Umpqua Holdings Corporation (UMPQ)

        On September 28, 2006, Umpqua Holdings Corporation issued a press release announcing that it will conduct a quarterly earnings conference call Thursday, October 19, 2006 at 10:00 a.m. PDT (1:00 p.m. EDT) where the Company will discuss third quarter results and provide an update on recent activities. There will be a question-and-answer session following the presentation. Interested parties are invited to join the call by dialing 888-577-8991; the password is "UMPQUA." A rebroadcast will be available approximately one hour after the conference call by dialing 800-944-0912, or by visiting www.umpquaholdingscorp.com. Information to be discussed in the teleconference will be available on the company's Web site prior to the call. A copy of the press release is attached as Exhibit 99.1.

SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

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Item 7.01     Regulation FD Disclosure.

        On March 21, 2006, Umpqua Holdings Corporation issued a press release announcing the declaration of a cash dividend of $0.12 per common share payable on April 14, 2006 to all shareholders of record as of March 31, 2006.

        Umpqua also announced that it will conduct a quarterly earnings conference call Thursday, April 20, 2005 at 10:00 a.m. PST (1:00 p.m. EST) to discuss first quarter results and provide an update on recent activities. Interested parties are invited to join the call by dialing 888-795-2173; the password is "UMPQUA." A rebroadcast will be available approximately one hour after the conference call by dialing 800-945-1674, or by visiting www.umpquaholdingscorp.com.

        A copy of the press release is attached as Exhibit 99.1.

Item 7.01         Regulation FD Disclosure.

        On Tuesday, March 14, 2006, beginning at approximately 3:50 p.m. Eastern Time, Daniel A. Sullivan, Executive Vice President and Chief Financial Officer, and David M. Edson, President Umpqua Bank Oregon, will give a presentation of Umpqua's business strategies and financial performance at the Cohen Bros. & Company Second Annual Investors Conference at the Mandarin Oriental, New York City, New York.

        The presentation will be available via live web cast; individuals may register to listen to the web cast at http://www.cohen-bros.com/Conference2006-schedule.asp.

        A copy of the investor presentation is attached as Exhibit 99.1 and will be posted on Umpqua's web site at www.umpquaholdingscorp.com.

SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

Item 7.01     Regulation FD Disclosure.

        On Thursday, March 9, 2006, beginning at approximately 10:10 a.m., Pacific Time, Umpqua Holdings Corporation Chief Executive Officer Raymond P. Davis will participate in a panel discussion at Sandler O'Neill & Partners, L.P. 2006 West Coast Financial Services Conference at the Four Seasons Resort, Aviara, North San Diego, California. The conference can be attend in person by invitation only. A simultaneous webcast of the panel discussions will be available at no charge and can be accessed via http://www.sandleroneill.com or http://www.iian.ibeam.com/events/thom001/15074/ with registration through Sandler O'Neill. The link will also be available on Umpqua's website at http://www.umpquaholdingscorp.com. The conference will also be available via audio conference at 866-362-5158; no passcode is required.

SIGNATURES 

        Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

Item 7.01    Regulation FD Disclosure.

On February 8, 2006, Umpqua Holdings Corporation issued a press release announcing that it will hold a joint conference call with Western Sierra Bancorp on Wednesday, February 8, 2006, at 9:00 a.m. PDT, where the Umpqua and Western Sierra will discuss the announcement of the proposed acquisition of Western Sierra. A copy of the press release is attached as Exhibit 99.1. To participate in the conference call, please call 888-455-9650. The password is UMPQUA. A rebroadcast of the teleconference will be available at 800-938-1132, until February 15 at 5:00 p.m. You may also listen to a rebroadcast as well as access a more detailed transaction overview at www.umpquaholdingscorp.com.

Umpqua Holdings Corporation is posting at 9:00 a.m. PDT (noon EDT) an investor presentation on its investor relations web site at www.umpquaholdingscorp.com with additional information about the acquisition. A copy of the presentation is attached as Exhibit 99.3.

On February 8, 2006, Umpqua Holdings Corporation and Western Sierra Bancorp sent letters to their respective shareholders and to Western Sierra employees along with question and answer information sheets with additional information about the proposed acquisition. The Umpqua shareholder letter is attached as Exhibit 99.4, the Western Sierra shareholder letter is attached as Exhibit 99.5, the Umpqua shareholder question and answer sheet is attached as Exhibit 99.6, the Western Sierra shareholder question and answer sheet is attached as Exhibit 99.7, a letter to Western Sierra employees from Western Sierra President and Chief Executive Officer Gary D. Gall is attached as Exhibit 99.8, a letter to Western Sierra employees from Umpqua President and Chief Executive Officer Raymond P. Davis is attached as Exhibit 99.9, the question and answer information sheet to Western Sierra employees is attached as Exhibit 99.10, and a letter to members of Umpqua Bank's divisional boards is attached as Exhibit 99.11.

