What trends are visible in CIB's past earnings reports?

Columbia Banking System Inc (COLB) exhibits several notable trends in its past earnings reports:

1. **Earnings Growth**: COLB has shown a consistent upward trend in earnings, with a reported 53% growth over the past year. This is a strong indicator of the bank's profitability and its ability to generate income.
2. **Dividend Stability**: The bank has a history of paying stable and reliable dividends, with a recent dividend of $0.36. This suggests a commitment to returning value to shareholders.
3. **Revenue Decline**: Despite the earnings growth, there has been a decline in revenue, with a year-over-year decrease of 6.2% reported in the fourth quarter of 2024. This decline needs to be monitored closely by investors.
4. **Net Interest Margin Improvement**: The net interest margin (NIM) improved by 8 basis points to 3.64% in the fourth quarter of 2024, compared to the previous quarter. This is a positive development as it indicates better profitability on the bank's interest-bearing assets.
5. **Expense Management**: The bank has been effective in managing expenses, as evidenced by a decrease in non-interest expense, which contributed to the improved net interest margin.

Overall, Columbia Banking System Inc demonstrates a strong earnings trajectory with a focus on dividend stability and improving NIM. However, the recent decline in revenue is a point of concern that needs to be addressed.