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Financial Highlights
CASCADE FINANCIAL CORPORATION (NASDAQ - CASB)
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
1,227,517
1,209,798
1.46
1,223,311
1.38
Loans Held for Sale, before Reserves
NA
0
NA
205
NA
Loan Loss Reserve
24,749
14,531
70.32
24,490
4.23
Net Loans Receivable
1,202,768
1,195,267
0.63
1,199,026
1.25
Intangible Assets
13,273
25,114
(47.15)
13,308
(1.05)
Total Assets
1,646,987
1,551,782
6.14
1,610,696
9.01
Deposits
1,032,663
992,505
4.05
1,001,296
12.53
Debt, Senior and Subordinated
470,277
431,983
8.86
469,773
0.43
Common Equity
99,627
119,100
(16.35)
95,494
17.31
Total Shareholders' Equity
136,558
119,100
14.66
132,320
12.81
Shares Outstanding (actual)
12,146,080
12,071,032
0.62
12,110,434
1.18
Income Statement ($000)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Net Interest Income
10,918
12,837
(14.95)
10,823
3.51
Provision for Loan Losses
4,000
1,250
220.00
18,300
(312.57)
Noninterest Income
2,315
2,413
(4.06)
1,994
64.39
Noninterest Expense
7,945
7,165
10.89
20,955
(248.34)
Net Income Before Taxes
2,140
(10,590)
NM
(26,952)
NM
Provision for Taxes
507
(3,971)
NM
(5,552)
NM
Net Income
1,633
(6,619)
NM
(21,400)
NM
Per Share Items ($)
2009 Q3
2008 Q3
Y-Y
Ch (%)
2009 Q2
Q-Q
Ch (%)
†
Book Value per Share
8.20
9.87
(16.92)
7.89
15.72
Tangible Book Value
7.11
7.79
(8.75)
6.79
18.68
Diluted EPS Before Extra
0.09
(0.55)
NM
(1.82)
NM
Diluted EPS After Extra
0.09
(0.55)
NM
(1.82)
NM
Dividends Declared
0.0000
0.0900
NM
0.0000
0.00
Performance Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
ROAA
0.40
(1.69)
209
(5.33)
573
ROAE
4.90
(20.69)
2,559
(59.92)
6,482
Net Interest Margin
3.03
3.52
(49)
3.01
2
Loans / Deposits
118.87
121.89
(302)
122.17
(330)
Efficiency Ratio
56.41
47.25
916
76.63
(2,022)
Balance Sheet Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
7.55
6.16
139
7.45
10
Equity/ Assets
8.29
7.68
62
8.22
8
Asset Quality Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
8.05
1.10
695
7.59
46
Loan Loss Reserves/ Gross Loans
2.02
1.20
82
2.00
1
Loan Loss Reserves/ NPAs
NA
NA
NA
NA
NA
Net Charge-offs/ Avg Loans
1.21
0.01
119
6.39
(518)
Regulatory Capital Ratios (%)
2009 Q3
2008 Q3
Y-Y
Ch (bp)
2009 Q2
Q-Q
Ch (bp)
Tier 1 Capital Ratio
NA
9.27
NA
11.36
NA
†
Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4
*
Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.
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© SNL Financial LC
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