Financial Highlights
CASCADE FINANCIAL CORPORATION (NASDAQ - CASB)
Trend Analysis--Quarterly (
click here for Annual Analysis
)
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Balance Sheet ($000)
2009 Q4
2008 Q4
Y-Y
Ch (%)
2009 Q3
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
1,199,113
1,253,976
(4.38)
1,227,397
(9.22)
Loans Held for Sale, before Reserves
NA
1,196
NA
120
NA
Loan Loss Reserve
25,900
16,439
57.55
24,749
18.60
Net Loans Receivable
1,173,213
1,238,733
(5.29)
1,202,768
(9.83)
Intangible Assets
13,237
25,078
(47.22)
13,273
(1.08)
Total Assets
1,704,628
1,637,319
4.11
1,646,987
14.00
Deposits
1,139,774
1,006,782
13.21
1,032,663
41.49
Debt, Senior and Subordinated
423,216
461,365
(8.27)
470,277
(40.03)
Common Equity
97,412
123,506
(21.13)
99,627
(8.89)
Total Shareholders' Equity
134,450
160,122
(16.03)
136,558
(6.17)
Shares Outstanding (actual)
12,146,080
12,071,032
0.62
12,146,080
0.00
Income Statement ($000)
2009 Q4
2008 Q4
Y-Y
Ch (%)
2009 Q3
Q-Q
Ch (%)
†
Net Interest Income
10,428
11,128
(6.29)
10,918
(17.95)
Provision for Loan Losses
8,000
2,400
233.33
4,000
400.00
Noninterest Income
6,996
1,888
270.55
2,315
808.81
Noninterest Expense
8,620
7,193
19.84
7,945
33.98
Net Income Before Taxes
1,453
3,425
(57.58)
2,140
(128.41)
Provision for Taxes
338
964
(64.94)
507
(133.33)
Net Income
1,115
2,461
(54.69)
1,633
(126.88)
Per Share Items ($)
2009 Q4
2008 Q4
Y-Y
Ch (%)
2009 Q3
Q-Q
Ch (%)
†
Book Value per Share
8.02
10.23
(21.60)
8.20
(8.78)
Tangible Book Value
6.93
8.15
(15.00)
7.11
(9.98)
Diluted EPS Before Extra
0.04
0.18
(77.78)
0.09
(222.22)
Diluted EPS After Extra
0.04
0.18
(77.78)
0.09
(222.22)
Dividends Declared
0.0000
0.0900
NM
0.0000
0.00
Performance Ratios (%)
2009 Q4
2008 Q4
Y-Y
Ch (bp)
2009 Q3
Q-Q
Ch (bp)
ROAA
0.26
0.62
(36)
0.40
(14)
ROAE
3.25
7.18
(392)
4.90
(164)
Net Interest Margin
2.79
3.01
(22)
3.03
(24)
Loans / Deposits
105.21
124.55
(1,935)
118.86
(1,365)
Efficiency Ratio
47.70
55.25
(755)
56.41
(871)
Balance Sheet Ratios (%)
2009 Q4
2008 Q4
Y-Y
Ch (bp)
2009 Q3
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
7.17
8.38
(121)
7.55
(38)
Equity/ Assets
7.89
9.78
(189)
8.29
(40)
Asset Quality Ratios (%)
2009 Q4
2008 Q4
Y-Y
Ch (bp)
2009 Q3
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
7.33
2.55
478
8.05
(72)
Loan Loss Reserves/ Gross Loans
2.16
1.31
85
2.02
14
Loan Loss Reserves/ NPAs
17.09
38.56
(2,147)
18.66
(157)
Net Charge-offs/ Avg Loans
2.07
0.17
191
1.21
86
Regulatory Capital Ratios (%)
2009 Q4
2008 Q4
Y-Y
Ch (bp)
2009 Q3
Q-Q
Ch (bp)
Tier 1 Capital Ratio
11.88
12.02
(14)
11.74
14
†
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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