0001140361-21-013652.txt : 20210421 0001140361-21-013652.hdr.sgml : 20210421 20210421161114 ACCESSION NUMBER: 0001140361-21-013652 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20210421 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210421 DATE AS OF CHANGE: 20210421 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TRUSTCO BANK CORP N Y CENTRAL INDEX KEY: 0000357301 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 141630287 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-10592 FILM NUMBER: 21841656 BUSINESS ADDRESS: STREET 1: 6 METRO PARK ROAD CITY: ALBANY STATE: NY ZIP: 12205 BUSINESS PHONE: 5183773311 MAIL ADDRESS: STREET 1: 6 METRO PARK ROAD CITY: ALBANY STATE: NY ZIP: 12205 8-K 1 brhc10023396_8k.htm 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 21, 2021

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))

Securities registered pursuant to Section 12(b) of the Act:

 
Title of each class
  
Trading Symbol(s)
  
Name of each exchange on which registered
 
Common Stock, $1.00 par value
  
TRST
  
Nasdaq Global Select Market

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 2.02.
Results of Operations and Financial Condition

On April 21, 2021, TrustCo Bank Corp NY (“TrustCo”) issued a press release with results for the quarter ending March 31, 2021. Attached is a copy of the press release labeled as Exhibit 99(a).

Item 9.01.
Financial Statements and Exhibits

 
(d)
Exhibits
 
Reg S-K Exhibit No.
Description


99(a) Press release dated April 21, 2021 for the period ending March 31, 2021, regarding quarterly results.


104
Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document.

- 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 21, 2021



TrustCo Bank Corp NY

(Registrant)



By:
/s/ Michael M. Ozimek


Michael M. Ozimek


Executive Vice President and


Chief Financial Officer


- 3 -
 EX-99.(A) 2 brhc10023396_ex99-a.htm EXHIBIT 99 (A)
Exhibit 99 (a)
News Release

5 Sarnowski Drive, Glenville, New York, 12302
(518) 377-3311   Fax:  (518) 381-3668

Subsidiary:
Trustco Bank
NASDAQ -- TRST

Contact:
Robert Leonard
 
Executive Vice President and
 
Chief Risk Officer
 
(518) 381-3693

FOR IMMEDIATE RELEASE:

TrustCo is Pleased to Report First Quarter 2021 Results;
Net Income of $14.1 Million and 5.2% Average Residential Loan Growth Year over Year

Glenville, New York –April 21, 2021
 
TrustCo Bank Corp NY (TrustCo, NASDAQ: TRST) today announced first quarter 2021 net income of $14.1 million or $0.146 diluted earnings per share.  Average residential loan growth increased 5.2% or $187.5 million for the first quarter 2021 compared to the first quarter 2020.

Summary
Robert J. McCormick, Chairman, President and Chief Executive Officer noted, “Trustco Bank has remained a “hometown bank” for thousands of our customers and community members during one of our nation’s most challenging years. Over the last year, we prioritized strengthening our communities and adapting our offerings to address the changing needs of our customers during the COVID-19 pandemic. Despite the uncertainty, our reliable and consistent approach has left us well-positioned to help our customers through this economic disruption and turmoil.”

Overall we are very pleased to share that TrustCo now has assets in excess of $6 billion. Our Northeast region has steadfastly maintained our core franchise in an area that we have served for decades. Additionally, our Florida region passed two major milestones, reaching over $1 billion in deposits and $1 billion in loans. Our Financial Services Department also has over $1 billion in assets under management. As we enter a traditionally busy season for residential lending, the Bank is ready to deploy its existing liquidity into our residential loan portfolio and we will be paying close attention to how the market changes.

We also continue to closely monitor the impact of the pandemic on our business and results of operations.  We have been encouraged to see that most of our residential and commercial borrowers who had payment deferral arrangements with us have returned to making regular loan payments.  As of March 31, 2021, loans in deferral were not material.  Additionally, the Bank had funded 663 Paycheck Protection Program (“PPP”) loans totaling $46 million in 2020, and an additional $17 million in the first quarter of 2021.  As of March 31, 2021, 531 PPP loans totaling $37 million remain outstanding.
Page | 1
Details

Average loans were up $173.3 million or 4.3% in the first quarter 2021 over the same period in 2020.  Average residential loans, our primary lending focus, were up $187.5 million, or 5.2%, in the first quarter 2021 over the same period in 2020.  Average deposits were up $630.3 million or 14.2% for the first quarter 2021 over the same period a year earlier.  The increase in deposits was the result of a $738.2 million or 24.1% increase in total average core deposit accounts, which consist of interest bearing and non-interest bearing checking, savings and money market deposits, offset by a decrease in average time deposits of $108.0 million or 7.9%, for the first quarter 2021 over the same period in 2020.  Within the core deposits, checking balances were up $428.4 million or 32.2% (including interest bearing and non-interest bearing checking balances), money market balances were up $111.4 million or 18.1%, and savings balances were up $198.5 million or 17.8%.  We believe the increase in core deposits continues to reflect the desire of customers to have additional funds in the safety and security offered by TrustCo’s long history of conservative banking.  As we move forward, the objective is to encourage customers to retain these additional funds in the expanded product offerings of the Bank through aggressive marketing and product differentiation.

