Topic Listing for Sterling Financial

Addition Sterling 2005 Earnings Conference Call Being Available Additional Copies Annual Report Form 10-k Obtained Without
Additional Information Find Administrative Agent Collateral
Administrative Questionnaire Advances Federal Home Loan Bank
Affiliate Affirmative Determinations Regarding Director Independence
Affirmative Determinations Regarding Director Independence Other Matters Agreement
Alll Alll Npl Ratio
Alll Npl Ratio Respect Bank Subsidiary Not Permit Allowance Credit Losses
Allowance Credit Losses Inadequate Allowance Loan Losses
Allowance Loan Losses Inadequate Allowance Losses Loans
Amendment Amendment Articles Incorporation Bylaws Change
Anchise Enhancing Announces Percent Increase 2005 Earnings
Annual Cash Incentive Compensation Annual Report
Ansaction Rationale Applicable Lending Office
Applicable Margin Articles Amendment Restated Incorporation Sterling Financial Corporation
Asset Liability Management Assets
Assignee Assignment Acceptance
Assurance Recently Enacted Legislation Authorizing Government Inject Capital Attendance Directors
Audit Committee Report Audit Fees
Audit Related Fees Available Sale
Average Available Commitment Balance Sheet Capital Management
Bank Holding Bank Holding Regulation
Bank Holding Sterling039s Earnings Dependent Performance Non-bank Subsidiaries Bank Holding Sterlings Earnings Dependent Performance Non-bank Subsidiaries
Bank-owned Life Insurance Boli Banker
Banking Business Subsidiary Banking Operations Subject Extensive Governmental Regulation Further Regulatory
Banking Regulator Banking Regulatory Reports
Banking Subsidiary Sterling Savings Bank Consented Issuance Cease Base Salary
Based Closing Price Sterling Financial Corporations Common Stock Basis Presentation
Because Participation Tarp Subject Restrictions Ability Repurchase Shares Because Participation Tarp Subject Restrictions Compensation Paid Executives
Because Participation Tarp Subject Several Restrictions Including Ability Beneficial Ownership Reporting Compliance
Benefit Plans Bill Zuppe
Binding Arbitration Agreement Board Composition
Board Directors Recommends Vote Amendment Sterlings Restated Articles Board Directors Sterling Financial Corporation
Board Directors Unanimously Recommends Shareholders Vote Borrowing
Borrowing Date Borrowing Request
Borrowing Request Lender Shall Received Accordance Terms Agreement Borrowings
Business Business Growth
Business Highly Reliant Technology Ability Manage Operational Risks Business Lending
C-1 C-2
Capital Capital Adequacy
Capital Enhancement Capital Enhancement Measures
Capital Expenditures Capital Lease Obligations
Capital Management Capital Purchase Program
Cash Equivalents Certain Federal Income Tax Consequences
Certain Relationships Related Transactions Director Independence Certification Principal Executive Officer
Certification Principal Financial Officer Change Control
Change Relevant Banking Regulators Rating Borrower Business Subsidiary Changes Accounting Standards Material Impact Report Financial Condition
Changes Disagreements Accountants Accounting Financial Disclosure Changes Internal Control Over Financial Reporting
Changes Market Interest Rates Adversely Affect Sterling039s Earnings Changes Market Interest Rates Adversely Affect Sterlings Earnings
Changes Market Interest Rates Continue Adversely Affect Sterlings Charter Conversion
Classified Assets Real Estate Owned Delinquent Loans Classified Residential Construction Assets Stabilized
Code Ethics Collateral Agent
Collateral Pledge Agreement Commitment Fee
Commitment Fee Payment Date Commitment Termination Date
Commitments Commitments Contingencies
Committee Membership Committees Board Directors
Common Stock 100 Par Value Communication Board Directors
Community Reinvestment Comparison 2005 2004
Comparison Five-year Cumulative Total Return Compensation Attendance Directors
Compensation Ceo Compensation Directors
