Accumulated other comprehensive income (loss) 5,049 19,641 12,068 6,585 12,444 (74 )% (59 )% Total shareholders' equity 3,804,179 3,800,970 3,777,626 3,749,101 3,725,759 0

Total liabilities and shareholders' equity $ 22,793,331 $ 22,953,158 $ 22,609,903 $ 22,484,652 $ 22,038,928 (1 )% 3

Common shares outstanding at period end 220,280 220,454 220,161 217,262 217,191 0

Book value per common share $ 17.27 $ 17.24 $ 17.16 $ 17.26 $ 17.15 0

Tangible book value per common share $ 8.92 $ 8.88 $ 8.79 $ 8.76 $ 8.67 0

Tangible equity - common $ 1,964,419 $ 1,958,403 $ 1,934,668 $ 1,903,859 $ 1,883,089 0

Tangible common equity to tangible assets 9.38 % 9.28 % 9.32 % 9.22 % 9.32 % 1

Umpqua Holdings Corporation Loan & Lease Portfolio (Unaudited) (Dollars in thousands) Jun 30, 2015 Mar 31, 2015 Dec 31, 2014 Sep 30, 2014 Jun 30, 2014 % Change Amount Amount Amount Amount Amount

Seq.Quarter

YearoverYear

Loans & leases:

Commercial real estate: Non-owner occupied term, net $ 3,294,359 $ 3,303,629 $ 3,290,610 $ 3,423,453 $ 3,517,328 0

(6 )% Owner occupied term, net 2,636,800 2,577,484 2,633,864 2,682,870 2,714,319 2

(3 )% Multifamily, net 2,859,884 2,764,403 2,638,618 2,565,711 2,506,864 3

Commercial construction, net 244,354 238,303 258,722 247,816 264,150 3

(7 )% Residential development, net 76,734 81,160 81,846 76,849 94,857 (5 )% (19 )% Commercial: Term, net 1,374,528 1,411,043 1,396,089 1,427,121 1,400,710 (3 )% (2 )% Lines of credit & other, net 981,897 993,814 1,029,620 1,037,278 1,044,376 (1 )% (6 )% Leases & equipment finance, net 630,695 570,492 523,114 492,221 463,784 11

Residential real estate: Mortgage, net 2,533,042 2,330,325 2,233,735 2,102,333 1,976,934 9

Home equity lines & loans, net 882,596 863,269 852,478 836,054 817,391 2

Consumer & other, net 459,308 415,035 389,036 367,495 335,742 11

Total, net of deferred fees and costs $ 15,974,197 $ 15,548,957 $ 15,327,732 $ 15,259,201 $ 15,136,455 3

Loan & leases mix:

Commercial real estate: Non-owner occupied term, net 20 % 20 % 20 % 22 % 23 % Owner occupied term, net 17 % 17 % 17 % 18 % 18 % Multifamily, net 17 % 17 % 17 % 17 % 17 % Commercial construction, net 2 % 2 % 2 % 2 % 2 % Residential development, net — % 1 % 1 % 1 % 1 % Commercial: Term, net 9 % 9 % 9 % 9 % 9 % Lines of credit & other, net 6 % 6 % 7 % 7 % 7 % Leases & equipment finance, net 4 % 4 % 3 % 3 % 3 % Residential real estate: Mortgage, net 16 % 15 % 15 % 14 % 13 % Home equity lines & loans, net 6 % 6 % 6 % 5 % 5 % Consumer & other, net 3 % 3 % 3 % 2 % 2 % Total 100 % 100 % 100 % 100 % 100 % Umpqua Holdings Corporation Deposits by Type/Core Deposits (Unaudited) (Dollars in thousands) Jun 30, 2015 Mar 31, 2015 Dec 31, 2014 Sep 30, 2014 Jun 30, 2014 % Change Amount Amount Amount Amount Amount

Seq.Quarter

YearoverYear

Deposits:

Demand, non-interest bearing $ 4,927,526 $ 4,930,642 $ 4,744,804 $ 4,741,897 $ 4,363,710 0

Demand, interest bearing 2,090,595 2,085,368 2,054,994 1,942,792 1,869,626 0

Money market 6,374,624 6,287,165 6,113,138 5,998,339 5,973,197 1

Savings 1,058,337 1,022,829 971,185 952,122 912,073 3

Time 2,693,964 2,896,562 3,007,978 3,092,460 3,204,394 (7 )% (16 )% Total $ 17,145,046 $ 17,222,566 $ 16,892,099 $ 16,727,610 $ 16,323,000 0

