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Regulatory Capital
 12 Months Ended
Dec. 31, 2018
Brokers and Dealers [Abstract]  
Regulatory Capital
Regulatory Capital

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a material effect on the Company's operations and financial statements. Under capital adequacy guidelines, the Company must meet specific capital guidelines that involve quantitative measures of the Company's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's capital amounts and classifications are also subject to qualitative judgments by the regulators about risk components, asset risk weighting, and other factors.
Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total capital, Tier 1 capital and Tier 1 common to risk-weighted assets (as defined in the regulations), and of Tier 1 capital to average assets (as defined in the regulations). Management believes, as of December 31, 2018, that the Company meets all capital adequacy requirements to which it is subject.

The following table shows the Company's consolidated and the Bank's capital adequacy ratios compared to the regulatory minimum capital ratio and the regulatory minimum capital ratio needed to qualify as a "well-capitalized" institution, as calculated under regulatory guidelines of Basel III at December 31, 2018 and 2017:
(dollars in thousands)
Actual
 
For Capital Adequacy Purposes
 
To be Well Capitalized
 
Amount
 
Ratio
 
Amount
 
Ratio
 
Amount
 
Ratio
As of December 31, 2018
 
 
 
 
 
 
 
 
 
 
 
Total Capital
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,916,143

 
13.51
%
 
$
1,727,280

 
8.00
%
 
$
2,159,100

 
10.00
%
Umpqua Bank
$
2,765,748

 
12.83
%
 
$
1,724,757

 
8.00
%
 
$
2,155,946

 
10.00
%
Tier 1 Capital
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,315,750

 
10.73
%
 
$
1,295,460

 
6.00
%
 
$
1,727,280

 
8.00
%
Umpqua Bank
$
2,616,456

 
12.14
%
 
$
1,293,568

 
6.00
%
 
$
1,724,757

 
8.00
%
Tier 1 Common
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,315,750

 
10.73
%
 
$
971,595

 
4.50
%
 
$
1,403,415

 
6.50
%
Umpqua Bank
$
2,616,456

 
12.14
%
 
$
970,176

 
4.50
%
 
$
1,401,365

 
6.50
%
Tier 1 Capital
 
 
 
 
 
 
 
 
 
 
 
(to Average Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,315,750

 
9.31
%
 
$
994,905

 
4.00
%
 
$
1,243,631

 
5.00
%
Umpqua Bank
$
2,616,456

 
10.53
%
 
$
994,268

 
4.00
%
 
$
1,242,835

 
5.00
%
As of December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Total Capital
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,844,261

 
14.06
%
 
$
1,618,009

 
8.00
%
 
$
2,022,511

 
10.00
%
Umpqua Bank
$
2,668,069

 
13.21
%
 
$
1,615,698

 
8.00
%
 
$
2,019,623

 
10.00
%
Tier 1 Capital
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,238,540

 
11.07
%
 
$
1,213,507

 
6.00
%
 
$
1,618,009

 
8.00
%
Umpqua Bank
$
2,523,599

 
12.50
%
 
$
1,211,774

 
6.00
%
 
$
1,615,698

 
8.00
%
Tier 1 Common
 
 
 
 
 
 
 
 
 
 
 
(to Risk Weighted Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,238,540

 
11.07
%
 
$
910,130

 
4.50
%
 
$
1,314,632

 
6.50
%
Umpqua Bank
$
2,523,599

 
12.50
%
 
$
908,830

 
4.50
%
 
$
1,312,755

 
6.50
%
Tier 1 Capital
 
 
 
 
 
 
 
 
 
 
 
(to Average Assets)
 
 
 
 
 
 
 
 
 
 
 
Consolidated
$
2,238,540

 
9.38
%
 
$
954,403

 
4.00
%
 
$
1,193,003

 
5.00
%
Umpqua Bank
$
2,523,599

 
10.59
%
 
$
953,264

 
4.00
%
 
$
1,191,579

 
5.00
%