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United States  
Securities and Exchange Commission 
Washington, D.C. 20549 
 
FORM 10-Q

Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
for the quarterly period ended:
September 30, 2021
or
Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 
for the transition period from                                        to                                       .
 
Commission File Number: 001-34624 
 
Umpqua Holdings Corporation 
(Exact Name of Registrant as Specified in Its Charter)
Oregon93-1261319 
(State or Other Jurisdiction(I.R.S. Employer Identification Number)
of Incorporation or Organization) 
 
One SW Columbia Street, Suite 1200 
Portland, Oregon 97204 
(Address of Principal Executive Offices)(Zip Code) 
 
(503727-4100 
(Registrant's Telephone Number, Including Area Code) 

Securities registered pursuant to Section 12(b) of the Act:
TITLE OF EACH CLASSTRADING SYMBOLNAME OF EXCHANGE
Common StockUMPQThe NASDAQ Global Select Market

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.       Yes      No 
 
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).       Yes      No 
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.
   Large accelerated filer      Accelerated filer      Non-accelerated filer  
    Smaller reporting company    Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to section 13(a) of the Exchange Act.
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes      No 

Indicate the number of shares outstanding for each of the issuer's classes of common stock, as of the latest practical date:
Common stock, no par value: 216,621,803 shares outstanding as of October 31, 2021


UMPQUA HOLDINGS CORPORATION 
FORM 10-Q 
Table of Contents 

2

GLOSSARY OF DEFINED TERMS
ACLAllowance for credit losses
ASUAccounting Standards Update
ATMAutomated teller machine
BankUmpqua Bank
Basel IIIBasel capital framework (third accord)
CECLCurrent Expected Credit Losses
ColumbiaColumbia Banking System, Inc.
CompanyUmpqua Holdings Corporation and its subsidiaries
CVACredit valuation adjustments
DCFDiscounted cash flow
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveBoard of Governors of the Federal Reserve System
FHLBFederal Home Loan Bank
FinPacFinancial Pacific Leasing, Inc.
GAAPGenerally accepted accounting principles
GDPGross Domestic Product
GNMAGovernment National Mortgage Association
HELOCHome equity line of credit
LGDLoss given default
LIBORLondon Inter-Bank Offered Rate
Merger
Merger Sub will merge with and into Umpqua, with Umpqua surviving
Merger Agreement
Agreement dated as of October 11, 2021, by and among Umpqua, Columbia, and Cascade Merger Sub, Inc., a Delaware corporation and a direct, wholly owned subsidiary of Columbia
Merger Sub
Cascade Merger Sub, Inc., a Delaware corporation and a direct, wholly owned subsidiary of Columbia
MSRMortgage servicing rights
NOLNet operating loss
N/MNot meaningful
PDProbability of default
PPPPaycheck Protection Program
SBASmall Business Administration
SECSecurities and Exchange Commission
Surviving EntityMerger Sub will merge with and into Umpqua, with Umpqua surviving the Merger
TDRTroubled debt restructuring
USDAUnited States Department of Agriculture

3

PART I.       FINANCIAL INFORMATION
Item 1.         Financial Statements (unaudited) 

