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):  April 24, 2013

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 2.02. Results of Operations and Financial Condition

On April 24, 2013, TrustCo Bank Corp NY (“TrustCo”) mailed a brochure to shareholders with a summary of results for the quarter ending March 31, 2013. Attached is a copy of the brochure labeled as Exhibit 99(a).

Item 9.01. Financial Statements and Exhibits

(c) Exhibits

Reg S-K Exhibit No.	Description
99(a)	Brochure dated April 2013, covering results for the quarter ended March 31, 2013.

Page | 2

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.

Dated: April 24, 2013
	TrustCo Bank Corp NY
	(Registrant)
	By:	/s/ Robert T. Cushing
		Robert T. Cushing
		Executive Vice President and
		Chief Financial Officer

Page | 3

EX-99.A

Exhibit 99(a)

 QUARTER REPORT FIRST  MARCH 31, 2013 April 2013 Dear Fellow Shareholders: We are pleased to report that first quarter 2013 results represented a solid start to the new year, and note the following highlights: • Net income of $9.2 million was up 2.9% from the prior year, and is up 24.2% over the last two years; • Our asset quality improved during the quarter, with nonperforming loans to total loans falling from 1.96% at December 31, 2012 to 1.84% at March 31, 2013. The median for our peer group at year-end (the most recent data available) was 2.46%. Our loans that are 30 to 89 days delinquent have also improved, declining to 0.24% of loans at March 31, 2013 from 0.30% at December 31, 2012 and from a year-end 2010 high of 0.91%. The median for our peer group at year-end (the most recent data available) was 0.66%.  • Average deposits and average loans were up $31 million and $168 million, respectively, for the first quarter of 2013 compared to the prior year; • Our efficiency ratio remains among industry leaders at 54% in the first quarter of 2013, compared to 53% in the first quarter of 2012; • Capital levels remain strong, with tangible equity equal to 8.17% of tangible assets at March 31, 2013 compared to 7.87% at March 31, 2012, and; • During the quarter we were awarded a 5-Star rating from Bauer Financial, Inc. We were able to achieve net income, loan and deposit growth, despite a continued fragile economy and increased regulatory burden by executing our long term plan and through the hard work of our staff, the support of our Board of Directors and shareholders. Our long term focus on traditional lending criteria and conservative balance sheet management continues to allow us to direct our efforts toward expanding our loan and deposit base, which is fundamental to the long term success of our Company. We continue to celebrate the tenth anniversary of our expansion into Central Florida and Downstate New York. Over that period we opened 82 branches, allowing us to serve many thousands of new customers. These new relationships have been key to the growth of our deposit and loan balances and we expect that to continue. Our long term plan remains focused on the growth of the Company, as the current environment will eventually become more favorable.  Return on average equity was 10.35% in the first quarter of 2013 compared to 10.45% in the prior year first quarter, while return on average assets was 0.86% in 2013 and 0.84% in the prior year.  The banking industry still faces challenges, but we look forward to the balance of 2013 with optimism as our approach to the business keeps us in a highly flexible position to capitalize on changes in the environment. We look forward to sharing our future success with you. Thank you for your continued support. Sincerely, Robert J. McCormick President and Chief Executive Officer BALANCE SHEET STATEMENT OF INCOME CONSOLIDATED CONSOLIDATED  March 31,  March 31, 2013 2012 (Dollars in Thousands Except Per Share Data, Unaudited) (Dollars in Thousands, Unaudited) 2013 2012  Three Months Ended, Interest income:  Loans  Investment securities  Federal funds sold and other short term investments  Total interest  income  Interest expense:  Deposits  Borrowings Total interest  expense Net interest  income  Provision for  loan losses  Net interest  income after  provision for  loan losses Net securities  transactions Noninterest  income Noninterest  expense Income before  income taxes Income tax  expense Net income  Net income per  common share: Basic  Diluted Assets  Loans, net Securities available  for sale Held to maturity securities Other interest earning assets  Federal funds sold and other short-term investments  Total earning assets  Cash and due from banks Premises and equipment Other assets  Total assets Liabilities  Deposits:  Demand  Interest bearing checking  Savings  Money market  Time  Total deposits  Short-term borrowings  Other liabilities Total liabilities Shareholders’ equity Total liabilities and shareholders’ equity  $ 2,656,109 1,077,484 117,973 9,632 405,262 4,266,460 39,512 35,787 69,998 $ 4,411,757 $ 298,243 579,077 1,213,226 656,577 1,110,557 3,857,680 171,019 22,169 4,050,868 360,889 $ 4,411,757 2,475,779 1,084,707 178,941 9,004 486,055 4,234,486 39,426 37,099 63,432 4,374,443 281,628 507,510 1,068,058 631,761 1,362,393 3,851,350 159,002 19,445 4,029,797 344,646 4,374,443 $ 31,481 5,744 245 37,470 3,501 364 3,865 33,605 2,000 31,605 2 4,590  21,557 14,640 5,472 $009,168 $000.097 $000.097 32,425 6,548 320 39,293 5,521 388 5,909 33,384 3,100 30,284 677 4,333  21,136 14,158 5,249 8,909 .095 .095