Compensation Named Executive Officers Compensation Peer Group
Compensation Philosophy Compensation Philosophy Objectives
Competition Competition Adversely Affect Sterling039s Ability Attract Retain Customers
Competition Adversely Affect Sterlings Ability Attract Retain Customers Competition Recent Operating Results Adversely Affect Sterlings Ability
Compliance 404 Sarbanes Oxley Act Components Compensation
Components Other Compensation Comprehensive Income
Computation Return Average Assets Concentration Higher Risk Commercial Loans
Concentration Higher Risk Commercial Real Estate Loans Conclusion Regarding Effectiveness Disclosure Controls Procedures
Conditions Financial Markets Limit Access Additional Funding Meet Conditions Precedent
Consent Independent Registered Public Accounting Firm Controls Procedures
Corporate Governance Cost Funds
Covenants Creation Direct Financial Obligation Off-balance Sheet Arrangement
Credit Agreement Credit Documents
Credit Quality Critical Accounting Policies
Current Future Increases Fdic Insurance Premiums Including Special Current Levels Market Volatility Unprecedented
Current Market Developments Adversely Affected Industry Business Results Date Time Place Purpose Sterling039s Annual Meeting
Date Time Place Purpose Sterlings Annual Meeting Date Time Place Purpose Sterlings Special Meeting
Deemed Default Regard Certain Borrowing Agreements Result Receipt Default
Defaults Further Negatively Impact Sterlings Business Defaults Negatively Impact Sterling039s Business
Defaults Negatively Impact Sterlings Business Deferred Compensation Plan
Definitions Departure Directors Certain Officers
Departure Directors Principal Officers Election Appointment Deploying Treasury Funds
Deposit Insurance Premiums Expected Increase Substantially Adversely Affect Deposits
Derivatives Hedging Description 2007 Incentive Plan
Difficult Market Conditions Adversely Affected Continue Adverse Effect Directors Executive Officers Corporate Governance
Disbursement Payment Disclosure Controls Procedures
Dissenters Rights Dissenters Rights Respect Proposals
Dissenters039 Rights Ditional Information Find
Documents Incorporated Reference Doing Part 8211 Looking Forward
Doing Part8212new Enhanced Programs Spur Economic Growth Dollars
Donn Costa Downturn Local Economies Real Estate Markets Negatively Impact
Earnings Conference Call Earnings Per Share
Effective Time Effects Current Economic Recession Been Particularly Severe Primary
Effects Inflation Changing Prices Elect Compelled Seek Additional Capital Future Not Available
Empire Acquisition Employment Agreements
Employment Change Control Agreements Entitled Vote
Entry Material Definitive Agreement Environmental Claim
Environmental Law Environmental Laws
Equity Compensation Plan Information Erisa
Erisa Group Estimated Allowance Losses Loan Portfolio Inadequate Cause Results
Estimates Eurodollar Reserve Percentage
Event Default Events Default
Evidence Corporate Action Lender Shall Received Following Evidence Loans Transfers
Exact Name Registrant Specified Charter Excluded Taxes
Executive Appointments Executive Biographies
Executive Compensation Executive Compensation Dividends
Executive Officers Executive Summary Highlights
Exhibits Existing Credit Agreement
Expect Increase Profitability Future Expenses Proxy Solicitation
Experience Future Goodwill Impairment Explanatory
Ezra Eckhardt Ezra Eckhardt Promoted Acting President Sterling Savings Bank
Ezra Eckhardt Promoted Chief Operating Officer Face Increasing Deposit-pricing Pressures Among Other Things Reduce
Facility Facility Fee
Fair Accurate Credit Transactions Act Fair Values Financial Instruments
Fdic Federal Deposit Insurance Corporation
Federal Deposit Insurance Corporation Improvement Act 1991 Federal Reserve System
Federal State Governments Pass Legislation Responsive Current Credit Federal State Regulation Banking Activities
Federal Taxation Fees