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED BALANCE SHEETS 
(UNAUDITED)
(in thousands, except shares)September 30, 2021December 31, 2020
ASSETS  
Cash and due from banks (restricted cash of $89,006 and $92,955)
$395,555 $370,219 
Interest bearing cash and temporary investments (restricted cash of $357 and $2,574)
3,349,034 2,202,962 
Total cash and cash equivalents3,744,589 2,573,181 
Investment securities  
Equity and other, at fair value81,575 83,077 
Available for sale, at fair value3,723,171 2,932,558 
Held to maturity, at amortized cost2,795 3,034 
Loans held for sale (at fair value: $352,466 and $688,079)
352,466 766,225 
Loans and leases (at fair value: $353,912 and $0)
21,969,940 21,779,367 
Allowance for credit losses on loans and leases(257,560)(328,401)
Net loans and leases21,712,380 21,450,966 
Restricted equity securities10,946 41,666 
Premises and equipment, net172,624 178,050 
Operating lease right-of-use assets88,379 104,937 
Goodwill  2,715 
Other intangible assets, net9,970 13,360 
Residential mortgage servicing rights, at fair value105,834 92,907 
Bank owned life insurance325,646 323,470 
Deferred tax asset, net8,402  
Other assets552,702 669,029 
Total assets$30,891,479 $29,235,175 
LIABILITIES AND SHAREHOLDERS' EQUITY  
Deposits  
Non-interest bearing$11,121,127 $9,632,773 
Interest bearing15,787,270 14,989,428 
Total deposits26,908,397 24,622,201 
Securities sold under agreements to repurchase467,760 375,384 
Borrowings6,367 771,482 
Junior subordinated debentures, at fair value299,508 255,217 
Junior subordinated debentures, at amortized cost88,098 88,268 
Operating lease liabilities100,557 113,593 
Deferred tax liability, net 5,441 
Other liabilities298,413 299,012 
Total liabilities28,169,100 26,530,598 
COMMITMENTS AND CONTINGENCIES (NOTE 6)
SHAREHOLDERS' EQUITY  
Common stock, no par value, shares authorized: 400,000,000 in 2021 and 2020; issued and outstanding: 216,621,803 in 2021 and 220,226,335 in 2020
3,442,085 3,514,599 
Accumulated deficit(739,915)(932,767)
Accumulated other comprehensive income20,209 122,745 
Total shareholders' equity2,722,379 2,704,577 
Total liabilities and shareholders' equity$30,891,479 $29,235,175 

See notes to condensed consolidated financial statements
4

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS 
(UNAUDITED) 
Three Months EndedNine Months Ended
 (in thousands, except per share amounts)September 30, 2021September 30, 2020September 30, 2021September 30, 2020
INTEREST INCOME    
Interest and fees on loans and leases$224,403 $229,457 $669,014 $710,624 
Interest and dividends on investment securities:    
Taxable16,102 10,168 43,833 35,788 
Exempt from federal income tax1,470 1,490 4,491 4,572 
Dividends213 710 1,216 1,956 
Interest on temporary investments and interest bearing deposits1,237 474 2,635 4,208 
Total interest income243,425 242,299 721,189 757,148 
INTEREST EXPENSE    
Interest on deposits5,100 19,121 22,794 85,633 
Interest on securities sold under agreement to repurchase and federal funds purchased88 84 232 673 
Interest on borrowings149 3,271 2,787 11,156 
Interest on junior subordinated debentures3,014 3,249 9,108 12,074 
Total interest expense8,351 25,725 34,921 109,536 
Net interest income235,074 216,574 686,268 647,612 
(RECAPTURE) PROVISION FOR CREDIT LOSSES (18,919)(338)(41,915)204,832 
Net interest income after (recapture) provision for credit losses253,993 216,912 728,183 442,780 
NON-INTEREST INCOME    
Service charges on deposits10,941 10,405 30,898 30,635 
Card-based fees9,111 7,118 26,759 20,436 
Brokerage revenue31 3,686 5,081 11,506 
Residential mortgage banking revenue, net34,150 90,377 143,626 191,794 
Gain on sale of debt securities, net  4 190 
(Loss) gain on equity securities, net(343)(112)(1,045)942 
Gain on loan and lease sales, net4,208 1,092 10,899 3,333 
Bank owned life insurance income2,038 2,087 6,201 6,332 
Other income13,569 17,271 51,157 22,881 
Total non-interest income73,705 131,924 273,580 288,049 
NON-INTEREST EXPENSE    
Salaries and employee benefits117,636 120,337 363,343 346,787 
Occupancy and equipment, net33,944 36,720 103,236 109,892 
Communications2,866 2,943 8,633 9,010 
Marketing1,651 1,859 5,077 6,148 
Services12,017 13,193 36,279 34,319 
FDIC assessments2,136 2,989 6,342 9,502 
Intangible amortization1,130 1,247 3,390 3,740 
Goodwill impairment   1,784,936 
Other expenses12,373 10,919 34,445 30,441 
Total non-interest expense183,753 190,207 560,745 2,334,775 
Income (loss) before provision for income taxes143,945 158,629 441,018 (1,603,946)
Provision for income taxes35,879 33,758 109,072 70,204 
Net income (loss)$108,066 $124,871 $331,946 $(1,674,150)
Earnings (loss) per common share:    
Basic$0.49 $0.57 $1.51 ($7.60)
Diluted$0.49 $0.57 $1.51 ($7.60)
Weighted average number of common shares outstanding:    
Basic218,416 220,221 219,791 220,216 
Diluted218,978 220,418 220,278 220,216 

