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Section 1: 10-Q (10-Q)

umpq-20200331
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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: March 31, 2020
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 97258 
(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: 220,215,334 shares outstanding as of April 30, 2020


Table of Contents
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

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

UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED BALANCE SHEETS 
(UNAUDITED)
(in thousands, except shares)March 31, 2020December 31, 2019
ASSETS  
Cash and due from banks (restricted cash of $112,462 and $86,507)
$406,426  $382,598  
Interest bearing cash and temporary investments (restricted cash of $25,371 and $590)
1,251,290  980,158  
Total cash and cash equivalents1,657,716  1,362,756  
Investment securities  
Equity and other, at fair value80,797  80,165  
Available for sale, at fair value2,890,475  2,814,682  
Held to maturity, at amortized cost3,200  3,260  
Loans held for sale, at fair value481,541  513,431  
Loans and leases21,251,478  21,195,684  
Allowance for credit losses on loans and leases(291,420) (157,629) 
Net loans and leases20,960,058  21,038,055  
Restricted equity securities58,062  46,463  
Premises and equipment, net195,390  201,460  
Operating lease right-of-use assets115,485  110,718  
Goodwill 2,715  1,787,651  
Other intangible assets, net17,099  18,346  
Residential mortgage servicing rights, at fair value94,346  115,010  
Bank owned life insurance322,717  320,611  
Other assets660,781  434,201  
Total assets$27,540,382  $28,846,809  
LIABILITIES AND SHAREHOLDERS' EQUITY  
Deposits  
Noninterest bearing$7,169,907  $6,913,375  
Interest bearing15,529,468  15,568,129  
Total deposits22,699,375  22,481,504  
Securities sold under agreements to repurchase346,245  311,308  
Borrowings1,196,597  906,635  
Junior subordinated debentures, at fair value195,521  274,812  
Junior subordinated debentures, at amortized cost88,439  88,496  
Operating lease liabilities123,962  119,429  
Deferred tax liability, net51,061  52,928  
Other liabilities331,571  297,782  
Total liabilities25,032,771  24,532,894  
COMMITMENTS AND CONTINGENCIES (NOTE 6)
SHAREHOLDERS' EQUITY  
Common stock, no par value, shares authorized: 400,000,000 in 2020 and 2019; issued and outstanding: 220,175,120 in 2020 and 220,229,282 in 2019
3,507,680  3,514,000  
(Accumulated deficit) retained earnings(1,168,340) 770,366  
Accumulated other comprehensive income168,271  29,549  
Total shareholders' equity2,507,611  4,313,915  
Total liabilities and shareholders' equity$27,540,382  $28,846,809  

See notes to condensed consolidated financial statements
3

Table of Contents
UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS 
(UNAUDITED) 
Three Months Ended
 (in thousands, except per share amounts)March 31, 2020March 31, 2019
INTEREST INCOME  
Interest and fees on loans and leases$245,993  $258,747  
Interest and dividends on investment securities:  
Taxable16,605  19,956  
Exempt from federal income tax1,562  2,114  
Dividends678  517  
Interest on temporary investments and interest bearing deposits3,331  925  
Total interest income268,169  282,259  
INTEREST EXPENSE  
Interest on deposits40,290  34,094  
Interest on securities sold under agreement to repurchase and federal funds purchased395  810  
Interest on borrowings4,046  3,683  
Interest on junior subordinated debentures4,903  5,987  
Total interest expense49,634  44,574  
Net interest income218,535  237,685  
PROVISION FOR CREDIT LOSSES 118,085  13,684  
Net interest income after provision for credit losses100,450  224,001  
NON-INTEREST INCOME  
Service charges on deposits15,638  15,278  
Brokerage revenue4,015  3,810  
Residential mortgage banking revenue, net17,540  11,231  
Loss on sale of debt securities, net(133)   
Gain on equity securities, net814  695  
Gain on loan and lease sales, net1,167  769  
BOLI income2,129  2,168  
Other (expense) income(525) 11,789  
Total non-interest income40,645  45,740  
NON-INTEREST EXPENSE  
Salaries and employee benefits109,774  100,658  
Occupancy and equipment, net37,001  36,245  
Communications3,128  4,220  
Marketing2,530  2,726  
Services10,770  12,210  
FDIC assessments2,542  2,942  
Intangible amortization1,247  1,404  
Goodwill impairment1,784,936    
Other expenses10,730  11,187  
Total non-interest expense1,962,658  171,592  
(Loss) income before provision for income taxes(1,821,563) 98,149  
Provision for income taxes30,384  24,116  
Net (loss) income$(1,851,947) $74,033  
(Loss) earnings per common share:  
Basic($8.41) $0.34  
Diluted($8.41) $0.34  
Weighted average number of common shares outstanding:  
Basic220,216  220,366  
Diluted220,216  220,655  

