Umpqua Holdings Corporation (UMPQ) Q4 2021 Earnings Conference Call January 20, 2022 1:00 PM ET Company Participants Jacque Bohlen - Director, IR Cort O'Haver - President and CEO Ron Farnsworth - CFO Frank Namdar - CCO Tory Nixon - President, Umpqua Bank Conference Call Participants Jeff Rulis - D.A. Davidson Matthew Clark - Piper Sandler Brandon King - Truist Securities Jared Shaw - Wells Fargo Securities Operator Good morning and welcome to the Umpqua Holdings Corporation Fourth Quarter 2021 Earnings Call ...