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 18, 2017

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))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

TrustCo Bank Corp NY

Item 8.01.	Other Events
	The following materials were presented at the Annual Meeting of Shareholders held May 18, 2017.  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 18, 2017.

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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 18, 2017

TrustCo Bank Corp NY
(Registrant)
By:	/s/ Michael M. Ozimek
	Michael M. Ozimek
	Senior 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 18, 2017.	5 - 14

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EX-99.(A)

Exhibit 99(a)

 Welcome to the  2017 Annual Meeting 

 Shareholder Assembly Agenda  Branch Growth & Future PlansIncome Statement & Ratio AnalysisDividends & Capital GrowthStock PerformanceQuestions and Answers 

 Deposit and Loan Growth($-000) 

Number of Branches & Average Size Number of Branches Deposits Per Branch ($-000)

Net Interest Margin (%) Return on Average Equity (%) Efficiency Ratio (%) Return on Average Assets (%)

 TrustCo vs. Peers  *All public owned banking institutions covered by SNL Financial with assets of $2 to $10 billion; peer numbers are the medians for the full year 2016; ratios as defined by SNL.     TrustCo    Peers*     2016    2016          Return on Average Equity  9.9%    9.1%  Return on Average Assets  0.89%    0.98%  Net Interest Margin  3.11%    3.54%  Nonperforming Loans/ Loans  1.07%    0.78%  Loan Loss Reserve/Loans  1.28%    0.96%  Efficiency Ratio  55.7%    60.1% 

 Dividends & Capital Growth2000-2016  Dividends Paid: $7.32 per shareDividends Paid: $571 million totalShareholders’ Equity: Increase of 121% 

 2016 Stock Performance 

 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. 

 2017 Annual Meeting  Thank You for Attending