 Umpqua Holdings Corporation NASDAQ:UMPQ Q2 2022 Earnings Conference Call July 21, 2022 1:00 PM ET Company Participants Jacque Bohlen - Director, Investor Relations Cort OHaver - President and Chief Executive Officer Torran Nixon - President Ronald Farnsworth - Chief Financial Officer Frank Namdar - Chief Credit Officer Conference Call Participants Jeff Rulis - D.A. Davidson Jared Shaw - Wells Fargo Securities Matthew Clark - Piper Sandler Andrew Terrell - Stephens Chris McGratty - KBW Operator Good morning, and welcome to the Umpqua Holdings Corporation Second Quarter 2022 Earnings Call. 