Total core deposits (1) $ 15,248,676 $ 15,304,001 $ 15,126,378 $ 14,653,183 $ 14,171,946 0

Deposit mix:

Demand, non-interest bearing 29 % 29 % 28 % 28 % 26 % Demand, interest bearing 12 % 12 % 12 % 12 % 11 % Money market 37 % 36 % 36 % 36 % 37 % Savings 6 % 6 % 6 % 6 % 6 % Time 16 % 17 % 18 % 18 % 20 % Total 100 % 100 % 100 % 100 % 100 %

Number of open accounts:

Demand, non-interest bearing 367,086 368,701 367,854 366,279 363,378 Demand, interest bearing 90,021 85,082 86,135 87,223 88,162 Money market 58,156 61,991 63,095 63,979 65,216 Savings 152,404 150,989 150,548 150,527 149,877 Time 49,983 52,179 53,530 54,565 56,285 Total 717,650 718,942 721,162 722,573 722,918

Average balance per account:

Demand, non-interest bearing $ 13.4 $ 13.4 $ 12.9 $ 12.9 $ 12.3 Demand, interest bearing 23.2 24.5 23.9 22.3 21.2 Money market 109.6 101.4 96.9 93.8 91.6 Savings 6.9 6.8 6.5 6.3 6.1 Time 53.9 55.5 56.2 56.7 56.9 Total $ 23.9 $ 24.0 $ 23.4 $ 23.2 $ 22.7

(1) Core deposits are defined as total deposits less time deposits greater than $100,000.

Umpqua Holdings Corporation

Credit Quality – Non-performing Assets (Unaudited) Quarter Ended % Change (Dollars in thousands)

Jun 30,2015

Mar 31,2015

Dec 31,2014

Sep 30,2014

Jun 30,2014

Seq.Quarter

YearoverYear

Non-performing assets:

Loans and leases on non-accrual status $ 33,572 $ 40,246 $ 52,041 $ 42,397 $ 48,358 (17 )% (31 )% Loans and leases past due 90+ days & accruing 13,529 10,416 7,512 7,416 4,919 30

175

Total non-performing loans and leases 47,101 50,662 59,553 49,813 53,277 (7 )% (12 )% Other real estate owned 23,038 32,064 37,942 34,456 27,982 (28 )% (18 )% Total $ 70,139 $ 82,726 $ 97,495 $ 84,269 $ 81,259 (15 )% (14 )% Performing restructured loans and leases $ 37,023 $ 60,896 $ 54,836 $ 63,507 $ 67,464 (39 )% (45 )% Loans and leases past due 31-89 days $ 25,553 $ 20,488 $ 24,659 $ 34,025 $ 28,913 25

(12 )% Loans and leases past due 31-89 days to total loans and leases 0.16 % 0.13 % 0.16 % 0.22 % 0.19 % Non-performing loans and leases to total loans and leases 0.29 % 0.33 % 0.39 % 0.33 % 0.35 % Non-performing assets to total assets 0.31 % 0.36 % 0.43 % 0.37 % 0.37 % Umpqua Holdings Corporation Credit Quality – Allowance for Loan and Lease Losses (Unaudited) Quarter Ended % Change (Dollars in thousands)

Jun 30, 2015

Mar 31, 2015

Dec 31, 2014

Sep 30,2014

Jun 30,2014

Seq.Quarter

Year overYear

Allowance for loan and lease losses:

Balance beginning of period $ 120,104 $ 116,167 $ 115,635 $ 106,495 $ 97,029

Provision for loan and lease losses

11,254 12,637 5,241 14,333 14,696 (11 )% (23 )% Charge-offs (7,442 ) (12,545 ) (9,088 ) (7,524 ) (7,332 ) (41 )% 2

Recoveries 3,155 3,845 4,379 2,331 2,102 (18 )% 50

Net charge-offs (4,287 ) (8,700 ) (4,709 ) (5,193 ) (5,230 ) (51 )% (18 )% Total allowance for loan and lease losses 127,071 120,104 116,167 115,635 106,495 6

