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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, 2022
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 1400 
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: 217,053,322 shares outstanding as of October 27, 2022.


UMPQUA HOLDINGS CORPORATION 
FORM 10-Q 
Table of Contents 
 
Item 1.
Item 2.
Item 3.
Item 4.
Item 1.
Item 1A.
Item 2.
Item 3.
Item 4.
Item 5.
Item 6.

2

GLOSSARY OF DEFINED TERMS
ACLAllowance for credit losses
ASUAccounting Standards Update
BankUmpqua Bank
Bank MergerThe proposed merger of Columbia State Bank, a Washington state-chartered bank and a wholly owned subsidiary of Columbia, with the Bank, with the Bank as the surviving bank
Basel IIIBasel capital framework (third accord)
CECLCurrent Expected Credit Losses
ColumbiaColumbia Banking System, Inc.
CompanyUmpqua Holdings Corporation
COVID-19Coronavirus Disease 2019
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.
FOMCFederal Open Market Committee
GAAPGenerally accepted accounting principles
GDPGross Domestic Product
GNMAGovernment National Mortgage Association
HELOCHome equity line of credit
LGDLoss given default
LIBORLondon Inter-Bank Offered Rate
Mergers
Merger Sub will merge with and into Umpqua, with Umpqua as the surviving entity, and immediately following such merger, Umpqua will merge with and into Columbia, with Columbia as the surviving corporation.
Merger Agreement
Agreement and Plan of Merger dated as of October 11, 2021, by and among the Company, Columbia, and Merger Sub
Merger Sub
Cascade Merger Sub, Inc., a Delaware corporation and a direct, wholly owned subsidiary of Columbia
MSRMortgage servicing rights
PDProbability of default
PPPPaycheck Protection Program
SBASmall Business Administration
SECSecurities and Exchange Commission
SOFRSecured Overnight Financing Rate
TDRTroubled debt restructuring
UmpquaUmpqua Holdings Corporation and its subsidiaries

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, 2022December 31, 2021
ASSETS  
Cash and due from banks (restricted cash of $13,813 and $3,593)
$321,447 $222,015 
Interest bearing cash and temporary investments (restricted cash of $13,410 and $400)
1,232,412 2,539,606 
Total cash and cash equivalents1,553,859 2,761,621 
Investment securities  
Equity and other, at fair value72,277 81,214 
Available for sale, at fair value3,136,391 3,870,435 
Held to maturity, at amortized cost2,547 2,744 
Loans held for sale, at fair value148,275 353,105 
Loans and leases (at fair value: $284,900 and $345,634)
25,507,951 22,553,180 
Allowance for credit losses on loans and leases(283,065)(248,412)
Net loans and leases25,224,886 22,304,768 
Restricted equity securities40,993 10,916 
Premises and equipment, net165,305 171,125 
Operating lease right-of-use assets81,729 82,366 
Other intangible assets, net5,764 8,840 
Residential mortgage servicing rights, at fair value196,177 123,615 
Bank owned life insurance329,699 327,745 
Deferred tax asset, net128,120  
Other assets385,938 542,442 
Total assets$31,471,960 $30,640,936 
LIABILITIES AND SHAREHOLDERS' EQUITY  
Deposits  
Non-interest bearing$11,246,358 $11,023,724 
Interest bearing15,570,749 15,570,961 
Total deposits26,817,107 26,594,685 
Securities sold under agreements to repurchase383,569 492,247 
Borrowings756,214 6,329 
Junior subordinated debentures, at fair value325,744 293,081 
Junior subordinated debentures, at amortized cost87,870 88,041 
Operating lease liabilities95,512 95,427 
Deferred tax liability, net 4,353 
Other liabilities588,430 317,503 
Total liabilities29,054,446 27,891,666 
COMMITMENTS AND CONTINGENCIES (NOTE 6)
SHAREHOLDERS' EQUITY  
Common stock, no par value, shares authorized: 400,000,000 in 2022 and 2021; issued and outstanding: 217,052,952 in 2022 and 216,625,506 in 2021
3,448,007 3,444,849 
Accumulated deficit(580,933)(697,338)
Accumulated other comprehensive (loss) income(449,560)1,759 
Total shareholders' equity2,417,514 2,749,270 
Total liabilities and shareholders' equity$31,471,960 $30,640,936 

