Umpqua 10K 2021 Annual report | UMPQ Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	H.S. freshman Avg

New words: abandon, abandonment, abate, abetting, abnormally, acknowledge, admitting, affirmative, affirmatively, affirmed, agenda, aggressive, Agilent, agree, agreed, aim, aircraft, al, allege, alleged, allegedly, Alliance, American, amplified, anchor, anchored, Anddria, Andrew, apparent, appeal, Arizona, artificial, Atlantic, attending, atypical, background, Bancorporation, BankUnited, Barn, Barometer, begun, bench, billed, BIPOC, BOK, BOLI, bona, bottom, box, breadth, Bruyette, Bryan, budget, budgeted, budgeting, built, buy, buying, calendar, cap, career, Cascade, case, catalog, Cathay, center, CEO, certification, Certified, certify, CFO, CFR, Chair, chance, children, chose, Ciccotelli, Circuit, clause, Clint, closest, coaching, COBRA, COLM, Colorado, commensurate, commerce, complaint, conceived, conflict, contact, context, Cort, costly, country, court, COVID, creation, crossed, cutback, David, DC, decree, dedicated, defense, DEI, Delaware, delegated, deleverage, Delman, Deloitte, Denver, device, diminish, directionally, disclaimed, discourage, disinterested, dismissed, District, divert, divorce, double, dropping, duty, East, Eastern, ecological, eighteen, Electric, Elm, embraced, emphasize, encompassed, encompassing, encounter, encountered, energy, enjoin, enjoining, Enli, Entrepreneurial, environmental, equitable, ERISA, ESG, essence, ethical, excise, fabric, family, Fare, Farnsworth, fide, field, fifty, fill, FNB, foothold, foregoing, forma, formal, found, Foundation, founded, Fowler, Fractional, Fulton, Gambee, Gas, gauge, genuine, geopolitical, GM, greatest, green, Greene, grown, guest, Hancock, handbook, Hawaii, Hawaiian, healthcare, healthy, Hewlett, Hilliard, hinder, holder, holistic, homeownership, honest, Hope, hospitality, HPE, HUD, hybrid, ID, incentivize, indebted, indemnification, inevitably, injunction, insider, inspection, intelligence, intentionally, intergenerational, interpolated, invited, involuntary, IRC, issuable, Ivy, John, Keefe, King, knowingly, Kohler, KRX, lag, lapse, lawsuit, leader, leadership, Learn, learning, lengthy, lessen, lien, Lisa, listening, LLP, lost, LTI, lump, Machuca, Mackie, Macquarie, Macy, mapped, Maria, Martin, Mason, McLaughlin, median, membership, mental, mentoring, Mercer, metro, micro, Midwest, military, mindset, misrepresentation, mo, mood, moot, morale, Morgan, mos, motivate, Multnomah, Namdar, Neal, nearest, Neely, negligent, NEO, Nixon, nonprofit, notwithstanding, nuisance, NYSE, occurrence, Ognall, omitted, opposition, outreach, overhang, overlay, overperformance, oversaw, oversee, overseeing, Packard, PacWest, parachute, paragraph, payoff, peak, Peggy, penalized, pendency, Pennsylvania, pension, percentile, PGE, Phoenix, phone, pipeline, policymaking, Pope, POR, portray, portrayal, Pottery, prejudice, preset, President, pride, printing, priority, pro, proactive, prorated, Prosperity, proud, PSA, purely, purported, pursuit, recapture, recycling, refrain, reload, relocate, relocation, reluctance, reminded, rescinding, rescissory, Rescue, research, residence, resistant, restraint, retreat, retroactive, ROATCE, Rogue, Ron, Ronald, rounded, routine, RSA, RSU, Rural, Russia, save, saving, Schultz, scoring, sea, seasonal, seasoned, Secretary, sector, segregated, session, Shotwell, shrink, Siegel, Signature, similarly, Sky, smallest, societal, solicit, solicitation, soliciting, Sonoma, southern, speculative, Sportswear, spouse, St, stake, steepened, Stein, stemming, Stephen, STI, Susan, talk, TCF, tension, Terry, Textainer, TGH, thirty, thrive, Timm, Torran, Tory, translated, treasurer, trip, trustee, Trustmark, TSR, tuition, Ukraine, UMB, unanimously, undetermined, undisbursed, Union, unlawful, unnecessary, unprofitable, UPST, Upstart, USD, vaccinated, Valley, Varnado, vi, vibrant, Vice, voluntarily, volunteer, volunteering, vote, voted, voting, Wang, waste, water, wear, webpage, Webster, welfare, WesBanco, West, White, Whitney, wholly, Wilson, Wintrust, workplace, wrongdoing

Removed: Alternatively, arrive, assigning, August, borne, captured, cardholder, centrally, clear, compression, concept, concurrently, customized, DCP, debenture, desirable, deteriorating, DIF, exact, exclusively, extremely, gap, hierarchical, incorporate, indeterminate, infallible, insulated, investable, Justice, latitude, lesser, letter, liable, Likewise, main, minimizing, movement, opportunistically, overhead, package, practicably, priced, rarely, reached, recording, recordkeeping, recoverability, recur, refund, rent, repair, repealed, retrospective, retrospectively, salvage, shape, slope, suffered, suggested, suitable, suspension, timelier, treatment, Varying, Visa


Name of Subsidiary	State of Incorporation	Other Names Under Which Business is Conducted
Umpqua Bank	Oregon	Umpqua Bank Home Lending, Umpqua Private Bank, Umpqua Bank Equipment Leasing and Finance, Umpqua Bank Mortgage, Umpqua Bank Vendor Finance
Financial Pacific Reinsurance Co., Ltd.	Washington
Umpqua Master Trust I	Delaware
Umpqua Statutory Trust II	Delaware
Umpqua Statutory Trust III	Delaware
Umpqua Statutory Trust IV	Delaware
Umpqua Statutory Trust V	Delaware
Humboldt Bancorp Statutory Trust II	Connecticut
Humboldt Bancorp Statutory Trust III	Connecticut
CIB Capital Trust	Delaware
Western Sierra Statutory Trust I	Connecticut
Western Sierra Statutory Trust II	Connecticut
Western Sierra Statutory Trust III	Delaware
Western Sierra Statutory Trust IV	Delaware
Klamath First Capital Trust I	Delaware
Lynnwood Financial Statutory Trust I	Connecticut
Lynnwood Financial Statutory Trust II	Delaware
Sterling Capital Trust III	Delaware
Sterling Capital Trust IV	Delaware
Sterling Capital Statutory Trust V	Connecticut
Sterling Capital Trust VI	Delaware
Sterling Capital Trust VII	Delaware
Sterling Capital Trust VIII	Delaware
Sterling Capital Trust IX	Delaware

Umpqua (UMPQ) 10-K2021 FY Annual report

Content analysis