 Umpqua Holdings Corporation NASDAQ:UMPQ Q4 2022 Earnings Conference Call January 24, 2023 1:00 PM ET Company Participants Jacque Bohlen - IR Director Cort OHaver - President and CEO Tory Nixon - President, Umpqua Bank Ron Farnsworth - CFO Frank Namdar - Chief Credit Officer Conference Call Participants Jared Shaw - Wells Fargo Jeff Rulis - D.A. Davidson Brandon King - Truist Andrew Terrell - Stephens Matthew Clark - Piper Sandler Chris McGratty - KBW Operator Good morning, and welcome to the Umpqua Holdings Corporations Fourth Quarter 2022 Earnings Call. 