8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 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):  May 17, 2012

TrustCo Bank Corp NY

(Exact name of registrant as specified in its charter)

NEW YORK	0-10592	14-1630287
State or Other Jurisdiction of Incorporation or Organization	Commission File No.	I.R.S. Employer Identification Number

5 SARNOWSKI DRIVE, GLENVILLE, NEW YORK 12302

(Address of principal executive offices)

(518) 377-3311

(Registrant’s Telephone Number,

Including Area Code)

NOT APPLICABLE

(Former Name or Former Address, if Changed Since Last Report)

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:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TrustCo Bank Corp NY

Item 8.01. Other Events

The following materials were presented at the Annual Meeting of Shareholders held May 17, 2012.  Attached is a copy of the presentation labeled as Exhibit 99(a).

Item 9.01. Financial Statements and Exhibits

(c) Exhibits

Reg S-K Exhibit No. Description

99(a) Presentation given at the Annual Meeting of Shareholders held on May 17, 2012.

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SIGNATURES

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.

Date:  May 17, 2012

TrustCo Bank Corp NY
(Registrant)
By:	/s/ Robert T. Cushing
	Robert T. Cushing
	Executive Vice President and
	Chief Financial Officer

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Exhibits Index

The following exhibits are filed herewith:

Reg S-K Exhibit No.	Description	Page
99(a)	Presentation given at the Annual Meeting of Shareholders held on May 17, 2012.	5 - 19

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EX-99.A

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.

	TrustCo						Peers*
	2007	2008	2009	2010	2011	Q1/12	Q1/12
Return on Average Equity	16.9%	14.3%	11.7%	11.5%	11.0%	10.4%	8.1%
Return on Average Assets	1.20%	1.00%	0.79%	0.77%	0.81%	0.84%	0.91%
Net Interest Margin	3.10%	2.98%	3.29%	3.50%	3.40%	3.22%	3.77%
Nonperforming Loans/ Loans	0.66%	1.54%	2.02%	2.07%	1.93%	2.03%	2.87%
30-89 Day PD Loans / Loans	0.85%	0.66%	0.77%	0.91%	0.48%	0.43%	0.85%
Efficiency Ratio	45.8%	51.6%	55.1%	50.8%	49.2%	52.5%	60.7%

2011 Stock Performance

•Top 20 of “Top 100 Thrifts” - SNL Thrift Investor, 2005-
2011

•#1 Home Lender in Capital Region 2011 - Capital District
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

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.

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