Umpqua Holdings Corporation operates as a holding company for Umpqua Bank and Umpqua Investments, Inc. that provide commercial and retail banking, and retail brokerage services to corporate, institutional, and individual customers primarily in Oregon, western Washington, northern California, and Nevada. Its deposit products include non-interest bearing checking accounts, interest bearing checking and savings accounts, money market accounts, and certificates of deposit. The company also offers loans for business and commercial customers, such as accounts receivable and inventory financing, equipment loans, international trade financing, real estate construction loans and permanent financing, and small business administration program financing, as well as loans for small and mid-sized businesses; industrial loans; residential real estate loans for construction, purchase, and refinancing of residential owner-occupied and rental properties; residential mortgage loans; and consumer loans to individual borrowers, home equity and personal lines of credit, and motor vehicle loans. In addition, it provides retail brokerage services, including equity and fixed income products, mutual funds, annuities, options, retirement planning, money management services, and life insurance policies. Further, the company offers asset management services for individuals, unions and corporate retirement plans, endowments, and foundations; private banking services for high net worth individuals; and technology-based services, such as remote deposit capture, online banking, bill pay and treasury services, mobile banking, voice response banking, automatic payroll deposit programs, ATMs, and interactive product kiosks. As of December 30, 2011, it operated commercial banking centers in 194 locations. The company has a strategic alliance with Ferguson Wellman Capital Management. Umpqua Holdings Corporation was founded in 1953 and is headquartered in Portland, Oregon.