Financial Position Financial Services Industry Highly Competitive
Financial Statements Exhibits Financial Statements Supplementary Data
Find Information Firstbank
Focus Community Lending Following Not Intended Complete Discussion Summary Some Most
Form 10-k Form 10-q
Forward-looking Statements Further
Future Legislation Change Competitive Position Gaap
General Goodwill
Goodwill Analysis Goodwill Litigation
Goodwill Other Intangible Assets Governmental Authority
Gramm-leach-bliley Act Grants Plan-based Awards
Gregory 8220greg8221 Seibly Growth
Growth Strategy Included Future Include Mergers Acquisitions Create Guaranty
Hazardous Substance Hedging Activities
Held Maturity Highlights
Highlights 2005 Follows Home Ownership Equity Protection Act 1994
Http Wwwsterlingsavingsbankcom Important Notice Regarding Availability Proxy Materials Shareholder Meeting
Important Notice Regarding Availability Proxy Materials Special Shareholder Improvements Thereto Except Extent Failure Maintain Keep Preserve
Income Recognition Income Tax Provision
Income Taxes Incorporation Reference
Incurred Significant Losses Over Last Continue Future Make Indebtedness
Indemnitee Independent Registered Public Accounting Firm
Independent Registered Public Accounting Firm039s Fees Independent Registered Public Accounting Firms Fees
Index Information
Information Included Report Initial Directors
Interest Expense Interest Loan Subject Shall Bear Eurodollar
Interest Period Interest Rate Protection Agreement
Interests Directors Officers Others Certain Transactions Internal Control Integrated Framework
Investment Securities Mbs Investments
Investments Abs Investments Mbs
Investors Security Holders Sterling Lynnwood Urged Read Proxy Klamath Plans
Legal Proceedings Lender
Lenders Credit Analysis Relating Borrower Subsidiaries Not Been Lending
Lending Activity Libor
Libor Reference Amount Lien
Liquidity Capital Resources Liquidity Management
Liquidity Position Remains Strong Liquidity Risk Impair Ability Fund Operations Jeopardize Financial
Loan Commitments Loan Origination Commitment Fees
Loan Purchases Loan Servicing
Loans Affiliates Loans Held Sale
Loans Receivable Loans-to-one-borrower
Long-term Incentive Plans Lynnwood
Major Classified Loans Major Real Estate Owned
Majority Assets Loans Not Repaid Result Losses Subsidiary Management Promotions 8212 Sterling Savings Bank
Management039s Report Internal Control Over Financial Reporting Managements Report Internal Control
Managements Report Internal Control Over Financial Reporting Mason-mcduffie
Material Adverse Effect Material Plan
Mergers Acquisitions Minimis
Minus Miscellaneous
Moodys Mortgage Banking Operations
Multifamily Residential Commercial Real Estate Lending Name Person Filing Proxy Statement Other Registrant
Net Interest Income Network Computer Systems Sterling Depends Fail Experience Security
New Accounting Policies New Accounting Pronouncements
Non Performing Loans Non-interest Expenses
Non-interest Income North Wall Street
North Wall Street Spokane Washington 99201 Northern Empire
Not Applicable Notice Annual Meeting
Number 0-20800 Number0-20800
Off-balance Sheet Arrangements Aggregate Contractual Obligations Office Properties Equipment
One- Four-family Residential Lending Operating Expenses
Operating Results Option Exercises Stock Vested
Oreo Other Accounting Pronouncements
Other Balance Sheet Actions Other Events
Other Income Other Information
Other Matters Other Stock -based Compensation Plan Such Dividends Payable
Outlines Lending Initiatives 2009 Outlook
Overview Parent Company-only Financial Information
Part Part Other Information
Participant Participate Conference Call Domestic Callers Dial 517-308-9004 Approximately
Pay Expenses Proxy Solicitation Peer Group Benchmarking
Pension Benefits Pension Plan
Performance Graph Performance Ratios
Permitted Investment Permitted Liens
Person Personnel
Personnel Committee Interlocks Insider Participation Personnel Committee Report