The cost of interest bearing liabilities decreased to 0.21% in the first quarter 2021 from 0.79% in the first quarter 2020.  A significant portion of our CD portfolio (time deposits) repriced during the last year, which resulted in a decrease in average rates to 0.54% in the first quarter of 2021 from 1.88% in the first quarter of 2020, as a result of the ongoing market conditions. The net interest margin for the first quarter 2021 was 2.78%, down 27 basis points from 3.05% in the first quarter of 2020.  This was primarily due to the decrease in market rates throughout 2020 resulting in less interest earned on our short-term funds, residential and variable rate loans.

The Bank continued to demonstrate its ability to grow shareholders’ equity as average equity was up $28.6 million or 5.3% in the first quarter of 2021 compared to the same period in 2020.  Return on average assets and return on average equity for the first quarter 2021 were 0.96% and 10.01%, respectively, compared to 1.03% and 9.87% for the first quarter 2020.  Improving efficiencies to reduce costs continues to remain a key area of focus.

Asset quality and loan loss reserve measures have stayed consistent.  Nonperforming loans (NPLs) were $21.6 million at March 31, 2021, compared to $20.7 million at March 31, 2020.  NPLs were 0.51% of total loans at March 31, 2021 and 2020, respectively.  The coverage ratio, or allowance for loan losses to NPLs, was 231.1% at March 31, 2021, compared to 222.5% at March 31, 2020.  Nonperforming assets (NPAs) were $22.1 million at March 31, 2021, compared to $22.0 million at March 31, 2020.  The ratio of allowance for loan losses to total loans was 1.17% as of March 31, 2021, compared to 1.13% at March 31, 2020.  The allowance for loan losses was $50.0 million at March 31, 2021, compared to $46.2 million at March 31, 2020.  The provision for loan losses decreased to $350 thousand for the first quarter 2021 compared to $2 million in the same period in the prior year, primarily driven by the beginning of the uncertainty in the economic environment resulting from the COVID-19 pandemic in the same period in the prior year.  The Company had previously elected to delay its adoption of Accounting Standards Update 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“CECL”), as provided by the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) until the date on which the National Emergency concerning COVID-19 was terminated or December 31, 2020, whichever occurred first.  The December 31, 2020 adoption date under the CARES Act was extended to January 1, 2022 as a part of the COVID-19 relief legislation, which became law in December 2020, and therefore the Company intends to adopt CECL on January 1, 2022.
Page | 2
 Net recoveries for the first quarter 2021 were $46 thousand versus net chargeoffs in the first quarter 2020 of $162 thousand.  The annualized net chargeoffs ratio was 0.00% and 0.02% for the first quarter 2021 and 2020, respectively.

At March 31, 2021 the tangible equity to tangible asset ratio was 9.44%, compared to 10.42% at March 31, 2020.  Book value per share at March 31, 2021 was $5.92, up 4.2% compared to $5.68 a year earlier.

TrustCo Bank Corp NY is a $6.0 billion savings and loan holding company and through its subsidiary, Trustco Bank, operated 148 offices in New York, New Jersey, Vermont, Massachusetts, and Florida at March 31, 2021.

In addition, the Bank’s Financial Services Department offers a full range of investment services, retirement planning and trust and estate administration services.  The common shares of TrustCo are traded on the NASDAQ Global Select Market under the symbol TRST.
 
A conference call to discuss first quarter 2021 results will be held at 9:00 a.m. Eastern Time on April 22, 2021.  Those wishing to participate in the call may dial toll-free 1-888-339-0764.  International callers must dial 1-412-902-4195.  Please ask to be joined into the TrustCo Bank Corp NY / TRST call.  A replay of the call will be available for thirty days by dialing 1-877-344-7529 (1-412-317-0088 for international callers), Conference Number 10153602.  The call will also be audio webcast at: https://services.choruscall.com/links/trst210422.html, and will be available for one year.
 
