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): December 19, 2004 - ------------------------------------------------------------------------------- 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 - ------------------------------------------------------------------------------- Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: [ ] Written communications pursuant to Rule 425 under the Section Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12). [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240-14d-2(b)). [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)). 1 ITEM 2.02 Results of Operations and Financial Condition - ------------------------------------------------------- On December 15, 2004, Cascade Financial Corporation (the "Company"), parent company of Cascade Bank, declared a $.08 quarterly cash dividend. The dividend will be paid on January 27, 2004 to shareholders of record on January 13, 2004. The Press Release announcing the declaration of dividend is attached as Exhibit 99. ITEM 9.01 Financial Statements and Exhibits - -------------------------------------------- (c) Exhibit 99 Press Release dated December 15, 2004. 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: December 15, 2004 CASCADE FINANCIAL CORPORATION By:/s/ Carol K. Nelson --------------------- Carol K. Nelson President and CEO 2