Item 7.01         Regulation FD Disclosure.

        On January 4, 2006, Umpqua Holdings Corporation issued a press release announcing that it will hold a quarterly earnings conference call Wednesday, January 25, 2006 at 10:00 a.m. PDT (1:00 p.m. EDT) where the Company will discuss fourth quarter and year-end results and provide an update on recent activities. A copy of the press release, including dial-in information for the conference call, is attached as Exhibit 99.1.

 SIGNATURES 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

Item 7.01            Regulation FD Disclosure.

            On December 22, 2005, Umpqua Holdings Corporation issued a press release announcing the declaration of a cash dividend of $0.12 per common share payable on January 13, 2006 to all shareholders of record as of December 30, 2005. A copy of the press release is attached as Exhibit 99.1.

SIGNATURES

            Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

Item 7.01    Regulation FD Disclosure.

            On September 7, 2005, Umpqua Holdings Corporation issued a press release announcing the declaration of a cash dividend of $0.08 per common share payable on October 15, 2005 to all shareholders of record as of September 30, 2005, and that it will hold a quarterly earnings conference call Thursday, October 20, 2005 at 10:00 a.m. PDT (1:00 p.m. EDT) where the Company will discuss third quarter results and provide an update on recent activities. A copy of the press release, including dial—in information for the conference call, is attached as Exhibit 99.1.

Item 7.01         Regulation FD Disclosure.

        On Tuesday, July 26, 2005, beginning at approximately 2:00 p.m., Eastern Time, Umpqua Holdings Corporation Chief Executive Officer Raymond P. Davis will give a presentation of Umpqua's business strategies and financial performance at KBW Honor Roll and Sixth Annual Community Bank Investor Conference at the Pierre Hotel in New York, New York. The presentation is available via live audio web cast at www.umpquaholdingscorp.com and at http://www.kbw.com/community bank.htm with advance registration at no charge. The slides to be presented by Mr. Davis are attached as Exhibit 99.1.

SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this reported to be signed on its behalf of the undersigned hereunto duly authorized.

EXHIBIT 99.1

Item 7.01    Regulation FD Disclosure.

     On June 9, 2005, Umpqua Holdings Corporation issued a press release announcing the declaration of a cash dividend of $0.06 per common share payable on July 15, 2005 to all shareholders of record as of June 30, 2005, and that it will hold a quarterly earnings conference call Thursday, July 21, 2005 at 10:00 a.m. PDT (1:00 p.m. EDT) where the Company will discuss second quarter results and provide an update on recent activities. A copy of the press release is attached as Exhibit 99.1.

Item 7.01    Regulation FD Disclosure.

     On June 8, 2005, Umpqua Holdings Corporation announced the expansion and extension of its stock repurchase program. The company's Board of Directors approved an amendment increasing the number of common shares that may be purchased under the program from 1.5 million to 2.5 million shares and extended the repurchase authorization to June 30, 2007.

    A copy of the press release is attached as Exhibit 99.1

Item 7.01        Regulation FD Disclosure.

         On Tuesday, May 3, 2005, beginning at approximately 9:00 a.m., Pacific Time, Umpqua Holdings Corporation Chief Executive Officer Raymond P. Davis will give a presentation of Umpqua's business strategies and financial performance at D.A. Davidson's 2005 Seventh Annual Financial Services Conference in at the Bell Harbor Conference Center, Seattle, Washington.

         The presentation is available via live audio web cast at www.umpquaholdingscorp.com and at http://wsw.com/webcast/dadco3/umpq/ with advance registration at no charge. The slides presented by Mr. Davis are attached as Exhibit 99.1.

Item 7.01         Regulation FD Disclosure.

        On Thursday, March 3, 2005, beginning at 8:00 a.m. Eastern Time, Umpqua Holdings Corporation Chief Financial Officer Daniel A. Sullivan will give a presentation of Umpqua's business strategies and financial performance at Keefe, Bruyette & Woods' 2005 Regional Bank Conference in Boston, Massachusetts.

        The presentation is available via live web cast-individuals may register to listen to the web cast at http://www.kbw.com/regionalConference.htm.

        A copy of the investor presentation is attached as Exhibit 99.1.