Trustco Bank Corp Ny · NASDAQ:TRST
Trustco Bank Corp Ny — Shareholder Meeting (May 2015)
18 slides from Trustco Bank Corp Ny's shareholder meeting presentation, May 21, 2015
Slide 1: Welcome to the 2015 Annual Meeting
Welcome to the 2015 Annual Meeting
Slide 2: Shareholder Assembly Agenda
Shareholder Assembly Agenda Balance SheetBranch Growth & Future PlansIncome Statement & Ratio AnalysisDividends & Capital GrowthStock PerformanceMarket & Regulatory EnvironmentOther Items To NoteThings To Be Proud OfQuestions and Answers
Slide 3: Loan Growth
3,500,000 3,000,000 2,500,000 2,000,000 41,500,000 1,000,000 Loan Growth (s000)
Slide 4: Nonperforming Loans / Loans (%)
Nonperforming Loans / Loans (%)
Slide 5: Short-term Delinquencies (%)
Short-term Delinquencies* (%) *30-89 day past due loans / total loans
Slide 6: Deposit Growth
Deposit Growth (000) 4,500,000 4,000,000 3,500,000 3,000,000 2,500,000 2,000,000
Slide 7: Number of Branches & Average Size
Number of Branches & Average Size
Slide 8: Investments & Cash to Assets (%)
Investments & Cash to Assets (%)
Slide 9: Margin has been roughly stable and expenses flattened
Margin has been roughly stable and expenses flattened….. …helping to drive ROE and ROA as credit costs decline and growth continues
Slide 10: TrustCo vs. Peers
TrustCo vs. Peers *All public owned banking institutions covered by SNL Financial with assets of $2 to $10 billion as of December 31, 2014; peer numbers are the medians for the full year 2014. All ratios are as published by SNL Financial. TrustCo Peers* 2010 2011 2012 2013 2014 Q1/15 2014 Return on
Slide 11: Dividends & Capital Growth
Dividends & Capital Growth2000-2014 Dividends Paid: $6.79 per shareDividends Paid: $521 million totalShareholders’ Equity: Increase of 101%
Slide 12: Year Stock Performance
3 Year Stock Performance* *December 31, 2011 to December 31, 2014, Total Return
Slide 13: Market & Regulatory Environment
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 regul
Slide 14: Other Items to Note
Other Items to Note Bob CushingJoe LucarelliRegulatory Environment
Slide 15: Things To Be Proud Of
Things To Be Proud Of Bauer ratingRanked #12 thrift institution in nation by SNL Financial for 2014Loan portfolio exceeded $3 billion for the first timeOpened 50th branch in FloridaFinancial Services Department growthEmployee and Company support for our communities
Slide 16: Forward Looking Statements
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 Litigati
Slide 17: 2015 Annual Meeting Questions and Answers
2015 Annual Meeting Questions and Answers
Slide 18: Thank You for Attending
2015 Annual Meeting Thank You for Attending
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