Umpqua Holdings Corporation (Umpqua) is a financial holding company. The Company has two principal subsidiaries: Umpqua Bank (the Bank) and Umpqua Investments, Inc. (Umpqua Investments). Umpqua has two segments: Community Banking and Home Lending. Its Community Banking segment focuses on offering loan and deposit products to business and retail customers in its market areas. Its Community Banking segment operates over 380 locations in Oregon and Washington, among others. Its Home Lending segment operates as a division of the Bank, and originates, sells and services residential mortgage loans. The Bank is engaged in the business of commercial and retail banking, and the delivery of retail brokerage services. The Bank provides a range of banking, wealth management, mortgage banking and other financial services to corporate, institutional and individual customers. Umpqua Investments is a broker-dealer and investment advisor. Pivotus Ventures, Inc. is the subsidiary of the Company.