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 19, 2016

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:

☐ Written communications pursuant to Rule 425 under the Securities 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))

TrustCo Bank Corp NY

Item 8.01. Other Events

The following materials were presented at the Annual Meeting of Shareholders held May 19, 2016.  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 19, 2016.

-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.

Date:  May 19, 2016

TrustCo Bank Corp NY
(Registrant)
By:	/s/ Michael M. Ozimek
	Michael M. Ozimek
	Senior Vice President and
	Chief Financial Officer

-3-

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 19, 2016.	5 - 20

-4-

EX-99.(A)

Exhibit 99(a)

 Welcome to the  2016 Annual Meeting 

 Shareholder Assembly Agenda  Balance SheetBranch Growth & Future PlansIncome Statement & Ratio AnalysisDividends & Capital GrowthStock PerformanceMarket & Regulatory EnvironmentRobert A. McCormickQuestions and Answers 

Loan Growth ($-000)

Nonaccrual Loans/Loans  (%)

Deposits  ($-000)

 Number of Branches & Average Size 

 Investments & Cash to Assets (%) 

 Margin has held up reasonably well given the rate environment but expenses increased in 2015…  …helping to drive ROE and ROA down for the first time in recent years. Higher equity levels also suppressed ROE. 

 TrustCo vs. Peers  *All public owned banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2015; peer numbers are the medians for the full year 2015; ratios as defined by SNL.     TrustCo               Peers*     2011  2012  2013  2014  2015       2015                    Return on Average Equity  11.0%  10.7%  11.2%  11.5%  10.4%       8.9%  Return on Average Assets  0.81%  0.87%  0.90%  0.97%  0.89%       0.96%  Net Interest Margin  3.40%  3.20%  3.14%  3.16%  3.09%       3.60%  Nonperforming Loans/ Loans  1.93%  2.19%  1.79%  1.39%  1.18%       0.90%  30-89 Day PD Loans / Loans  0.63%  0.43%  0.38%  0.33%  0.25%       0.30%  Efficiency Ratio  49.9%  52.3%  52.8%  52.6%  55.1%       61.7% 

 Dividends & Capital Growth2000-2015  Dividends Paid: $7.06 per shareDividends Paid: $546 million totalShareholders’ Equity: Increase of 111% 

 3 Year Stock Performance*  *December 31, 2012 to December 31, 2015, Total Return  

 Market & Regulatory Environment   New RegulationsHeightened Regulatory ExpectationsIncreased Investment in:Systems, governance and technologyStaffing, training and developmentEnhanced operating policies, procedures, audit and risk monitoring systems  Goal: To meet and exceed heightened market and regulatory expectations. 

 Robert A. McCormick  1977: Joined the Bank12 branches & $210 million of assetsToday: Leaving the Board145 branches & $4.8 billion of assetsA lasting legacyProfitabilityStrong balance sheetStrong dividend paymentsService to the community 

 Forward Looking Statements  Safe Harbor Regarding Forward-Looking StatementsThis 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. Ratios use SNL definitions and may differ from definitions used by the Company in its own SEC filings SNL definitions are available upon request. 

 2016 Annual Meeting  Questions and Answers 

 2016 Annual Meeting  Thank You for Attending