Reserve for unfunded commitments 2,864 3,194 3,539 4,388 4,845 Total allowance for credit losses $ 129,935 $ 123,298 $ 119,706 $ 120,023 $ 111,340 Net charge-offs to average loans and leases (annualized) 0.11 % 0.23 % 0.12 % 0.14 % 0.15 % Recoveries to gross charge-offs 42.39 % 30.65 % 48.18 % 30.98 % 28.67 % Allowance for loan and lease losses to loans and leases 0.80 % 0.77 % 0.76 % 0.76 % 0.70 % Allowance for credit losses to loans and leases 0.81 % 0.79 % 0.78 % 0.79 % 0.74 % Umpqua Holdings Corporation Credit Quality – Allowance for Loan and Lease Losses (Unaudited) Six Months Ended % Change (Dollars in thousands) Jun 30, 2015 Jun 30, 2014 Year over Year

Allowance for loan and lease losses:

Balance beginning of period $ 116,167 $ 95,085 Provision for loan and lease losses 23,891 20,667 16

Charge-offs (19,987 ) (13,566 ) 47

Recoveries 7,000 4,309 62

Net charge-offs (12,987 ) (9,257 ) 40

Total allowance for loan and lease losses 127,071 106,495 19

Reserve for unfunded commitments 2,864 4,845 (41 )% Total allowance for credit losses $ 129,935 $ 111,340 17

Net charge-offs to average loans and leases (annualized) 0.17 % 0.17 % Recoveries to gross charge-offs 35.02 % 31.76 % Allowance for loan and lease losses to loans and leases 0.80 % 0.70 % Allowance for credit losses to loans and leases 0.81 % 0.74 % Umpqua Holdings Corporation Selected Ratios (Unaudited) Quarter Ended % Change

Jun 30,2015

Mar 31,2015

Dec 31,2014

Sep 30,2014

Jun 30,2014

Seq.Quarter

YearoverYear

Average Rates:

Yield on loans and leases 5.48 % 5.61 % 5.82 % 5.78 % 6.06 % (0.13 ) (0.58 ) Yield on loans held for sale 3.24 % 3.95 % 4.01 % 3.86 % 4.30 % (0.71 ) (1.06 ) Yield on taxable investments 1.99 % 2.10 % 2.16 % 2.12 % 2.29 % (0.11 ) (0.30 ) Yield on tax-exempt investments (1) 5.07 % 5.10 % 5.09 % 5.12 % 5.08 % (0.03 ) (0.01 ) Yield on temporary investments & interest bearing cash 0.26 % 0.25 % 0.25 % 0.25 % 0.32 % 0.01 (0.06 ) Total yield on earning assets (1) 4.79 % 4.82 % 4.98 % 5.04 % 5.30 % (0.03 ) (0.51 ) Cost of interest bearing deposits 0.24 % 0.24 % 0.23 % 0.22 % 0.22 % — 0.02

Cost of securities sold under agreements to repurchase and fed funds purchased

0.05 % 0.06 % 0.06 % 0.07 % 0.25 % (0.01 ) (0.20 ) Cost of term debt 1.51 % 1.42 % 1.41 % 1.35 % 1.45 % 0.09 0.06 Cost of junior subordinated debentures 3.88 % 3.86 % 3.86 % 3.87 % 3.87 % 0.02 0.01 Total cost of interest bearing liabilities 0.41 % 0.41 % 0.41 % 0.40 % 0.41 % — — Net interest spread (1) 4.38 % 4.41 % 4.57 % 4.64 % 4.89 % (0.03 ) (0.51 ) Net interest margin – Consolidated (1) 4.50 % 4.53 % 4.69 % 4.75 % 5.01 % (0.03 ) (0.51 ) Net interest margin – Bank (1) 4.56 % 4.59 % 4.75 % 4.82 % 5.07 % (0.03 ) (0.51 )

As reported (GAAP):

Return on average assets 0.96 % 0.84 % 0.92 % 1.05 % 0.35 % 0.12 0.61 Return on average tangible assets 1.05 % 0.92 % 1.00 % 1.14 % 0.38 % 0.13 0.67 Return on average common equity 5.76 % 5.02 % 5.59 % 6.28 % 2.09 % 0.74 3.67 Return on average tangible common equity 11.17 % 9.76 % 11.08 % 12.46 % 4.13 % 1.41 7.04 Efficiency ratio – Consolidated 67.32 % 68.74 % 68.23 % 63.10 % 82.64 % (1.42 ) (15.32 ) Efficiency ratio – Bank 65.71 % 67.09 % 66.23 % 61.63 % 81.08 % (1.38 ) (15.37 )

Operating basis (non-GAAP): (2)