5



UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(UNAUDITED) 
 
Three Months EndedNine Months Ended
 (in thousands)September 30, 2021September 30, 2020September 30, 2021September 30, 2020
Net income (loss)$108,066 $124,871 $331,946 $(1,674,150)
Available for sale securities:    
Unrealized (losses) gains arising during the period(29,009)2,996 (93,533)115,327 
Income tax benefit (expense) related to unrealized (losses) gains7,463 (771)24,058 (29,663)
Reclassification adjustment for net realized gains in earnings  (4)(190)
Income tax expense related to realized gains  1 49 
Net change in unrealized (losses) gains for available for sale securities(21,546)2,225 (69,478)85,523 
Junior subordinated debentures, at fair value:
Unrealized (losses) gains arising during the period(11,946)(14,555)(44,504)26,857 
Income tax benefit (expense) related to unrealized gains3,072 3,744 11,446 (6,907)
Net change in unrealized (losses) gains for junior subordinated debentures, at fair value(8,874)(10,811)(33,058)19,950 
Other comprehensive (loss) income, net of tax(30,420)(8,586)(102,536)105,473 
Comprehensive income (loss)$77,646 $116,285 $229,410 $(1,568,677)

See notes to condensed consolidated financial statements
6

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY  
(UNAUDITED)   
Common StockRetained Earnings (Accumulated Deficit)Accumulated Other Comprehensive Income 
 (in thousands, except shares)SharesAmountTotal
Balance at January 1, 2020220,229,282 $3,514,000 $770,366 $29,549 $4,313,915 
Net loss  (1,851,947) (1,851,947)
Other comprehensive income, net of tax   138,722 138,722 
Stock-based compensation 2,253   2,253 
Stock repurchased and retired(486,757)(8,573)  (8,573)
Issuances of common stock under stock plans 432,595     
Cash dividends on common stock ($0.21 per share)
  (46,578) (46,578)
Cumulative effect adjustment (1)
(40,181)(40,181)
Balance at March 31, 2020220,175,120 $3,507,680 $(1,168,340)$168,271 $2,507,611 
Net income  52,926  52,926 
Other comprehensive loss, net of tax   (24,663)(24,663)
Stock-based compensation 2,503   2,503 
Stock repurchased and retired(3,707)(38)  (38)
Issuances of common stock under stock plans47,694     
Balance at June 30, 2020220,219,107 $3,510,145 $(1,115,414)$143,608 $2,538,339 
Net income  124,871  124,871 
Other comprehensive loss, net of tax   (8,586)(8,586)
Stock-based compensation 2,025   2,025 
Stock repurchased and retired(1,523)(17)  (17)
Issuances of common stock under stock plans4,614     
Cash dividends on common stock ($0.21 per share)
  (46,388) (46,388)
Balance at September 30, 2020220,222,198 $3,512,153 $(1,036,931)$135,022 $2,610,244 
Net income150,730 150,730 
Other comprehensive loss, net of tax(12,277)(12,277)
Stock-based compensation2,473 2,473 
Stock repurchased and retired(2,022)(27)(27)
Issuances of common stock under stock plans6,159   
Cash dividends on common stock ($0.21 per share)
(46,566)(46,566)
Balance at December 31, 2020220,226,335 $3,514,599 $(932,767)$122,745 $2,704,577 


7

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
(Continued)
(UNAUDITED) 
Common StockRetained Earnings (Accumulated Deficit)Accumulated Other Comprehensive Income (Loss) 
 (in thousands, except shares)SharesAmountTotal
Balance at January 1, 2021220,226,335 $3,514,599 $(932,767)$122,745 $2,704,577 
Net income  107,737  107,737 
Other comprehensive loss, net of tax   (84,613)(84,613)
Stock-based compensation 2,964   2,964 
Stock repurchased and retired(143,832)(2,315)  (2,315)
Issuances of common stock under stock plans408,700     
Cash dividends on common stock ($0.21 per share)
  (46,481) (46,481)
Balance at March 31, 2021220,491,203 $3,515,248 $(871,511)$38,132 $2,681,869 
Net income  116,143  116,143 
Other comprehensive income, net of tax   12,497 12,497 
Stock-based compensation