Personnel Committee Report Executive Compensation Policy Equity Ownership Timing Grants
Potential Post-employment Payments Pre-approval Audit Non-audit Services
Prescribed Forms Prima Facie
Primary Obligor Principal Accounting Fees Services
Principles Consolidation Profitability Drivers
Properties Property
Proposal Proposal Adoption 2007 Long-term Incentive Plan
Proposal Advisory Vote Executive Compensation Proposal Amendment Articles Incorporation
Proposal Election Directors Proposal Ratification Appointment Independent Registered Public Accounting Firm
Provided Provided Further
Provided However Provision Losses Loans
Proxy Solicited Board Directors Pursuant Usc 1350
Pursuant Usc 1350 Adopted 906 Sarbanes-oxley Act 2002 Pwwa Acquisition
Qualified Thrift Lender Quantitative Qualitative Disclosures Market Risk
Quorum Vote Required Rapid Change Interest Rates Make Difficult Maintain Current
Real Estate Owned Real Estate Owned Other Collateralized Assets
Recent Governmental Actions Help Stabilize Financial System Improve Recent Sales Unregistered Securities
Recently Had Turnover Senior Management Team Negative Impact Reclassifications
Recommendation Board Directors Record Date Outstanding Shares Entitled Vote
Reduced Access Wholesale Funding Sources Registered Public Accounting Firm
Registrants Telephone Number Including Area Code Regulation
Regulation Compliance Regulation Disclosure
Regulatory Compliance Regulatory Contractual Restrictions Limit Prevent Paying Dividends Common
Related-party Transactions Remainder Page Intentionally Left Blank
Repayment Report Contains Forward-looking Statements Not Historical Facts Pertain
Report Independent Registered Public Accounting Firm Representations Warranties
Required Raise Additional Capital Future Not Available Needed Required Repurchase Mortgage Loans Some Circumstances Harm Liquidity
Resolved Shareholders Approve Compensation Sterlings Executive Officers Described Responsible Officer
Restriction Business Banking Loans Restrictions Activities State-chartered Associations
Restrictions Capital Distributions Savings Associations Results Operations Financial Condition
Return Average Assets Ratio Revenues
Revoke Proxy Risks Associated Potential Acquisitions
Role Compensation Consultant Role Personnel Committee
Role Sterling039s Management Role Sterlings Management
Rward-looking Statements Safety Soundness8212protecting Deposits
Sarbanes-oxley Act Sarbanes-oxley Act 2002
Savings Loan Holding Regulation Schedule
Schedule 501 Schedule 702
Searchable Text Graphics Shown Above Sec
Secondary Market Activities Securities Exchange
Securities Sold Subject Repurchase Agreements Funds Purchased Security Documents
Security Ownership Certain Beneficial Owners See Accompanying Summary Significant Accounting Policies Notes Consolidated
Senior Debt Seq
Shareholder Proposals Shareholder Proposals 2010 Annual Meeting
Shareholder Return Comparison Shareholders
Shareholders Equity Shares Common Stock Held Sterlings 401 Employee Savings
Shares Eligible Future Sale Dilutive Effect Shares Present Hold Meeting
Signature Signature Page Binding Arbitration Agreement
Signatures Significant Portion Unrealized Losses Sterlings Portfolio Investment Securities
Single-family Mortgages Small-business Loans
Solvent Soundness Other Financial Institutions Adversely Affect
Special Manager Meeting 800 Today Monday Spokane Washington 99201
Spotlight Hometown Helpful Ssb Order Limits Types Funding Sources Rely Negative
Ssb Order Result Loss Deposits Negative Impact Liquidity State Law Regulation
Sterling Sterling Expanding Lending Activities Riskier Areas
Sterling Financial Corporation Sterling Financial Corporation Spokane Wash Affirms Officer Appointments
Sterling Financial Corporation Spokane Washington Sterling Financial Corporation Spokane Washington Announces 2005 Year-end
Sterling Financial Corporation Spokane Washington Announces 2008 Earnings Sterling Financial Corporation Spokane Washington Announces 2009 Results