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UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(UNAUDITED) 
 
Three Months Ended
 (in thousands)March 31, 2020March 31, 2019
Net (loss) income$(1,851,947) $74,033  
Available for sale securities:  
Unrealized gains arising during the period107,761  33,269  
Income tax expense related to unrealized gains(27,717) (8,557) 
Reclassification adjustment for net realized losses in earnings133    
Income tax benefit related to realized losses(34)   
Net change in unrealized gains for available for sale securities80,143  24,712  
Junior subordinated debentures, at fair value:
Unrealized gains arising during the period78,862  6,564  
Income tax expense related to unrealized gains(20,283) (1,644) 
Net change in unrealized gains for junior subordinated debentures, at fair value58,579  4,920  
Other comprehensive income, net of tax138,722  29,632  
Comprehensive (loss) income$(1,713,225) $103,665  

See notes to condensed consolidated financial statements
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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, 2019  220,255,039  $3,512,874  $602,482  $(58,914) $4,056,442  
Net income      74,033     74,033  
Other comprehensive income, net of tax         29,632  29,632  
Stock-based compensation   754        754  
Stock repurchased and retired(108,088) (1,918)       (1,918) 
Issuances of common stock under stock plans 310,257  21        21  
Cash dividends on common stock ($0.21 per share)
      (46,394)    (46,394) 
Cumulative effect adjustment (1)(244) (244) 
Balance at March 31, 2019  220,457,208  $3,511,731  $629,877  $(29,282) $4,112,326  
Net income      111,810     111,810  
Other comprehensive income, net of tax         48,395  48,395  
Stock-based compensation   2,722        2,722  
Stock repurchased and retired(4,113) (62)       (62) 
Issuances of common stock under stock plans45,589            
Cash dividends on common stock ($0.21 per share)
      (46,684)    (46,684) 
Balance at June 30, 2019  220,498,684  $3,514,391  $695,003  $19,113  $4,228,507  
Net income      84,502     84,502  
Other comprehensive income, net of tax         25,851  25,851  
Stock-based compensation   2,350        2,350  
Stock repurchased and retired(300,719) (5,248)       (5,248) 
Issuances of common stock under stock plans14,169            
Cash dividends on common stock ($0.21 per share)
      (46,446)    (46,446) 
Balance at September 30, 2019  220,212,134  $3,511,493  $733,059  $44,964  $4,289,516  
Net income83,750  83,750  
Other comprehensive loss, net of tax(15,415) (15,415) 
Stock-based compensation2,547  2,547  
Stock repurchased and retired(2,483) (40) (40) 
Issuances of common stock under stock plans19,631      
Cash dividends on common stock ($0.21 per share)
(46,443) (46,443) 
Balance at December 31, 2019  220,229,282  $3,514,000  $770,366  $29,549  $4,313,915  













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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, 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 plans432,595        
Cash dividends on common stock ($0.21 per share)
  (46,578)  (46,578) 
Cumulative effect adjustment (2) $(40,181) (40,181) 
Balance at March 31, 2020  220,175,120  $3,507,680  $(1,168,340) $168,271  $2,507,611  

(1) The cumulative effect adjustment relates to the implementation of new accounting guidance for leases on January 1, 2019.

(2) The cumulative effect adjustment relates to the implementation of new accounting guidance for the allowance for credit losses. Refer to Note 1 for discussion of the new accounting guidance.


See notes to condensed consolidated financial statements

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UMPQUA HOLDINGS CORPORATION AND SUBSIDIARIES 
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS 
(UNAUDITED) 

Three Months Ended
 (in thousands)March 31, 2020March 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:  
Net (loss) income$(1,851,947) $74,033  
Adjustments to reconcile net income to net cash used in operating activities:  
Goodwill impairment1,784,936    
Amortization of investment premiums, net3,040  1,829  
Loss on sale of investment securities, net133    
Provision for credit losses118,085  13,684  
Change in cash surrender value of bank owned life insurance(2,163) (2,135) 
Depreciation, amortization and accretion10,273  11,554  
Loss (gain) on sale of premises and equipment18  (195) 
Gain on store divestiture  (1,225) 
Additions to residential mortgage servicing rights carried at fair value(10,023) (3,887) 
Change in fair value of residential mortgage servicing rights carried at fair value30,687  13,966  
Stock-based compensation2,253  754  
Net decrease (increase) in equity and other investments182  (791) 
Gain on equity securities, net(814) (695) 
Gain on sale of loans and leases, net(38,346) (13,025) 
Change in fair value of loans held for sale (8,094) (2,793) 
Origination of loans held for sale(1,148,184) (487,090) 
Proceeds from sales of loans held for sale1,235,581  428,298  
Change in other assets and liabilities:  
Net increase in other assets(219,221) (57,027) 
Net decrease in other liabilities(25,117) (