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TRUSTCO Bank Corp NY 2011 TRUSTCO Bank Corp NY ANNUAL REPORT 2002 Openings Ballston Spa, NY Pomona, NY Trustco Banks Growth Since 2002... Bennington, VT Poughkeepsie, NY Elmsford, NY Scotia, NY Fishkill, NY New York - 14 Counties, 86 Branches 2003 Openings Bedford Hills, NY Lake Mary Blvd., FL Briarcliff Manor, NY Longwood, FL Colonial Drive, FL Saratoga, NY Dean Road, FL 2004 Openings Osprey, FL Valatie, NY Sarasota, FL Wappingers Falls, NY Slingerlands, NY 2005 Openings East Colonial, FL Ramsey, NJ Highland, NY Tuskawilla, FL Maitland, FL Winter Springs, FL Oviedo, FL 2006 Openings Airmont, NY Mamaroneck, NY Apollo Beach, FL New City, NY Chatham, NY Northern Pines Rd., NY Clermont, FL Pittsfield, MA New Jersey - Curry Ford Rd., FL Rinehart Road, FL 1 County, 2 Branches Leesburg, FL South Clermont, FL 2007 Openings Massachusetts - 1 County, 4 Branches Allendale, MA Lee, MA Apopka, FL Lee Road, FL Ardsley, NY Monroe, NY Bronxville, NY Mount Kisco, NY Crestwood Plaza, NY Orange City, FL Curry Ford West, FL Peekskill, NY Goldenrod, FL Schaghticoke, NY Great Barrington, MA Winter Haven, FL Lake Square, FL 2008 Openings Aloma, FL Pelham, NY Avalon Park, FL Pleasant Hill, FL Florida - 11 Counties, 44 Branches Beeline Center, FL Port Orange, FL Davenport, FL Red Hook, NY Vermont - Englewood, FL Sweetwater, FL Gateway Commons, FL Venice, FL 1 County, 1 Branch Lake George, NY Westwood Plaza, FL Lee Vista, FL Winter Garden, FL Northvale, NJ 2009 Openings Alafaya Woods, FL Hartsdale, NY Bradenton, FL Nyack, NY Brunswick, NY Windermere, FL Downtown Orlando, FL 2010 Openings Lady Lake, FL Sun City Center, FL 2011 Openings Balltown Road, NY Kingston, NY Glenmont, NY 2012 Openings Juno Beach, FL TrustCo Bank Corp NY (the “Company,” “TrustCo” or the “Bank”) is a savings and loan holding company headquartered in Glenville, New York. The Company is the largest financial services company headquartered in the Capital Region of New York State, and its principal subsidiary, Trustco Bank, operates 137 community banking offices and 144 Automatic Teller Machines throughout the Bank’s market areas. The Company serves 5 states and 28 counties with a broad range of community banking services. Financial Highlights (dollars in thousands, except per share data) Years ended December 31, Percent 2011 2010 Change Income: Net interest income (Taxable Equivalent) ....................... $135,717 128,963 5.24% Net Income .................................................. 33,087 29,321 12.84 Per Share: Basic earnings ............................................... 0.389 0.381 2.10 Diluted earnings .............................................. 0.389 0.381 2.10 Tangible book value .......................................... 3.62 3.31 9.37 Average Balances: Assets ....................................................... 4,089,790 3,795,667 7.75 Loans, net ................................................... 2,423,337 2,320,010 4.45 Deposits ..................................................... 3,637,595 3,403,580 6.88 Shareholders’ equity .......................................... 299,739 255,332 17.39 Financial Ratios: Return on average assets ...................................... 0.81% 0.77 5.19 Return on average equity ...................................... 11.04 11.48 (3.83) Consolidated tier 1 capital to: Total average assets (leverage) .............................. 8.14 6.68 21.86 Risk-adjusted assets ........................................ 15.97 12.57 27.05 Total capital to risk-adjusted assets ............................ 17.23 13.83 24.58 Net loans charged off to average loans ......................... 0.49 0.81 (39.43) Allowance for loan losses to nonperforming loans............... 1.00x 0.86 16.28 Efficiency ratio ............................................... 49.15% 50.77 (3.19) Dividend Payout ratio ......................................... 67.71 67.25 0.68 Per Share information of common stock Tangible Basic Diluted Cash Book Range of Stock Price Earnings Earnings Dividend Value High Low 2011 First quarter ................ $ 0.096 0.096 0.0656 3.34 6.59 5.50 Second quarter ............. 0.100 0.100 0.0656 3.47 6.20 4.90 Third quarter ............... 0.100 0.100 0.0656 3.62 5.00 3.95 Fourth quarter .............. 0.093 0.093 0.0656 3.62 5.66 4.27 2010 First quarter ................ $ 0.090 0.090 0.0625 3.26 6.57 5.57 Second quarter ............. 0.093 0.093 0.0625 3.31 7.15 5.60 Third quarter ............... 0.109 0.109 0.0656 3.39 5.92 5.21 Fourth quarter .............. 0.090 0.090 0.0656 3.31 6.57 5.34 1 Financial Highlights ................................................................................ 1 President’s Message ................................................................................ 