Page | 3
Safe Harbor Statement
All statements in this news release that are not historical are forward-looking statements within the meaning of the Securities Exchange Act of 1934, as amended.  Forward-looking statements can be identified by words such as “anticipate,” “intend,” “plan,” “goal,” “seek,” “believe,” “project,” “estimate,” “expect,” “strategy,” “future,” “likely,” “may,” “should,” “will” and similar references to future periods. Examples of forward-looking statements include, among others, statements we make regarding our expectations for our performance during 2020, including our expectations regarding the effects of COVID-19 on our financial results and our ability to assist our customers in addressing the effects of COVID-19, our expectations with respect to the effect of our proposed reverse stock split of our common stock, including the impact of such split on the trading price of our common stock, our expectations with respect to our online and mobile banking product offerings, our expectations for the repricing of our CD portfolio, the impact of Federal Reserve actions regarding interest rates and the growth of loans and deposits throughout our branch network and our ability to capitalize on economic changes in the areas in which we operate.  Such forward-looking statements are subject to factors that could cause actual results to differ materially for TrustCo from those discussed, and many of the risks and uncertainties are heightened by or may, in the future, be heightened by the effects of the COVID-19 pandemic. TrustCo wishes to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The following important factors, among others, in some cases have affected and in the future could affect TrustCo’s actual results and could cause TrustCo’s actual financial performance to differ materially from that expressed in any forward-looking statement:  the effect of the COVID-19 pandemic on our business, financial condition, liquidity and results of operations; the impact of the actions taken by governmental authorities to contain COVID-19 or address the impact of COVID-19 on the economy, and the effect of all of such items on our operations, liquidity and capital position, and on the financial condition of our borrowers and other customers; future business strategies related to the implementation of CECL; our ability to continue to originate a significant volume of one-to-four family mortgage loans in our market areas; our ability to continue to maintain noninterest expense and other overhead costs at reasonable levels relative to income; our ability to make accurate assumptions and judgments regarding the credit risks associated with lending and investing activities; the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board, inflation, interest rates, market and monetary fluctuations; restrictions or conditions imposed by our regulators on our operations that may make it more difficult for us to achieve our goals; the future earnings and capital levels of us and Trustco Bank and the continued receipt of approvals from our primary federal banking regulators under regulatory rules to distribute capital to TrustCo, which could affect our ability to pay dividends; results of supervisory monitoring or examinations of Trustco Bank and TrustCo by our respective regulators; adverse conditions in the securities markets that lead to impairment in the value of securities in our investment portfolio; unanticipated effects from the Tax Cut and Jobs Act that may limit its benefits or adversely impact our business;  the perceived overall value of our products and services by users, including in comparison to competitors’ products and services and the willingness of current and prospective customers to substitute competitors’ products and services for our products and services; changes in consumer spending, borrowing and saving habits; the effect of changes in financial services laws and regulations and the impact of other governmental initiatives affecting the financial services industry; changes in management personnel; real estate and collateral values; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the FASB or PCAOB; disruptions, security breaches, or other adverse events affecting the third-party vendors who perform several of our critical processing functions; technological changes and electronic, cyber and physical security breaches; changes in local market areas and general business and economic trends, as well as changes in consumer spending and saving habits; our success at managing the risks involved in the foregoing and managing our business; and other risks and uncertainties under the heading “Risk Factors” in our most recent annual report on Form 10-K and, if any, in our subsequent quarterly reports on Form 10-Q or other securities filings.
Page | 4
TRUSTCO BANK CORP NY
GLENVILLE, NY

FINANCIAL HIGHLIGHTS

(dollars in thousands, except per share data)
(Unaudited)
   
Three months ended
  
   
3/31/2021
    
12/31/2020
    
3/31/2020
  
Summary of operations
                  
Net interest income (TE)
  
$
40,107
      
39,182
      
38,554
  
Provision for loan losses
    
350
      
600
      
2,000
  
Noninterest income
    
4,428
      
4,069
      
5,334
  
Noninterest expense
    
25,335
      
24,830
      
24,268
  
Net income
    
14,083
      
13,814
      
13,313
  
                         
Per common share
                        
Net income per share:
                        
- Basic
  
$
0.146
      
0.143
      
0.138
  
- Diluted
    
0.146
      
0.143
      
0.138
  
Cash dividends
    
0.068
      
0.068
      
0.068
  
Book value at period end
    
5.92
      
5.89
      
5.68
  
Market price at period end
    
7.37
      
6.67
      
5.41
  
                         
At period end
                        
Full time equivalent employees
    
820
      
778
      
813
  
Full service banking offices
    
148
      
148
      
148
  
                         
Performance ratios
                        
Return on average assets
    
0.96
%
    
0.95
      
1.03
  
Return on average equity
    
10.01
      
9.75
      
9.87
  
Efficiency (1)
    
56.35
      
57.31
      
56.34
  
Net interest spread (TE)
    
2.74
      
2.72
      
2.91
  
Net interest margin (TE)
    
2.78
      
2.79
      
3.05
  
Dividend payout ratio
    
46.65
      
47.55
      
49.41
  
                         
Capital ratios at period end
                        
Consolidated tangible equity to tangible assets (2)
    
9.44
%
    
9.62
      
10.42
  
Consolidated equity to assets
    
9.44
%
    
9.63
      
10.43
  
                         
Asset quality analysis at period end
                        
Nonperforming loans to total loans
    
0.51
      
0.50
      
0.51
  
Nonperforming assets to total assets
    
0.36
      
0.37
      
0.42
  
Allowance for loan losses to total loans
    
1.17
      
1.17
      
1.13
  
Coverage ratio (3)
    
2.3
x
    
2.4
x
    
2.2
x

(1)
Non-GAAP measure; calculated as noninterest expense (excluding ORE income/expense) divided by taxable equivalent net interest income plus noninterest income.
(2)
Non-GAAP measure; calculated as total equity less $553 of intangible assets divided by total assets less $553 of intangible assets.
(3)
Calculated as allowance for loan losses divided by total nonperforming loans.

