Attached files
| file | filename |
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| 8-K - TRUSTCO BANK CORPORATION OF NY 8-K 5-17-2012 - TRUSTCO BANK CORP N Y | form8k.htm |
EXHIBIT 99(a)
Welcome to the
2012 Annual Meeting
Shareholder Assembly Agenda
•Deposits
•Loan Portfolio
•Investment Portfolio
•Ratio Analysis
•Stock Performance
•Questions and Answers
Deposit Growth ($000)
Number of Branches & Average Size
Loan Growth ($000)
Nonperforming Loans / Loans (%)
Short-term Delinquencies* (%)
*30-89 day past due loans / total loans
Investment & Cash to Assets (%)
Modest margin declines recently, but flattened expenses…..
…should help drive ROE and ROA as credit costs decline and growth continues
TrustCo vs. Peers
*All public owned banking institutions covered by SNL Financial with assets of $2 to
$10 billion as of March 31, 2012; peer numbers are the medians for the full year 2011.
$10 billion as of March 31, 2012; peer numbers are the medians for the full year 2011.
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TrustCo
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Peers*
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2007
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2008
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2009
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2010
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2011
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Q1/12
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Q1/12
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Return on Average Equity
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16.9%
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14.3%
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11.7%
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11.5%
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11.0%
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10.4%
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8.1%
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Return on Average Assets
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1.20%
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1.00%
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0.79%
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0.77%
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0.81%
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0.84%
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0.91%
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Net Interest Margin
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3.10%
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2.98%
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3.29%
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3.50%
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3.40%
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3.22%
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3.77%
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Nonperforming Loans/ Loans
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0.66%
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1.54%
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2.02%
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2.07%
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1.93%
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2.03%
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2.87%
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30-89 Day PD Loans / Loans
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0.85%
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0.66%
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0.77%
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0.91%
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0.48%
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0.43%
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0.85%
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Efficiency Ratio
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45.8%
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51.6%
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55.1%
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50.8%
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49.2%
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52.5%
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60.7%
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2011 Stock Performance
• Top 20 of “Top 100 Thrifts” - SNL Thrift Investor, 2005-
2011
2011
• #1 Home Lender in Capital Region 2011 - Capital District
Business Review
Business Review
• “Banking’s Top Performers” - ABA Banking Journal
• 12th out of 129 banks with over $3 billion of assets for 2010
• Top 30 of “Top 150 Performers” - Bank Director Magazine,
2008-2010
2008-2010
Things to be Proud Of
Forward Looking Statements
Safe Harbor Regarding Forward-Looking Statements
This presentation may contain forward-looking information about TrustCo Bank Corp NY (“the Company”) that is
intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities
Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such
statements due to various risks, uncertainties and other factors. Such risks, uncertainties and other factors that could
cause actual results and experience to differ from those projected include, but are not limited to, the following: credit
risk, the effects of and changes in, trade, monetary and fiscal policies and laws, inflation, interest rates, market and
monetary fluctuations, competition, the effect of changes in financial services laws and regulations, real estate and
collateral values, changes in accounting policies and practices, changes in local market areas and general business and
economic trends and the matters described under the heading “Risk Factors” in our most recent annual report on
Form 10-K and our other securities filings. The statements are valid only as of the date hereof and the Company
disclaims any obligation to update this information except as may be required by applicable law.
intended to be covered by the safe harbor for forward-looking statements provided by the Private Securities
Litigation Reform Act of 1995. Actual results and trends could differ materially from those set forth in such
statements due to various risks, uncertainties and other factors. Such risks, uncertainties and other factors that could
cause actual results and experience to differ from those projected include, but are not limited to, the following: credit
risk, the effects of and changes in, trade, monetary and fiscal policies and laws, inflation, interest rates, market and
monetary fluctuations, competition, the effect of changes in financial services laws and regulations, real estate and
collateral values, changes in accounting policies and practices, changes in local market areas and general business and
economic trends and the matters described under the heading “Risk Factors” in our most recent annual report on
Form 10-K and our other securities filings. The statements are valid only as of the date hereof and the Company
disclaims any obligation to update this information except as may be required by applicable law.
Note: Data in this presentation was obtained from SNL Financial and from the Company’s SEC filings.
2012 Annual Meeting
Questions and Answers
2012 Annual Meeting
Thank You for Attending