FINANCIAL   (Dollars in Thousands Except Per Share Data, Unaudited) 2013 2012  Three Months Ended March 31, Net interest income (tax equivalent) Provision for loan losses Net income Per Common Share Data: Net income:  Basic  Diluted Tangible book value at period end Performance Ratios: Return on average assets Return on average equity Efficiency ratio Trust Department Assets under management as of March 31, 2013 have a market value of $773 million. $ 33,7072,0009,168 $ .097 .0973.83 0.86 10.35 54.33 33,6373,1008,909 .095 .0953.68 0.84 10.45 53.12 Dividend Reinvestment Plan Inquiries regarding the dividend reinvestment plan should be directed to: Registrar and Transfer Company 10 Commerce Drive Cranford, New Jersey 07016-3572 (800) 368-5948 www.rtco.com % Common Stock Data The Corporation’s common stock is traded on the NASDAQ Global Select Market. The range of the high and low prices, as reported by NASDAQ, and quarterly dividends are shown to the right: Quarter High Low Dividend Declared 1st Quarter 2012 $ 5.92 $ 5.15 $ .0656 2nd Quarter 2012 $ 5.86 $ 5.02 $ .0656 3rd Quarter 2012 $ 5.91 $ 5.37 $ .0656 4th Quarter 2012 5.84 5.09 .0656 1st Quarter 2013 $ 05.65 $ 5.13 .065656 Subsidiary: BRANCH LOCATIONS ALBANY COUNTY, NY Central Avenue (518) 426-7291 Colonie Plaza (518) 456-0041 Crestwood Plaza (518) 482-0693 Delmar (518) 439-9941 Glenmont (518) 449-2128Guilderland (518) 355-4890 Latham - Johnson Road (518) 785-0761 Latham - Route 2 (518) 785-7155 Latham - Route 7 (518) 785-4744 Loudon Plaza (518) 462-6668 Madison Avenue (518) 489-4711 New Scotland (518) 438-7838 Newton Plaza (518) 786-3687 Slingerlands (518) 439-9352State Farm Road (518) 452-6913 State Street - Albany (518) 436-9043 Stuyvesant Plaza (518) 489-2616 Wolf Road (518) 458-7761 COLUMBIA COUNTY, NY Chatham (518) 392-0031 Hudson (518) 828-9434 Valatie (518) 758-2265 DUTCHESS COUNTY, NY Fishkill (845) 896-8260 Poughkeepsie (845) 485-6419 Red Hook (845) 752-2224Wappingers Falls (845) 298-9315 GREENE COUNTY, NY Tanners Main (518) 943-2500 Tanners West (518) 943-5090 ORANGE COUNTY, NY Monroe (845) 782-1100 RENSSELAER COUNTY, NY Brunswick (518) 272-0213 East Greenbush (518) 479-7233Hoosick Falls (518) 686-5352 Schaghticoke (518) 753-6509 Troy (518) 274-5420 West Sand Lake (518) 674-3327 Wynantskill (518) 286-2674 ROCKLAND COUNTY, NY Airmont (845) 357-2435 New City (845) 634-4571Nyack (845) 353-2035 Pomona (845) 354-0176 SARATOGA COUNTY, NY Ballston Spa (518) 885-1561 Clifton Country Rd (518) 371-5002 Clifton Park (518) 371-8451 Exit 8 /Crescent Road (518) 383-0039 Exit 11 (518) 899-1558Halfmoon (518) 371-0593 Malta - 4 Corners (518) 899-1056 Mechanicville (518) 664-1059 Milton (518) 885-0498 Saratoga (518) 587-3520 South Glens Falls (518) 793-7668 Ushers Road (518) 877-8069 Wilton Mall (518) 583-1716 Northern Pines Rd (518) 583-2634 SCHENECTADY COUNTY, NY Altamont