TE = Taxable equivalent
Page | 5
CONSOLIDATED STATEMENTS OF INCOME

(dollars in thousands, except per share data)
(Unaudited)
   
Three months ended
  
   
3/31/2021
    
12/31/2020
    
9/30/2020
    
6/30/2020
    
3/31/2020
  
Interest and dividend income:
                              
Interest and fees on loans
  
$
40,217
      
40,906
      
41,330
      
41,665
      
42,063
  
Interest and dividends on securities available for sale:
                                        
U. S. government sponsored enterprises
    
50
      
27
      
14
      
106
      
421
  
State and political subdivisions
    
1
      
2
      
1
      
2
      
1
  
Mortgage-backed securities and collateralized mortgage obligations - residential
    
1,237
      
1,172
      
1,319
      
1,527
      
2,113
  
Corporate bonds
    
316
      
349
      
646
      
488
      
238
  
Small Business Administration - guaranteed participation securities
    
206
      
212
      
216
      
229
      
245
  
Other securities
    
6
      
7
      
5
      
5
      
6
  
Total interest and dividends on securities available for sale
    
1,816
      
1,769
      
2,201
      
2,357
      
3,024
  
                                         
Interest on held to maturity securities:
                                        
Mortgage-backed securities and collateralized mortgage obligations - residential
    
123
      
129
      
138
      
162
      
175
  
Total interest on held to maturity securities
    
123
      
129
      
138
      
162
      
175
  
                                         
Federal Reserve Bank and Federal Home Loan Bank stock
    
69
      
70
      
77
      
192
      
82
  
                                         
Interest on federal funds sold and other short-term investments
    
270
      
246
      
242
      
193
      
1,267
  
Total interest income
    
42,495
      
43,120
      
43,988
      
44,569
      
46,611
  
                                         
Interest expense:
                                        
Interest on deposits:
                                        
Interest-bearing checking
    
52
      
51
      
55
      
26
      
16
  
Savings
    
159
      
156
      
161
      
166
      
233
  
Money market deposit accounts
    
283
      
447
      
637
      
862
      
1,096
  
Time deposits
    
1,666
      
3,053
      
4,749
      
5,599
      
6,391
  
Interest on short-term borrowings
    
228
      
232
      
221
      
235
      
322
  
Total interest expense
    
2,388
      
3,939
      
5,823
      
6,888
      
8,058
  
                                         
Net interest income
    
40,107
      
39,181
      
38,165
      
37,681
      
38,553
  
 
                                        
Less: Provision for loan losses
    
350
      
600
      
1,000
      
2,000
      
2,000
  
Net interest income after provision for loan losses
    
39,757
      
38,581
      
37,165
      
35,681
      
36,553
  
                                         
Noninterest income:
                                        
Trustco Financial Services income
    
2,035
      
1,527
      
1,784
      
1,368
      
1,600
  
Fees for services to customers
    
2,204
      
2,365
      
2,292
      
1,807
      
2,315
  
Net gain on securities transactions
    
-
      
-
      
-
      
-
      
1,155
  
Other
    
189
      
177
      
265
      
251
      
264
  
Total noninterest income
    
4,428
      
4,069
      
4,341
      
3,426
      
5,334
  
                                         
Noninterest expenses:
                                        
Salaries and employee benefits
    
12,425
      
11,727
      
10,899
      
11,648
      
11,373
  
Net occupancy expense
    
4,586
      
4,551
      
4,277
      
4,385
      
4,306
  
Equipment expense
    
1,631
      
1,621
      
1,607
      
1,606
      
1,802
  
Professional services
    
1,432
      
1,644
      
1,311
      
1,182
      
1,481
  
Outsourced services
    
2,250
      
1,925
      
1,875
      
1,875
      
2,075
  
Advertising expense
    
354
      
527
      
305
      
601
      
488
  
FDIC and other insurance
    
707
      
657
      
660
      
609
      
294
  
Other real estate expense (income), net
    
239
      
45
      
(115
)
    
(32
)
    
194
  
Other
    
1,711
      
2,133
      
1,855
      
2,058
      
2,255
  
Total noninterest expenses
    
25,335
      
24,830
      
22,674
      
23,932
      
24,268
  
                                         
Income before taxes
    
18,850
      
17,820
      
18,832
      
15,175
      
17,619
  
Income taxes
    
4,767
      
4,006
      
4,761
      
3,921
      
4,306
  
                                         
Net income
  
$
14,083
      
13,814
      
14,071
      
11,254
      
13,313
  
                                         
Net income per common share:
                                        
- Basic
  
$
0.146
      
0.143
      
0.146
      
0.117
      
0.138
  
 
                                        
- Diluted
    
0.146
      
0.143
      
0.146
      
0.117
      
0.138
  
                                         
Average basic shares (in thousands)
    