Return on average assets 1.21 % 1.01 % 1.04 % 1.16 % 1.08 % 0.20 0.13 Return on average tangible assets 1.32 % 1.10 % 1.13 % 1.26 % 1.18 % 0.22 0.14 Return on average common equity 7.24 % 6.03 % 6.34 % 6.94 % 6.49 % 1.21 0.75 Return on average tangible common equity 14.04 % 11.71 % 12.56 % 13.78 % 12.83 % 2.33 1.21 Efficiency ratio – Consolidated 59.74 % 63.38 % 64.23 % 59.79 % 60.12 % (3.64 ) (0.38 ) Efficiency ratio – Bank 58.46 % 62.09 % 62.61 % 58.65 % 58.94 % (3.63 ) (0.48 )

(1) Tax exempt interest has been adjusted to a taxable equivalent basis using a 35% tax rate.

(2) Operating earnings is calculated as earnings available to common shareholders excluding gain (loss) on junior subordinated debentures carried at fair value, net of tax, bargain purchase gain on acquisitions, net of tax, goodwill impairment, and merger related expenses, net of tax.

Umpqua Holdings Corporation Selected Ratios (Unaudited) Six Months Ended % Change Jun 30, 2015 Jun 30, 2014

Year overYear

Average Rates:

Yield on loans and leases 5.54% 5.83% (0.29 ) Yield on loans held for sale 3.53% 4.28% (0.75 ) Yield on taxable investments 2.04% 2.35% (0.31 ) Yield on tax-exempt investments (1) 5.08% 5.31% (0.23 ) Yield on temporary investments & interest bearing cash 0.25% 0.29% (0.04 ) Total yield on earning assets (1) 4.80% 5.04% (0.24 ) Cost of interest bearing deposits 0.24% 0.23% 0.01

Cost of securities sold under agreements to repurchase and fed funds purchased

0.06% 0.18% (0.12 ) Cost of term debt 1.46% 1.91% (0.45 ) Cost of junior subordinated debentures 3.87% 3.93% (0.06 ) Total cost of interest bearing liabilities 0.41% 0.42% (0.01 ) Net interest spread (1) 4.39% 4.62% (0.23 ) Net interest margin – Consolidated (1) 4.51% 4.74% (0.23 ) Net interest margin – Bank (1) 4.58% 4.80% (0.22 )

As reported (GAAP):

Return on average assets 0.90% 0.46% 0.44 Return on average tangible assets 0.98% 0.50% 0.48 Return on average common equity 5.40% 2.85% 2.55 Return on average tangible common equity 10.47% 5.46% 5.01 Efficiency ratio – Consolidated 68.01% 79.39% (11.38 ) Efficiency ratio – Bank 66.38% 77.72% (11.34 )

Operating basis (non-GAAP): (2)

Return on average assets 1.11% 0.99% 0.12 Return on average tangible assets 1.21% 1.08% 0.13 Return on average common equity 6.64% 6.18% 0.46 Return on average tangible common equity 12.88% 11.84% 1.04 Efficiency ratio – Consolidated 61.50% 62.85% (1.35 ) Efficiency ratio – Bank 60.22% 61.46% (1.24 )

(1) Tax exempt interest has been adjusted to a taxable equivalent basis using a 35% tax rate.

Umpqua Holdings Corporation

Average Balances

(Unaudited) Quarter Ended % Change (Dollars in thousands)

Jun 30,2015

Mar 31,2015

Dec 31,2014

Sep 30,2014

Jun 30,2014

Seq.Quarter

YearoverYear

Temporary investments & interest bearing cash $ 861,775 $ 1,323,671 $ 1,368,726 $ 849,399 $ 672,587 (35 )% 28

Investment securities, taxable 2,300,123 2,222,174 2,169,504 2,307,732 2,242,414 4

Investment securities, tax-exempt 317,655 323,852 326,858 330,902 315,488 (2 )% 1

Loans held for sale 368,112 262,777 255,830 274,834 211,694 40

Loans and leases 15,731,298 15,334,555 15,300,425 15,200,893 13,673,887 3

Total interest earning assets 19,578,963 19,467,029 19,421,343 18,963,760 17,116,070 1

Goodwill & other intangible assets, net 1,841,535 1,842,390 1,844,084 1,841,668 1,656,687 0

Total assets 22,777,421 22,687,515 22,625,461 22,220,999 20,036,742 0

Non-interest bearing demand deposits 4,852,989 4,808,062 4,836,517 4,558,672 3,963,233 1

