Columbia Banking System 10K 2002 Annual report | COLB Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	8th grade Avg

New words: absorb, accelerated, accessible, accommodate, accompanying, accrual, accumulated, accuracy, accurately, ACH, actuarial, addressed, adherence, administer, administered, administering, affluent, age, aging, airline, airplane, alter, alternative, alternatively, analyzing, APB, appraised, Arnett, arrive, assumed, auditor, augment, authoritative, automobile, aware, back, backed, bankruptcy, Basic, beneficiary, blackout, blanket, boat, BOLI, Box, bringing, broad, broadened, broader, Broadway, brokerage, Bruyette, Bush, buyer, buying, calendar, call, Canyon, capable, care, carefully, case, categorized, CD, CDs, CEO, Cerification, certify, certifying, choice, chose, chosen, chronically, clarify, Coast, coercing, COLB, combat, combating, Commission, commonly, comparison, competitor, comprehensive, concluded, Condensed, confidence, conform, conformity, conjunction, Consent, constrain, consult, consulting, contemplated, contingent, contract, contrast, converted, copy, coverage, creation, criteria, curbing, curve, cushion, cutting, Dain, death, decrease, decreased, defense, delayed, delivering, Deloitte, demonstrating, depositor, depreciated, depreciation, derivative, derived, deter, deviate, dictate, difficult, diligence, diluted, dilution, disclose, disclosed, discontinuance, discontinue, discontinued, discretionary, disgorgement, disposal, Disposed, divided, dividing, document, documentation, dollar, domiciled, downgraded, dropped, duration, electronic, electronically, eleven, eligible, emphasize, enjoy, ensure, enter, entered, entering, Enterprise, entity, enumerated, EPS, equal, equipment, escrow, ESPP, event, evidence, excellent, excluding, exclusive, exhibit, exit, expert, explanation, exposed, exposure, extended, extending, extinguishment, extraordinary, facilitate, fact, factual, fairly, family, FASB, favorable, fee, figure, filer, final, Finally, floating, fluctuate, foreclosed, forma, frame, framework, fraud, free, frequency, frequently, FTE, full, function, fundamental, furniture, gain, gap, gauged, Gig, gradually, guarantor, guidance, handling, Harald, Harbor, Haub, hedge, hedging, herewith, higher, Hoefer, Hulbert, hybrid, ill, illustrated, image, immaterial, impaired, impairment, imposition, incentivize, inclusion, indemnification, indirectly, individual, individually, inherent, inherently, insignificant, instrument, integration, Intercept, intercompany, interestincome, interim, Internet, interpretation, investigate, Journal, Keefe, lag, land, lead, leading, leasehold, ledger, LIBOR, life, lifetime, liquidate, liquidated, liquidation, living, LLP, long, longer, Los, magnitude, mail, mailing, mandatory, match, matching, maximize, maximum, measured, measurement, merchant, met, Metavante, methodology, misconduct, misleading, misstatement, model, Modernization, modified, Morgan, mortality, mortgage, municipal, nasdaq, necessarily, negatively, Nelson, noncancellable, nonmatching, nonrecurring, northeast, notification, objective, obligated, obligation, observable, observance, Obstruct, occupancy, offset, offsetting, ofThe, omit, online, opinion, ordinary, organizational, Outsourcing, Overhead, oversight, owner, par, partially, participate, participated, party, Patriot, payable, pending, penetration, pension, percentage, physical, pledge, pledged, point, pool, pooled, power, precisely, preestablished, preferred, premium, prepay, prescribed, pressure, prevailing, preventing, price, pricing, prime, privacy, pro, profession, program, prominent, Promissory, promotion, pronounced, property, prospective, purpose, qualitative, quantify, quantitative, quantity, question, quick, quickly, Rauscher, RBC, read, realizable, realized, realizing, receipt, reclassified, reclassify, recognition, reconciliation, reconciling, recover, recovered, recreational, Redmond, referenced, refined, refrain, regular, regularly, Reinvestment, release, relocated, rely, remodel, removed, rental, represent, representing, repriced, repricing, repurchase, repurchased, reputation, request, Rescission, residual, responded, retrieve, retroactively, reward, role, round, Rule, safe, satisfaction, scheduled, scope, screen, sec, segment, segmentation, selling, semiannually, Separation, SERP, set, settled, shareholder, shell, shift, short, simulated, simulation, single, size, slowdown, Smaller, Specimen, speculative, split, spread, standard, standardization, standby, statute, steadily, street, strict, stringent, structure, style, sufficient, sum, summarize, summarized, sweep, symbol, systematically, tailored, temporary, tenant, terrorism, test, testing, Tex, thereof, theWashington, threatened, tool, Touche, traffic, transaction, treatment, trend, troubled, trust, ultimate, unamortized, uncertainty, unchanged, underlying, understanding, undivided, unemployment, unequal, unfavorable, unforeseen, unfunded, unidentifiable, unrelated, untrue, unused, urban, USA, utilize, utilizing, valuation, variety, vehicle, vest, vesting, view, viewing, virtually, visible, volatility, voluntary, Wall, waned, warrant, warranted, wealthy, website, weyerhaueser, whichever, wholesale, wider, wildcard, withdraw, withdrawal, won, write, writing, written, wrongdoing, wrongful

Removed: accept, advantage, aggressive, Andersen, appointed, approximate, Assistant, Bancorp, bargaining, began, caption, catering, climate, collective, combination, commentary, Commerce, composition, computation, conducting, Controller, cyclical, dislocation, Donald, earned, employed, enforcement, environmental, examined, feet, focused, formula, govern, hiring, holder, incident, Lacey, landlord, largely, leased, lieu, magazine, manager, Margel, month, neighboring, newly, parking, Philip, pleasure, predictable, priority, PSB, publication, Quoidbach, rapid, Registration, regulator, rent, reorganization, retired, Return, Richard, Robert, satisfactory, selective, Sidney, Snyder, square, successor, supplemented, unspecified, vulnerable

Columbia Banking System (COLB) 10-K2002 FY Annual report

Content analysis