96,435
      
96,433
      
96,433
      
96,433
      
96,727
  
Average diluted shares (in thousands)
    
96,465
      
96,442
      
96,440
      
96,437
      
96,750
  
                                         
Note:  Taxable equivalent net interest income
  
$
40,107
      
39,182
      
38,166
      
37,681
      
38,554
  


Page | 6
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(dollars in thousands)
(Unaudited)
   
3/31/2021
    
12/31/2020
    
9/30/2020
    
6/30/2020
    
3/31/2020
  
ASSETS:
                              
                               
Cash and due from banks
  
$
45,493
      
47,196
      
47,703
      
44,726
      
43,362
  
Federal funds sold and other short term investments
    
1,094,880
      
1,059,903
      
908,616
      
908,110
      
492,691
  
Total cash and cash equivalents
    
1,140,373
      
1,107,099
      
956,319
      
952,836
      
536,053
  
                                         
Securities available for sale:
                                        
U. S. government sponsored enterprises
    
74,465
      
19,968
      
29,996
      
-
      
54,970
  
States and political subdivisions
    
48
      
103
      
111
      
111
      
112
  
Mortgage-backed securities and collateralized mortgage obligations - residential
    
348,317
      
316,158
      
309,768
      
331,469
      
352,067
  
Small Business Administration - guaranteed participation securities
    
39,232
      
42,217
      
44,070
      
45,998
      
46,768
  
Corporate bonds
    
64,839
      
59,939
      
70,113
      
54,439
      
48,564
  
Other securities
    
686
      
686
      
685
      
685
      
685
  
Total securities available for sale
    
527,587
      
439,071
      
454,743
      
432,702
      
503,166
  
                                         
Held to maturity securities:
                                        
Mortgage-backed securities and collateralized mortgage obligations-residential
    
12,729
      
13,824
      
15,094
      
16,633
      
17,720
  
Total held to maturity securities
    
12,729
      
13,824
      
15,094
      
16,633
      
17,720
  
                                         
Federal Reserve Bank and Federal Home Loan Bank stock
    
5,506
      
5,506
      
5,506
      
5,506
      
9,183
  
                                         
Loans:
                                        
Commercial
    
217,021
      
212,492
      
231,663
      
231,212
      
195,805
  
Residential mortgage loans
    
3,807,837
      
3,780,167
      
3,724,746
      
3,681,898
      
3,627,121
  
Home equity line of credit
    
235,644
      
242,194
      
248,320
      
254,445
      
265,753
  
Installment loans
    
8,670
      
9,617
      
9,826
      
10,006
      
10,713
  
Loans, net of deferred net costs
    
4,269,172
      
4,244,470
      
4,214,555
      
4,177,561
      
4,099,392
  
                                         
Less: Allowance for loan losses
    
49,991
      
49,595
      
49,123
      
48,144
      
46,155
  
Net loans
    
4,219,181
      
4,194,875
      
4,165,432
      
4,129,417
      
4,053,237
  
                                         
Bank premises and equipment, net
    
34,012
      
34,412
      
34,417
      
34,042
      
34,428
  
Operating lease right-of-use assets
    
46,614
      
47,885
      
47,174
      
48,712
      
49,955
  
Other assets
    
60,455
      
59,124
      
57,244
      
57,155
      
52,905
  
                                         
Total assets
  
$
6,046,457
      
5,901,796
      
5,735,929
      
5,677,003
      
5,256,647
  
                                         
LIABILITIES:
                                        
Deposits:
                                        
Demand
  
$
718,343
      
652,756
      
635,345
      
612,960
      
480,255
  
Interest-bearing checking
    
1,141,595
      
1,086,558
      
1,024,290
      
1,001,592
      
895,254
  
Savings accounts
    
1,362,141
      
1,285,501
      
1,235,259
      
1,191,682
      
1,122,116
  
Money market deposit accounts
    
719,580
      
716,005
      
699,132
      
666,304
      
617,198
  
Time deposits
    
1,231,263
      
1,296,373
      
1,305,024
      
1,392,769
      
1,367,005
  
Total deposits
    
5,172,922
      
5,037,193
      
4,899,050
      
4,865,307
      
4,481,828
  
                                         
Short-term borrowings
    
229,950
      
214,755
      
193,455
      
177,278
      
148,090
  
Operating lease liabilities
    
51,449
      
52,784
      
52,125
      
53,710
      
54,998
  
Accrued expenses and other liabilities
    
21,105
      
28,903
      
30,771
      
27,287
      
23,546
  
                                         
Total liabilities
    
5,475,426
      
5,333,635
      
5,175,401
      
5,123,582
      
4,708,462
  
                                         
SHAREHOLDERS’ EQUITY:
                                        
Capital stock
    
100,218
      
100,205
      
100,205
      
100,205
      
100,205
  
Surplus
    
176,500
      
176,442
      
176,441
      
176,437
      
176,431
  
Undivided profits
    
321,486
      
313,974
      
306,741
      
299,239
      
294,553
  
Accumulated other comprehensive income, net of tax
    
7,268
      
11,936
      
11,537
      
11,936
      
11,392
  
Treasury stock at cost
    
(34,441
)
    