Avenue (518) 356-1317 Altamont Avenue West (518) 355-1900 Brandywine (518) 346-4295Balltown Road (518) 377-2460 Freeman’s Bridge Road (518) 344-7510 Glenville - Mayfair (518) 399-9121 Main Office (518) 381-3831 Mont Pleasant (518) 346-1267 Niskayuna - Woodlawn (518) 377-2264 Rotterdam (518) 355-8330 Rotterdam Square (518) 377-2393 Scotia (518) 372-9416 Sheridan Plaza (518) 377-8517 Union Street East (518) 382-7511 Upper Union Street (518) 374-4056 SCHOHARIE COUNTY, NY Cobleskill (518) 254-0290 ULSTER COUNTY, NY Highland (845) 691-7023Kingston (845) 336-5372 WARREN COUNTY, NY Glens Falls (518) 798-8131 Lake George (518) 668-2352Queensbury (518) 798-7226 WASHINGTON COUNTY, NY Greenwich (518) 692-2233 Hudson Falls (518) 747-0886 WESTCHESTER COUNTY, NY Ardsley (914) 693-3254Bedford Hills (914) 666-6230 Briarcliff Manor (914) 762-7133 Bronxville (914) 771-4180 Elmsford (914) 345-1808Hartsdale (914) 722-2640Mamaroneck (914) 777-3023 Mt. Kisco (914) 666-2362 Peekskill (914) 739-1839 Pelham (914) 632-1983 BREVARD COUNTY, FL Melbourne (321) 752-0446 CHARLOTTE COUNTY, FL Englewood (941) 460-0601 HILLSBOROUGH COUNTY, FL Apollo Beach (813) 649-0460Sun City Center (813) 633-1468 LAKE COUNTY, FL Lady Lake (352) 205-8893Lake Square (352) 323-8147 Leesburg (352) 365-1305 North Clermont (352) 243-2563 South Clermont (352) 243-9511 MANATEE COUNTY, FL Bradenton (941) 792-2604 ORANGE COUNTY, FL Apopka (407) 464-7371Avalon Park (407) 380-2264BeeLine Center (407) 240-0945 Colonial Drive (407) 895-6393 Curry Ford Road (407) 277-9663 Dean Road (407) 657-8001Downtown Orlando (407) 422-7129E. Colonial Drive (407) 275-3075 Goldenrod (407) 207-3773 Lee Road (407) 532-5211Lee Vista (321) 235-5583Sweetwater (407) 774-1347West Curry Ford Road (407) 893-9878Windermere (407) 654-0498Winter Garden (407) 654-4609 OSCEOLA COUNTY, FL Gateway Commons (407) 932-0398Pleasant Hill Commons (407) 846-8866 PALM BEACH COUNTY, FL Juno Beach (561) 630-4521 POLK COUNTY, FL Davenport (863) 424-9493Winter Haven (863) 326-1918 SARASOTA COUNTY, FL Osprey (941) 918-9380 Sarasota (941) 929-9451Venice (941) 496-9100 SEMINOLE COUNTY, FL Alafaya Woods (407) 359-5991Aloma (407) 677-1969Lake Mary Boulevard (407) 330-7106 Longwood (407) 339-3396 Maitland (407) 332-6071 Oviedo (407) 365-1145 Rinehart Road (407) 268-3720 Tuskawilla Road (407) 695-5558 Westwood (407) 321-4925Winter Springs (407) 327-6064 VOLUSIA COUNTY, FL Orange City (386) 775-1392Port Orange (386) 322-3730 BERKSHIRE COUNTY, MA Allendale (413) 236-8400 Pittsfield (413) 442-1330 Great Barrington (413) 644-0054 Lee (413) 243-4300 BERGEN COUNTY, NJ Ramsey (201) 934-1429Northvale (201) 750-1501 BENNINGTON COUNTY, VT Bennington (802) 447-4952Member FDICEQUAL HOUSINGLENDER  Presorted First-Class Mail US Postage  PAID Albany, NY Permit #370 P.O. Box 1082 Schenectady, New York 12301-1082  QUARTER REPORT FIRST  MARCH 31, 2013