Data for trailing four quarters For the definition of a financial field, select the field name below. Performance Ratios (%) UMPQ Peer Median Peer Average ROAA 0.87  1.19  0.31  ROAE 5.82  10.82  (5.87)  Net Interest Margin 3.93  3.27  3.78  Efficiency Ratio 63.40  56.14  59.30  Loans / Deposits 78.61  71.88  63.52  Asset Quality Ratios (%)       NPAs / Assets 1.29  2.29  1.96  NCOs / Avg Loans 0.42  0.21  0.25  Reserves / Loans 1.42  2.18  1.88  Reserves / NPAs 69.54  68.96  74.64  Capital Ratios (%)       Tier 1 Capital 15.65  16.12  16.36  Tangible Equity / Tangible Assets 9.72  11.56  11.07  Total Equity / Total Assets 15.09  11.68  11.01  Market Ratios       Price / Earnings (x) 15.48  15.86  14.48  Price / Book (%) 88.96  176.75  167.28  Dividend Yield (%) 2.90  0.00  1.14  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), Pacific Capital Bancorp (PCBC), PacWest Bancorp (PACW), Signature Group Holdings, Inc., SVB Financial Group (SIVB), Western Alliance Bancorporation (WAL) Umpqua Holdings Corporation's financial data is as of 3/31/2013. Peer financial data is as of 3/31/2013  except for these companies: Pacific Capital Bancorp's financial data is as of 9/30/2012. Signature Group Holdings, Inc.'s financial data is as of 9/30/2007. Copyright 2013, © SNL Financial LC  Terms of Use