(34,396
)
    
(34,396
)
    
(34,396
)
    
(34,396
)
                                         
Total shareholders’ equity
    
571,031
      
568,161
      
560,528
      
553,421
      
548,185
  
 
                                        
Total liabilities and shareholders’ equity
  
$
6,046,457
      
5,901,796
      
5,735,929
      
5,677,003
      
5,256,647
  
                                         
Outstanding shares (in thousands)
    
96,440
      
96,433
      
96,433
      
96,433
      
96,433
  


Page | 7
NONPERFORMING ASSETS

(dollars in thousands)
(Unaudited)
   
3/31/2021
    
12/31/2020
    
9/30/2020
    
6/30/2020
    
3/31/2020
  
Nonperforming Assets
  





























New York and other states*
                              
Loans in nonaccrual status:
                              
Commercial
  
$
125
      
452
      
491
      
571
      
630
  
Real estate mortgage - 1 to 4 family
    
19,826
      
19,379
      
19,977
      
20,215
      
18,570
  
Installment
    
32
      
43
      
49
      
6
      
24
  
Total non-accrual loans
    
19,983
      
19,874
      
20,517
      
20,792
      
19,224
  
Other nonperforming real estate mortgages - 1 to 4 family
    
22
      
23
      
25
      
26
      
27
  
Total nonperforming loans
    
20,005
      
19,897
      
20,542
      
20,818
      
19,251
  
Other real estate owned
    
420
      
541
      
423
      
830
      
1,284
  
Total nonperforming assets
  
$
20,425
      
20,438
      
20,965
      
21,648
      
20,535
  
 
                                        
Florida
                                        
Loans in nonaccrual status:
                                        
Commercial
  
$
-
      
-
      
-
      
-
      
-
  
Real estate mortgage - 1 to 4 family
    
1,626
      
1,187
      
1,254
      
1,111
      
1,492
  
Installment
    
-
      
-
      
-
      
-
      
-
  
Total non-accrual loans
    
1,626
      
1,187
      
1,254
      
1,111
      
1,492
  
Other nonperforming real estate mortgages - 1 to 4 family
    
-
      
-
      
-
      
-
      
-
  
Total nonperforming loans
    
1,626
      
1,187
      
1,254
      
1,111
      
1,492
  
Other real estate owned
    
-
      
-
      
-
      
-
      
-
  
Total nonperforming assets
  
$
1,626
      
1,187
      
1,254
      
1,111
      
1,492
  
 
                                        
Total
                                        
Loans in nonaccrual status:
                                        
Commercial
  
$
125
      
452
      
491
      
571
      
630
  
Real estate mortgage - 1 to 4 family
    
21,452
      
20,566
      
21,231
      
21,326
      
20,062
  
Installment
    
32
      
43
      
49
      
6
      
24
  
Total non-accrual loans
    
21,609
      
21,061
      
21,771
      
21,903
      
20,716
  
Other nonperforming real estate mortgages - 1 to 4 family
    
22
      
23
      
25
      
26
      
27
  
Total nonperforming loans
    
21,631
      
21,084
      
21,796
      
21,929
      
20,743
  
Other real estate owned
    
420
      
541
      
423
      
830
      
1,284
  
Total nonperforming assets
  
$
22,051
      
21,625
      
22,219
      
22,759
      
22,027
  
                                         
Quarterly Net (Recoveries) Chargeoffs
                                        
                                         
New York and other states*
                                        
Commercial
  
$
(32
)
    
32
      
(1
)
    
(6
)
    
1
  
Real estate mortgage - 1 to 4 family
    
(2
)
    
(27
)
    
4
      
(27
)
    
140
  
Installment
    
(14
)
    
109
      
18
      
44
      
4
  
Total net (recoveries) chargeoffs
  
$
(48
)
    
114
      
21
      
11
      
145
  
                                         
Florida
                                        
Commercial
  
$
-
      
-
      
-
      
-
      
-
  
Real estate mortgage - 1 to 4 family
    
-
      
(1
)
    
-
      
-
      
(2
)
Installment
    
2
      
15
      
-
      
-
      
19
  
Total net (recoveries) chargeoffs
  
$
2
      
14
      
-
      
-
      
17
  
                                         
Total
                                        
Commercial
  
$
(32
)
    
32
      
(1
)
    
(6
)
    
1
  
Real estate mortgage - 1 to 4 family
    
(2
)
    
(28
)
    
4
      
(27
)
    
138
  
Installment
    
(12
)
    
124
      
18
      
44
      
23
  
Total net (recoveries) chargeoffs
  
$
(46
)
    
128
      
21
      
11
      
162
  
                                         
Asset Quality Ratios
                                        
                                         
Total nonperforming loans (1)
  
$
21,631
      
21,084
      
21,796
      
21,929
      
20,743
  
Total nonperforming assets (1)
    
