EXHIBIT 12.2

STERLING FINANCIAL CORPORATION
COMPUTATION OF RETURN ON AVERAGE ASSETS

For the Year Ended December 31, 2007

	Total Assets
	YTD
12/31/2006		9,834,492,000
01/31/2007		9,884,332,151
02/28/2007		9,911,167,475
03/31/2007		11,399,621,000
04/30/2007		11,477,465,173
05/31/2007		11,512,766,103
06/30/2007		11,463,647,000
07/31/2007		11,576,844,075
08/31/2007		11,598,507,182
09/30/2007		11,746,915,000
10/31/2007		11,917,501,023
11/30/2007		12,003,521,479
12/31/2007		12,149,775,060
		146,476,554,721
Number of Months		13
Average		11,267,427,286
Net Income	$	93,288,520
ROA		0.83	%