See notes to condensed consolidated financial statements
4

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF INCOME 
(UNAUDITED) 
Three Months EndedNine Months Ended
 (in thousands, except per share amounts)September 30, 2022September 30, 2021September 30, 2022September 30, 2021
INTEREST INCOME    
Interest and fees on loans and leases$278,830 $224,403 $727,908 $669,014 
Interest and dividends on investment securities:    
Taxable18,175 16,102 54,156 43,833 
Exempt from federal income tax1,322 1,470 4,063 4,491 
Dividends86 213 256 1,216 
Interest on temporary investments and interest bearing deposits5,115 1,237 9,387 2,635 
Total interest income303,528 243,425 795,770 721,189 
INTEREST EXPENSE    
Interest on deposits9,090 5,100 17,021 22,794 
Interest on securities sold under agreement to repurchase and federal funds purchased545 88 674 232 
Interest on borrowings798 149 897 2,787 
Interest on junior subordinated debentures5,491 3,014 12,641 9,108 
Total interest expense15,924 8,351 31,233 34,921 
Net interest income287,604 235,074 764,537 686,268 
 PROVISION (RECAPTURE) FOR CREDIT LOSSES 27,572 (18,919)51,068 (41,915)
Net interest income after provision (recapture) for credit losses260,032 253,993 713,469 728,183 
NON-INTEREST INCOME    
Service charges on deposits12,632 10,941 36,226 30,898 
Card-based fees9,115 9,111 28,353 26,759 
Brokerage revenue27 31 65 5,081 
Residential mortgage banking revenue, net17,341 34,150 108,671 143,626 
Gain on sale of debt securities, net  2 4 
Loss on equity securities, net(2,647)(343)(7,383)(1,045)
Gain on loan and lease sales, net1,525 4,208 5,165 10,899 
Bank owned life insurance income2,023 2,038 6,220 6,201 
Other (losses) income(10,571)13,569 (12,670)51,157 
Total non-interest income29,445 73,705 164,649 273,580 
NON-INTEREST EXPENSE    
Salaries and employee benefits109,164 117,636 333,244 363,343 
Occupancy and equipment, net35,042 33,944 104,430 103,236 
Communications2,542 2,866 7,881 8,633 
Marketing1,505 1,651 5,552 5,077 
Services13,355 12,017 39,094 36,279 
FDIC assessments3,007 2,136 10,477 6,342 
Intangible amortization1,025 1,130 3,076 3,390 
Merger related expenses769  5,719  
Other expenses11,555 12,373 30,495 34,445 
Total non-interest expense177,964 183,753 539,968 560,745 
Income before provision for income taxes111,513 143,945 338,150 441,018 
Provision for income taxes27,473 35,879 84,362 109,072 
Net income$84,040 $108,066 $253,788 $331,946 
Earnings per common share:    
Basic$0.39 $0.49 $1.17 $1.51 
Diluted$0.39 $0.49 $1.17 $1.51 
Weighted average number of common shares outstanding:    
Basic217,051 218,416 216,955 219,791 
Diluted217,386 218,978 217,353 220,278 
See notes to condensed consolidated financial statements
5

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(UNAUDITED)  
Three Months EndedNine Months Ended
 (in thousands)September 30, 2022September 30, 2021September 30, 2022September 30, 2021
Net income$84,040 $108,066 $253,788 $331,946 
Available for sale securities:    
Unrealized losses arising during the period(186,336)(29,009)(575,781)(93,533)
Income tax benefit related to unrealized losses47,926 7,463 148,091 24,058 
Reclassification adjustment for net realized gains in earnings  (2)(4)
Income tax expense related to realized gains  1 1 
Net change in unrealized losses for available for sale securities(138,410)(21,546)(427,691)(69,478)
Junior subordinated debentures, at fair value:
Unrealized losses arising during the period(4,043)(11,946)(31,810)(44,504)
Income tax benefit related to unrealized losses1,040 3,072 8,182 11,446 
Net change in unrealized losses for junior subordinated debentures, at fair value(3,003)(8,874)(23,628)(33,058)
Other comprehensive loss, net of tax(141,413)(30,420)(451,319)(102,536)
Comprehensive (loss) income $(57,373)$77,646 $(197,531)$229,410 

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 (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 plans 408,700     
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 2,377   2,377 
Stock repurchased and retired(957)(18)  (18)
Issuances of common stock under stock plans136,206 34   34 
Cash dividends on common stock ($0.21 per share)
  (46,586) (46,586)
Balance at June 30, 2021220,626,452 $3,517,641 $(801,954)$50,629 $2,766,316 
Net income  108,066  108,066 
Other comprehensive loss, net of tax   (30,420)(30,420)
Stock-based compensation 2,765   2,765 
Stock repurchased and retired(4,011,808)(78,321)  (78,321)
Issuances of common stock under stock plans7,159     
Cash dividends on common stock ($0.21 per share)
  (46,027) (46,027)
Balance at September 30, 2021216,621,803 $3,442,085 $(739,915)$20,209 $2,722,379 
Net income88,354 88,354 
Other comprehensive loss, net of tax(18,450)(18,450)
Stock-based compensation2,800 2,800 
Stock repurchased and retired(1,790)(36)(36)
Issuances of common stock under stock plans5,493   
Cash dividends on common stock ($0.21 per share)
(45,777)(45,777)
Balance at December 31, 2021216,625,506 $3,444,849 $(697,338)$1,759 $2,749,270 




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, 2022216,625,506 $3,444,849 $(697,338)$1,759 $2,749,270 
Net income  91,157  91,157 
Other comprehensive loss, net of tax   (185,515)(185,515)
Stock-based compensation 2,454   2,454 
Stock repurchased and retired(194,792)(4,037)  (4,037)
Issuances of common stock under stock plans536,157     
Cash dividends on common stock ($0.21 per share)
  (45,731) (45,731)
Balance at March 31, 2022216,966,871 $3,443,266 $