22,051
      
21,625
      
22,219
      
22,759
      
22,027
  
Total net (recoveries) chargeoffs (2)
    
(46
)
    
128
      
21
      
11
      
162
  
                                         
Allowance for loan losses (1)
    
49,991
      
49,595
      
49,123
      
48,144
      
46,155
  
                                         
Nonperforming loans to total loans
    
0.51
%
    
0.50
%
    
0.52
%
    
0.52
%
    
0.51
%
Nonperforming assets to total assets
    
0.36
%
    
0.37
%
    
0.39
%
    
0.40
%
    
0.42
%
Allowance for loan losses to total loans
    
1.17
%
    
1.17
%
    
1.17
%
    
1.15
%
    
1.13
%
Coverage ratio (1)
    
231.1
%
    
235.2
%
    
225.4
%
    
219.5
%
    
222.5
%
Annualized net (recoveries) chargeoffs to average loans (2)
    
0.00
%
    
0.01
%
    
0.00
%
    
0.00
%
    
0.02
%
Allowance for loan losses to annualized net (recoveries) chargeoffs (2)
    
N/A
      
96.9
x
    
584.8
x
    
1094.2
x
    
71.2
x

*
Includes New York, New Jersey, Vermont and Massachusetts.
(1)
At period-end
(2)
For the period ended


Page | 8
DISTRIBUTION OF ASSETS, LIABILITIES AND SHAREHOLDERS’ EQUITY -
INTEREST RATES AND INTEREST DIFFERENTIAL

(dollars in thousands)
(Unaudited)
   
Three months ended
March 31, 2021
      
Three months ended
March 31, 2020
   
   
Average
Balance
    
Interest
    
Average
Rate
    
Average
Balance
   
Interest
    
Average
Rate
  
   

         

   

         

 
Assets
                                    
                                     
Securities available for sale:
                                    
U. S. government sponsored enterprises
  
$
51,649
      
50
      
0.38
%
  
$
92,369
      
421
      
1.82
%
Mortgage backed securities and collateralized mortgage obligations - residential
    
327,614
      
1,237
      
1.51
      
371,768
      
2,113
      
2.27
  
State and political subdivisions
    
50
      
1
      
6.47
      
114
      
2
      
7.59
  
Corporate bonds
    
63,334
      
316
      
1.99
      
28,332
      
238
      
3.36
  
Small Business Administration - guaranteed participation securities
    
39,582
      
206
      
2.09
      
47,418
      
245
      
2.06
  
Other
    
686
      
6
      
3.50
      
685
      
6
      
3.50
  
                                                 
Total securities available for sale
    
482,915
      
1,816
      
1.50
      
540,686
      
3,025
      
2.26
  
                                                 
Federal funds sold and other short-term Investments
    
1,029,570
      
270
      
0.11
      
412,076
      
1,267
      
1.24
  
                                                 
Held to maturity securities:
                                                
Mortgage backed securities and collateralized mortgage obligations - residential
    
13,273
      
123
      
3.70
      
18,144
      
175
      
3.86
  
                                                 
Total held to maturity securities
    
13,273
      
123
      
3.70
      
18,144
      
175
      
3.86
  
                                                 
Federal Reserve Bank and Federal Home Loan Bank stock
    
5,506
      
69
      
5.01
      
9,183
      
82
      
3.57
  
                                                 
Commercial loans
    
212,781
      
2,945
      
5.54
      
198,047
      
2,542
      
5.13
  
Residential mortgage loans
    
3,789,256
      
34,852
      
3.69
      
3,601,728
      
36,461
      
4.05
  
Home equity lines of credit
    
238,379
      
2,259
      
3.84
      
265,461
      
2,868
      
4.35
  
Installment loans
    
8,795
      
161
      
7.41
      
10,717
      
192
      
7.20
  
                                                 
Loans, net of unearned income
    
4,249,211
      
40,217
      
3.80
      
4,075,953
      
42,063
      
4.13
  
                                                 
Total interest earning assets
    
5,780,475
      
42,495
      
2.95
      
5,056,042
      
46,612
      
3.69
  
                                                 
Allowance for loan losses
    
(49,945
)
                    
(44,520
)
                
Cash & non-interest earning assets
    
199,769
                      
193,619
                  
                                                 
                                                 
Total assets
  
$
5,930,299
                    
$
5,205,141
                  
                                                 
Liabilities and shareholders’ equity
                                                
                                                 
Deposits:
                                                