Interest bearing deposits 12,274,814 12,187,132 12,153,481 11,948,731 10,948,991 1

Total deposits 17,127,803 16,995,194 16,989,998 16,507,403 14,912,224 1

Interest bearing liabilities 13,880,474 13,838,515 13,833,126 13,681,205 12,521,218 0

Shareholders’ equity - common 3,803,634 3,797,108 3,721,003 3,712,813 3,350,836 0

Tangible common equity (1) 1,962,099 1,954,718 1,876,919 1,871,145 1,694,149 0

16 % Umpqua Holdings Corporation

Average Balances

(Unaudited) Six Months Ended % Change (Dollars in thousands) Jun 30, 2015 Jun 30, 2014 Year over Year Temporary investments & interest bearing cash $ 1,091,447 $ 689,188

58%

Investment securities, taxable 2,261,364 1,904,508

19%

Investment securities, tax-exempt 320,736 273,736 17% Loans held for sale 315,735 144,835 118% Loans and leases 15,534,022 10,719,625 45% Total interest earning assets 19,523,304 13,731,892 42% Goodwill & other intangible assets, net 1,841,960 1,218,779 51% Total assets 22,732,715 15,860,749 43% Non-interest bearing demand deposits 4,830,650 3,192,896 51% Interest bearing deposits 12,231,215 8,834,257 38% Total deposits 17,061,865 12,027,153 42% Interest bearing liabilities 13,859,610 9,963,209 39% Shareholders’ equity - common 3,800,389 2,549,211

49%

Tangible common equity (1) 1,958,429 1,330,432 47%

(1) Average tangible common equity is a non-GAAP financial measure. Average tangible common equity is calculated as average common shareholders’ equity less average goodwill and other intangible assets, net (excluding MSRs).

Umpqua Holdings Corporation

Residential Mortgage Banking Activity

(unaudited) Quarter Ended % Change (Dollars in thousands) Jun 30, 2015 Mar 31, 2015 Dec 31, 2014 Sep 30, 2014 Jun 30, 2014

Seq.Quarter

Yearover Year

Residential mortgage servicing rights:

Residential mortgage loans serviced for others $ 12,302,866 $ 11,874,910 $ 11,590,310 $ 11,300,947 $ 10,838,313 4

MSR asset, at fair value 127,206 116,365 117,259 118,725 114,192 9

MSR as % of serviced portfolio 1.03 % 0.98 % 1.01 % 1.05 % 1.05 %

Residential mortgage banking revenue:

Origination and sale $ 33,667 $ 31,498 $ 18,378 $ 24,097 $ 22,142 7

Servicing 6,770 6,457 6,306 6,178 5,359 5

Change in fair value of MSR asset (423 ) (9,728 ) (8,195 ) (4,279 ) (3,160 ) (96 )% (87 )% Total $ 40,014 $ 28,227 $ 16,489 $ 25,996 $ 24,341 42

Closed loan volume:

Closed loan volume - portfolio $ 446,712 $ 311,149 $ 319,779 $ 292,154 $ 271,228 44

Closed loan volume - for sale 997,225 862,155 622,133 695,877 623,727 16

Closed loan volume - total $ 1,443,937 $ 1,173,304 $ 941,912 $ 988,031 $ 894,955 23

Gain on sale margin:

Based on for sale volume 3.38 % 3.65 % 2.95 % 3.46 % 3.55 % (0.27 ) (0.17 ) Six Months Ended % Change Jun 30, 2015 Jun 30, 2014

Year over Year

Residential mortgage banking revenue:

Origination and sale $ 65,165 $ 30,563 113 % Servicing 13,227 8,329 59 % Change in fair value of MSR asset (10,151 ) (4,112 ) 147 % Total $ 68,241 $ 34,780 96 %

Closed loan volume:

Closed loan volume - portfolio $ 757,861 $ 360,046 110 % Closed loan volume - for sale 1,859,380 828,083 125 % Closed loan volume - total $ 2,617,241 $ 1,188,129 120 %

Gain on sale margin:

Based on for sale volume 3.50 % 3.69 % (0.19 )

View source version on businesswire.com: http://www.businesswire.com/news/home/20150715006516/en/

Umpqua Holdings CorporationRon Farnsworth, 503-727-4108EVP/Chief Financial Officerronfarnsworth@umpquabank.comBradley Howes, 503-727-4226SVP/Director of Investor Relationsbradhowes@umpquabank.com

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