Performance Ratios (%) UMPQ Peer Median Peer Average
ROAA 0.94 1.38 1.31
ROAE 5.91 10.90 11.75
Net Interest Margin 3.88 3.56 3.72
Efficiency Ratio 61.86 43.68 49.00
Loans / Deposits 94.09 73.80 76.91
Asset Quality Ratios (%)
NPAs / Assets 0.37 0.42 0.55
NCOs / Avg Loans 0.23 0.09 0.09
Reserves / Loans 0.73 1.12 1.12
Reserves / NPAs 147.55 148.30 159.34
Capital Ratios (%)
Tier 1 Capital 11.09 13.27 13.47
Tangible Equity / Tangible Assets 9.07 9.40 9.68
Total Equity / Total Assets 15.51 10.77 11.64
Market Ratios
Price / Earnings (x) 20.97 19.94 21.09
Price / Book (%) 122.84 249.38 239.57
Dividend Yield (%) 3.24 2.30 1.81
Data for trailing four quarters

Umpqua Holdings Corporation's peer group consists of the following: Bank of Hawaii Corporation (BOH), Cathay General Bancorp (CATY), Central Pacific Financial Corp. (CPF), CVB Financial Corp. (CVBF), PacWest Bancorp (PACW), SVB Financial Group (SIVB), Western Alliance Bancorporation (WAL)

Umpqua Holdings Corporation's financial data is as of 9/30/2017.

Peer financial data is as of 9/30/2017