3-4 Management’s Discussion and Analysis of Financial Condition and Results of Operations................ 5 Average Balances, Yields and Net Interest Margins ................................................... 17 Glossary of Terms .................................................................................. 35-36 Management’s Report on Internal Control Over Financial Reporting.................................... 37 Report of Independent Registered Public Accounting Firm............................................. 38 Consolidated Financial Statements and Notes ......................................................... 39 Branch Locations ................................................................................... 77-81 Officers and Board of Directors...................................................................... 82-83 General Information ................................................................................ 84 Share Price Information ............................................................................. 85 – 86 TrustCo Mission Statement: TrustCo will be the low cost provider of high quality services to our customers in the communities we serve and return to our owners an above average return on their investment. 2 President’s Message Dear Fellow Shareholders, 2011 was an excellent year for TrustCo. Net income grew 12.8% to $33.1 million compared to $29.3 million for 2010. We also completed an ambitious stock offering during the year, increasing our capital ratio to over 8%. We are proud of our accomplishments and look forward with optimism to 2012. This year will mark the ten year anniversary of our expansion plan. In 2002 we opened our first office outside the Capital Region, in Westchester County, New York. Trustco Bank now has offices in five states and over $4.2 billion in assets, and deposits in our new markets exceed $1 billion. Since the beginning of the expansion program, Trustco has opened 86 branch offices, more than doubling the size of our bank. While we will probably never have a year when we don’t open a new office, the pace of openings has slowed considerably. In 2010 we opened two offices, both in Florida, and during 2011 we opened just three offices, in Niskayuna and Glenmont in upstate New York and our Kingston office in Ulster County, New York. As we implemented our expansion program our goal has always been to achieve profitable growth. Our net income growth in 2011, and the fact that we were profitable throughout the turmoil of the last five years speaks to that focus. TrustCo had another solid year of balance sheet growth in 2011, with loans and deposits showing significant increases. Loans were up 7.0% to $2.5 billion and deposits grew by $182 million or 5.1%. We believe our success in growing customer relationships provides the basic building blocks that will drive profitable growth over the coming years. Our efficiency ratio was 49.15% for 2011 and continues to be considered world class. We look to improve this ratio further as we move through 2012. Expense control has always been a hallmark at TrustCo. Another important ratio is our return on average equity which finished the year at an impressive 11.04%. This is significant since we increased equity during 2011 and still were able to keep this ratio above 11.00%. This year we completed a major stock offering, enhancing our capital position to support additional growth and prepare for possible changes in regulatory capital requirements. We were able to raise $67.6 million which increased our capital position to over 8%. As of December 31, 2011 TrustCo’s dividend yield was 4.7% and during 2011 TrustCo paid out 67.71% of net income to shareholders in the form of cash dividends. We have recently changed the name of our Trust Department to Trustco Financial Services. This name change reflects the broad range of services that we have provided and will continue to provide to our customers. Our financial services staff welcomes a meeting with anyone interested in discussing their investment portfolio, financial planning and/or estate planning needs. Regulatory issues and changes continue to be something that we will be mindful of during 2012 and beyond. Our long term focus on traditional lending and conservative balance sheet management has allowed us to direct our efforts towards expanding our deposit and loan base. Growth in loans and deposits, and the customer relationships that they represent, is fundamental to the long term success of our Company. During 2012 we again received many awards and recognition from various news and rating organizations. We are proud of this third party recognition however we are ever mindful of the greater importance of continued profitability, financial strength and growth. • Top 100 banks in the country-Bank Director Magazine,
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