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):  November 13, 2014

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

Management of TrustCo Bank Corp NY will be meeting with institutional investors on November 13, 2014 at a conference sponsored by Sandler O’Neill + Partners.  Attached is a copy of a presentation that may be used during those meetings, labeled as Exhibit 99(a).

Item 9.01. Financial Statements and Exhibits

(c) Exhibits

Reg S-K Exhibit No.	Description
99(a)	Presentation for institutional investor meetings held on November 13, 2014.

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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:  November 13, 2014
	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 for institutional investor meetings held on November 13, 2014.	5-16

EX-99.A

 Robert J. McCormick, President and Chief Executive OfficerRobert T. Cushing, Executive Vice President and Chief Financial OfficerScot R. Salvador, Executive Vice President and Chief Banking OfficerRobert M. Leonard, Executive Vice President  November 13, 2014 

 Forward Looking Statements  *  Note: Data in this presentation was obtained from SNL Financial and from the Company’s SEC filings.  This presentation contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”). Forward-looking statements can be identified by words such as “believes,” “anticipates,” “expects,” “should,” “may,” “plans,” “estimates,” and similar references; however, such words are not the exclusive means of identifying such statements. Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, expenses, income or loss, earnings or loss per share, and other financial items; (ii) statements of plans, objectives, and expectations of TrustCo or its management or Board of Directors; (iii) statements of future economic performance; and (iv) statements of underlying assumptions. Forward-looking statements are based on TrustCo’s current expectations and assumptions regarding its business, the economy, and other future conditions. Because forward- looking statements relate to the future, they are subject to inherent uncertainties, risks, and changes in circumstances that are difficult to predict. TrustCo’s actual results may differ materially from those contemplated by the forward-looking statements, which are neither statements of historical fact nor guarantees or assurances of future performance. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to: (1) local, regional, national, and international economic conditions and the impact they may have on us and our customers; (2) volatility and disruption in national and international financial markets; (3) government intervention in the U.S. financial system; (4) changes in the level of non-performing assets and charge-offs; (5) changes in estimates of future reserve requirements; (6) adverse conditions in the securities markets that lead to impairment in the value of securities in our investment portfolio; (7) inflation, interest rate, securities market, and monetary fluctuations; (8) the timely development and acceptance of new products and services; (9) changes in consumer spending, borrowings, and savings habits; (10) technological changes; (11) the ability to increase market share and control expenses; (12) changes in the competitive environment among banks and other financial service providers; (13) the effect of changes in laws and regulations with which we and our subsidiaries must comply, including those under the Dodd-Frank Wall Street Reform and Consumer Protection Act and the Basel III update to the Basel Accords that is under development; (14) the effect of changes in accounting policies and practices, as may be adopted by regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board, and other accounting standard setters; (15) the costs and effects of legal and regulatory developments including the resolution of legal proceedings or regulatory or other governmental inquiries and the results of regulatory examinations or reviews; and (16) our success at managing the risks involved in the foregoing items; and (17) the other factors that are described in the Company’s Annual Report on Form 10-K and Quarterly Reports on Form 10-Q under the heading “Risk Factors.” Any forward-looking statement made by the Company speaks only as of the date on which it is made. Factors or events that could cause the Company’s actual results to differ may emerge from time to time, and it is not possible for the Company to predict all of them. The Company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments, or otherwise, except as may be required by law. 

 *  TrustCo Bank Corp NY  New York community-focused financial services company with additional market presence in Florida, Massachusetts, New Jersey and VermontProvides core banking products and services to local businesses and retail customers, with a focus on residential mortgage lendingStrategy of building solid deposit franchise with low cost, core deposit base has led to strong, consistent balance sheet and net income growth  Source: Company data, SNL Financial  Year Founded: 1902          Branches: 143 (88 in NY; 48 in FL; 4 in MA; 2 in NJ; 1 in VT)  Branches: 143 (88 in NY; 48 in FL; 4 in MA; 2 in NJ; 1 in VT)  Branches: 143 (88 in NY; 48 in FL; 4 in MA; 2 in NJ; 1 in VT)  Branches: 143 (88 in NY; 48 in FL; 4 in MA; 2 in NJ; 1 in VT)    Headquarters: Glenville, NY                    Market Data (as of 11/6/14)       Financial Data (as of 9/30/13)     Closing Price  $7.32    Assets:  $4.6 Billion  Market Capitalization  $695M    Net Loans:  $3.0 Billion  Shares Outstanding  94.9M    Deposits:  $4.0 Billion  Dividend Yield:  3.60%    Tangible Common Equity:  $389.5 Million  Institutional Ownership:  59.5%        Insider Ownership:  4.3%       

 *  Strategy and Philosophy for Continued Growth  Deposit and Loan Portfolio Growth   Superior Asset Quality   Increasing Market Share in New Markets   Generated through our expanded branch networkIntense customer service focusSimple, low cost products   Centralized portfolio lending processConservative lending criteriaHistory of strong portfolio management   One of the fastest growing deposit franchises and branch networks in central Florida¹  Improving Efficiency Ratio   Effective cost controls producing world class results   Florida market consists of the counties of Brevard, Charlotte, Hillsborough, Lake, Manatee, Orange, Osceola, Palm Beach, Polk, Sarasota, Seminole and VolusiaSource: FDIC, SNL Financial 

 *  Branch Franchise Overview  New York – 15 Counties, 88 BranchesMassachusetts – 1 County, 4 BranchesNew Jersey – 1 County, 2 BranchesVermont – 1 County, 1 Branch  Florida – 13 Counties, 48 Branches  As of September 30, 2014 

 *  Branch Growth Strategy  Since 2000, the Company has increased its network by 89 branches, bringing the total to 143All new branches opened on a de novo basisExpansion included growth in five states, with a focus on Florida and Downstate New YorkWe have built a platform for steady and conservative growthRebuilding deposits per branch TrustCo now has a footprint with economic and geographic diversification  Source: SEC Filings; Company Documents 

 *  Number of Branches & Average Size  Source: Company Documents, SEC Filings 

 *  Detail of Loan Portfolio  1-4 Family CompositionSeptember 30, 2014   The portfolio is comprised of loans that are fully-documented using comprehensive underwriting criteria without sole reliance on credit scoresAll originations are taken at branch locations by company employeesResidential portfolio increased 9.2% year over yearAverage loan size is approximately $100,000Company chose not to compete against exotic offerings that were commonly offered between 2005 to 2007, e.g. no Alt-A or Subprime products or programs  Aggregate: $2.86 Billion  Note: Data as of September 30, 2014Source: Company Documents, Call Report, SEC Filings 

 Credit Quality  *  Source: Company Documents, SEC Filings 

 *  Investment Portfolio and Interest Rate Risk  Strive to achieve a 60/40 split on loans to investmentsInvestment SecuritiesHigh level of liquidity well in excess of $1 billion (including cash)Vast majority of securities are available for saleHigh credit quality portfolioNo derivatives, trust preferred or exotic instrumentsInterest Rate RiskLoans are funded through core depositsNo borrowingsDeposit lives exceed asset livesSuccessfully navigated many interest rate environments 

 *  Investment Strategy and Composition  2014 plan consistent with prior yearsFocus on short-term investments (1-5 average life)Primarily investing in government sponsored agency and mortgage backed securities Continue to evaluate investing in other investment classes  September 30, 2014(Market value, dollars in thousands) 

 *  Capital Ratios as of September 30, 2014Trustco Bank  Source: SEC Filings; SNL Financial