Sterling Financial Corporation Spokane Washington Announces Agreement Regulators Sterling Financial Corporation Spokane Washington Announces Appointment Donald
Sterling Financial Corporation Spokane Washington Announces Definitive Agreement Sterling Financial Corporation Spokane Washington Announces Dividend Reinvestment
Sterling Financial Corporation Spokane Washington Announces Executive Appointments Sterling Financial Corporation Spokane Washington Announces Filing Universal
Sterling Financial Corporation Spokane Washington Announces Record 2004 Sterling Financial Corporation Spokane Washington Issues Report Community
Sterling Financial Corporation Spokane Washington Provides 2008 Guidance Sterling Financial Corporation Spokane Washington Secures Credit Facility
Sterling Financial Corporation Summary Significant Accounting Policies 2007 Sterling Held Responsible Environmental Liabilities Properties Acquired Through
Sterling Increases Lending Capital Purchase Program Funds Sterling Not Able Replace Key Members Management Attract
Sterling Not Able Successfully Implement Internal Growth Strategy Sterling Operations Interrupted Third-party Service Providers Experience Difficulty
Sterling Proposing Increase Authorized Shares Common Stock Sterling Realize Losses Investment Securities Future Periods Management
Sterling Savings Bank Sterling Savings Bank Spokane Washington Announces Heidi Stanley
Sterling Shifted Focus Community Banking Sterling039s Banking Business Highly Regulated
Sterling039s Cost Funds Increase Result Change Variables Sterling039s Earnings Significantly Affected Monetary Policies Governmental Regulatory
Sterling039s Internal Control Systems Fail Detect Certain Events Sterling039s Loan Originations Highly Concentrated Certain Types Loans
Sterling039s Stock Price Volatile Sterling8217s Loan Portfolio
Sterlings Banking Business Highly Regulated Sterlings Cost Funds Increase Result Change Variables
Sterlings Cost Funds Increase Result General Economic Conditions Sterlings Earnings Significantly Affected Monetary Policies Governmental Regulatory
Sterlings Internal Control Systems Fail Detect Certain Events Sterlings Loan Originations Highly Concentrated Certain Types Loans
Sterlings Stock Price Been Volatile Sterlings Stock Price Volatile
Sterlings Stock Transactions Handled American Transfer Trust Communications Stock Market Dividend Information
Stock Split Cash Dividend Stock-based Compensation
Strategy Strong Growth Mortgage Banking Operations Income
Submitted Audit Committee Board Directors Sterling Financial Corporation Subsequent Event
Subsequent Events Subsidiaries
Subsidiaries Sterling Subsidiary
Substantial Decline Value Federal Home Loan Bank Fhlb Such Discharge Release Security Documents Shall Form Substance
Supplemental Executive Retirement Plan Supporting Communities
Table Contents Tarp Compensation Standards
Tax Fees Taxes
Temporary Liquidity Guarantee Program Tlgp Termination Reduction Commitments
Timated Cost Savings Timated Restructuring Costs
Total Borrowed Amount Total Commitment
Total Loan Assets Tranche
Transactions Understanding Capital Purchase Plan Cpp
Unfunded Vested Liabilities Unrestricted Subsidiary
Update Capital Purchase Program Update Sterling Financial Corporation8217s Capital Purchase Program Report
Usa Patriot Act Vote Electronically Via Internet Telephone
Vote Special Meeting Voting Electronically Via Internet Telephone
Voting Proxies Washington 20549
Washington State Bank Charter What Quorum Not Present Meeting
What Recommendation Board Directors Regard Proposals What Shares Held Street Name
What Vote Required Approve Proposal Approval Adjournment Special What Vote Required Approve Proposal Approval Amendment Sterlings
William Eisenhart Withholding Additional Costs
Witness Whereof Wwwsecgov
Wwwsterlingsavingsbankcom 
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