Interest bearing checking accounts
  
$
1,084,572
      
52
      
0.02
%
  
$
871,153
      
16
      
0.01
%
Money market accounts
    
725,570
      
283
      
0.16
      
614,201
      
1,096
      
0.72
  
Savings
    
1,315,049
      
159
      
0.05
      
1,116,558
      
233
      
0.08
  
Time deposits
    
1,261,963
      
1,666
      
0.54
      
1,369,914
      
6,391
      
1.88
  
                                                 
Total interest bearing deposits
    
4,387,154
      
2,160
      
0.20
      
3,971,826
      
7,736
      
0.78
  
Short-term borrowings
    
223,807
      
228
      
0.41
      
153,668
      
322
      
0.84
  
                                                 
Total interest bearing liabilities
    
4,610,961
      
2,388
      
0.21
      
4,125,494
      
8,058
      
0.79
  
                                                 
Demand deposits
    
673,428
                      
458,476
                  
Other liabilities
    
75,143
                      
79,003
                  
Shareholders’ equity
    
570,767
                      
542,168
                  
                                                 
Total liabilities and shareholders’ equity
  
$
5,930,299
                    
$
5,205,141
                  
                                                 
Net interest income, tax equivalent
            
40,107
                      
38,554
          
                                                 
Net interest spread
                    
2.74
%
                    
2.91
%
                                                 
Net interest margin (net interest income to total interest earning assets)
                    
2.78
%
                    
3.05
%
                                                 
Tax equivalent adjustment
            
-
                      
(1
)
        
                                                 
Net interest income
            
40,107
                      
38,553
          


Page | 9
Non-GAAP Financial Measures Reconciliation

Tangible equity as a percentage of tangible assets at period end is a non-GAAP financial measure derived from GAAP-based amounts. We calculate tangible equity and tangible assets by excluding the balance of intangible assets from shareholders’ equity and total assets, respectively.  We calculate tangible equity as a percentage of tangible assets at period end by dividing tangible equity by tangible assets at period end.  We believe that this is consistent with the treatment by bank regulatory agencies, which exclude intangible assets from the calculation of risk-based capital ratios.

The efficiency ratio is a non-GAAP measure of expense control relative to revenue from net interest income and fee income.  We calculate the efficiency ratio by dividing total noninterest expenses as determined under GAAP, but excluding other real estate expense, net, by net interest income (fully taxable equivalent) and total noninterest income as determined under GAAP, but excluding net gains on the sale of securities and other non-routine items from this calculation.  We believe that this provides a reasonable measure of primary banking expenses relative to primary banking revenue.

We believe that these non-GAAP financial measures provide information that is important to investors and that is useful in understanding our financial results. Our management internally assesses our performance based, in part, on these measures.  However, these non-GAAP financial measures are supplemental and not a substitute for an analysis based on GAAP measures. As other companies may use different calculations for these measures, this presentation may not be comparable to other similarly titled measures reported by other companies. A reconciliation of the non-GAAP measures of tangible common equity, tangible book value per share, efficiency ratio, net income and net income per share to the underlying GAAP numbers is set forth below.

NON-GAAP FINANCIAL MEASURES RECONCILIATION

(dollars in thousands, except per share amounts)
(Unaudited)

   
3/31/2021
    
12/31/2020
    
3/31/2020
  

                 
Tangible Equity to Tangible Assets
                  
Total Assets (GAAP)
  
$
6,046,457
      
5,901,796
      
5,256,647
  
Less: Intangible assets
    
553
      
553
      
553
  
Tangible assets (Non-GAAP)
    
6,045,904
      
5,901,243
      
5,256,094
  
                         
Equity (GAAP)
    
571,031
      
568,161
      
548,185
  
Less: Intangible assets
    
553
      
553
      
553
  
Tangible equity (Non-GAAP)
    
570,478
      
567,608
      
547,632
  
Tangible Equity to Tangible Assets (Non-GAAP)
    
9.44
%
    
9.62
%
    
10.42
%
Equity to Assets (GAAP)
    
9.44
%
    
9.63
%
    
10.43
%

                       

 
Three months ended
  
Efficiency Ratio
  
3/31/2021
    
12/31/2020
    
3/31/2020
  
                         
Net interest income (fully taxable equivalent) (Non-GAAP)
  
$
40,107
      
39,182
      
38,554
  
Non-interest income (GAAP)
    
4,428
      
4,069
      
5,334
  
Less:  Net gain on securities
    
-
      
-
      
1,155
  
Revenue used for efficiency ratio (Non-GAAP)
    
44,535
      
43,251
      
42,733
  
                         
Total noninterest expense (GAAP)
    
25,335
      
24,830
      
24,268
  
Less:  Other real estate expense (income), net
    
239
      
45
      
194
  
Expense used for efficiency ratio (Non-GAAP)
    
25,096
      
24,785
      
24,074
  
                         
Efficiency Ratio
    
56.35
%
    
57.31
%
    
56.34
%



Page | 10
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Document and Entity Information
Apr. 21, 2021
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Apr. 21, 2021
Entity Registrant Name TrustCo Bank Corp NY
Entity Incorporation, State or Country Code NY
Entity File Number 0-10592
Entity Tax Identification Number 14-1630287
Entity Address, Address Line One 5 SARNOWSKI DRIVE
Entity Address, City or Town GLENVILLE
Entity Address, State or Province NY
Entity Address, Postal Zip Code 12302
City Area Code 518
Local Phone Number 377-3311
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000357301
Title of 12(b) Security Common Stock, $1.00 par value
Trading Symbol TRST
Security Exchange Name NASDAQ
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