UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant To Section 13 Or 15(d) Of The Securities Exchange Act Of 1934 Date of Report (Date of earliest event reported): April 22, 2003 - ------------------------------------------------------------------------------- CASCADE FINANCIAL CORPORATION - ------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Washington 000-25286 91-1661954 - ------------------------------------------------------------------------------- (State of other jurisdiction (Commission (IRS Employer of incorporation) File Number) Identification No.) 2828 Colby Avenue, Everett, WA 98201 - ------------------------------------------------------------------------------- (Address of principal executive offices, including Zip Code) Registrant's telephone number, including area code: (425) 339-5500 - ------------------------------------------------------------------------------- ITEM 7. Financial Statements and Exhibits (c) Exhibit 99.1: Press Release dated April 22, 2003 ITEM 9. Regulation FD Disclosure On April 22, 2003, the Corporation released earnings information for the first quarter ended March 31, 2003. This information is provided under Item 12. ITEM 12. Results of Operations and Financial Condition Pursuant to interim guidance issued by the Securities and Exchange Commission relating to Item 12 filing requirements, the Company has furnished the information required by Item 12 under Item 9 herein. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: April 22, 2003 CASCADE FINANCIAL CORPORATION By: /s/ Carol K. Nelson ----------------- Carol K. Nelson Its: President and CEO